Dog Insurance

Dog Insurance

Having reliable pet insurance from a company you can trust, helps you to make sure your dog receives the best care possible.

From
£5.72

It can be an incredibly stressful and worrying time, when something happens to your dog. On top of the emotions involved, if they suddenly become ill or injured, an emergency trip to the vet can sometimes cost thousands of pounds. And not everyone has this money to hand.

As much as we don’t like to think about it, pets are just as susceptible to illness and injury as we are. Having reliable pet insurance from a company you can trust, helps you to make sure your dog receives the best care possible. We’ve got various cover that’ll help you pay for any unexpected vet treatment your dog needs – and it’s quick and easy to get set up.

A flexible range of cover

Pay monthly, with no interest

Flexible excess options

3 flexible levels of cover

Friendly UK based call centre

Trusted service with support you can rely on

Trusted service with support you can rely on

Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.

Quickly settled claims

Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.

Save yourself unforeseen costs

According to the Association of British Insurers, the cost of the average pet insurance claim is £757, more than twice the average annual premium for dogs and over three times that for cats. The number of claims has risen by 10% from 2016 to 2017 – but still 67% of dogs and 84% of cats remain uninsured.

Flexible levels of cover

Our 3 types of cover provide you and your dog with a flexible choice of protection that can suit your budget and the appropriate care for your dog. Please see our policy comparison table below, to see the different cover options available

Pet Comparison Table

Time Limited

from
£5.72 / month
  • Cover for accidents, illnesses and conditions for 365 days or until the condition limit is reached.
  • Upon renewing the policy, cover for eligible conditions continues.
  • Cover from 8 weeks old

Maximum Benefit

from
£5.92 / month
  • Cover for accidents, illnesses and conditions up to the specified cover limit, while the policy is active.
  • When a condition’s claim limit is reached, you will not be able to claim for that condition again.
  • Cover from 8 weeks old

Cover at a glance

 Lifetime PolicyTime LimitedMaximum Benefit
Vet FeesUp to £10,000£3000 or up to 365 days per condition, whichever occurs sooner£4,000 per condition
Third party liabilityYesYesYes
Diagnostic Limit (CRI and MRI's)YesYesYes
Death from AccidentYesYesYes
Death from IllnessYesYesYes
Holiday cancellationYesYesYes
Emergency Vet feesYesYesYes
Complementary TreatmentYesYesYes
Theft and strayingYesYesYes
Get a quoteGet a quoteGet a quote

Trustpilot

Frequently Asked Questions

Lifetime, Maximum Benefit or Time Limited

This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.

This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.

This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner

Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.

Please contact The Insurance Factory on 03330096721 or email petclaims@insurancefactory.co.uk or visit the Cover My website to download a claim form

Yes, this can be arranged subject to agreement from your vet

You should contact the claim handler; The Insurance Factory on 03330096721 as soon as you think you may have a claim and they will let you know how to proceed

Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.

What is a % Excess?

This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.

  • Amount claimed £4,000
  • Excess Applying £90
  • Amount claimed less excess £3,910
  • Co Payment amount at 10% £391
  • Payment to Customer £3519

What is the excess amount?

For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.

For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)

For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%

Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes

Cover My Helphub

Customer Services number: 0800 980 5134

Claim Phone number: 03330 096721

Claim email: petclaims@insurancefactory.co.uk