Pet insurance Cover levels designed with our best friends in mind!


Pet Insurance from Covermy. We believe that pets deserve the best care and treatment, to get them back on the mend should the unexpected happen.

Our Pet Insurance policies and exceptional customer service have been designed to make pet insurance for cats and dogs straightforward, making life better for our customers, and their pets.


£ 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

Policies explained

Our Lifetime Pet Insurance policy provides cover for costs incurred from Accidental Injury and Conditions, and could cover ongoing Illnesses over a number of years as long as the policy remains in force.

While each policy has an annual limit for each Condition, this refreshes upon annual renewal and as long as the policy is continually renewed, exclusions will not be applied.

This means long-term Illnesses will be covered as long as you keep your policy live, even if the Illness spans a number of years.

Your Time Limited cover has two limits:

A time limit for how long you can claim for each Accidental Injury or Illness; and
A monetary limit for how much we will pay for each Accidental Injury or Illness (this is called the maximum benefit).

We will keep paying for an Accidental Injury or Illness until one of these limits has been reached.

Maximum Benefit pet insurance from Covermy. These can sometimes be referred to as per condition or money limited. The policy will provide a maximum amount of money (maximum benefit) to cover the cost of treatment for each Accidental Injury or Illness that your pet may suffer.

Each Accidental Injury or Illness is covered until the maximum benefit has been exhausted for that condition, as long as your policy remains in force. There is no time limit on reaching this maximum benefit, however once the full amount has been exhausted, the treatment of Accidental Injury or for that condition will not be covered again.

Time limited Maximum Benefit Lifetime
Vets Fees £3,000 £4,000 £2,000 £5,000 £10,000
Diagnostic cap (CT and MRI’s) £1,500 £1,500 £1,500 £1,500 £2,000
Cruciate Limit Cap £1,500 £1,500 £1,500 £2,000 £2,500
Complementary Treatment £250 £500 £500 £750 £1,000
Death from Illness or Accident £500 £500 £750 £1,000 £1,000
Third Party Liability (dog only) £1,000,000 £1,000,000 £1,000,000 £2,000,000 £2,000,000
Third Party Liability Excess £250 £250 £250 £250 £250
Holiday Cancellation £1,500 £1,500 £1,500 £2,000 £2,500
Theft or Straying £500 £500 £750 £1,000 £1,000

Included for FREE

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

First Vet

FREE consultations, 24 hours a day

Independent diagnosis, advice, or referral to a local clinic.

Available on any mobile device or tablet.

What our Pet
insurance covers

Vet fees


Third party liability


Holiday Cancellation


Theft and straying

Complementary Treatment


Death from accident

Death from illness

* up to

Claim 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.

Is your pet covered for vet bills?

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 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

Pet Insurance Dog
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