To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Pet insurance can sometimes be confusing. In an ideal world, no pet parent should have to do too much digging in order to understand their cover. But we’re giving short explainers to cut through the jargon and insurance-speak, helping you get to grips with your policy.
Vet fees up to £15,000
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
More info
To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.
Design your own pet insurance
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
More info
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
More info
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
Vet fees up to £15,000
More info
Design your own pet insurance
More info
Policies as unique as your pet. Set your own limits, excess and optional extras, for cover as snug as a collar.
Switch with unbroken cover
More info
If you switch to us from a like-for-like policy, there’ll be no gap in cover, with protection starting straight away**.
What is an inner limit in lifetime pet insurance?
On applying for lifetime pet insurance, you can choose an annual vet fee limit. This is the maximum you can claim for your pet’s treatment throughout the year.
However, not all conditions are covered in the same way. Many insurers will only pay a specified maximum for certain conditions, rather than the full vet fee limit. This is the inner limit.
When you renew each year, your annual vet fee limit resets to the full amount. And so do the inner limits.
What conditions usually have inner limits?
Some of the common treatments and conditions that insurers will put limits on are:
- MRI and CT scans
- Cruciate ligament
- Behavioural sessions
- Complementary therapy
- Dental illness
- Prescribed diet food
How do I know if my cover has inner limits?
When you take out pet insurance, always check the policy wording, and familiarise yourself with your cover. The policy document will explain if your cover has any inner limits.
With Petgevity policies, you can find any inner limits in the table of benefits in your policy wording. These are referred to in each case as ‘limit of cover’. These are also listed in your Confirmation of Cover.
Some Petgevity policy inner limits include:
- Behavioural treatment: Up to 12 sessions or your chosen vet fee amount, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime)
- Complementary therapy: Up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime)
- Cruciate ligament claims: Up to £2,000 or your chosen vet fee amount, whichever is lower
- MRI and CT scans: Up to £2,000 or your chosen vet fee amount, whichever is lower
- Prescribed diet food: £250 (Lifetime Plus) or £100 (Lifetime)
What’s included in a Petgevity policy
Choosing Petgevity to protect your pet gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
More info
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
More info
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
More info
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
More info
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
More info
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
More info
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
Dental accident
More info
Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.
Behavioural treatment
More info
Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).
Complementary therapy
More info
As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).
Emergency care
More info
If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.
Third-party liability for dogs
More info
Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.
Choice of optional extras
More info
Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.
†Lifetime Plus policies only
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.