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 pet insurance policies down for you:

Our policies

Explore our different policies to see which suits you and your pet best.

LifetimeFlex - Lifetime pet insurance - Logo

Perfect for pet owners looking for comprehensive, flexible, lifetime cover for their pets.

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365Flex annual pet insurance logo

12 months’ cover, perfect for owners who want help with unexpected treatments.

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WalkawayCover - Free puppy & kitten insurance - Logo

Four weeks’ free pet insurance for puppies and kittens. Peace of mind for new owners.

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Our insurance breakdown – benefits to consider

Choose from up to £12,000 in lifetime pet insurance cover

Vet fee cover get up to £12,000

Choose the level of lifetime vet fee cover that suits your pet’s needs, replenished every year you renew.

Up to £3 million in Third Party Liability (dogs only) - LifetimeFlex Lifetime pet insurance

Up to £3m third party liability

Cover to help with the legal side of things should your dog injure someone or cause damage to a third party’s property (dogs only).

Your lifetime pet insurance includes complementary therapy session

Complementary treatment

Cover for your pet to access complementary therapy sessions as advised by your veterinary professional. (Not WalkawayCover)

Holiday cancellation cover with your lifetime pet insurance

Holiday cancellation cover

If your pet became ill and you needed to cancel or cut short a planned holiday, you could recover your financial losses. (Not WalkawayCover)

Your lifetime pet insurance includes advertising and reward costs if your pet goes missing

Advertising & reward costs

We’ll help you with the costs of reuniting you with your lost pet for advertising and any rewards fees for their safe return

Your lifetime pet insurance includes access to 24/7 pet helplines

Pet helplines

You’ll get access to a number of pet helplines. Whether you need help with counselling or pet legal matters, we’re here to offer a helping paw.

Your lifetime pet cover includes boarding and kennel fees if you need to go to hospital for 4 days or more

Boarding & kennel fee cover

If you become unwell and staying in hospital for 4+ days, we’ll pay towards the costs of your pet minder, kennels or cattery. (Not WalkawayCover)

Your lifetime pet insurance includes Emergency treatment abroad

Emergency treatment abroad

We’ll help you with expenses (for things such as accommodation or transport) should your pet become ill or injured while you’re abroad. (Not WalkawayCover)

Insurance – benefits

With many options to choose from, we’ve broken it down for you so you can quickly
compare our pet insurance policy and benefits.

MiPet Cover Benefit
LifetimeFlex
LifetimeFlex
LifetimeFlex
365Flex £2.5k
365Flex £5k
Product type
Lifetime per year
Lifetime per year
Lifetime per year
12 Month
12 Month
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
£2,500
per condition
£5,000
per condition
Including complementary therapies up to
£1,000
per year
£1,500
per year
£2,000
per year
£250
per condition
£500
per condition
Fixed excess Per condition, per year
Choose between
£100-£200
Choose between
£100-£200
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%
10%
10%
Death from illness (max age 8)
£1,000
£1,500
£2,000
£500
£750
Death from accident
£1,000
£1,500
£2,000
£500
£750
Advertising
£750
£1,000
£2,000
£500
£750
Reward
£500
£750
£1,000
£500
£750
Loss by theft/straying
£1,000
£1,500
£2,000
£500
£750
Boarding & kennel fees
£750
£1,500
£2,000
£250
£500
Third party liability (Dogs Only)
£1M
£2M
£3M
£1M
£1M
Holiday cancellation
£1,000
£1,500
£2,000
£500
£750
Quarantine costs
£500
£750
£1,500
£250
£500
Loss of pet passport
£250
£250
£250
£250
£250
Emergency expenses abroad
£500
£750
£1,000
£250
£500
Repeat tick and Worming (If you're delayed returning to the UK)
£500
£750
£1,000
£250
£500
Helplines

Lifetime cover explained: New accidents and illnesses (conditions) are covered up to the specified financial limit in each policy term. If the limit is reached during the policy term, the cover stops until the policy is renewed. At the renewal date the limit is fully reinstated and the condition(s) will continue to be covered. This is subject to the insurer inviting the policy renewal and payment of premiums by the due date. No further cover will be provided beyond the cancellation or expiry date of the policy. Please be aware that you need to renew your policy each year for cover to remain in force. Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed. If your pet suffers an illness during the policy term you may find it difficult obtaining cover for these conditions from other providers.

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