CoverMy Pet FAQs

Unfortunately, we can’t provide cover for breeds registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland)
Order 1991, or any later changes made to the act. These include:

• American Bandogge
• American Bulldog
• American Pit Bull Terriers
• American Staffordshire Bull Terrier/Pit Bull
• Anatolian Shepherd Dog (Karabash)
• Boerboel
• Bully Kutta
• Caucasian Ovcharka
• Cane Corso
• Chow Chow
• Dogo Argentino
• Fila Brasileiro
• Gull dong
• Japanese Tosa
• Canary Dog/Perro de Presa Canario
• Romanian Raven Shepherd Dog
• Wolves or wolf hybrids
• XL Bully

We also can’t cover any crossbreeds of these listed breeds.

Yes, there are a few waiting periods to keep in mind, and they vary depending on what you’re claiming for. Think of a waiting period as the time you need to wait after your policy begins before you can make a claim. Let us explain…

Accidents or injuries: Covered 5 days from the policy start date.

Illnesses: Covered 14 days from the policy start date.

All other claims (third party liability, holiday cancellation, theft or straying): Covered 14 days from the policy start date.

Any illness, injury or condition that occurs or shows symptoms during these waiting periods is not covered and will be treated as a pre-existing condition.

Yes! If you insure two or more pets, you’ll get a multi-pet discount which makes it even more affordable to protect your furry family.

The key difference between the two policies is how long conditions remain covered.

A Lifetime policy means your pet is covered for accidents and illnesses as long as you keep the policy active. The vet fee cover has an annual limit that resets every time you renew. So, if your pet has a long-term or recurring condition, you can keep claiming year after year – as long as there’s no gap in your policy.

A Time-Limited policy covers each accident or illness for a maximum of 12 months from when the condition first starts, or until the vet fee limit is reached (whichever comes first). Once the 12-month period ends, that condition becomes excluded and cannot be claimed for again, even if the policy is renewed.

We take pride in offering comprehensive pet insurance, but there are some situations we’re unable to cover. Key exclusions include:

• Pre-existing conditions, including any illness or injury showing symptoms before the policy start date or during the waiting period.
• Waiting period claims (first 5 days for accidents, first 14 days for illnesses and other claims).
• Routine, preventative, cosmetic, or elective treatments, like vaccinations, spaying or neutering, grooming, nail trims, and flea or worm treatments.
• Dental treatment unless it’s needed because of an accidental injury.
• Behavioural conditions, including investigations, training, and pheromone products.
• Pregnancy, breeding, whelping, and kittening, including related complications.
• Food, supplements, vitamins, and prescription diets.
• Aggressive or dangerous behaviour-related claims.
• Claims involving excluded dog breeds, or any cross of those breeds.
• Use of pets for business, breeding, guarding, hunting, racing, or working purposes.

For a complete list of exclusions and full policy details, please read to our policy wording.

Our comprehensive pet insurance policies can cover the following:

• Vet fees for accidents and illnesses that are not pre-existing
• Complementary treatment, including hydrotherapy
• Diagnostic imaging
• Cruciate ligament treatment
• Third party liability for dogs
• Death from illness or accidental injury
• Holiday cancellation
• Theft of straying

For full details of cover, read our policy wording.

Making a claim is quick and easy, just follow these simple steps:

1. Visit our claims page and download your claims form.
2. Gather your supporting documents e.g. vet invoice, medical notes etc.
3. Submit your claim via email.

Of course! You can use your own vet as long as they are a qualified and registered member of the Royal College of Veterinary Surgeons (RCVS) practicing in the UK. We don’t restrict you to a specific veterinary network.

Yes, you’ll need to pay an excess for each claim you make.

All policies have a fixed excess, which is the amount you’ll need to pay each time you make a claim. This is a set amount that you agree to when you take out the policy – either £50 or £100.

In addition, a co-payment or percentage excess may apply depending on your pet’s age and breed. This is a percentage of the remaining vet bill after the fixed excess is deducted.

The co-payment depends on your pet’s age and breed:

• Cats under 10 and most dogs under 8: You can choose a co-payment of 0% or 15%.
• Certain dog breeds under 8: The co-payment is fixed at 15%.
• Cats 10 or older and dogs 8 or older: The co-payment is fixed at 15%.

You’ll find all the details about your fixed excess and co-payment in your policy documents.

If you cancel within 14 days of your policy start date (or the date you received your documents, whichever is later), you’ll get a full refund as long as you haven’t made a claim.

If it’s after the 14-day cooling-off period and no claims have been made, you’ll get a pro-rata refund for any full unused months of cover. But if you’ve already made a claim, the full premium for the policy will be due, and unfortunately, no refund can be given.

To cancel, just let us know. You’ll find everything you need on our contact us page.

Your policy will automatically renew each year unless you have told us you want to cancel or have opted out of auto-renewal.

You will be contacted at least 21 days before the renewal date with details of your renewal premium, any changes to terms and conditions, and any excesses.

If you pay by card, the payment will be taken from the same card unless you tell us otherwise. If you pay by monthly direct debit, payments will continue automatically.

Yes, we cover hereditary and congenital conditions! The only exceptions are if the condition is pre-existing or if it showed signs before your policy started or during the waiting period.