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Puppy insurance


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Frequently asked questions

  • How will puppy insurance help?
  • What’s the youngest age at which I can insure my puppy?
  • What health issues affect puppies?
  • How can I help keep my puppy healthy?
  • What types of dog insurance are there for my puppy?
  • What does puppy insurance usually cover?
  • How do I find a good deal on puppy insurance?

How will puppy insurance help?

Although pet insurance for your puppy isn’t a legal requirement, it can help cover costs if they get sick or are injured in an accident. It can also help with costs if they injure a person or another dog, or damage something.  

Find out more about third party dog insurance 

Pet insurance needn’t be hugely expensive. 50% of people could achieve a quote of £6.42 per month for their dog insurance based on Compare the Market data in May 2018 (an average of all cover types).

What’s the youngest age at which I can insure my puppy?

You should be able to get puppy insurance when your dog is between six and eight weeks old. 

What health issues affect puppies?

Here are the main conditions to look out for in your new best friend. 

  • Infectious diseases – until they’ve completed their vaccinations (at around four months), puppies are at risk from a variety of infectious diseases like canine distemper, hepatitis, parvovirus and leptospirosis.  
  • Birth defects – these could be abnormalities in any part of the body or organ system and may prevent normal development and growth.  
  • Parasites – it can be quite common for puppies to develop these nasty little intestinal visitors, such as roundworms, hookworms and tapeworms. 
  • Stomach upsets – puppies can be prone to gastrointestinal pains due to stress, illness, too many treats or other conditions.

How can I help keep my puppy healthy?

You should register your puppy with your vet within the first few weeks and arrange a health check appointment.  

On your first visit your vet will probably ask you about your puppy’s history – where you bought him or her and if you have any details about their parents.  
Your vet will then give your puppy a thorough physical examination, including:

  • checking your puppy's eyes
  • looking in their ears
  • examining their mouth
  • examining their coat
  • calculating their temperature
  • weighing them  
  • listening to their chest (heart and breathing)  
  • feeling their abdomen

Your puppy will need to have their first vaccinations when they’re around eight weeks old. 
It’s also a legal requirement to have your puppy microchipped by the time they’re eight weeks old. If you don’t do this, as well as risking a fine, you may invalidate your pet insurance.

What types of dog insurance are there for my puppy?

There are four main varieties of puppy insurance:  

Lifetime pet insurance  – This isn’t the cheapest option, but it is the most comprehensive. The Money Advice Service says that the easiest way to get pet insurance is to buy a lifetime policy when your pet is young. Your pet can be covered for their lifetime, provided you renew your premium every year. It can include all new and recurring conditions up to a certain cost limit.

Maximum benefit pet insurance – your puppy will be insured up to a certain cost limit, as long as your premium is renewed.  

Time limited pet insurance – this usually runs for 12 months and there’s usually a cost limit. 

Accident only pet insurance – this is the cheapest option, but it only covers treatment related to your pet having an accident, not illness.  

 

What does puppy insurance usually cover?

Your puppy insurance will cover vet bills, but you need to check exactly which ones. Routine treatments, like vaccinations, won’t be covered and you might find that some conditions are excluded – particularly important if your pup is a pedigree and prone to certain hereditary conditions. Your policy may also include:  

  • Dental cover – this can cover dental work needed because of an accident or illness, but always check exactly what’s included.
  • Kennel fees – if you had to go into hospital and couldn’t find anyone to look after your pup, this could cover the cost of kennel fees.
  • Death by accident or illness – it’s not something you’ll want to think about while your dog is still a waggy bundle of tufty fur, but some policies will cover you up to the value of your pet if they pass away.

How do I find a good deal on puppy insurance?

To find puppy insurance that suits the needs of your young dog, simply use our price comparison service
 
All you need to do is tell us a few details about your puppy and we’ll show you a range of quotes, allowing you to compare prices and policy details to find the right puppy insurance for you. Get a quote in minutes

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