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  5. Why dog insurance?

Why insure a dog or puppy?

Time to read: 5 mins

Dog insurance is there to protect your pet against injuries and illness that they may suffer from.

Vet bills can be expensive, often running into thousands of pounds depending upon the treatment needed, so insurance can help to protect you against those unexpected costs.

How does dog insurance work

Dog insurance works in a similar way to other insurances you’ll be familiar with. In the event that your pet becomes ill or suffers and injury then your insurance may pay out for their treatment and recovery.

Key terminology

Inner limits
Inner limits are worth being aware of as they limit the amount that you could be paid out. Inner limits sometimes exist on dental treatment or cruciate ligament treatment.

This is the cost that you will be required to pay towards your claim. This excess can also rise as your pet ages.

Coinsurance payments are in addition to excess. They are used in order to reduce your initial premium, but at the point of claiming you’ll be required to pay your excess as well as a percentage towards the claim value (typically between 10-20%)

Wait period
This is the cooling off period when you join or switch a provider. You typically won’t be able to submit a claim for the first 14 days of your policy starting.

Pre-existing conditions
These are defined as an injury or illness that:

  • Happened or first showed clinical signs;
  • Has the same diagnosis or clinical signs as an injury, illness or clinical sign your pet had, Is caused by, relates to, or results from, an injury, illness or clinical sign your pet had, before the start date of your pet’s first period of insurance (inception) or before the date the cover level on your policy was increased. No matter where the injury, illness or clinical signs are noticed or happen in, or on, your pet’s body.

What other things can it cover?

Fundamentally insurance for dogs is there to cover you against the vet fees occuring from treatment, however many providers offer additional benefits. Most providers will be able to offer you:

Loss and recovery
If your dog is lost or stolen, pet insurers can cover you up to a certain limit to advertise to find your dog. In the event that the pet is not able to be recovered then the insurance could also pay towards the cost of your dog.

Boarding fees
If you are unable to care for your dog, for example if you are admitted to hospital, then your insurance may cover the cost of boarding your dog at a kennel. Some insurers will also pay out if your dog is being looked after by friend and family.

There are typically conditions upon the length of time you’re admitted to hospital before you can claim under this section of your plan.

Holiday cancellation and abandonment cover
If your dog goes missing or becomes life-threateningly ill either before you are due to travel or whilst you are on holiday. Then some insurers will cover travel and accomodation costs of needing to curtail or cancel your trip.

It’s also worth checking where you’ll be covered. Most insurers will cover you within countries that are covered within the EU PETS arrangement.

There are limits on the numbers of days before your holiday that you can claim so it’s worth checking this with your insurer.

Death and euthanasia
In the unfortunate situation of the death of a dog, your insurer will pay towards the costs of your pet dying and if they were put to sleep then they may also pay towards the cost of euthanasia.

How much is dog insurance?

Dog insurance prices can vary depending upon many factors, which are explained below. If you are unsure of what best suits your needs, it could be useful to use a price comparison website.

What determines the price?

The 4 main factors that will affect the price of a new dog insurance quote will be

The older your dog the more at risk they are deemed to be, and therefore the more expensive it’ll be to insure them. Older dogs are generally defined as over the age of 8 years old. Find out more how  pet insurance for older dogs works.

The breed you want to insure is key to the price. If you’re insuring dogs which are known to have a higher risk of health problems then the price will be higher. Similarly, pedigree dogs will be more expensive because of their increased price to purchase and typically a lower immunity to certain conditions compared to cross-breeds.

Pre-existing conditions
If your dog has any pre-existing conditions that you would like to cover then this will also in crease the price. These are conditions that are known and likely to recur so the cost is increased to reflect this.

Vet fee inflation
An often overlooked factor which can affect the price of dog insurance is vet fee inflation. This is price increased of vet treatment. This changes each year and so the increased cost of vet treatment is often reflected in an insurance premium rise. This is most notable on renewal prices even when you may not have claimed.

How can I affect the price?

The main way of affecting the price is by choosing a suitable cover level.

Accident only is the cheapest available but as the name suggests will cover you against vet fees arising from any accidents your dog has.

Time limited is an annual plan which provides cover for new injuries and illnesses occurring after the plan has started for up to 12 months from first date of treatment or the plan limit is reached, whichever happens first.

Maximum benefit is an annual plan which provides cover for new injuries and illnesses occurring after the plan has started up to the maximum level.

Lifetime cover are annual plans which provide cover for all new injuries and illnesses up to an annual limit each policy year occurring after the policy has started. The annual cover limit for vets fees is fully reinstated at each renewal.

Pre-existing conditions cover protects all new injuries and illnesses occurring after the policy has started, up to the annual limit each policy year. It could also cover certain pre-existing conditions that you declare which your pet has or has received treatment for in the past. The annual limit for vets fees is fully reinstated at each renewal.

What are common problems I need to protect against?

This depends upon your breed, but typically dogs commonly suffer from skin infection, irritation and allergies, hip dysplasia, arthritis and gastroentiritis.

It’s worth fully researching your breed so you can fully understand what you may need any insurance to cover.


As with any insurance policy there are exceptions that you’ll need to be aware of.

Certain breeds
There are certain breeds, those that are named in the Dangerous Dogs Act that will be excluded from cover.

Age of pet
Some insurers won’t be able to cover pets over a certain age. As mentioned earlier, dogs typically older than 8 will tend to be more expensive to insure.

Do puppies need insurance?

It’s not a requirement for any dog to have insurance, but it can become more difficult to get cover as your dog gets older or if they have a health condition. So if you plan to get cover it’s certainly easier to do so as a puppy.

So, is it worth it?

It depends, only you are able to tell if dog insurance is worthwhile for your situation but it can be a good solution to protect against large unexpected vet bills if your dog does suffer from injury or illness.

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