Dog insurance tailored around your dog

We love our dogs. Like family, we want them to be happy, and fulfill their sense of adventure. 

We also want to protect them if they get sick or injured. This is exactly what dog insurance is for. It can save us from having to make heartbreaking decisions in the face of vet bills we’re unable to afford.

The average cost of pet insurance claims in 2024 was £685, according to The ABI. If you want your dog to be protected from the unexpected, it’s worth considering dog insurance for peace of mind.

To find out how pet insurance can help when it matters most, read our ultimate guide to whether pet insurance is worth it.

Dog insurance is there to help with unexpected vet bills. Like a trusty sidekick, it springs into action if your dog gets into a scrape or becomes unwell.

With a Petgevity policy, you get:

• Vet fees
  • Complementary therapy and behavioural treatment
  • Dental accidents
  • MRI/CT scans (up to £2k)
  • Cruciate ligaments (up to £2k)
  • Euthanasia
• Emergency care

Need more protection? There are a range of optional extras you can tag onto your policy, such as holiday cover, or dental illness cover. This way, you can fashion your cover for your pup’s exact needs.

More about your dog insurance policy

Want a clearer picture of what’s included? Here’s a closer look at some of the key situations covered.

Does dog insurance cover surgery?

Yes. Petgevity policies cover medically necessary surgery up to your selected vet fee limit. You’ll just need to pay any applicable excess or bill share outlined in your policy. Cosmetic or non-essential procedures aren’t included.

Are MRI and CT scans covered?

Diagnostic scans such as MRI and CT scans are covered under all Petgevity policies – up to your chosen vet fee limit or £2,000, whichever is lower.

Is dental treatment included?

Petgevity covers dental accidents as standard. If you’d like more comprehensive protection, you can add Dental Illness cover for an extra fee. This provides cover up to your vet fee limit or £5,000 (whichever is lower) for conditions like gum disease.

Is poisoning covered?

Yes. If your dog requires treatment after being poisoned, this is covered up to your chosen vet fee limit.

Are hereditary conditions covered?

It depends. With Petgevity Lifetime Plus, we consider cover for any pre-existing condition, as long as they’re declared when you apply for your policy.*† 

Is euthanasia covered?

If your vet recommends euthanasia on humane grounds, this is covered as part of your vet fees, up to £250.

Is overseas travel covered?

You can add Travel and Holiday cover to your policy for an additional fee.

This can include:

• Vet treatment abroad up to your chosen limit
• Emergency return home if needed
• Cancellation or curtailment cover up to £5,000

Dog insurance policies don’t tend to cover routine and preventative treatments, and this is the case with Petgevity too. We don’t cover:

• Flea and worming
• Neutering (castration and spaying)
• Vaccinations
• Routine teeth cleaning
• Routine or investigative tests (unless it’s to diagnose a new or worsening condition covered under your policy)

Rather than paying for these treatments in one whack, ask your vet if they have a healthcare plan available. Monthly payment schemes can help spread the cost of vet visits for health checks, preventative care, annual jabs and boosters and so on.

The price you pay for dog insurance is influenced by several factors, including things like:

• Your dog’s breed and age
• If they have any pre-existing conditions
• Where you live
• Any extras, excess or bill share you’ve chosen

Before choosing the level of cover for your dog, it’s worth doing some homework into:

• What emergency treatment costs at your local vet
• Genetic issues common in certain breeds, and how much these might cost to treat

Get Petgevity cover from just 31p a day.

That’s £9.33 a month or £111.98 a year.

^The above figure was calculated using the cheapest 10% of our new business sold policies (renewals and amended policies were not included in the data), from the date range of 1^st July 2025 – 31^st December 2025. The premiums used for calculation were the final premiums across all customers regardless of how they bought, including all additional cover options and Insurance Premium Tax, without exclusion on any specific customer segmentations.

How dog insurance claims work

Most dog insurance claims are for vet treatment, whether that’s for illness, injury or ongoing care.

With Petgevity, you can make multiple claims throughout the year, up to your chosen vet fee limit. This can be up to £15,000 per year, giving you support across multiple conditions if needed.

Good to know: When your claim is approved, we can either pay you directly or settle the bill with your vet – if your vet agrees.

How to make a claim

Making a claim for your dog is designed to be quick and straightforward.

1. Start your claim
   Log in to your account and head to the claims section, or contact the claims team on 0333 009 0998.
2. Provide your details
   Complete the claims form and upload any invoices or receipts. You’ll also need to include your vet’s details. In some cases, your vet may be able to submit the claim on your behalf.
3. We liaise with your vet
   Our claims team will contact your veterinary practice directly to gather any additional information needed.
4. Payment is arranged
   Once your claim is approved, payment will be made to you or your vet, minus any excess or bill share that applies.

About Petgevity dog insurance claims

• Customers’ claims were paid on average in 3.5 days in 2025
• The average claim paid in 2025 was £526.77‡ 
• 89.68% of claims submitted were approved in 2025‡ 
• Commended for Claims Service at the Moneyfactscompare Awards 2026

What is an excess?

An excess is the amount you contribute towards each claim.

For example:

• Vet bill: £1,000
• Excess: £100
• Amount paid by insurer: £900 (subject to your policy limit)

What is a bill share?

A bill share (also known as a co-payment) is the percentage of the remaining cost you pay after the excess has been deducted.

For example:

• Valid claim amount (for one condition): £1,000
• Minus excess: £1,000 – £100 = £900
• Minus bill share: £900 – £90 (which is 10% of £900) = £810
• Total excess and bill share paid by you: £190
• Total paid by us: £810 

With a Petgevity Lifetime policy, a 20% bill share applies if your dog is aged 8 or over.

With a Lifetime Plus policy, there’s no compulsory bill share, regardless of your dog’s age.

“My Dachshund has a playful personality. I love how fun and exciting this makes living with her. Mind you, her spirited nature does come with the occasional pratfall.

“And because of their short legs and loooonnngggg bodies, sausage dogs are at higher risk of developing intervertebral disc disease, or IVDD. Because this can be expensive to treat, I feel more comfortable with lifetime pet insurance with the highest vet fee level available. Now I don’t have to worry about guaranteeing her the best care possible if she gets into a scrape, or develops back problems.”

Beth Fox-Fuller, Head of Social and Dog Mum

Your policy: start, renewal and cancellation

Here are some key things to know about managing your dog insurance policy.

When does cover start?

When you first take out a policy, there are waiting periods before full cover begins:

• Accidental injuries: not covered in the first 2 days
• Illness or symptoms: not covered in the first 14 days
• Death linked to illness: not covered in the first 14 days
• Loss, theft or straying: not covered in the first 14 days

These waiting periods usually don’t apply if you’re renewing or switching from a comparable lifetime policy.

You’ll also have a 14-day cooling-off period. If you cancel within this time and haven’t made a claim, you’ll receive a full refund.

How do I renew my policy?

Your policy will renew automatically each year unless you choose to opt out.

You’ll receive a renewal reminder around 21 days before your policy is due, including your updated premium.

Will my premium change?

It’s likely. As dogs get older, the likelihood of needing treatment increases – which can lead to higher premiums over time.

How do I cancel my policy?

You can cancel your policy at any time.

• Within the first 14 days: full refund (if no claims made)
• After 14 days:
  • Payments stop once any outstanding premiums are settled
  • You may receive a partial refund if you’ve overpaid

We won’t refund any premium if a claim is made on the policy. If the claim is due to death, loss, theft or straying, then we’ll only charge you for the cover you received. For other claims, you’ll need to keep paying your monthly premium. 

What happens if I miss a payment?

If you miss a payment, you can catch up through your account.

However, if payment remains outstanding for more than three weeks, your policy may be cancelled.

If you’re struggling, it’s always best to get in touch – support may be available to help you manage payments.

Dog cover you can trust 

Petgevity is authorised and regulated by the Financial Conduct Authority (FCA). This means we’re compliant with high ethical and professional standards, and adhere to strict consumer duty regulations. 

To find out more, read our: 

• Full policy documents
• Complaints procedure 

If you make a complaint and believe it hasn’t been handled appropriately, or you’re unhappy with the outcome, it can be referred to the Financial Ombudsman Service. You have 6 months from the date of your final resolution letter to contact FOS.