Getting rejected for a pet insurance policy can be a frustrating experience, and you may wonder exactly why your cat or dog can’t be covered. Here, we explain some of the reasons why your quote may be higher than expected, or your pet can’t be covered by us. We also answer other common questions around quotes and how our cover works.
Up to £15,000 vet fees
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
Up to £15,000 vet fees
More info
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
More info
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
More info
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
We’re sorry to hear that your pet’s pre-existing conditions have been rejected. Unlike some of our competitors, we’re proud to be able to offer pre-existing conditions cover.
While we can’t cover every illness, we’re always listening to your feedback to increase the list of conditions we can insure and the level of cover we can offer. So please try applying for a quote with us again in the future.
Our mission is to be able to cover as many breeds of cats and dogs as we can, so we’re always reviewing and adding to our list of accepted breeds. This means that although we may not be able to cover your pet’s breed right now, we may be able to cover them in the future.
Please be aware that we aren’t able to cover any dogs listed under the Dangerous Dog Act. You can see the details of what breeds we can’t cover on our excluded breeds page.
It can be discouraging to see a quote for pet insurance for your dog or cat that you think is too expensive. Reasons for this may include:
If you would like to bring down your monthly premium, you can choose to include an excess and/or bill share (co-payment) on your policy.
There’s a few ways you can check if your pet’s breed is accepted by us.
Firstly, you can visit our dedicated excluded breeds page.
The second way is during the quote process, when you choose whether your pet is a pedigree or non-pedigree. After this, you can look for your pet’s specific breed using the search bar. Select the breed from the dropdown list – if it’s an excluded breed, a pop-up box will appear to say it can’t be covered by us.
If you’re still unsure, you can reach out to a friendly member of our customer team on 033 0058 5134 and they will be happy to advise.
A bill share is where you pay a percentage of the cost of a claim, after any excess has been deducted.
Other insurers call this a ‘co-payment’ and it is completely optional with a Petgevity policy. Some of our competitors make it compulsory for certain products or when your pet reaches a certain age.
Some people choose to include a bill share on their policy because:
If you’re wondering how bill share works, here’s an example:
Valid claim amount for one condition: £700
> Minus £100 excess = £600
> Minus a 10% bill share of this remaining fee (£60) = £540
To summarise, here is what’s paid by you and us for the claim:
Although you pay your bill share for each claim, you will only pay one excess for the same condition each year.
If you’re having difficulties getting an online quote, call our customer team on 033 0058 5134 they will be happy to help.
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024.
Awarded Best Pet Insurance Provider at the Insurance Choice Awards 2022.
Choosing Petgevity to protect your pet gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
Behavioural treatment
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Complementary therapy
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
Dental accident
More info
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
Behavioural treatment
More info
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Complementary therapy
More info
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
More info
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
More info
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
More info
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15k per year | £15k per year | £12k per year | £20k per year |
| Cover for pre-existing conditions? | ✓ | ✓ | ✗ | ✗ |
| No compulsory excess? | ✓ | ✗ | ✗ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 9) | 20% (from age 7) | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ | ✓ | ✓ |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15k per year | £15k per year |
| Cover for pre-existing conditions? | ✓ | ✓ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 9) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15k per year | £12k per year |
| Cover for pre-existing conditions? | ✓ | ✗ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 7) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15k per year | £20k per year |
| Cover for pre-existing conditions? | ✓ | ✗ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £15k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✓ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | 20% (from age 9) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £12k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✗ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | 20% (from age 7) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £20k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✗ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
†For Lifetime policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording.
*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.