Puppy Insurance

Puppy insurance you can trust

Start your puppy’s life on the right paw with flexible dog insurance and free 24/7 access to vet video support. Our cover has a Defaqto 5-star rating when you choose vet fees over £4k with all optional extras included. Cover can start from when your pup is 4 weeks old. Plus you’ll have 24/7 access to video consultations from UK-registered vets.

Why get puppy insurance?

Puppies are full of beans. They’re pretty low-energy to begin with, but it only takes a few weeks before they start getting up to mischief. And puppies are more likely to have accidents and are more susceptible to illness than adult dogs.

It’s also worth noting that vet fees can often be pricey, especially for certain treatments or procedures. That’s where the safety net of dog insurance can be a life-saver. Having the right cover in place can help absorb the cost of what might otherwise be a costly visit to the vet.

With Petgevity, you can get cover for your puppy from just 4 weeks old. Plus we only provide lifetime insurance. This means you can protect your puppy against any injuries or conditions they develop over their whole lifetime, as long as you renew each year.

And puppy insurance doesn’t only cover vet bills. Depending on what you need, you could look into a policy that covers other aspects of puppyhood – such as emergency kennel costs, or help if they go missing, such as creating adverts or offering rewards.

Want to know more? Read our guide to whether pet insurance is worth it to find out how pet insurance can benefit your puppy as they grow into adulthood and beyond.

How much does puppy insurance cost?

The price you pay for puppy insurance depends on a number of things. Factors that affect the cost include:

• Your puppy’s breed. Some breeds will be more prone to certain conditions than others, which affects the price of cover.
• Your dog’s age. As they grow up, your dog’s age will become an increasingly important factor in what you expect to pay.
• Whether they have any pre-existing conditions. This can push up the price of insurance. But you should inform us if your puppy has any conditions, because – if they need it – having the right level of cover in place is crucial. With our Lifetime Plus policies, we might be able to cover existing conditions, subject to acceptance*.
• Where you live. Puppy insurance is likely to cost more in certain areas of the county, for example London. This is because these locations are considered higher risk, based on the number of insurance claims made there. What you pay for insurance could also increase or decrease when you move.
• Any optional extras, excess or bill share you’ve chosen

Before choosing the exact level of cover for your new pal, it’s a good idea to look into:

• The cost of emergency treatment at your local vet
• Any genetic issues that may be common in your dog breed, and how much these generally cost to treat

What’s the best pet insurance for a puppy?

As a puppy parent, it’s natural to want what’s best for your new family member.

Ultimately, the decision of what’s right for their needs is in your hands. If you need some food for thought, here’s how to choose the best pet insurance for your pup.

What does puppy insurance cover?

At its heart, puppy insurance is there to help financially with unexpected vet bills. If your puppy gets hurt or becomes ill, that’s when your policy springs into action.

With a Petgevity dog insurance policy, you’re covered for:

• Vet fees
  • Behavioural treatment and complementary therapy
  • Dental accidents
  • MRI/CT scans (up to £2k)
  • Cruciate ligaments (up to £2k)
  • Euthanasia
• Emergency care

If you need more protection, you can also add optional extras to your policy. For a small fee, you can add things like protection for dental illness, or travel and holiday cover. Think about your puppy’s exact needs so you can tailor a policy that fits them perfectly.

What doesn’t puppy insurance cover?

Generally speaking, pet insurance won’t cover routine and preventative treatments. And this is also true of Petgevity policies. So we don’t cover things like:

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

Check with your local vet to see if they offer a healthcare plan. Many vets do this, allowing you to spread the cost of treatments such as these. These monthly payment schemes usually cover health checks, annual boosters, preventative care and so on.