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How to switch pet insurance

Switch your cover from another provider and we’ll cover you without the typical 14 day waiting period for illnesses. Our 5* Defaqto rated cover could be a great option when looking for a better pet insurance deal.

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Switch cover without the wait

Switching pet insurers is a big decision, you’ll want to make sure that you’re getting the cover you need at the most competitive price, so shopping around is a good idea.

Whilst it’s common that as soon as you join a new provider your pet will be covered straight away for any accidents they may have, the same doesn’t always apply to illnesses.

Most pet insurers will impose a 14 day waiting period on new illnesses, but not with us. If you’ve been covered elsewhere then with us you’ll be able to continue that cover without a break.

Switch your pet insurance to us

You could switch without the waiting period today from as little as £4.72.

Get a quote >

Why switch to us?

Alongside the immediate cover you’ll get by joining us, there are a number of other benefits of being a member.

  • You’ll be joining a community of over 20,000 pet owners
  • Our customers love our cover, our Trustpilot reviews speak for themselves.
  • Quick and efficient claims with over 93% of all claims paid last year.

Furthermore, our plans come with a whole host of features.

Multipet discount

If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.

24/7 Vet Advice Careline

The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.

Need to claim?

If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2021 we paid 93% of all claims made.

Cover benefits and what our members say

Direct vet payment

To help when claiming we can work with your vet to pay them directly for accepted claims. Meaning that you won’t need to spend money fr the treatment and wait to be reimbursed by us. Instead this allows you to focus on what’s most important – the recovery of your four-legged friend.


No co-insurance

Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.

We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.

Why is there a 14 day waiting period at all?

The 14-day waiting period imposed by some providers helps to guard against pet owners buying insurance knowing that their pet is ill and needing treatment. They can make a claim and get a payout without having to pay the bulk of their insurance premium.

The waiting period is there to protect members from this activity, as the claims paid out by an insurer will impact renewal rates for all customers.

In our case, we do impose a 14-day waiting period for illness claims for customers who are new to pet insurance or those who have had a break between their previous insurance and a new plan, but if you are switching to us without a break then you can be covered for accidents and illnesses immediately.

Common FAQs when switching

What should I consider before I switch?

While all of us want cheaper insurance costs, it’s not always about price. Compare the details of the cover, what are the cover limits for vet fees and the inner limits for specific treatments. You should also consider whether your pet has any ongoing conditions or treatments that would need to be continued with your new insurer. When switching to us, any existing conditions will be excluded from cover.

Do you offer cover for pre-existing conditions?

We are no longer offering our pre-existing conditions cover for new customers. You can still switch to us, but any pre-existing conditions will be excluded from cover.

Do I need to provide any evidence of previous claims or my pet’s health?

No. Unlike car insurance it’s not a case of proving no claims certificates. As you go through a quote with us you’ll be asked a series of questions about your pet’s health, and you’ll be asked to make declarations about the information you’ve told us.

This is what we will reference back to should you need to make a claim. It’s very important that you fill this information out accurately and honestly as you could find that any wrongful statements could invalidate a claim.

I switched to you when you covered pre-existing conditions, am I still covered for them?

Yes, we have stopped offering pre-existing conditions cover for new customers only. As an existing customer you will still be covered for conditions stated in your policy documents. You will also be able to continue to renew your policy with the same conditions covered should you wish.

Get a quote

Comprehensive pet insurance cover for your furry friend. Get a quote today.

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