Pet insurance explained – all you need to know
From lifetime insurance to accident-only cover, our guide breaks down everything you need to know to find the right pet
Read more14 January 2026
As temperatures drop and snow, ice and frosty winds sweep across the UK, it’s not just people who feel the chill, our pets do too. Cold weather brings a range of risks for dogs, cats, rabbits and other small animals, meaning owners need to take extra steps to keep them warm, healthy and protected.
Whether you’re indoors, out for a winter walk or caring for outdoor pets, here’s how to keep your furry family members safe this season.
Just like humans, pets can be at risk of hypothermia if exposed to cold conditions for too long. Smaller animals, senior pets and short-haired breeds feel the cold more quickly.
The RSPCA notes that pets often shiver when they are too cold, especially small or thin-coated breeds. During winter:
Shorter days and harsh weather mean pets may spend less time outside. Extra playtime and indoor toys help maintain activity levels and body temperature.
Pets may eat slightly more in winter to maintain their body temperature. However, they may also drink less, which increases the risk of dehydration. Always ensure fresh water is available.
Dogs still need their daily exercise even in snow or icy conditions, but owners must take extra precautions.

According to the PDSA, thin-fur breeds, elderly dogs or dogs recovering from illness may need a warm, waterproof coat to stay comfortable on walks.
Keep dogs away from frozen lakes, ponds and canals, ice may not support their weight.
Short outings reduce the risk of cold-related illness. If your dog gets wet, dry them with a warm towel immediately.
Salt, grit and snow can cause pain or irritation. Rinse and dry paws after each walk.

Cats who are used to exploring outdoors can usually continue to do so during the day, as long as they have a safe way to come back inside.
Ensure your cat can return indoors through a cat flap or create an insulated outdoor shelter.
During extreme cold snaps, it’s best for cats to stay indoors at night.
Even if your cat normally toilets outdoors, offer an indoor option so they aren’t forced out into freezing temperatures.
Cold weather brings unique challenges but with the right care, your pets can stay warm, comfortable and safe all season long. For added peace of mind, CoverMy offers a range of affordable, flexible pet insurance plans to help protect your pets year-round.
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Your pet’s comfort and safety always come first. Taking a few small precautions can make a big difference and with CoverMy Pet, you can rest easy knowing they’re protected all year round!
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