A simples guide

Puppy Insurance

So cute! Let’s face it, puppies are hard to resist, and as a nation we’re certainly dog lovers. In fact we own over 6m of our canine friends!


Why do I need puppy insurance?

While your new bundle of joy might be bright eyed and bushy tailed, if he or she were to become ill or have an accident, things can get expensive quickly.

Vet bills are pricey to say the least and for many, having their puppy insured brings some peace of mind that if they do need medical help, it won’t break the bank.

Most insurers will insure a young dog from about eight weeks old, although in some cases it’s possible to start coverage from as young as six weeks.

There are a number of different types of policy available depending upon the type and level of cover you want.

paw prints

Types of puppy insurance

For puppies, and indeed dogs in general, there are four principal types of policy offered:

Accident only

Accident only insurance provides cover for vet fees in the event of an unexpected injury and within the 12 month policy period. For example, of your pet became ill in month 11 of your policy, you would be covered for 12 months from that date.

- Time Limited

Under this type of policy, each new condition is covered up to the financial limit for 12 months. If the limit is reached inside the 12 month period, the insurance will stop paying for that condition.

- Max Benefit cover

Under max benefit, each new condition is covered up to the financial limit and as long as the insurance policy remains in place, there is no time limit on your claim. Once the financial limit is reached however, the condition is defined as ‘pre-existing’ and is excluded from future claims.

- Lifetime cover

Lifetime is the most comprehensive of pet insurance policies. All new medical conditions are covered up to the financial limit. If the limit is reached then coverage stops until the policy is renewed. At renewal the limit is reinstated even on existing conditions and continues for the following year.

What does the insurance cover?

It’s important to start by saying that puppy insurance policies may differ from each other. In some policies items are included where in others, they aren’t. Limits can also vary too.

It is therefore important to check the terms and conditions to be sure you have the right level of cover you need.

Remember, your puppy insurance policy will cover medical expenses but it won't cover routine visits to the vet or vaccinations or neutering.

The types of costs that can be insured against include:

Vet Bills – These are the obvious and most important feature of a policy. With some pedigree dogs there is the chance of hereditary conditions. Talk to your vet and insurer to make sure you are covered for any conditions that may be likely occur.

Death by accident or illness - Though you certainly won’t be considering this with your young pup, if the worst were to happen  you could get back what you paid for it or what it could have sold for.

Kennel fees - In the event that you are hospitalised and no one else can look after your puppy, this cover will pay for the use of a kennels. There are usually restrictions involving you being in hospital for a period of time in order for the cover to apply.

Third Party Liability - Third party liability covers you in the event your puppy injures someone or causes damage to someone’s property. Granted, he or she might look a bit too small and cuddly to do that now, but bouncy young dogs can be a bit boisterous and careless!

Dental cover - If your pet needs dental work this section of the policy will cover it. Usually policies only cover accidents but some policies may also cover illness.

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Is it expensive?

The cost to insure your puppy will vary depending on the level of cover you choose. Based on our average premium price in August 2016, prices started from £3 a month**. While the low price might be appealing, make sure that you get the right level of cover that you and your dog need.

Our average premiums are based on all our customer quotes, from people with different dog breeds, ages, sizes and cover. You may find a cheaper or more expensive quote based on your own dog’s details.

With different types of cover available and policy inclusions differing why not get your own personalised quote today? It couldn’t be simpler. Enter your dog’s details along with your details and let us do the rest for you. We’ll compare the UK’s most popular pet insurers and provide you with all the options available so you can make an informed choice about what is best for you.

**50% of people can achieve a premium of £3 a month based on August 2016 cheapest premiums