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 Bulls
• Anatolian Shepherd Dog (Karabash)
• Boerboel
• Bully Kutta
• Caucasian Ovcharka
• Cane Corso
• Chow Chow
• Dogo Argentinos
• Fila Brasileiro
• Gull dong
• Japanese Tosa
• Canary Dogs or 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: Covered 14 days from the policy start date.

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.

Lifetime Pet Insurance

The best insurance you can get for your pet. It covers your cat or dog for its entire life. As long as you keep paying for the insurance, it will help pay the vet bills for any new sickness or injury, even if it’s a long-lasting one like stiff joints or a skin problem. However, it tends to be more expensive than other types of policies due to its comprehensive cover.

Time-Limited Pet Insurance

This type of insurance tends to be cheaper than lifetime cover and has two main limits for each sickness or injury:

1. A time limit: It only helps pay for vet visits for one year (365 days).
2. A money limit: There’s a set amount of money it will pay for that sickness or injury.

We stop paying when you reach either the one-year limit or the money limit, whichever happens first.

How the time limit works

• You get help paying for vet bills for 365 days for each specific claim you make
• The 365 days starts from the day your pet first got hurt or showed signs of being sick.
• Even if you renew your insurance for another year, the 365 days limit doesn’t reset. You only get a total of 365 days of help for that one problem.
• After the 365 days is up, this policy won’t pay for that specific sickness or injury anymore.

How the money limit works

• Your insurance plan has a maximum amount of money it will pay for each different claim.
• You’ll have one money limit for vet bills and a different money limit for other things, like if you have to cancel a holiday because your pet is sick. E.g. £4,000 for vet fees, and £2,000 for holiday cancellation cover.
• You can see the exact money limits in your policy documents.

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

• Any claims related to pre-existing medical conditions
• Costs associated with neutering or spaying
• Claims related to breeding activities
• Dogs used for hunting, guarding, racing, coursing, or beating
• Dogs used for trade, professional, or business purposes
• Claims involving pets registered under the Dangerous Dogs Act 1991, the Dangerous Dogs (Northern Ireland) Order 1991, or any subsequent amendments.

  These breeds include:

  American Bandogge, American Bulldog, American Pit Bull Terriers, American Staffordshire Bull Terrier, Pit Bulls, Anatolian
  Shepherd Dog (Karabash), Boerboel, Bully Kutta, Caucasian Ovcharka, Cane Corso, Chow Chow, Dogo Argentinos, Fila
  Brasileiro, Gull dong, Japanese Tosa, Canary Dogs or Perro de Presa Canario, Romanian Raven Shepherd Dog, Wolves or
  wolf hybrids, XL Bully, or any cross of these breeds.

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 illness or injury
• Complementary treatment, including hydrotherapy
• Third party liability
• Death from illness or injury
• Holiday cancellation
• Theft of straying

For full details of cover, read our policy wording.

You have a 21-day cooling-off period from the date you bought your pet insurance policy. During this time, you can cancel your policy and be refunded if you haven’t made a claim within this time.

If you wish to cancel after the 21-day cooling-off period, we may deduct a pro rata portion of the premium along with any reasonable admin fees.

To cancel your policy, contact us.

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.

Absolutely! You can visit any licensed and registered vet in the UK.

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

Your total excess is essentially your share of the claim, and it has two parts:

1. Fixed excess: This is a set amount you agree to pay for every claim – either £50 or £100, depending on what you chose when you took out the policy.
2. Co-payment (% excess): 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.

Each year, we’ll send you a renewal document with all the details of your policy for the upcoming year. If you’re paying by Direct Debit, no need to worry, your policy will automatically renew unless you tell us otherwise. But if you paid upfront, simply contact us to arrange your renewal payment.

These conditions can only be covered if the condition wasn’t present or showing symptoms before your policy started, or during the waiting period.