Dog Insurance

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Puppy asleep on blanket on sofa at home

Getting a new dog or puppy is a very exciting time, with lots to think about from choosing the right diet, starting their training and understanding their needs. It’s also important to consider pet insurance and which policy might be best for you and your pet.

Finding the right insurance cover can help make sure they always get the healthcare they need should the unexpected happen.

Our Insurance Types

  1. Lifetime

    Our most comprehensive policy

    Insure new ongoing conditions for life, with three levels available, covering vet’s fees up to £2,000, £4,000 and £10,000, reinstated annually.

    Lifetime cover overview
  2. Time Limited

    Covers each illness or injury for up to 12 months

    Choose between £2,000 or £5,000 cover for each new illness or injury. Cover is for either 12 months from the first treatment date, or up to a limit you choose.

    Time Limited cover overview
  3. Accident Only

    Looking out for those little mishaps but also you

    Cover your pet for up to £2,500 of your pet’s treatment for each new accident. Accident Only does does not provide cover for any pet illnesses.

    Accident Only cover overview
  4. Multi-pet discount

    Get 10% off two or more pets you insure with us

    Got more paws around the house than you can shake a stick at? Save 10% on every pet you insure with us T&Cs apply.

Why choose Asda Pet Insurance?

  • Asda logo

    The Asda advantage

    Known for putting value for money at the centre of everything we do

  • Handshake Icon

    You're in control

    You can choose your policy cover as well as your excess terms, so you can get the cover your pet needs at a price that suits you

  • Diamond Icon

    Asda service, Asda value, expert providers

    An insurance offer that's best for you and your circumstances

What is dog insurance?

Whether you have a new puppy or an adult dog, dog and puppy insurance works in the same way as any pet insurance plan designed to cover your pet for unexpected vet bills from accidents and illnesses. Dog insurance can help to cover the costs, where otherwise you might have to pay for treatment yourself, so it can be a dog insurance can really be worth it.

What does dog insurance cover?

What your dog insurance policy covers will depend on the type and level of cover you choose. There are several options to choose from, including Lifetime, 12 Months, and Accident Only, each with different prices and levels of cover for vet bills.

You should always carefully check that any pet insurance policy reflects you and your dogs’ needs. Here are a few things to think about when choosing the best dog insurance to suit you and your pet:

  • Your puppy must be at least 8 weeks old when your insurance policy starts. Puppy insurance plans are based on the age of your puppy and premiums will go up as they get older.
  • Check the insurance covers the breed of your puppy. We don’t cover certain breeds and crossbreeds, including those in the Dangerous Dogs Act 1991.
  • Insurance for puppies and dogs should include Third Party Liability cover, which covers you if your dog damages someone else’s property or causes injury.
  • The premium for your pet insurance will increase as your puppy gets older.
  • Routine veterinary visits or vaccinations aren’t usually covered by pet insurance so you will be responsible for paying for these for your pet.

Our types of dog insurance:


A lifetime pet insurance policy will help you pay the vet bills up to the cover limit of the policy you’ve chosen. Our cover offers five levels to choose from to cover vet bills up to £2,000, £4,000, £6,000, £8000 or £10,000. Lifetime cover is subject to your policy remaining in force, premiums kept up to date and the insurer offering renewal. Limits may apply for specific conditions. Find out more about Lifetime pet insurance.

12 Months

This provides up to 12 months’ cover for your dog for each new accident or illness, up to the limit the policy allows. Find out more about 12 Month pet insurance.

Caring for your dog

If you’re thinking about getting a puppy or a dog and want some guidance on caring for your new bundle of joy, or you’re already a dog owner and are always looking for some good care and training tips, take a look at our guide.

A quick ‘paws’ for thought…

With pet insurance, as part of the cost, your premium will increase each year at renewal as your pet gets older. We’ll limit the amount it goes up by, but your renewal price will also be impacted by:

  • Any claims you make – this could significantly increase your premium
  • Rising vet fees
  • Insurance Premium Tax increasing
  • Changes you make to your policy
  • Changes we make to our pricing

You can, of course, shop around at renewal. Just bear in mind that any existing conditions your pet’s developed, whether diagnosed or not, may not be covered elsewhere.

Top Pet Insurance FAQs:

Is my pet covered for pre-existing conditions?

Pre-existing conditions are not covered. Like most policies from other providers, your Asda Pet Insurance policy will not cover any medical condition or symptoms that your pet had before the start date of your policy or any that occur during the first 14 days of your insurance cover.

How do I claim?

If you need to get in touch with us to make a claim on your pet insurance policy, please find the details on how to do so on our contact us page.

Additional FAQs

How much is pet insurance for a puppy?

Pet insurance for your new puppy will depend on the exact type of cover you decide to invest in. Choose from our Lifetime, 12 Months or Accident Only cover for your puppy and cater your policy to suit yours and your pet’s individual needs. The cost for each policy will vary according to the levels and types you choose, for example our Lifetime cover costs ranges from £2,000 to £10,000 depending on the specifics you choose.

What age can you insure a puppy?

Here at Asda Money, your puppy will be eligible for our dog insurance policies once they are 8 weeks old, similar to what many other insurers offer.

When should I insure my puppy?

Getting your pet insured as early as possible is a sensible move. Our dog insurance policies provide cover and protection for your puppy as soon as they’re 8 weeks old which gives you enough time to get them acclimated to their new home and other important things you may need to take care of.

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