Up to £15,000 vet fees
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
Your pet is unique. Chose your limits, excess and optional extras to create a policy that fits them like a collar.
Your pet is unique. Chose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
Switch to Petsure on a like for like basis, with no gap in cover, and your cover could start immediately**.
Switch to Petsure on a like for like basis, with no gap in cover, and your cover could start immediately**.
Up to £15,000 vet fees
More info
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
More info
Your pet is unique. Chose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
More info
Switch to Petsure on a like for like basis, with no gap in cover, and your cover could start immediately**.
At Petsure, we see a pre-existing condition as:
When we say ‘anything’, this could be:
Other insurers might have different definitions of an existing condition.
Petsure is one of only a few insurers that can offer pre-existing conditions cover for pets. Cover for pre-existing medical conditions is subject to acceptance. They won’t be covered unless you have declared them and they are shown on your Confirmation of Cover.
Some other providers do not cover pre-existing conditions whatsoever. Others have limited or lower-level cover and compulsory excesses.
The most comprehensive type of policy – lifetime pet insurance with up to £15,000 vet fee cover. You’ll be able to use your full vet fee limit towards claims on most of the pre-existing conditions you’ve declared and we’ve agreed to cover.
Some conditions, treatments, and investigations have a maximum amount which can be paid out on a claim. Don’t forget to read about these in your policy wording.
Having comprehensive cover for those unexpected scrapes can help give you peace of mind while your pet continues living their best lives. Discover flexible pet insurance that protects the important four-legged members of your household.
Dog cover
Cat cover
Multi-pet cover
Dog cover
Cat cover
Multi-pet cover
Choosing Petsure to protect your pet gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
If your pet has a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking your pet for annual-check ups and following vet dental advice.
If your pet has a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking your pet for annual-check ups and following vet dental advice.
Behavioural treatment
Help from an expert with your pet’s emotional and mental well-being, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with complementary therapy).
Help from an expert with your pet’s emotional and mental well-being, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with complementary therapy).
Complementary therapy
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
If you have an emergency (like an unplanned hospital visit) and can’t look after your pet, you get up to £1,500 towards pet minding costs.
If you have an emergency (like an unplanned hospital visit) and can’t look after your pet, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
Choose from a range of optional extras to suit your pet’s needs, such as dental illness and cover if your pet gets lost or stolen.
Choose from a range of optional extras to suit your pet’s needs, such as dental illness and cover if your pet gets lost or stolen.
Dental accident
More info
If your pet has a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking your pet for annual-check ups and following vet dental advice.
Behavioural treatment
More info
Help from an expert with your pet’s emotional and mental well-being, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with complementary therapy).
Complementary therapy
More info
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
More info
If you have an emergency (like an unplanned hospital visit) and can’t look after your pet, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
More info
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
More info
Choose from a range of optional extras to suit your pet’s needs, such as dental illness and cover if your pet gets lost or stolen.
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024
Awarded Best Pet Insurance Provider at the Insurance Choice Awards 2022
Let us know about your pet’s conditions
Answer some questions about your pet’s health over the last two years and we’ll tell you if we can cover their conditions.
Claim as many times up to your chosen limit each policy year
If we’ve agreed to cover your pet’s conditions and they worsen, you can make a claim and the cost will be taken from your chosen annual limit.
Your vet fee limit resets each year you renew your policy
When you stay with us, your pet will continue to be covered for repeated illnesses up to your policy limits.
“I’ve teamed up with Petsure as their vet ambassador. Their insurance products could cover cats and dogs, healthy or with pre-existing conditions, old or young, with great flexibility to suit both you and them.”
For any pre-existing conditions we’ve agreed to cover on your policy, you can claim up to your vet fee limit where there are:
You’ll be covered for new symptoms and conditions that your pet develops after you’ve taken out their policy with us. As well as resolved conditions that don’t need further medication, check-ups, or tests.
Your pet’s conditions won’t be covered unless you declare them to us and we accept them. These accepted conditions will be confirmed in writing to you.
A Petsure pre-existing conditions policy doesn’t cover the following:
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year | £12,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||||
| No compulsory excess? | ||||
| No compulsory co-payments for older pets? | 20% (from age 9) | 20% (from age 7) | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||||
| Dental treatment for accidents? | ||||
| Behavioural treatment and complementary therapy? |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | ||
| No compulsory excess? | ||
| No compulsory co-payments for older pets? | Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | ||
| Dental treatment for accidents? | ||
| Behavioural treatment and complementary therapy? |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £15,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 9) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £12,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| 20% (from age 7) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
| Maximum vet fees | |
|---|---|
| £15,000 per year | £20,000 per year |
| Cover for pre-existing conditions? | |
| No compulsory excess? | |
| No compulsory co-payments for older pets? | |
| Min. 10% (from any age) | |
| Tailor limits per pet on a multi-pet policy? | |
| Dental treatment for accidents? | |
| Behavioural treatment and complementary therapy? | |
†For Lifetime policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petsure pet insurance, please read our policy wording.
When your pet is living with a health condition, the last thing you want to worry about is affording treatment if things get worse.
Having a comprehensive pet insurance policy can help reassure you that your pet has more care options if their symptoms worsen.
“Although you may have planned out how to manage existing costs for your pet’s condition, you never know when things may take a turn.
That’s why it helps to know that you have insurance which can cover you if your pet’s health worsens. So you can focus on taking care of them, not stressing about how to pay a costly vet bill.”
Allie Simpson – Pet insurance specialist and dog mum
Keep your pets happy and healthy with unlimited access to an experienced UK-registered vet 24/7 with FirstVet when you join Petsure.
Our pet insurance has a Defaqto 5 star rating when you choose vet fees over £4k with all optional extras included.
When getting a quote, you’ll need to let us know about any symptoms or conditions your pet has developed within the last two years.
Not declaring your pet’s conditions could mean your cover may be invalidated if you needed to make a claim.
So if you’re ever unsure whether your pet has a pre-existing condition, ask your vet to check their health record.
As part of our claims process, we get in touch directly with your vet for more information about your pet’s health.
Your vet will let us know about any symptoms or conditions that show on your pet’s medical history. If these are recorded before your policy start date and within the last two years, they’re classed as a pre-exiting condition.
While you can switch your pet insurance over to another provider, they may not cover your pet’s pre-existing conditions.
Research carefully and check the policy wording for each insurer to see if there’s any restrictions if they do offer pre-existing conditions cover.
If you’re switching across from another lifetime pet insurer, your pet could be covered immediately. To be eligible for continuous cover, you need to:
If you’re not switching with continuous cover, you can claim for new illnesses and symptoms after 14 days and for accidents after 2 days once your policy starts.
How much you’ll pay for your pet’s pre-existing conditions cover varies depending on different things, including:
Yes, we do! You could get pet insurance if you’ve got an older cat or dog with an existing illness or injury.
Lots of insurers may make you pay mandatory contributions (known as co-payments) on top of your excess when your pet gets to a certain age – but not us.
You get to choose how much you want to pay for your excess and voluntary bill share when you set up your pet insurance.
Yes, allergies would be seen as a pre-existing condition if your pet has shown symptoms or been diagnosed within the last 24 months.
They may be having ongoing tests, medication or treatment to deal with their allergies.
We hope your pet will live a long and healthy life but understand that you may want some peace of mind should the worst happen.
You can choose to add Farewell cover as an optional extra to your Petsure policy. This covers you if your pet dies or must be put to sleep by a vet due to accidental injury or illness.
You’ll get up to £250 towards the cost of:
Learn how to keep your pet happy and healthy with guidance from expert vets and behaviourists.
Find out why pet insurance is worth it to cover the cost of vet bills over your pet’s lifetime, plus how to pick the best type of insurance for your pet.
The UK’s most common pet health queries
From panting dogs to sleepy cats, our latest study explores the most common Google search questions about dog and cat health in the UK.
How to make your pet’s visit to the vet less stressful
If your best pet pal gets nervous seeing the vet, you’re not alone. Expert vet Dr Scott Miller shares his top tips for making visits less stressful.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.
