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 LifetimeFlex policy 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 LifetimeFlex policy down for you:

What cover do our policies include?

MiPet Cover Benefit
LifetimeFlex £2k & £4k
LifetimeFlex £6k & £8k
LifetimeFlex £10k & £12k
Product type
Lifetime per year
Lifetime per year
Lifetime per year
Vet’s fees Choose from
£2,000 or £4,000
per year
£6,000 or £8,000
per year
£10,000 or £12,000
per year
Including complementary therapies up to
£1,000
per year
£1,500
per year
£2,000
per year
Fixed excess Per condition, per year
Choose between
£100-£200
Choose between
£100-£200
Choose between
£100-£200
Optional* variable excess Payable in addition to the fixed excess. *Once added, it cannot be removed for the lifetime of the policy. Variable excess is compulsory for dogs 6 years+ and cats 8 years+.
10%
10%
10%
Death from illness (max age 8)
£1,000
£1,500
£2,000
Death from accident
£1,000
£1,500
£2,000
Advertising
£750
£1,000
£2,000
Reward
£500
£750
£1,000
Loss by theft/straying
£1,000
£1,500
£2,000
Boarding & kennel fees
£750
£1,500
£2,000
Third party liability (Dogs Only)
£1M
£2M
£3M
Holiday cancellation
£1,000
£1,500
£2,000
Quarantine costs
£500
£750
£1,500
Loss of pet passport
£250
£250
£250
Emergency expenses abroad
£500
£750
£1,000
Repeat tick and Worming (If you're delayed returning to the UK)
£500
£750
£1,000
Helplines
Download policy document details

Our policies

LifetimeFlex

365Flex

WalkawayCover

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Lifetime pet insurance to suit your pet’s needs and your budget

Our most comprehensive cover

This is our lifetime package of protection. It provides your pet with lifelong cover for ongoing illnesses and injuries. In addition to the bundle of benefits on offer, you can  flex your vet fee cover between £2,000 and £12,000. A lifetime policy to suit your needs and your budget.

Our LifetimeFlex cover includes:

  • a choice of veterinary fee cover between £2,000 to £12,000, reinstated each year
  • Complementary treatment as recommended by your vet
  • Additional benefits including third party liability cover (dogs only), advertising & reward, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad, and many more

Perfect for pet owners looking for comprehensive lifetime cover.

365Flex: Pet insurance that offers cover for 12 months

Our 12-month policy

Our 365Flex policy 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.

Our 365Flex cover includes:

  • Veterinary fee cover of £2,500 or £5,000 per condition, for 12 months
  • Complementary treatment recommended by your vet
  • Additional benefits including £1 million of third party liability cover (dogs only), advertising & reward, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad and many more

For a more comprehensive policy that covers ongoing conditions, such as arthritis or diabetes, please see our LifetimeFlex policies.

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

WalkawayCover: Four weeks’ free pet insurance, especially for puppies and kittens

Our free cover for new puppies and kittens

Our WalkawayCover offers you peace of mind that your new puppy or kitten is covered in their early days. Getting started is easy. If your cat or dog is between eight weeks and one year old, book an appointment at your local CVS veterinary practice for a health check.

If your pet is eligible*, cover begins straight away and you’ll have four weeks of free access to our WalkawayCover policy benefits:

  • Veterinary fee cover of £500 which can be ‘topped up**’
  • Pet helplines available round the clock to support you with counselling and offer you advice on pet legal matters
  • Additional benefits including £1 million of third party liability cover (dogs only), advertising & reward, boarding and kennel fees cover, emergency treatment abroad and access to pet helplines

Perfect for new puppy and kitten owners looking for peace of mind in the early days.

*Free WalkawayCover is subject to a CVS veterinary health check. WalkawayCover is for illness with 24 hours exclusion for accidents. Not all breeds of dog are eligible. **If you need to make a claim during the four week period and need further veterinary fee cover, you have the choice to purchase a LifetimeFlex or 365Flex to do so. This must be arranged within 72 hours of treatment commencing or there will not be any additional cover available.

View 365Flex and LifetimeFlex365Flex & LifetimeFlex View WalkawayCoverWalkawayCover

What’s right for my pet?

We have two types of cover you can choose from.

Our 365Flex policy covers your pet for 12 months for up to £2,500 or £5,000 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 either £2,500 or £5,000.

Our other type of pet insurance cover is LifetimeFlex, which is much more comprehensive. This lifetime pet insurance comes with a choice of vet fee cover from £2,000 to £12,000 per year. Our LifetimeFlex policies give a fixed amount of money each year to cover all of your pet’s veterinary treatment. As long as your pet insurance policy remains active, your premiums are paid up to date and the insurer invites renewal, there’s 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 online 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