Pet Insurance

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 pet 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.

Our Maximum Benefit policies will cover your pet 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 pet 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.

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.

If an alternative medicine or remedy is recommended by your vet to help treat one of your pets, then Healthy Pets will cover the cost, up to the complementary medicine limit of your chosen cover level.

This depends on the type of pet - dogs must be micro-chipped, but cats do not have to be. Though it’s not a legal requirement for your cat to be chipped, we recommend it help bring your beloved pet back to you should they go missing.

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

Healthy Pets’ Lifetime Reinstatement pet insurance policies will cover your pet 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 pet'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 pet insurance policy with Healthy Pets and premium payments being kept up to date.

Healthy Pets will cover your pet's veterinary fees throughout its lifetime and that of the agreement.

If your pet 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.

Unfortunately, Healthy Pets cannot cover existing conditions for which your pet has received treatment, medication or advice for, or suffered symptoms of, before your policy began. However, any pre-existing conditions will not affect your premium cost.

• Pets aged less than five-years-old pay a fixed excess: £99.
• Pets between the age of five and six years pay a fixed excess of £99 as well as a 15% co-insurance fee.
• Pets 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 pet insurance, designed to lower the cost of premiums for aging pets. You pay this as a contribution towards any amount claimed that is above the fixed excess.

For all pet insurance claims, you pay the excess for each illness or injury in each policy year. If one of your pets 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.

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, Savannah cats, or cats crossed with a Savannah, as well as the below breeds of dog, or dogs crossed with any of these breeds.