Dog Insurance
Every dog deserves trusted protection. At Perfect Pet, our dog insurance supports pups and older dogs alike, giving you confidence when it matters most.
Regulated by the Financial Conduct Authority.
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
- We’ve settled 97% of claims within five working days and we can pay your vet directly
- Free 24/7 vet calls, expert advice whenever you're worried
Trusted by thousands of UK pet owners for over 8 years, with up to £5,000 of annual vet fee cover, and we can pay your vet directly.
What is dog insurance?
Dog insurance is a type of pet insurance cover that helps with the vet bills when your dog is injured or falls ill, so you can say yes to the treatment they need without worrying about the cost.
Depending on the type of cover you choose, a policy can protect your dog against anything from a one-off accident to a long-term, chronic condition. With lifetime pet insurance, that protection can continue year after year, for as long as your cover stays in place.
Whatever their breed or age, there’s a level of cover to suit your dog.
There’s more to it than the cover, too. Along with your policy, you’ll get handy extras like free 24/7 vet advice, a low £90 excess, direct payments to your vet, money off top pet brands through our Perks & Offers. The little things that make life with your dog that little bit easier, and a bit cheaper too.
Terms and conditions apply.
Regulated by the Financial Conduct Authority. 
Only pay for what your dog needs
- Four levels of protection, lifetime to accident only
- Lifetime cover with up to £5,000 of vet fees per condition
- Low £90 excess, and we pay your vet direct
Award-winning and rated 'Excellent' on Trustpilot
- Voted Best Pet Insurance Provider 2025
- Moneyfacts 5-star rated (Elite Extra Plus dog insurance)
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
Packed with extras, at no extra cost
- Free 24/7 Vet Assist, by phone or video*
- Money off top pet brands with our discounts and perks
- Free online symptom checker
Rated 'Excellent' on Trustpilot
From over 15,000 independent reviews.
How much does dog insurance cost?
The honest answer: it’s hard to say, because dog insurance pricing completely depends on your dog and your cover. As a very rough guide, UK premiums can run from under £10 a month to more than £80, with many owners paying somewhere in between.
What it depends on: your dog’s breed, age and size, where you live, local vet fees, the policy type, the vet fee limit you choose, and any claims history.
As a rule, the more the policy covers, the more it costs, so lifetime dog insurance typically costs more than accident only. Puppy insurance is often cheaper to start, and older dog insurance reflects the extra care senior dogs tend to need. These are broad UK market estimates rather than our prices.
Got a houseful? Our multi-pet insurance comes with a 15% discount, and that includes insurance for your cat too. The quickest way to see your dog’s real price is to get an instant quote.
What are the different dog insurance policies we offer
Compare our dog insurance cover to find the right level of protection for your pet. Getting a quote is quick, free, and simple, so you can be sorted in minutes.
It’s a cover you can rely on, helping keep your perfect pet happy, healthy, and protected.
| Lifetime Protection for your pet against acute and chronic conditions for the duration of its life. | Maximum Benefit Claim for vet fees to treat accidental injuries and illnesses up to a pre-set limit. | Time Limited Insurance that covers vet fees for accidents and illness for a limited period of time. | Accident Only Treatment for your pet in the event of a sudden and unexpected accidental injury. | |
|---|---|---|---|---|
| Vet fees (per condition) | £1000, £2000, £3000, £4000 or £5000 | £1000 or £4000 | £1000 or £2500 | £1000 |
| Third party liability (dogs only) | £1500000 - £2500000 | £1000000 - £1500000 | £1000000 - £1500000 | ✘ |
| Complementary treatment | ✓ | ✓ | ✓ | ✓ |
| 24/7 vet advice | ✓ | ✓ | ✓ | ✘ |
| Overseas holiday cover | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Holiday cancellation | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Missing and stolen | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Advertising and reward | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Emergency boarding | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Death from illness or accidental injury | £500 - £1000 | £500 - £750 | £250 - £500 | ✘ |
| Excess | £90 per condition, per policy year, except for Third Party Liability claims where an excess of £250 per claim applies. | |||
| View Lifetime | View Maximum Benefit | View Time Limited | View Accident Only | |
Regulated by the Financial Conduct Authority.
Is dog insurance worth it?
Whether dog insurance is worth it really comes down to how you’d rather handle a surprise vet bill. Vet care can cost more than people expect, and some conditions need looking after for years rather than weeks.
With pet insurance, you pay a set amount each month and the policy helps with eligible vet bills, subject to the policy terms. Without it, you cover the costs yourself as they come up. Both are ways of planning for the same thing, and different owners choose each.
What tips it one way or the other is your own situation: your dog, your savings, and how much risk you’re comfortable carrying yourself.
24-7 Vet Video Advice
+ Symptom Checker
Free advice from real vet nurses, by phone or video, day or night, and it never counts as a claim. Not sure if something’s serious? The symptom checker is a good place to start.
Why choose Perfect Pet Dog Insurance?
Four different levels of cover, direct payment to your vet and support that goes beyond the policy. Here’s what you get when you insure your dog with us.
Cover that fits your budget
Choose from four levels, from lifetime to accident only; depending on the policy, you can get up to £5,000 of vet fee cover per condition and a low £90 excess.
We pay your vet directly
No big bill to fund upfront. We’ve settled 97% of claims within five working days, and we can pay your vet directly so you’re not left finding the money first.
Every dog, every age
Puppies covered from four weeks old and no upper age limit, even on lifetime policies, so your dog stays protected from their first walk to their last.
We’ve insured over 350,000 pets UK wide
Looking after the UK’s pets for over 8 years, giving owners across the country reassurance when it matters most.
Regulated by the Financial Conduct Authority.
We’re here for you and your pet
With your pet policy, you’ll also get trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
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Dog signs & symptoms checker
Check your dog's symptoms and get rapid help at your fingertips with our free, vet-approved Symptom Checker.
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24/7 vet assist video & telephone calls
Get trusted triage advice and find out what might be wrong. Fast, professional help with no appointment needed.
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Save big on prescription medication
Save an average of 57%* on prescribed meds. Trusted pet drugs, straight to your door.
Discover dog insurance
for every kind of dog
From a brand-new puppy to a much-loved senior, every dog deserves cover that fits their life stage. Our puppy insurance protects them from just four weeks old, while our older dog insurance keeps supporting them with no upper age limit. Choose the option below that matches your dog.
Puppy Insurance
- Cover from 4 weeks of age
- 5 Star Elite Extra Plus dog insurance cover that grows with them
- Exclusive discounts from leading pet brands
Older dog insurance
- No upper age limit, even on lifetime cover
- Keep claiming year after year for ongoing, age-related conditions
- Award-winning cover built for senior dogs
Rescue dog insurance
- Cover for any rescue, whatever their background
- Free 24/7 vet advice as you get to know each other
- No upper age limit, even for lifetime cover
More memories, less worry.
You make the memories, we’ll handle the mishaps. Get your quote in minutes and see exactly what’s covered before you decide.
Regulated by the Financial Conduct Authority.
Dog Insurance
FAQs
Find out more about Perfect Pet insurance policies for dogs with the questions our customers have asked.
Dog insurance exists to help with unexpected vet bills. There’s no NHS for pets, so treatment for an accident or illness is paid for by you, and a single course of treatment can run into hundreds or even thousands of pounds.
A policy spreads that risk into a monthly or annual premium, so you can focus on your dog’s care rather than the cost. Whether cover is right for you depends on your finances and how you’d handle a large bill, and if you’d rather build up savings instead, that’s a fair alternative.
The cost of dog insurance reflects your dog’s age, breed and size, where you live, local vet fees, and the policy type and vet fee limit you choose. Premiums usually rise as your dog gets older, and pedigree breeds typically cost more to insure than crossbreeds.
Choosing a dog insurance plan comes down to your dog’s age, breed and health history, your budget, and how long you’d want a condition covered for. The four policy types each work differently: accident only covers injuries, time limited covers each condition for up to 12 months, maximum benefit gives each condition a fixed pot, and lifetime refreshes your limit each year you renew.
Our dog insurance breed guides can help you understand what conditions are common for your dog, and a free online quote lets you compare prices, policy types and cover limits side by side before you decide.
A lifetime policy covers your dog for ongoing and recurring health conditions throughout their life.
Unlike limited-term policies, it doesn’t restrict cover to a set period, and there’s no age limit – senior dogs are welcome, no matter the age of your golden oldie!
Routine care is not covered, as this is classed as preventative care (things like vaccinations, flea and worming, and neutering).
You can save on some of the costs of your dog’s preventative care (prescribed flea, worm, and tick treatments) and on the costs of any prescribed medications (57%* on average) through our exclusive pet discounts with online pharmacy Hyperdrug.
The best way to check if your dog’s breed can be covered is by doing a quick and easy quote online.
You will need to tell us your dog’s pedigree breed, cross-breed (two breeds) or mixed-breed (three or more breeds) to ensure your cover isn’t invalidated if you need to make a claim.
There are some breeds we cannot cover. You can find the full list of excluded dog breeds in our FAQs, and it is also set out in Section 12 of our policy wording.
You can switch your dog insurance providers if you’re looking for a change in your level of cover (for example, you had bought an annual policy, but you’d rather your dog is covered for life with one of our Elite lifetime policies). You may also be looking to lower your premiums, so can check to see if you can get a better deal with Perfect Pet. When switching, please be aware that any pre-existing conditions will not be covered, and exclusion periods apply of 14 days for new illnesses and 5 days for accidents.
Yes, you can get dog insurance for an older dog. Perfect Pet has no upper age limit on our policies, and this even includes lifetime cover. Many other dog insurance providers stop offering lifetime cover when your dog reaches a certain age, but not us, meaning senior dogs can be covered. This ensures ongoing protection for any new chronic conditions and age-related health issues.
You can make a claim on your dog insurance by downloading a claim form and completing it with your vet. You’ll need to provide some details about your pet’s illness or injury and any supporting documents. We will assess your claim and pay the claim to either you or your vet if they accept direct claim payments. Your claim may be subject to any policy excesses that are applicable, so check your policy schedule for details.