We've created a comparison table so that you can pick the perfect cover for your pet without being baffled by pet insurance jargon.

This summary is only a brief guide to your cover and exclusions. Limitations and exclusions apply. For full details of what is and isn’t covered, please refer to the information in our Policy Documents.

  Features Accident only

12 Month
£2,000

12 Month
£5,000
Lifetime
£2,000
Lifetime
£4,000
Lifetime
£10,000
Vet's fees £2,500 per condition £2,000 per condition for 12 months only £5,000 per condition for 12 months only £2,000 per condition per year £4,000 per condition per year £10,000 per year
Cover for ongoing conditions No No No Yes Yes Yes
Complementary medicine £500 £500 £750 £1,000 £1,500 £1,500
CT/MRI scans and associated costs £1,000 £1,250 £1,500 £1,250 £1,500 £1,500
Cruciate ligament £1,250 £1,250 £1,500 £1,250 £1,500 £1,500
Death of pet from accident or illness* £350 - only covered if death due to accident £750 £1,000 £1,500 £2,000 £2,000
Advertising and reward No £250 £500 £750 £1,000 £1,000
Loss by theft or straying No £750 £1,000 £1,500 £2,000 £2,000
Holiday Cancellation No £750 £1,000 £1,500 £2,000 £2,000
Fixed excess (payable by you)

£75 per condition

£99 per condition £75 per condition £99 per condition per policy year £75 per condition per policy year £75 per condition per policy year
Additional 10% co-payment for pets aged 5 and over (the amount you pay towards the vet fee claim for each condition)  No No  No   Yes Yes Yes 
Third party legal liability excess (dogs only) £1m per claim £250 £250 £250 £250 £250 £250

An excess is applied to all levels of cover excluding pet funeral cremation, as per the table above. 

Pre-existing medical conditions are not covered. For pets aged 5 years and over, there's an additional 10% co-payment payable for each claim amount - please read our policy wording for full details.

*There is no benefit payable on the death of your pet when aged 8 or over. 

When making a claim you'll be covered up to the limits shown in the table above.

For more detail on any of our Pet Insurance policies, take a look at our policy documents.