insurance guide
Pet Insurance Guide
Pet insurance may not be a legal requirement but it can certainly be useful in helping to protect your pet. This guide explains why you need pet insurance and some of the...
View insurance guide
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Find the right insurance for your pet.
Get a pet insurance quote from Healthy Pets, specialists in dog and cat insurance. Healthy Pets and Towergate are part of The Ardonagh Group.
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Weekdays 8:30am-6:15pm, Saturday 9am-1pm
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Healthy Pets' pet insurance can provide cover for vet fees; death from injury; advertising and reward; theft or straying, boarding kennel fees; and holiday cancellation. Third-party pet liability cover is provided for dogs only.
Death of your pet from illness or accident, or its permanent loss due to theft or straying, is covered to the purchase price of your pet (up to a maximum of £1,000). Healthy Pets also offer boarding kennel fees up to £1,000 if you or a member of your family permanently living with you is hospitalised on medical advice for more than four days.
Bills for any veterinary treatment - including complementary medicine, cruciate ligament treatment, special diets, CT/MRI scans and associated costs, and dentistry as a direct result of an accident or injury - can be paid by Healthy Pets directly, leaving you free to look after your pet at a stressful time.
Healthy Pets offers immediate pet insurance cover online, with 20% off when you join. Cover is tailored to your pet's needs through six levels of cover: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier (details below).
| Accident Only | Bronze | Silver | Gold | Lifetime reinstatement: Extra |
Lifetime reinstatement: Premier |
|
|---|---|---|---|---|---|---|
| Cover for accidents | • | • | • | • | • | • |
| Cover for illness | • | • | • | • | • | |
| Vet's fees (breakdown below) |
Up to £1,000 per accident/injury | Up to £1,000 per condition | Up to £4,250 per condition | Up to £7,500 per condition | £2,000 in total in each period of insurance. £1,000 maximum for each illness or injury in each period of insurance. | £4,250 in total in each period of insurance. £3,250 maximum for each illness or injury in each period of insurance. |
| - Complementary medicine | £400 | £400 | £500 | £750 | £500 | £750 |
| - Cruciate ligament total | £500 | £1,000 | £1,500 | £1,500 | £1,000 | £1,500 |
| - Special diet | £100 | £100 | £100 | £100 | £100 | |
| - CT/MRI scans and associated costs | £500 | £875 | £1,875 | £875 | £1,875 | |
| - Dentistry as a direct result of an accident or injury | £1,000 | £4,250 | £7,500 | £2,000 | £4,250 | |
| Cover for ongoing conditions | Up to 12 months | • | • | • | • | • |
| Accidental damage (dogs only) | £500 | £500 | ||||
| Third-party liability (dogs only) | Up to £1 million (excess of £250) | Up to £1 million (excess of £250) | Up to £1 million (excess of £250) | Up to £1 million (excess of £250) | Up to £1 million (excess of £250) | Up to £1 million (excess of £250) |
| Death from illness | £500 | £1,000 | £500 | £1,000 | ||
| Death from accident | £500 | £1,000 | £500 | £1,000 | ||
| Advertising and reward | £500 | £1,000 | £500 | £1,000 | ||
| Theft or straying | £500 | £1,000 | £500 | £1,000 | ||
| Boarding kennel fees | £500 | £1,000 | £500 | £1,000 | ||
| Holiday cancellation | £500 | £2,000 | £500 | £2,000 | ||
| Overseas travel | 30 days | 30 days | 12 months | 30 days | 6 months | |
Healthy Pets know that if your pet is ill or injured it can be very stressful, so aim to make service as quick and easy as possible.
You do not need to tell Healthy Pets before your pet is treated, and payment can be delivered either to you or straight to your vet.
To make a pet insurance claim, complete and submit this online claim form request form. Healthy Pets aim to respond with a decision within 10 working days.
Healthy Pets will email you an easy-to-complete claim form to be filled in by you and your pet's vet, with a step-by-step guide.
Alternatively you can email and Healthy Pets will aim to reply within one working day, or call friendly staff who will be happy to help you:
Lines are open weekdays 8:30am-6:15pm and Saturday 9am-1pm.
Read our articles and guides to find out more about pet insurance:
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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.
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.
| 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 |
Healthy Pets and Towergate Insurance are both part of The Ardonagh Group. Healthy Pets, a trading name of Healthy Pets Limited (company number 3209135), and Towergate Insurance, a trading name of Towergate Underwriting Group (company number 4043759) are registered in England at Companies House.
Healthy Pets Ltd and Towergate Underwriting Group are both authorised and regulated by the Financial Conduct Authority and both companies are registered with the Financial Conduct Authority using the reference numbers 311749 and 313250 respectively. For more information visit the FCA website or contact the FCA on 0800 111 6768.
