Choosing the right pet cover

Our pet insurance policies are all designed with your pet in mind. But, like their owners, every pet’s needs are different.

To help you pick the right pet cover, we’ve broken our policies down for you:

Choosing the right pet cover

Our pet insurance policies are all designed with your pet in mind. But, like their owners, every pet’s needs are different.

To help you pick the right pet cover, we’ve broken our policies down for you:

What cover do our policies include?

MiPet Cover Benefit
Annual
Essential Life
Classic Life
Premier Life
Product type
12 month
Lifetime per year
Lifetime per year
Lifetime per year
Vet’s fees (Per condition)
£3,500
per condition
£4,500
per year
£7,500
per year
£12,000
per year
Defaqto 5 Star Rating
Including complementary therapies up to
£500 per condition
£1,000 per year
£1,000 per year
£2,000 per year
Fixed excess (Per condition, per year)
£85
£85
£85
£85
Variable excess (Per condition, per year. Dogs age 6+, Cats 8+)
10%
10%
10%
10%
Death from illness (Max age 8)
£1,000
£1,500
£1,500
£2,000
Death from accident
£1,000
£1,500
£1,500
£2,000
Advertising
£250
£500
£750
£1,000
Reward
£1,000
£1,000
£1,000
£1,000
Loss by theft
£1,000
£1,500
£1,500
£2,000
Boarding and kennel fees
£1,250
£1,500
£1,750
£2,000
Third party liability (Dogs only)
£1M
£2M
£2M
£3M
Holiday cancellation
£1,250
£1,500
£1,750
£2,000
Quarantine costs
£500
£1,000
£1,000
£1,500
Loss of pet passport
£250
£250
£250
£250
Emergency expenses abroad
£250
£500
£750
£1,000
Repeat tick and worming
£250
£500
£750
£1,000
Helplines
Download policy document details

Our policies

Annual

Essential Life

Classic Life

Premier Life

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Annual policy

Our annual cover provides 12 months’ cover for the cost of treatment for accidents and illnesses. As our most economically priced policy, it’s a great place to start if you’re looking to keep the cost down in the short term.

Annual cover includes:

  • Veterinary fee cover of up to £3,500 per condition, for 12 months
  • Complementary treatment recommended by your vet
  • Additional benefits including £1 million of third party liability cover, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad, and many more benefits

Perfect for pet owners who want reassurance or help with the unexpected treatment for their pet.

Essential Life policy

A lifetime policy is the best way to insure against ongoing illnesses before and after they occur. But, lifetime cover doesn’t have to come with an expensive price tag.

Our 5 Star rated Essential Life cover includes:

  • Veterinary fee cover of up to £4,500, reinstated each year
  • Complementary treatment recommended by your vet
  • Additional benefits including £2 million of third party liability cover, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad, and many more exclusive benefits

Perfect for pet owners looking for a more affordable level of lifetime cover.

Classic Life policy

Classic life is one of our flagship policies to cover the cost of ongoing illnesses and injuries. In addition to the features in our Essential life policy, there are a number of special benefits included in this level of cover.

Our 5 Star rated Classic Life cover includes:

  • Veterinary fee cover of up to £7,500, reinstated each year
  • Complementary treatment recommended by your vet
  • Additional benefits including £2 million of third party liability cover, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad, and many more exclusive benefits

Perfect for pet owners looking for a more affordable level of lifetime cover.

Premier Life policy

This is our most extensive package of protection. It provides you and your pet with our highest level of cover for ongoing illnesses and injuries. In addition to the features in our Classic life policy, there are a number of unique benefits included in this level of cover.

Our 5 Star rated Premier Life cover includes:

  • Veterinary fee cover of up to £12,000, reinstated each year
  • Complementary treatment recommended by your vet
  • Additional unique benefits including £3 million of third party liability cover, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad,and many more exclusive benefits

Perfect for pet owners looking for a premium lifetime policy.

View policy for dogsPolicy for dogs View policy for catsPolicy for cats

What’s right for me?

We have two types of cover you can choose from. Our Annual policy covers your pet for 12 months for up to £3,500 per condition. However, this is what we call a “time-limited” policy. That means if your pet suffers an illness or accident, you can claim for several treatments related to that incident for up to 12 months from when it originally occurred to a maximum of £3,500.

Our other type of pet insurance cover is Lifetime, which is much more comprehensive. Depending what level of cover you go with, our Lifetime policies give a fixed amount of money each year to cover all veterinary treatment. So, as long as your policy remains active, your premiums are paid up to date, and the insurer invites renewal, there is no limit on how long you can claim for each illness or injury.

Get your quote

We only want the best for our customers and their pets. Using our simple system, you can get a pet insurance quote instantly. All we need from you are a few details about you and your pet, and your cover can start as soon you like.

Get a quote now Retrieve a quote

Need more information?

Not sure? Contact us. We’re always happy to help you find the right cover for your pet.

Call 0808 164 8000