Pet Insurance

Your peace of mind

Their forever happiness

  • 98% claims paid *
  • 24/7 vet video consultations
  • Claims paid directly to vets
  • Interest free payments
Dog Silhoutte Cat Silhoutte
Trustpilot Logo Defaqto Logo

Pet Insurance from Purely Pets

We know that your pet plays an important role in your life. They are companions, friends and a part of your family so we understand how important it is to find the right cover for you and your pet’s needs. Purely Pets are specialists.

We have a dedicated team based in the UK who aim to make insuring your pet easy, simple and transparent. We offer a range of Lifetime policies, unlimited 24/7 Video Consultations with a Vet and an online policy management portal which all give you greater flexibility in managing your policy.

Select your level of cover

So you have decided to get your pet insured. That's great news! Here at Purely Pets, we offer 15 levels of Lifetime Cover - allowing you to choose the policy that suits your budget and requirements.

Defaqto 5* rating applicable to Dog vet fees from £6000+ and Cat vet fees from £8000+.

The Purely Pet Promise

At Purely, we’re here to support you. That’s why all Purely Pets Customers get access to unlimited video consultations 24/7 with a qualified vet. Our easy to use online portal ‘Manage My Policy’, enables you to access to your policy 24hrs a day. This provides greater flexibility, allowing you to manage your policy at a time that suits you, so that you can spend more time with your furry friends, and less time managing your insurance. Get a quote

Customer reviews

Why choose Purely Pets

24/7 Free Video Calls with a Vet

24/7 Video Calls with a Vet

Flexible Excess Options

Flexible Excess Options

Online claims

Online claims management

Direct payment to vet

Direct payment to vet

Lifetime Cover up to £15,000

Lifetime Cover up to £15,000

No upper age limit

No upper age limit

3 reasons to take out pet insurance

If you own a pet but don’t currently have pet insurance, it might be time to take action. Here are three reasons why investing in an insurance policy is so important.

  • Medical issues can be expensive to treat

Your pet can develop all sorts of medical problems over the course of their life. Treating those issues doesn’t come cheap, which is where pet insurance comes in. Modern vet care is extremely advanced – it includes complex surgery, chemotherapy and diagnostics tests. But such advanced procedures can mean hefty vet bills for your dog or cat. If you want your pet’s medical expenses to be more predictable, paying pet insurance premiums is the way forward.

  • Your pet deserves the best medical vet care

By taking out pet insurance, you are covering your beloved pet with a pet insurance policy that will help you with covering vets fees (up to your agreed amount) and much more. It means you can give them the right treatment, at the right time, at the vet of your choice, without worrying about costs.  When your pet is unwell, you want to give them immediate, professional vet care. One of the ways you can offset vet costs and give you peace of mind, is to buy pet insurance.

  • Get cover before a medical issue develops

If your pet develops a medical issue and they are not insured, finding pet insurance can become tricky. The health concern will be classed as a pre-existing condition by an insurance provider and may not be covered under a new policy. The only way to avoid this is to take out pet insurance when your pet is healthy (i.e. before they develop any health issues).

How can I get value from lifetime pet insurance?

If cost is making you think twice about taking out pet insurance, here are some ways you could look to save on your premium:

  • Spread the cost: Pay your premium monthly, with interest free payments. This could help spread the financial commitment. 

  • Make the most of 24/7 care: Instead of incurring costs by visiting the vets, speak to a professional vet, included in your insurance policy. Access unlimited 24/7 vet video calls for expert advice on your pet’s well-being, they’ll guide you on necessary steps and determine if a veterinary examination is needed. Enjoy support anytime with your Purely Pets Insurance policy. 

  • Stay on top of preventative care: Making sure that your pet is up to date with their vaccinations, flea treatments and has been spayed or neutered can all help to keep your pet happy and healthy.

Frequently Asked Questions

As well as finding the best cover for your beloved pet, you’ll also want to find the best deal on cat insurance or dog insurance. And that means doing your research.

When you compare pet insurance, you’ll receive a pet insurance quotation that meet your pet’s needs. But first, you’ll need to provide the following information to the pet insurance provider:

- Your pet’s details: This includes their age, breed and size

- How much your pet cost: This only applies if you bought your pet, not if you’ve adopted your pet without an adoption fee (applies if you’ve adopted your pet and paid an adoption fee, the adoption fee will be the pet cost)

- Your pet’s medical history: Has a vet diagnosed any existing medical conditions? (information provided at the point of making a claim)

As your pet becomes older, it can be harder to get cover for them. Some pet insurance providers will not let you take out cover for pets over a certain age. At Purely Pets, we have no upper age limit on our pet insurance policies. This makes it simpler to find pet insurance to protect your older pet.

You already know there are different types of cat and dog insurance cover available, but here’s what that insurance jargon actually means:

Lifetime pet insurance: Also known as reinstatement cover, this policy offers ongoing protection for illness and injuries. Your pet is covered for medical treatment administered by a vet up to a certain vet fee limit each year. The full amount is reinstated every 12 months.

Maximum benefit pet insurance: Covers each illness or accident up to a fixed amount. Once that figure is reached, your pet is no longer covered.

Time-limited pet insurance: An accident or injury is covered for a specific length of time. Handy for short term illness.

Accident-only pet insurance: Your pet is covered if they are injured in an accident – but not if they fall ill. Usually up to a certain amount.

At Purely Pets, we believe every pet deserves the very best, which is why we only offer lifetime cover. You can choose from 15 levels of cover, with costs of up to £15,000 covered by your pet insurance. Get an instant pet insurance quote today.

For many pet owners, the idea of not having pet insurance can be worrying. Can you afford to pay for vet fees if the worst were to happen and your furry friend fell ill or had an accident?

Are you able to self insure against the risk of your dog causing injury or damage to someone else or their property through third party liability legal costs?

It's important to weigh up the possibilities as insurance might be the answer to providing you with peace of mind. 

There are a number of factors that determine how much you pay for pet insurance for your pet dog or cat.

Each pet is different, and the cost of pet insurance premiums can vary accordingly. Luckily, there is bound to be a policy offering you just the right cover for your pet.

The cost of pet insurance can vary according to:

- Type of pet insurance policy

- Amount of cover required

- Your pet’s size and age

- The breed of your dog or cat

- Health of your pet

- Whether your pet has been neutered or spayed

- Where you (or more specifically, your pet) lives

- How much excess you want to pay (just make sure you can afford the amount you decide on).

When working out premiums for your cat insurance or dog insurance, a pet insurance provider will look at each of these factors and assign a risk rating for each one. The higher the collective risk, the more likely you will make a claim – and the higher your pet insurance premiums will be.

As a rule of thumb, the cheapest pet insurance options are accident only. But these also provide the lowest level of pet insurance cover. At the other end of the scale you have lifetime pet insurance policies, which provide the highest level of protection and give you a range of options should your pet require vet treatment at any time in their lives (providing the pet insurance policy has not lapsed, your policy has been renewed each year, and your premiums have been paid and are up to date).

You need to decide how much protection you want to give your cat or dog and decide on the level of pet insurance cover accordingly.

The cost of your pet's vaccinations aren't included on your insurance policy but they are an essential part of keeping your pet healthy.

If your cat or dog falls ill due to something that could have been prevented by a vaccine, your vet bills for treatment won't be covered by your policy.

Comprehensive pet insurance covers emergency vet fees for illness and injury. It doesn't cover your cat or dog for non-emergency treatments, which include:

Pet insurance doesn't usually cover veterinary treatment for pre-existing conditions. This includes any illnesses and injuries that developed or showed signs of developing before you took out your pet cover.

Yes, at Purely Pets, we believe that every animal deserves the best protection, which is why we provide cover from 8 weeks old.

Your beloved pet is entitled to similar policy benefits whether they are 8 weeks or years old. However, things such as death from an illness has an age restriction.

If your pet needs dental treatment as the result of an accident you will have cover from the first year of policy inception.

If dental treatment is needed because of a new illness or injury, it will be covered from year 2 onwards. Routine dental care and pre-existing oral conditions aren't covered. 

Read your policy and cover limits carefully to understand the level of dental cover included in your plan.

Multiple pets can be insured and their policies can be linked but each pet will have their own benefit limits. Therefore, any claims that may happen will not impact the other pet’s policy.

Pet Advice & News

mother dog with her litter

What type of complications can happen after a dog c-section in the UK?


A dog's caesarean section (commonly referred to as a C-section) is a significant surgical procedure often performed as an emergency when a pregnant dog experiences difficulty with natural birth.

Cocker Spaniel sitting in the woods

How to groom a Cocker Spaniel


If you want to keep your Cocker Spaniel looking their best, grooming is essential. Regular brushing and maintenance of their coat and hygiene can help your furry friend stay healthy and happy. In this guide, we will walk you through the steps to properly groom your Cocker Spaniel, from brushing and bathing to ear cleaning and nail trimming.

cat hugging a teddy

How long does heat last in cats


Understanding your cat's behaviour can be quite a challenge, especially when it comes to their reproductive cycle. One question that cat owners often find themselves asking is, "how long does heat last in cats?" In this article, we aim to provide an in-depth look into the oestrous cycle of your feline friend, offering insights into the duration, specific signs, stages, and measures to manage this period in your cat's life.

Our Pet Insurance awards

British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
Ica 2020 Finalist Badge Pet Ins Provider
Mfc 2021 Hc Petins
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
Ica 2020 Finalist Badge Pet Ins Provider
Mfc 2021 Hc Petins
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
Ica 2020 Finalist Badge Pet Ins Provider
Mfc 2021 Hc Petins
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
Ica 2020 Finalist Badge Pet Ins Provider
Mfc 2021 Hc Petins

Find out more

According to the Association of British Insurers report, the average cost of Pet Insurance in 2019 has gone down £8 to £271 annually whilst the average claim has gone up by £29 to £822.

Depending on the type of pet cover you choose, you can be covered for vets bills for accidents, illness, or both up to a fixed monetary amount. Many policies will give you added benefits such as cover for dentistry, loss of pet, third party liability and overseas travel.

We provide dog insurance cat insurance - at a variety of different levels to suit yours & your pets needs.

Pet insurance doesn’t normally cover you for any conditions that already exist before you purchase, so always check this if are looking to move to a new provider or if you are taking out insurance for the first time but your pet has pre-existing medical conditions.

There will also generally be an excess (a fixed amount that you contribute to any claim) or a co-payment excess (normally a percentage of the total claimed amount that you will contribute to any claim) on your policy that you will have to pay.

Other common exclusions for pet insurance are breeds listed under the Dangerous Dogs Act 1991, cover for elective, routine or cosmetic treatment and cover for illness or accidents within a specified waiting period

We offer 15 levels of Lifetime Cover at Purely Pets to suit you and your pets needs. This allows you to find a policy that can suit your requirements and budget. 

These policies offer cover for accidents and illnesses for the pet’s lifetime. This is dependent upon you renewing the policy each year and keeping up to date with premiums. These are usually the most expensive policies, because they provide the most comprehensive cover. All of our Lifetime policies offer you a pot of money per year that will cover all accidents and illnesses. We only offer Lifetime cover to our customers as we believe it is the most comprehensive cover available. Like humans, our pets are more likely to be affected by illness as they get older. This means that every year your insurance premium will increase even if you haven’t made a claim. This increase will be significant if you have claimed.

Purely Pets can provide you with an online quote for your pet in minutes. With a range of lifetime options available offering vets fees cover from £1,000-£15,000 and the option to choose your excess we can help you find the right cover for you and your pet at a price that suits you. We also have a specialist Pet Insurance team that you can call to get a quote or discuss your options in more detail.