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Pet insurance
We offer lifetime cover policies for your pet. We'll be there to support you, year after year.
The benefits of Policy Expert pet insurance
Lifetime cover for your pet
Lifetime protection means we're here for your pet at every stage of their life.
You're in good company
We're trusted by over 1.6 million customers.*
What is pet insurance?
Pet insurance is there to cover your pet in the event of an accident or illness, and to help you manage the costs associated with veterinary care. We understand that pets are cherished members of the family, and their health is a top priority.
Our pet insurance policies aim to provide peace of mind by covering unexpected medical expenses for your furry companions.
What does pet insurance cover?
It’s important to note that coverage varies depending on the specific policy you choose.  |  |  | |
|---|---|---|---|
| Treatments | |||
| Vet fees | up to £4,000 | up to £7,500 | up to £15,000 |
| Complementary treatment |  | £1,000 £1K | £2,000 £2K |
| Behavioural treatment | | £1,000 £1K | £1,000 £1K |
| Dental care | | £2,000 £2K accident only | £2,000 £2K accident & illness |
| Liability (dogs only) | |||
| Third party liability | £500,000 £500K | £1,000,000 £1M | £2,000,000 £2M |
| Other covers | |||
| Emergency boarding/minding | | Up to £600 | Up to £1,200 |
| Missing pet | |  | |
| Holiday cover | | Optional | |
| Farewall cover | | Optional | Optional |
| Other features | |||
| 24hr vet advice line | | | |
| Pet loss support services | | | |
Our insurance services across Policy Expert are rated excellent on Trustpilot
Policy wording
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Here's something that might surprise you:
From the pet insurance claims we handle each year, the most common aren't what you'd expect.
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Foreign objects swallowed by curious pets is the most common pet claim we see.
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Diarrhoea, vomiting, spinal conditions and fractures are the second most common types of pet claim.
We know pets inside out, which is why you can trust us with their cover.
Why do I need pet insurance?
Pet insurance helps make sure your pet gets the right care at the right time, without unexpected costs catching you off guard.
We know your pet is part of the family. That's why we're here for you whenever you need us. From curious cats to unpredictable pups, we've got you covered with 24/7 advice and out-of-hours support.
What isn’t covered by pet insurance?
While pet insurance provides comprehensive coverage, there are some exclusions to be aware of:
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Pre-existing conditions.
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Neutering.
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Routine check-ups and vaccinations.
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Cosmetic procedures.
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Breeding costs.
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Claims for illness within the first 14 days of cover.
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Always review your policy details carefully to understand the specific exclusions.
Our types of pet insurance policies
Your best friend deserves the finest. That's why we only offer lifetime cover, to help give you complete peace of mind. Specific policies include:
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Dog insurance
Whether you've got a bouncy Labrador puppy or a loyal Cocker Spaniel, life seems wonderful until you need to make a claim. That's when the details really matter. Understanding what your cover includes can save you a lot of worry when your four-legged friend needs help.
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Cat insurance
Cats have a knack for landing on their feet, but that doesn’t mean they’re immune to life’s little surprises. Whether you’ve got a dignified British Shorthair lounging on your sofa or a curious Domestic Shorthair exploring every nook and cranny, cat insurance can save you from unexpected vet bills that’ll make your whiskers twitch.
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Multi pet cover
Multi pet insurance means all your furry friends get their own cover, neatly bundled together in one easy-to-manage account. No more juggling different insurers for your cat or dog. Everything's in one place online, so you can spend less time on admin and more time on cuddles.
Policy Expert and Blue Cross Partnership
We’re pleased to introduce our partnership with Blue Cross, one of the UK’s leading animal welfare charities. This collaboration brings together Policy Expert’s insurance expertise with Blue Cross’s century-long commitment to helping sick, injured, and abandoned pets across the country.
This partnership reflects our commitment to responsible pet ownership, which starts with proper protection for unexpected vet bills and extends to supporting organisations that help pets in need.
Our pet insurance expert says...
“Lifetime pet insurance means your pet stays protected. Unlike other policies, lifetime cover doesn't expire – it continues to cover ongoing conditions for as long as you renew. With vet costs rising, it gives you peace of mind that your pet can get the treatment they need, throughout their life.”
Linda Crichton, Chief Service and Operations Officer
Policy Expert customer experiences
Very pleased with the pet policy quote
Very pleased with the pet policy quote, all my questions answered, our puppy is very precious to us and we now have peace of mind his health will be cared for in the future.
Michael, March 2026
Absolutely excellent experience
Absolutely excellent experience of taking out our pet policy. Everything was explained well and options offered to suit your pocket.
Lynn, February 2026
Very helpful and informative about getting new pet insurance
Spoke with Amy she was very helpful and informative about getting new pet insurance for our Tibetan terrier and ended up saving lots of money compared to our original provider.
Customer, February 2026
Our insurance services are rated excellent on
Trustpilot April 2026
What you need to get a pet insurance quote
Be prepared with the following details:
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Your pet's breed.
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If they have been neutered.
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Microchip status of your pet.
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Whether vaccinations are up to date.
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With this information, we can provide you with an accurate quote tailored to your pet’s needs.
How we calculate your pet insurance cost
Several factors influence the cost of pet insurance, including:
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Your pet’s age and breed.
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Your location.
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The level of cover you choose.
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Any optional extras you add to your policy.
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Your specific premium may vary based on the factors mentioned above.
FAQs
Will pet insurance cover neutering?
We do not cover routine procedures like neutering. These are typically considered preventative care and are the owner’s responsibility.
If I need to make a claim, can you pay my vet directly?
In some cases, we can pay your vet directly instead of reimbursing you later - we call these direct claims. We'll need to review your individual situation first as it depends on your specific policy terms and whether your vet is happy to accept direct payment. This option isn't guaranteed, but it can be especially useful for bigger bills. Contact us for more info.
What is Co-payment?
Co-payment (also called co-insurance) means you pay a percentage of each claim and we pay the rest. This can reduce your premium, but you'll share the cost when you claim. As your pet gets older, co-payments are required to keep your cover affordable.
How do vaccinations affect pet insurance?
Keeping your pet up-to-date with vaccinations is crucial. At Policy Expert, we require pets to be vaccinated against common diseases. Failure to do so could result in claims being rejected. For more information, check out our guides on dog and puppy vaccinations and kitten and cat vaccinations.
Can I get instant cover for my pet?
You can purchase cover to start immediately. However, there is a waiting period before claiming – 14 days for illness cover and 48 hours for accident cover.
Which dog breeds will you not cover?
While we strive to offer coverage for as many breeds as possible, some high-risk or legally restricted breeds may not be eligible for insurance. Always check with us directly for the most up-to-date information on breed restrictions.
Does my pet’s age affect pet insurance?
Age impacts what you'll pay and what cover you can get. As pets age, health problems become more common, so costs rise. It's important to know that past a certain age, co-payments are required – you'll contribute a percentage to each claim.
How does my address affect pet insurance?
Vet costs vary across the UK, so your location plays a part in your premium.
Explore our guides and expert tips
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