Dog Insurance

Dog and puppy insurance to suit your pet.

01730 230 564

Monday - Friday 8.30am-6.15pm, Saturday 9.00am-1.00pm

About Dog Insurance

Shield

Dog insurance covering vet fees up to £7,500

Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected.

Our Lifetime Extra policy offers £2,000 in total in each period of insurance, and £1,000 maximum for each illness or injury in each period of insurance. Our Lifetime Premier policy offers £4,250 in total in each period of insurance, and £3,250 maximum for each illness or injury in each period of insurance.

Money

20% discount for all of our new clients

20% discount for new customers when buying a new dog insurance policy

Flexibility

Choose from six levels of cover

Insurance is tailored to your dog's needs through six levels of cover: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier.

Heart

Vet bills paid directly

Bills for any eligible veterinary treatment can be paid by Healthy Pets directly, leaving you free to look after your dog at a stressful time.

Dog Insurance FAQs

Question

What is the maximum Healthy Pets can pay out for veterinary treatment under their dog insurance policies?

Answer

Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition, however cover for a condition will cease once the Maximum Benefit for it has been reached.

Our Lifetime dog insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum limit of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.

Our Accident Only policy can pay up to the policy limit (£1,000) per accident over a 12 month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will cease once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.

Question

Are Healthy Pets able to offer cover for the entirety of my dog’s life?

Answer

Yes. Our Maximum Benefit policies will cover your dog for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover your dog for its lifetime up to the maximum annual limit (£2,000 or £4,250) and the condition limit of £1,000 per condition pet policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.

Question

Am I covered for ongoing conditions?

Answer

Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,250 or £7,500) and subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier cover with an annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to the premiums being paid up to date.

Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is hurt in an accident, subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details.

Question

What provision is there for my dog in old age?

Answer

Healthy Pets will cover your dog’s veterinary fees throughout its lifetime and that of the policy.

Question

Is my dog or puppy covered for ongoing illness or injuries?

Answer

Healthy Pets' Bronze, Silver and Gold Maximum Benefit dog insurance policies will cover your dog for eligible ongoing illnesses or injuries that occur after your policy starts, up to the maximum benefit of your chosen cover level.

Healthy Pets' Lifetime Reinstatement dog insurance policies will cover your dog or puppy for eligible ongoing illnesses or injuries up to the annual limit. At renewal the limit is fully reinstated and the condition will continue to be covered.

If you have Accident Only Cover you are eligible for £1,000 per accident for your dog’s or puppy’s treatment costs, for up to 12 months from the date of the first treatment.

in all cases, cover is subject to you renewing your policy with Healthy Pets and premium payments being kept up to date.

Question

What is excluded from my dog insurance policy?

Answer

Unfortunately, Healthy Pets cannot cover illnesses or injuries which your dog has suffered symptoms of, or received treatment, medication or advice for, before your dog insurance came into force. However, any pre-existing conditions will not affect your premium.

Question

Does Healthy Pets cover alternative medicine treatment?

Answer

Yes, if the alternative remedies are a feasible option recommended by your vet to help your dog's health, then Healthy Pets will cover the cost, up to the complementary medicine limit of your chosen cover level.

Question

What is the excess for my dog insurance?

Answer
  • Dogs and puppies aged less than five-years-old pay a fixed excess: £99.
  • Dogs between the age of five and six years pay a fixed excess of £99 as well as a 15% co-insurance fee.
  • Dogs aged six years or above pay a fixed excess of £100 excess plus a 20% co-insurance fee.

Co-insurance is a common feature in dog insurance, designed to lower the cost of premiums for aging dogs. You pay this as a contribution towards any amount claimed that is above the fixed excess.

For all dog insurance claims, you pay the excess for each illness or injury in each policy year. If one of your dogs receives treatment for the same injury or illness in separate policy years, Healthy Pets will deduct the fixed excess from the first claim(s) for each condition in each policy year.

Question

Does my dog need to be microchipped?

Answer

Yes, by law your dog must be microchipped in order to be eligible for our dog insurance policies.

Question

Are there any dog breeds Healthy Pets cannot insure?

Answer

Healthy Pets do not provide pet insurance for any breed that is not listed on the breed selection options when quoting.These include, but are not limited to, the following, including any dog crossed with one or more of these breeds:

American Bandogge

American Bulldog

American Pit Bull Terrier

American Staffordshire Bull Terrier

Argentinean Mastiff

Bandogge Mastiff

Boerboel

Bully Kutta

Cane Corsos

Cao Fila

Czechoslovakian Wolfdog

Dogo Argentino

Dogue Brasileiro

Fila Brasileiro

Japanese Tosa

Korean Jindo

Lybian Desert Dog

Laika

Old Tyme Bulldog

Pit Bull Mastiff

Pit Bull Terrier

Sarloos Wolfhound

Tamaskan

Tosa Inus

Victorian Bulldog

Wolf Hybrid

   

Question

When will Healthy Pets not offer dog insurance?

Answer

If your dog or puppy is known to be aggressive, or has any third-party prosecutions pending, Healthy Pets are unable to offer insurance. Also, Healthy Pets cannot offer cover for any dogs that have been involved in commercial guard, security or racing activities.

Features of Dog Insurance

Standard cover

Tailored and flexible dog insurance

Healthy Pets dog insurance covers vet fees; death due to injury; theft or straying; kennel fees; holiday cancellation payments; and third-party liability cover.

Variety of treatments covered

To make your dog insurance claim easier, Healthy Pets can pay any eligible vet bills for your dog or puppy directly. This covers all reasonable costs for treatment of your pet by a vet due to accident, illness or disease, according to your policy cover.

Third-party liability cover

Healthy Pets offer third-party liability cover as part of your dog insurance, with cover for legal liability available up to £1 million. When you're out and about with your dog, you can rest easy knowing any accidents are covered.

Instant cover dog insurance

You can get 20% off your dog insurance when you join Healthy Pets. Instant cover for accidents is available online. Healthy Pets pet insurance is bespoke for your dog or puppy, offering six levels of cover: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier (details below).

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01730 230 564 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim