UK Dog Insurance from British Pet Insurance

Whether you’ve got an active puppy, an obedient dog or a calmer older dog, we've got you covered with a range of policy options packed with added benefits to suit.

✓ Up to £12,000 vet fee cover.
✓ Quick and simple claims process.
✓ Feefo Platinum Trusted Service from our friendly UK team.

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Types of Dog Insurance

There are different types of dog insurances that you can choose from depending on your situation and the health condition of your dog.

Lifetime Pet Insurance

The lifetime pet insurance for your dog stays active until you keep paying the premiums on time. These insurances usually last as long as the pet’s life and allow dog owners to have financial security. However, you may need to pay topped-up premiums each year in these cases. 

Time-limited pet insurance

Time-limited insurance is the kind of pet insurance that is usually valid for a specific period and is ideal for owners who want to cover health expenses for a year or so. You can pay for everything else yourself after this period. 

Accident-Only Pet Insurance

The accident-only pet insurance provides financial support in cases where pets encounter an unseen sudden accident and require urgent medical assistance. This is the most beneficial and affordable pet insurance policy for dog owners who do not have enough financial stability to bear their dog’s treatment expenses all of the sudden.

Maximum-benefit pet insurance

This kind of insurance allows a pre-set amount that you spend on each injury and illness, with no time limit. This means you can list all the potential diseases your dog has and then claim these expenses according to the situation. 

The insurance providers will mention the appropriate amount for insurance when you start paying its premiums.

Superior – the most comprehensive insurance cover we offer, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all breed types
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

  • Alternative or complementary treatment

    £2,000 per year contained within the vet fee’s limit

  • Saying goodbye

    Not offered

  • Theft or straying

    Up to £2,000 for the price you paid for your pet.

  • Advertising and reward

    £2,000 per year

  • Third party liability

    £1,000,000 per incident
    Excess £250 for each property claim

  • Boarding fees

    £1,500 per year

  • Holiday cancellation

    £1,500 per year

  • Emergency repatriation

    £500 per year

  • Quarantine expenses and loss of documents

    £1,500 per year

  • Death from injury or illness

    Up to £2,000 for the price you paid for your pet.
    Death from illness cover will not be offered for any standard dog breed over the age of 8 and any select breed over the age of 5.

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all breed types
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

  • Alternative or complementary treatment

    £1,500 contained within the vet fee’s limit

  • Saying goodbye

    Not offered

  • Theft or straying

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
    Up to £1,500 for the price you paid for your pet.

  • Advertising and reward

    £1,500 per year

  • Third party liability

    £1,000,000 per incident
    Excess £250 for each property claim

  • Boarding fees

    £1,250 per year

  • Holiday cancellation

    £1,250 per year

  • Emergency repatriation

    £400 per year

  • Quarantine expenses and loss of documents

    £1,250 per year

  • Death from injury or illness

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other). Up to £1,500 for the price you paid for your pet.
    Death from illness cover will not be offered for standard dog breeds over the age of 8 and any select breed over the age of 5.

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all breed types
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

  • Condition inner limits

    No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

  • Alternative or complementary treatment

    £1,000 per year contained within the Vet fee’s limit

  • Saying goodbye

    Not offered

  • Theft or straying

    Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,500 for the price you paid for your pet.

  • Advertising and reward

    £1,000 per year

  • Third party liability

    £1,000,000 per incident
    Excess £250 for each property claim

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    £1,000 per year

  • Emergency repatriation

    £300 per year

  • Quarantine expenses and loss of documents

    £1,000 per year

  • Death from injury or illness

    Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other). Up to £1,500 for the price you paid for your pet.
    Death from illness cover will not be offered for standard dog breeds over the age of 8 and any select breed over the age of 5.

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

Superior

Mid-point

Entry

Claimable period

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Veterinary fees

£12,000 per year

£9,000 per year

£6,000 per year

Percentage of veterinary fees covered

100%

100%

100%

Excess

Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

£90 for all breed types
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

£90 for all breed types
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

£90 for all breed types
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies and once a select dog breed reaches the age of 4 an additional 20% excess also applies. Once a standard dog breed reaches the age of 10 an additional 35% excess also applies and once a select dog breed reaches the age of 7 an additional 35% excess also applies.

Condition inner limits

No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

Alternative or complementary treatment

£2,000 per year contained within the vet fee’s limit

£1,500 contained within the vet fee’s limit

£1,000 per year contained within the Vet fee’s limit

Saying goodbye

Not offered

Not offered

Not offered

Theft or straying

Up to £2,000 for the price you paid for your pet.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other).
Up to £1,500 for the price you paid for your pet.

Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,500 for the price you paid for your pet.

Advertising and reward

£2,000 per year

£1,500 per year

£1,000 per year

Third party liability

£1,000,000 per incident
Excess £250 for each property claim

£1,000,000 per incident
Excess £250 for each property claim

£1,000,000 per incident
Excess £250 for each property claim

Boarding fees

£1,500 per year

£1,250 per year

£1,000 per year

Holiday cancellation

£1,500 per year

£1,250 per year

£1,000 per year

Emergency repatriation

£500 per year

£400 per year

£300 per year

Quarantine expenses and loss of documents

£1,500 per year

£1,250 per year

£1,000 per year

Death from injury or illness

Up to £2,000 for the price you paid for your pet.
Death from illness cover will not be offered for any standard dog breed over the age of 8 and any select breed over the age of 5.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other). Up to £1,500 for the price you paid for your pet.
Death from illness cover will not be offered for standard dog breeds over the age of 8 and any select breed over the age of 5.

Optional extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other). Up to £1,500 for the price you paid for your pet.
Death from illness cover will not be offered for standard dog breeds over the age of 8 and any select breed over the age of 5.

Day to day care

Not offered

Not offered

Not offered

Waiting period

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Mid-range – our most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £12,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%.

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120.

  • Condition inner limits

    For cruciate ligament repair: £5,000 per year

    For luxating patella(s): No inner limit

    For hip dysplasia: £5,000 per year

    For Osteochondritis Dissecans or OCD: No inner limit

    For vet consultations & visits: £500 per year

    For skin conditions: £500 per year

    For cancer: £5,000 per year

    For Brachycephalic airway obstruction (BOAS): No inner limit

    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    Not offered

  • Saying goodbye

    £250 per year

  • Theft or straying

    Not offered

  • Advertising and reward

    Not offered

  • Third party liability

    £1,000,000 per incident for dogs only
    Excess £250 for each property claim

  • Boarding fees

    £1,500 per year

  • Holiday cancellation

    Not offered

  • Emergency repatriation

    Not offered

  • Quarantine expenses and loss of documents

    Not offered

  • Death from injury or illness

    Not offered

  • Day to day care

    Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
    Up to £30 per year for Vaccinations or Health checks
    Up to £10 per year for a Worm test or Blood screen
    Up to £10 per year for FeLv, Fiv test or Urinalysis
    Up to £45 per year for Flea or Tick control
    No Excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £9,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%.

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120.

  • Condition inner limits

    For cruciate ligament repair: £3,000 per year

    For luxating patella(s): No inner limit

    For hip dysplasia: £3,000 per year

    For Osteochondritis Dissecans or OCD: No inner limit

    For vet consultations & visits: £400 per year

    For skin conditions: £400 per year

    For cancer: £3,000 per year

    For Brachycephalic airway obstruction (BOAS): No inner limit

    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    Not offered

  • Saying goodbye

    £200 per year

  • Theft or straying

    Not offered

  • Advertising and reward

    Not offered

  • Third party liability

    £1,000,000 per incident for dogs only
    Excess £250 for each property claim

  • Boarding fees

    £1,250 per year

  • Holiday cancellation

    Not offered

  • Emergency repatriation

    Not offered

  • Quarantine expenses and loss of documents

    Not offered

  • Death from injury or illness

    Not offered

  • Day to day care

    Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
    Up to £30 per year for Vaccinations or Health checks
    Up to £10 per year for a Worm test or Blood screen
    Up to £10 per year for FeLv, Fiv test or Urinalysis
    Up to £45 per year for Flea or Tick control
    No Excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 per year

  • Percentage of veterinary fees covered

    Choice of 90%, 80% or 70%.

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £0, £60 or £120.

  • Condition inner limits

    For cruciate ligament repair: £2,000 per year

    For luxating patella(s): No inner limit

    For hip dysplasia: £2,000 per year

    For Osteochondritis Dissecans or OCD: No inner limit

    For vet consultations & visits: £300 per year

    For skin conditions: £300 per year

    For cancer: 2,000 per year

    For Brachycephalic airway obstruction (BOAS): No inner limit

    For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

  • Alternative or complementary treatment

    Not offered

  • Saying goodbye

    £150 per year

  • Theft or straying

    Not offered

  • Advertising and reward

    Not offered

  • Third party liability

    £1,000,000 per incident for dogs only
    Excess £250 for each property claim

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    Not offered

  • Emergency repatriation

    Not offered

  • Quarantine expenses and loss of documents

    Not offered

  • Death from injury or illness

    Not offered

  • Day to day care

    Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
    Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
    Up to £30 per year for Vaccinations or Health checks
    Up to £10 per year for a Worm test or Blood screen
    Up to £10 per year for FeLv, Fiv test or Urinalysis
    Up to £45 per year for Flea or Tick control
    No Excess

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

Key

Vital

Core

Claimable period

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Veterinary fees

£12,000 per year

£9,000 per year

£6,000 per year

Percentage of veterinary fees covered

Choice of 90%, 80% or 70%.

Choice of 90%, 80% or 70%.

Choice of 90%, 80% or 70%.

Excess

Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

Choice of £0, £60 or £120.

Choice of £0, £60 or £120.

Choice of £0, £60 or £120.

Condition inner limits

For cruciate ligament repair: £5,000 per year

For luxating patella(s): No inner limit

For hip dysplasia: £5,000 per year

For Osteochondritis Dissecans or OCD: No inner limit

For vet consultations & visits: £500 per year

For skin conditions: £500 per year

For cancer: £5,000 per year

For Brachycephalic airway obstruction (BOAS): No inner limit

For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

For cruciate ligament repair: £3,000 per year

For luxating patella(s): No inner limit

For hip dysplasia: £3,000 per year

For Osteochondritis Dissecans or OCD: No inner limit

For vet consultations & visits: £400 per year

For skin conditions: £400 per year

For cancer: £3,000 per year

For Brachycephalic airway obstruction (BOAS): No inner limit

For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

For cruciate ligament repair: £2,000 per year

For luxating patella(s): No inner limit

For hip dysplasia: £2,000 per year

For Osteochondritis Dissecans or OCD: No inner limit

For vet consultations & visits: £300 per year

For skin conditions: £300 per year

For cancer: 2,000 per year

For Brachycephalic airway obstruction (BOAS): No inner limit

For paralysis tick: Up to £1,000 for the first occurrence and then up to £500 thereafter

Alternative or complementary treatment

Not offered

Not offered

Not offered

Saying goodbye

£250 per year

£200 per year

£150 per year

Theft or straying

Not offered

Not offered

Not offered

Advertising and reward

Not offered

Not offered

Not offered

Third party liability

£1,000,000 per incident for dogs only
Excess £250 for each property claim

£1,000,000 per incident for dogs only
Excess £250 for each property claim

£1,000,000 per incident for dogs only
Excess £250 for each property claim

Boarding fees

£1,500 per year

£1,250 per year

£1,000 per year

Holiday cancellation

Not offered

Not offered

Not offered

Emergency repatriation

Not offered

Not offered

Not offered

Quarantine expenses and loss of documents

Not offered

Not offered

Not offered

Death from injury or illness

Not offered

Not offered

Not offered

Day to day care

Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
Up to £30 per year for Vaccinations or Health checks
Up to £10 per year for a Worm test or Blood screen
Up to £10 per year for FeLv, Fiv test or Urinalysis
Up to £45 per year for Flea or Tick control
No Excess

Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
Up to £30 per year for Vaccinations or Health checks
Up to £10 per year for a Worm test or Blood screen
Up to £10 per year for FeLv, Fiv test or Urinalysis
Up to £45 per year for Flea or Tick control
No Excess

Optional Extra – Up to £50 per year for one of the below day to day cares your pet needs per year:
Up to £50 per year for De-sexing; Microchipping; Worming; Behavioural therapy; Teeth cleaning; Alternative or complementary treatment; Prescription diets; or Dewclaw removal.
Up to £30 per year for Vaccinations or Health checks
Up to £10 per year for a Worm test or Blood screen
Up to £10 per year for FeLv, Fiv test or Urinalysis
Up to £45 per year for Flea or Tick control
No Excess

Waiting period

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Safety-net – accidents or illness can happen at any time, and our Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Benefits

  • Claimable period

    12 Months
    We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed.

  • Veterinary fees

    £4,000 for each injury and illness for 12 months

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    £90 for all dogs & cats (all breed types)
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

  • Condition inner limits

    No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

  • Alternative or complementary treatment

    £1,000 for each injury and illness for 12 months, contained within the Vet fee’s limit

  • Saying goodbye

    Not offered

  • Theft or straying

    Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,000 for the price you paid for your pet.

  • Advertising and reward

    £1,000 per year

  • Third party liability

    £1,000,000 per incident for dogs only
    Excess £250 for each property claim

  • Boarding fees

    £1,000 per year

  • Holiday cancellation

    £1,000 per year

  • Emergency repatriation

    £300 per year

  • Quarantine expenses and loss of documents

    £1,000 per year

  • Death from injury or illness

    Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,000 for the price you paid for your pet.
    Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 14 days
    For an injury: none
    For cruciate ligament disease: 14 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to pet’s under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £6,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £450 or £900
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

  • Condition inner limits

    For cruciate ligament repair: £3,000 per year
    For luxating patella(s): £3,000 per year
    For hip dysplasia: £3,000 per year
    For osteochondritis dissecans or OCD: £3,000 per year
    For vet consultations and visits: £400 per year
    For skin conditions: £400 per year
    For cancer: £3,000 per year
    For brachycephalic airway obstruction (BOAS): £4,000 per year
    For paralysis tick: No inner limit

  • Alternative or complementary treatment

    Not offered

  • Saying goodbye

    Not offered

  • Theft or straying

    Not offered

  • Advertising and reward

    Not offered

  • Third party liability

    Optional extra
    £1,000,000 per incident
    Excess £250 for each property claim

  • Boarding fees

    Not offered

  • Holiday cancellation

    Not offered

  • Emergency repatriation

    Not offered

  • Quarantine expenses and loss of documents

    Not offered

  • Death from injury or illness

    Not offered

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

  • Claimable period

    Lifetime
    We will provide ongoing cover for illnesses and injuries, year after year.

  • Veterinary fees

    £3,000 per year

  • Percentage of veterinary fees covered

    100%

  • Excess

    Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

    Choice of £450 or £900
    Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

  • Condition inner limits

    For cruciate ligament repair: £2,000 per year
    For luxating patella(s): £2,000 per year
    For hip dysplasia: £2,000 per year
    For osteochondritis dissecans or OCD: £2,000 per year
    For vet consultations and visits: £300 per year
    For skin conditions: £300 per year
    For cancer: £2,000 per year
    For brachycephalic airway obstruction (BOAS): £3,000 per year
    For paralysis tick: No inner limit

  • Alternative or complementary treatment

    Not offered

  • Saying goodbye

    Not offered

  • Theft or straying

    Not offered

  • Advertising and reward

    Not offered

  • Third party liability

    Optional extra
    £1,000,000 per incident
    Excess £250 for each property claim

  • Boarding fees

    Not offered

  • Holiday cancellation

    Not offered

  • Emergency repatriation

    Not offered

  • Quarantine expenses and loss of documents

    Not offered

  • Death from injury or illness

    Not offered

  • Day to day care

    Not offered

  • Waiting period

    For an illness: 28 days
    For an injury: none
    For cruciate ligament disease: 180 days (6 months)
    For brachycephalic airway obstruction (BOAS): 365 days (1 year)
    For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

  • Age restrictions

    Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Benefits

Economy

Catastrophe 2

Catastrophe 1

Claimable period

12 Months
We will provide cover for each injury and illness for 12 months, starting from the date the injury happened or the clinical signs of the illness were first noticed.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Lifetime
We will provide ongoing cover for illnesses and injuries, year after year.

Veterinary fees

£4,000 for each injury and illness for 12 months

£6,000 per year

£3,000 per year

Percentage of veterinary fees covered

100%

100%

100%

Excess

Excess for veterinary fees, alternative or complementary treatment, saying goodbye, theft or straying, advertising & reward, boarding fees, holiday cancellation, emergency cancellation, emergency repatriation, quarantine expenses & loss of documents

£90 for all dogs & cats (all breed types)
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

Choice of £450 or £900
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

Choice of £450 or £900
Once a standard dog breed reaches the age of 8 an additional 20% excess also applies & once a select dog breed reaches the age of 4 an additional 20% excess also applies Once a standard dog breed reaches the age of 10 an additional 35% excess also applies & once a select dog breed reaches the age of 7 an additional 35% excess also applies

Condition inner limits

No inner limit for: cruciate ligament repair, luxating patella(s), hip dysplasia, osteochondritis dissecans or OCD, vet consultations and visits, skin conditions, cancer, brachycephalic airway obstruction (BOAS) or paralysis tick.

For cruciate ligament repair: £3,000 per year
For luxating patella(s): £3,000 per year
For hip dysplasia: £3,000 per year
For osteochondritis dissecans or OCD: £3,000 per year
For vet consultations and visits: £400 per year
For skin conditions: £400 per year
For cancer: £3,000 per year
For brachycephalic airway obstruction (BOAS): £4,000 per year
For paralysis tick: No inner limit

For cruciate ligament repair: £2,000 per year
For luxating patella(s): £2,000 per year
For hip dysplasia: £2,000 per year
For osteochondritis dissecans or OCD: £2,000 per year
For vet consultations and visits: £300 per year
For skin conditions: £300 per year
For cancer: £2,000 per year
For brachycephalic airway obstruction (BOAS): £3,000 per year
For paralysis tick: No inner limit

Alternative or complementary treatment

£1,000 for each injury and illness for 12 months, contained within the Vet fee’s limit

Not offered

Not offered

Saying goodbye

Not offered

Not offered

Not offered

Theft or straying

Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,000 for the price you paid for your pet.

Not offered

Not offered

Advertising and reward

£1,000 per year

Not offered

Not offered

Third party liability

£1,000,000 per incident for dogs only
Excess £250 for each property claim

Optional extra
£1,000,000 per incident
Excess £250 for each property claim

Optional extra
£1,000,000 per incident
Excess £250 for each property claim

Boarding fees

£1,000 per year

Not offered

Not offered

Holiday cancellation

£1,000 per year

Not offered

Not offered

Emergency repatriation

£300 per year

Not offered

Not offered

Quarantine expenses and loss of documents

£1,000 per year

Not offered

Not offered

Death from injury or illness

Optional Extra (but have to have both death and theft or straying optional extra’s together, cannot add one without the other) – Up to £1,000 for the price you paid for your pet.
Death from illness cover will not be offered for standard dog breed or cat over the age of 8 and any select breed over the age of 5.

Not offered

Not offered

Day to day care

Not offered

Not offered

Not offered

Waiting period

For an illness: 14 days
For an injury: none
For cruciate ligament disease: 14 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

For an illness: 28 days
For an injury: none
For cruciate ligament disease: 180 days (6 months)
For brachycephalic airway obstruction (BOAS): 365 days (1 year)
For nasal fold, skin fold, stenotic nares and soft palate resections, enlarged tongue (macroglossia), everted laryngeal saccules, gastrointestinal tract: 365 days (1 year)

Age restrictions

Not offered to pet’s under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Not offered to dogs aged 8 or older or any pet under 8 weeks of age.

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

Why insure your dog with British Pet Insurance?

Up to 100% of vet bills covered

Up to 100% of vet bills covered

Receive up to 100% back on eligible vet bills based on your level of cover.

Easy claims process

Easy claims process

Our claims process is simple and quick. 95% of claims are paid within 3 days.

Variety of plans

Variety of plans

Our comprehensive range of plans are designed for all needs and budgets.

Award-winning pet insurance

Award-winning pet insurance

Feefo Platinum Trusted Service from our friendly UK team.

Read our policy documents

Superior plan Mid-range plan Safety-net (Economy) plan Safety-net (Catastrophe 1 & 2) plan

Is this policy right for you?

Read the Target Market Determination (TMD) documents to ensure our policies fit your needs. These documents explain who the policy is for and how it should be used, so you don’t end up with cover that’s not right for you.

Policies bought on or after 5 February 2025:

Policies bought between 1 May 2024 – 4 February 2025:

bmd-dog-insurance-uk

Benefits of Dog Pet Policy Cover

Following are the most common benefits of dog insurance that you should know:

Helps Manage Finances

Dog insurance can cost a lot of money if you aren’t ready for it. It is fairly difficult for most dog owners to manage their finances coupled with dog medical expenses. This is because that some dog breeds like a Jack Russell may look strong but can develop health complications over time.

 This means you will spend thousands of pounds on average to tend to your dog’s health issues in most cases. Dog insurance helps minimise these expenses and helps you provide better dog treatment without damaging your financial stability.

Provides More Options

Dog owners can choose from a wide range of vets and treatments if they have financial security. You can even take your pet to the best veterinarian in town if your insurance policy allows it. In addition, you can choose between more expensive treatment options that you may leave out otherwise.

Provides Mental Peace

 Seeing your pet dog sick can make you worry and take away your mental peace if you are attached to them. Things get worse when you do not have enough money to provide your pet with the right treatment. However, having the right professional dog insurance will help you meet these dog medical expenses without causing too much stress on your finances.

You can get your dog to the vet and treat it for whatever health issue it has, without worrying about the money.

Jack russel terrier running amongst flowers

Owning a dog can be a fun and rewarding experience

However, if they suffer an illness or injury, it can also be both stressful and expensive.

This is where we can help.

To ensure we really understand and cater for you and your dog’s needs, our sole focus is pet insurance.

We aim to make the claim process smooth, quick, and easy, so you can concentrate on the health of your dog.

British Pet Insurance Services can provide the support you and your dog need, whether it is with your insurance cover, making a claim or just helpful advice along the way.

Get a quote

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