Pet insurance with no age limit

Is pet insurance worth it?

Despite pets being a huge part of our lives, unfortunately there’s no NHS equivalent for them if they get ill or become injured. And this can happen any time.

If you don’t have vet fee cover in place, you’ll have to pay for all treatment costs yourself.

Pet insurance protects you financially against:

• Unexpected vet bills
• Emergency care if you cannot look after your pet – for example, if you’re hospitalised
• Money towards advertising if your pet goes missing

…And much more. Plus with lifetime pet insurance, you get cover for your pet’s whole life – as long as you renew annually. 

Check out our complete guide to whether pet insurance is worth it to find out more about its benefits.

Get Petgevity cover from just 28p a day.

That’s £8.46 a month or £101.48 a year.

^The above figure was calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from the date range of 1^st July 2025 – 31^st December 2025. The premiums used for calculation were the final premiums across all customers regardless of how they bought, including all additional cover options and Insurance Premium Tax, without exclusion on any specific customer segmentations.

What does pet insurance cover?

Pet insurance is designed to help with unexpected vet bills. It springs into action if your cat or dog gets into a scrape or becomes unwell.

With a Lifetime Plus pet insurance policy, any of your pet’s conditions that we’ve agreed to insure are covered for life*, provided you renew each year. With a Petgevity policy, you get:

• Vet fees
  • Complementary therapy and behavioural treatment
  • Dental accidents
  • MRI/CT scans up to £2k
  • Cruciate ligaments up to £2k
  • Euthanasia
• Emergency care
• Third-party liability for dogs

Need more protection? There are a range of optional extras you can tag onto your policy, such as holiday cover, or dental illness cover. This way, you can fashion your cover for your pet’s exact needs.

More about your pet insurance policy

Want to know more about specific treatments covered by Petgevity? Let’s dig a little deeper… 

Does pet insurance cover surgery? 

Your pet insurance policy covers any necessary surgery, up to your chosen vet fee limit – minus any excess or bill share on your policy. It doesn’t cover cosmetic surgery though. 

Are MRI and CT scans covered? 

All Petgevity policies cover MRI and CT scans up to your chosen vet fee limit or £2,000 – whichever is lower. 

Is dental treatment included? 

Dental accidents are covered, and cover for dental illness can be added as an extra for a fee. Dental Illness cover protects you up to your chosen vet fee limit or £5,000 – whichever is lower. 

Is poisoning covered? 

Yes, treatment for poisoning is included, up to your chosen vet fee limit. 

Are hereditary conditions covered? 

It depends. With Petgevity Lifetime Plus, we consider cover for any pre-existing condition, as long as they’re declared when you apply for your policy.*† 

Is euthanasia covered? 

Yes, we cover your pet being put to sleep as part of your vet fees (if recommended or agreed by your vet), up to £250. 

Is overseas travel covered? 

Travel and Holiday cover can be added as an extra to your policy for a fee. This means you can get treatment overseas up to your chosen vet fee limit. It also covers emergency return home up to your chosen amount, and cancelling or cutting short your trip up to £5,000. 

What doesn’t pet insurance cover?

Pet insurance policies don’t tend to cover routine and preventative treatments, and Petgevity is no different in this respect. We don’t cover:

• Flea and worming
• Neutering (castration and spaying)
• Vaccinations
• Routine teeth cleaning
• Routine or investigative tests (unless it’s to diagnose a new or worsening condition covered under your policy)

It’s worth noting that some vets will offer monthly pet care schemes, which help spread the cost of these types of treatments. Ask your local vet for more info.

How claims work

Though not all, the majority of claims you make on pet insurance are likely to be for vet fees. You can claim multiple times in a year, up to the limit stated in your policy. So for the highest level, you can claim up to £15,000. 

Good to know: When you claim, we can either pay you, or pay your vet directly – provided your vet practice agrees.

How to make a claim

1. To claim…
   Log in to your online account and visit the claims section. Or call the claims team on 0333 009 0998. 
2. Send all details
   Complete the online claims form. Attach any invoices or bills. Send your vet’s details too if you’re claiming for treatment. Your vet may be able to submit for you, if you prefer. 
3. We’ll talk to your vet
   Petgevity’s dedicated claims team will contact your vet to sort out your claim as quickly as possible. 
4. Payment made
   We’ll either send you or your vet payment for any agreed claims, minus any excess fees and bill share. 

About Petgevity claims

• Customers’ claims were paid on average in 3.5 days in 2025
• The average claim paid in 2025 was £526.77‡ 
• 89.68% of claims submitted were approved in 2025‡ 
• Commended Claims Service, Moneyfactscompare awards 2026 

What is an excess? 

An excess is the amount you pay towards a claim. 

Let’s say you set your excess at £100: 

• If your vet bill is £1,000 
• Your excess is £100 
• We’d pay £900 (subject to your policy limit) 

What is a bill share? 

A bill share, otherwise known as co-payment, is a percentage of the vet bill you share after the excess. 

For example, if you’ve chosen an excess of £100 and 10% bill share, and make a claim for £1,000: 

• Valid claim amount (for one condition): £1,000
• Minus excess: £1,000 – £100 = £900
• Minus bill share: £900 – £90 (which is 10% of £900) = £810
• Total excess and bill share paid by you: £190
• Total paid by us: £810 

Note that with a Petgevity Lifetime policy, there’s a compulsory 20% bill share if:

• Your dog is aged 8 years or over
• Your cat is aged 10 years or over 

With a Petgevity Lifetime Plus policy, there is no compulsory bill share, regardless of age. 

What if my pet has a pre-existing condition? 

When your cat or dog is living with health conditions, getting pet cover with a new provider can be tricky to say the least. 

Any health concerns which have either been diagnosed or symptoms have presented themselves before taking out insurance are known as pre-existing conditions. 

What is a pre-existing medical condition? 

Here’s what we mean by pre-existing condition at Petgevity:

• Anything your cat or dog’s had in the two years before your insurance starts, or during the waiting period
• A condition diagnosed over two years ago which needs ongoing treatment, check-ups or monitoring 

Here’s what we mean by ‘anything’: 

• Signs or symptoms of changes in health or behaviour 
• Investigation, monitoring or other veterinary advice 
• Having or needing treatment, medication, a prescription diet or surgery 
• An existing illness, injury or deformity 

Will pet insurance cover pre-existing conditions?

Some pet insurance providers will exclude these if you try to switch, meaning you may only be covered for new conditions which develop. Other providers may offer limited cover and/or mandatory excesses. 

If you take out a Petgevity Lifetime Plus policy, we’ll consider cover for all declared pre-existing conditions*. 

If we agree to cover ongoing conditions, we only cover treatment if their health gets worse. 

So we’ll cover: 

• Changes in the prescription, medication, treatment or therapies
• New prescribed medication, treatment or therapies 

We won’t cover: 

• Consultations or routine tests to monitor an ongoing condition 
• Prescription, medication, treatment or therapies unless your pet’s health gets worse 

How much does pet insurance cost?

Your pet insurance is priced on several factors, including:

• Your cat or dog’s age and breed
• Where you live
• Your cover options, chosen vet fee limit, and any excess or bill share you’ve agreed to
• Any pre-existing conditions your pet has (note that we only cover these with our Lifetime Plus policy)

Need help deciding what annual vet fee limit to choose for your pet insurance? Here are a few things to weigh up:

• Look into what common conditions can affect each breed, plus the average cost to treat them.
• Check what emergency treatment costs at your local vet, in case your cat or dog is unexpectedly injured.

Wondering what the vet is likely to set you back? Check out our guide to vet fee costs, which should hopefully help you work out how much insurance cover you might need.

Should I buy cheap pet insurance?

Choosing a cheaper pet insurance policy might help reduce your monthly costs – but it could be a false economy. 

Vet treatment can be expensive, so it’s important to choose a policy with a vet fee limit that offers adequate protection. Otherwise, you may have to cover any shortfall yourself and could face fewer treatment options for your pet.

If you need to stick to a budget, here’s how to potentially pay less for your pet insurance: 

• Only pay for optional extras if you think your pet will need them.
• Think about how much excess or bill share to have on your policy. A higher excess or bill share is likely to reduce your premium, as you’re bearing more of the risk. Although it could work out more expensive if you need to claim.
• Make sure your pet stays at a healthy weight with appropriate exercise and a balanced diet (as advised by your vet).
• Go to the vet for regular check-ups. This means any developing problems can be spotted early on.
• Be sure to get their annual vaccinations and boosters in. This’ll protect them from common illnesses.

“Knowledge is power. Do your homework on your pet’s breed, such as whether they’re at risk due to inherited conditions. This can help you work out what level of insurance cover you might need.

“Also bear in mind that the cheapest pet insurance policy doesn’t necessarily mean best. Make sure your best friend’s adequately covered for any vet bills that might come their way.”

Kerry Willecome, pet insurance specialist

Meet our pet experts

Your policy start, renewal and cancellation 

Here are some of the important things to know about your policy admin. 

When does cover start? 

When you buy a new policy, cover begins after a waiting period. To begin with, you will not be covered for: 

• Any accidental injuries within the first 2 days from the start of the policy
• Death as a result of an accidental injury within 2 days from the policy start date
• Any symptom or illness within the first 14 days from the policy start date
• Death as a result of any symptoms or illness within 14 days from the policy start date
• Any claim for loss, theft or straying or advertising and reward if your pet goes missing within 14 days 

These waiting periods don’t apply if you’re renewing a policy, or switching to Petgevity from a like-for-life lifetime policy from another provider. 

You also have a 14-day cooling off period in which you can cancel the policy if it doesn’t meet your needs. As long as you haven’t claimed on the policy, you’ll receive a full refund.  

How do I renew my policy? 

Policies are set to automatically renew unless you opt out, which you can do at any time. 

We’ll send you a reminder 21 days before your policy is due to renew, including your premium for the next year. 

Will my premium change? 

It’s likely to, yes. With lifetime pet insurance, generally speaking the cost of cover will increase as your pet gets older. This reflects the increased risk of treatment for illnesses and newly developed conditions. 

How do I cancel my policy? 

As mentioned, you can cancel within the 14-day cooling off period and – provided you haven’t claimed on the policy – you’ll get a full refund. 

After the first 14-days, you can still cancel your policy. Just let us know. If you haven’t made a claim, or your claim has been declined, we’ll cancel your policy and:

1. Stop any monthly instalments once any outstanding premiums have been paid
2. Refund any premium if you paid too much.We’llonly charge you for the cover you received 

We won’t refund any premium if a claim is made on the policy. If the claim is due to death, loss, theft or straying, then we’ll only charge you for the cover you received. For other claims, you’ll need to keep paying your monthly premium. 

What happens if I miss a payment? 

If you miss a monthly payment: 

• You have 25 days to make the missed payment if you pay by direct debit
• You have 28 days to make the missed payment if you pay by card 

You can settle up either by calling us and paying over the phone, or pay online in ‘my account’. 

After this period, if you still haven’t paid – and you haven’t contacted us to make us aware of any issues – the policy will automatically cancel. 

If you’re having trouble with payments, please contact us. We understand that it can be difficult, and we’d rather hear from you to help come to some arrangement. 

Pet cover you can trust 

Petgevity is authorised and regulated by the Financial Conduct Authority (FCA). This means we’re compliant with high ethical and professional standards, and adhere to strict consumer duty regulations. 

To find out more, read our: 

• Full policy documents
• Complaints procedure 

If you make a complaint and believe it hasn’t been handled appropriately, or you’re unhappy with the outcome, it can be referred to the Financial Ombudsman Service. You have 6 months from the date of your final resolution letter to contact FOS.