Comprehensive pet insurance for your
cat or dog.
What Our Policies Cover
We offer four levels of cover for your cat or dog depending on your requirements and budget:
Crystal Cover
Crystal Cover is an affordable accident only cover for veterinary fees and third party liability only. We will cover veterinary fees up to the limit of £1,000 per condition, per policy year. We will also pay for specific alternative medicine.
Pearl Cover
Pearl Cover is a higher cover of veterinary fees with extra benefits. We will cover veterinary fees up to the limit of £2,000 per condition for 12 months from the onset date of the condition. We will also cover boarding fees if you have to go into hospital and the cost of your pet if the worst happens and your pet dies. If you are going abroad and taking your pet with you, we cover up to £2,000 for overseas travel.
Ruby and Diamond Cover
Ruby and Diamond are Lifetime products with Benefit Limits for veterinary fees which apply per condition, per policy year. The additional benefit limits are increased and both Accidental Damage and Personal Accident are included.
Crystal | Pearl | Ruby | Diamond | |
Type of Cover | Accident Only | 12 Month ## | Lifetime† | Lifetime† |
Veterinary Fees* | £1,000 | £2,000 | £2,500 | £4,000 |
Complementary Medicine* | £300 | £300 | £300 | £500 |
Cruciate Ligament* | £500 | £2,000 | £2,500 | £4,000 |
CT/MRI Scans and Associated Costs* | £500 | £750 | £1,250 | £1,250 |
Dentistry as a direct result of an accident/injury* | £1,000 | £2,000 | £2,500 | £4,000 |
Excess** | £99 | £99 | £99 | £99 |
Death of Pet*** | £500 | £500 | £750 | £1,000 |
Emergency Boarding and Daily Minding | - | £300 | £450 | £600 |
Holiday Cancellation Cover | - | £250 | £500 | £750 |
Loss by Theft or Straying | - | £500 | £750 | £1,000 |
Advertising & Reward | - | £200 | £300 | £400 |
Accidental Damage | - | - | £125 | £250 |
Personal Accident | - | - | £125 | £250 |
Third Party Legal Liability (Dogs Only) # | £1,000,000 | £1,000,000 | £1,500,000 | £2,000,000 |
Overseas Travel | - | £2,000 | £2,000 | £2,000 |
Current Documents | For policies incepted on or after 1st April 2024 | |||
Policy Wording | Policy Wording | Policy Wording | Policy Wording | |
For policies incepted on or before 31st March 2024 | ||||
Policy Wording | Policy Wording | Policy Wording | Policy Wording | |
For policies incepted on or after 1st April 2024 | ||||
Insurance Product Information Document | Insurance Product Information Document | Insurance Product Information Document | Insurance Product Information Document | |
For policies incepted on or before 31st March 2024 | ||||
Insurance Product Information Document | Insurance Product Information Document | Insurance Product Information Document | Insurance Product Information Document |
†Subject to the policy remaining in force, premiums being paid up to the date and the insurer inviting renewal, there is no limit on how long you can claim for illness or injury.
* The Benefit Limits for Complementary Medicine, Special Diet, Cruciate Ligament, CT/MRI Scans and Associated Costs and Dentistry (where applicable) are included in the overall Benefit Limit for Veterinary Fees and are subject to one excess per Condition per Policy Period with the exception of Pearl cover which has one excess per Condition.
** An excess of £99 is deducted for each accident or illness claimed for during each policy period. For Pearl Cover, the excess is deducted once per Condition.
***Death of Pet benefit is subject to incremental percentage deductions based on your pets age and is not available for pets aged 8 years and over. Death from Illness is not covered on the Crystal policy.
Once the pet has reached the age of 8, 15% of any treatment costs will be added to this. Any continuation claims for pets aged 8 years and over will also be subject to a 15% co-payment.
# A £250 excess is paid once per claim.
## Payments for Veterinary Fees are limited to costs incurred within 1 calendar year from the date of the Condition onset or the maximum Benefit Limit, whichever is reached first and subject to renewal.
On policies where illness is covered, a 14 day waiting period applies to illness only.
For All levels of cover there is a 24 hour waiting period which applies to accidents only.
Please refer to the Benefit Table above for Policy Wording and Insurance Product Information Documents for full details of cover.
Useful Information