Comprehensive pet insurance for your
cat or dog.

No extra charge for paying monthly - it's interest free

What Our Policies Cover

We offer four levels of cover for your cat or dog depending on your requirements and budget:

Crystal Cover

Crystal Cover is an affordable accident only cover for veterinary fees and third party liability only. We will cover veterinary fees up to the limit of £1,000 per condition, per policy year. We will also pay for specific alternative medicine.

Pearl Cover

Pearl Cover is a higher cover of veterinary fees with extra benefits. We will cover veterinary fees up to the limit of £2,000 per condition for 12 months from the date the condition is first treated. We will also cover boarding fees if you have to go into hospital and the cost of your pet if the worst happens and your pet dies. If you are going abroad and taking your pet with you, we cover up to £2,000 for overseas travel.

Ruby and Diamond Cover

Benefit Limits for veterinary fees apply per condition, per policy year. The additional benefit limits are increased and both Accidental Damage and Personal Accident are included.

  Crystal Pearl Ruby Diamond
Type of Cover Accident Only 12 Month ## Lifetime Lifetime
Veterinary Fees* £1,000 £2,000 £2,500 £4,000
Accident Cover* Yes Yes Yes Yes
Complementary Medicine* £300 £300 £300 £500
Special Diet* - £100 £100 £100
Illness Cover* No Yes Yes Yes
Cruciate Ligament* £500 £2,000 £2,500 £4,000
CT/MRI Scans and Associated Costs* £500 £750 £1,250 £1,250
Dentistry as a direct result of an accident/injury* £1,000 £2,000 £2,500 £4,000
Excess** £99 £99 £99 £99
Death of Pet*** £500 £500 £750 £1,000
Emergency Boarding and Daily Minding - £300 £450 £600
Holiday Cancellation Cover - £250 £500 £750
Loss by Theft or Straying - £500 £750 £1,000
Advertising & Reward - £200 £300 £400
Accidental Damage - - £125 £250
Personal Accident - - £125 £250
Third Party Legal Liability (Dogs Only) # £1,000,000 £1,000,000 £1,500,000 £2,000,000
Overseas Travel - £2,000 £2,000 £2,000
Current Documents
If you are an existing policy holder please contact us to request a copy of your policy documents
Policy Wording Policy Wording Policy Wording Policy Wording
  Insurance Product Information Document Insurance Product Information Document Insurance Product Information Document Insurance Product Information Document
  Fees and Charges


Subject to the policy remaining in force, premiums being paid up to the date and the insurer inviting renewal, there is no limit on how long you can claim for illness or injury.

* The Benefit Limits for Complementary Medicine, Special Diet, Cruciate Ligament, CT/MRI Scans and Associated Costs and Dentistry (where applicable) are included in the overall Benefit Limit for Veterinary Fees and are subject to one excess per Condition per Policy Period with the exception of Pearl cover which has one excess per Condition.

** An excess of £99 is deducted for each accident or illness claimed for during each policy period. For Pearl Cover, the excess is deducted once per Condition.

Once the pet has reached the age of 8, 15% of any treatment costs will be added to this. Any continuation claims for pets aged 8 years and over will also be subject to a 15% co-payment.

# A £250 excess is paid once per claim.

## Payments for Veterinary Fees are limited to costs incurred within 1 calendar year from the date the Condition is first treated or the maximum Benefit Limit, whichever is reached first and subject to renewal.

On policies where illness is covered, a 14 day waiting period applies to illness only.

For All levels of cover there is a 24 hour waiting period which applies to accidents only.

Please refer to the policy wording and Insurance Product Information Document for full details of cover.