Dog insurance
3 levels of cover designed with our best friends in mind

Dog insurance and puppy Insurance from Covermy Pet

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 hundreds or thousands of pounds.

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.

How many dog insurance policies do you have?

We’ve got 3 main insurances, Lifetime, Time Limited and Maximum Benefit that’ll help you pay for any unexpected vet treatment your dog needs – and it’s quick and easy to get set up.

Plus, all of our dog insurance customers get free UK video vet calls, 24/7.

Dog Insurance

What our Dog insurance covers

Puppy Insurance

Dog Insurance - Our types of policy

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 because different people need different needs for a policy. Please see our policy comparison table below, to see the different cover options available

Lifetime dog insurance for example is considered the most comprehensive level of pet insurance. Lifetime will provide cover for ongoing conditions for the duration of the pets life as long as the policy is renewed. CMP levels of cover for £2,000, £5,000 and £10,000 limit on veterinary fees. This is essentially a pot of money, any vet fees you claim for during the policy years comes out of this pot and the pot refills when you renew.

Time limited dog insurance policies have a limit per condition and a limit on how long you can claim for a particular condition, whichever of these limits are reach first would mean that the condition would be excluded moving forward. With Cover My Pet we cover up to £3,000 or 12 months per condition, this can be split over 2 policy years if required (6 months from one and 6 months from another for example).

Max Benefit Dog Insurance provides a limit per condition, but no time limit on how long the condition can be claimed for as long as you continue to renew your policy.  Cover My Pet offer up to £4,000 per condition, once the £4,000 limit is reached the condition would be excluded moving forward.

Pet Comparison Table


£ 7
  • Offers continuous cover against accidents and illnesses while the policy is active.
  • The annual policy limit is refreshed when you renew the policy
  • As with other policies, pre existing conditions may no longer be covered if you change provider
  • Cover from 8 weeks old

Time Limited

£ 6
  • 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

£ 6
  • 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

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 in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.

Pet Insurance

A flexible range of Dog Insurance covers

Pay monthly, with no interest

24hr Vet Video cover

3 flexible levels of cover

Friendly UK based call centre

Is your dog covered for vet bills ?


Average vet bill
£594 - £1369

Skin Allergies

Average vet bill
£594 - £701

Ligament/ tendon injuries

Average vet bill

Otitis/ ear infections

Average vet bill


Average vet bill

Dog Insurance Cover at a glance

Time limited Maximum Benefit Lifetime
Vets Fees £3000 or up to 365 days per condition, whichever occurs sooner £4,000 per condition £2,000 £3,000 £4,000 £5,000 £7,500 £10,000
Diagnostic cap (CT and MRI's) £1,500 £1,500 £1,500 £1,500 £1,500 £1,500 £2,000 £2,000
Cruciate Limit Cap £1,500 £1,500 £1,500 £1,500 £1,500 £2,000 £2,500 £2,500
Complementary Treatment £250 £500 £500 £500 £500 £750 £1,000 £1,000
Death from Illness or Accident £500 £500 £750 £1,000 £1,000 £1,000 £1,000 £1,000
Third Party Liability (dog only) £1,000,000 £1,000,000 £1,000,000 £1,000,000 £1,000,000 £2,000,000 £2,000,000 £2,000,000
Third Party Liability Excess £250 £250 £250 £250 £250 £250 £250 £250
Holiday Cancellation £1,500 £1,500 £1,500 £1,500 £1,500 £2,000 £2,500 £2,500
Theft or Straying £500 £500 £750 £1,000 £1,000 £1,000 £1,000 £1,000
Claims payment

Claims as easy to understand as 'paw'

We’ll provide a clear brakdown of your claim payment and how this will be paid so you can get back to teaching your new pet tricks as quickly as possible.

pet insurance bill

What our customers are saying

Dog Insurance FAQ

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 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 0333 0096721 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

Claims Handler Phone Number

03330 096721

Claim email:

Pet Claim Form

Included with your policy

CoverMy has partnered with First Vet to provide free video consultations to it's insurance customers

First Vet
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