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Pet Insurance

What factors will influence the cost of my pet insurance?

These can include but are not limited to:


  • The breed of your pet because some breeds are more susceptible to certain medical conditions than others. For example, breeds which tend to be large are generally more prone to bone and joint problems
  • The age of your pet because, just like people, older animals are more likely to suffer from medical problems such as heart and kidney diseases and arthritis.
  • The area you live in. This can influence the cost of vet fees - one of the main reasons people claim on their pet insurance.

I have been meaning to increase my pet ins, at the moment I'm on the standard cover, but the younger dog has developed a lipoma, would it be possible to increase the existing insurance or is this asking too much? Thanks

Hi Pat27


Thanks for your post. 


Unfortunately your policy can't be amended mid-term, but this is something that we may be able to look at for you upon renewal of your policy.


If your policy is within the renewal period please call 0345 078 3872 so our pet team can look to assist you. Our UK-based contact centre is here to help. We are open Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-5pm.




My 2 pets will be moving to my girlfriends address.Do I need to let you know, they will remain my pets they will just be at a different address to me.

Hi @grungernut, we will need some more information with regards to your pets move to see if this has any impact on your policy. Please call us on 0345 078 3872 open Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-5pm. 


Thinking of taking out one of your policies .It doesn't mention under 3rd party liability what happens if your dog bites anither dog or is this covered under the word 'property' of someone else ?



Hi @Rosiek, a claim would be made under the 'Third Party Liability' section of the policy should your dog bite or attack another dog as you’ve mentioned above. If you would like to see the entire policy booklet you can do so in the following link , or give us a call on 0345 078 3878 line are open Mon - Fri: 8am - 8pm, Sat: 9am - 5pm and Sun: 10am - 5pm

My kittens are too young to be neutered but will be when they're old enough. Does ticking that they're not neutered impact on the quote provided? 

Hi @Laura_M, thanks for getting in touch. If you were to take out a policy with us to cover your kittens, we'd need all the information as of today's date, so if the kittens aren't neutered, we'd need to know that. Once they have been neutered though, you can call us and we can amend your policy to reflect the change. 



The number to call 0345 078 3895, available Mon - Fri: 8am - 8pm, Sat: 9am - 5pm and Sun: 10am - 5pm.

I have premier cover due to start on 26th July, the cover states that dental is included providing that the pet has had a dental check up and any work advised has been carried out. How is this proved? I am currently abroad in Cyprus with my pet until we move back when my cover starts in England-would a dental check up abroad be accepted if further down the line he developed dental problems?

Hi @Jess_Arthey, thanks for getting in touch. If you were to get the dental checks done in the UK, we would be able to accept a letter from the vet as proof. This would have to be from a UK vet though, we wouldn’t be able to accept overseas letters as part of your premier cover I'm afraid.