So you have decided to get your pet insured, but now you are faced with a number of policies to choose from! Here at Purely Pets we offer 15 levels of Lifetime Cover - allowing you to choose the policy that suits your budget and requirements.
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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, a Free 24/7 Video Consultations with a Vet and an online policy management portal which all give you greater flexibility in managing your policy and your time.
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 its life. Treating those issues doesn’t come cheap, which is where 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 an 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 and for that you need a pet insurance policy in place.
- 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 insurance when your pet is healthy (i.e. before they develop any health issues).
Why are more people taking out insurance for their pet?
There are more pet owners in the UK than ever before. According to data from the Pet Food Manufacturers Association, 3.2 million households acquired a pet since the start of the pandemic. That means there are now 34 million pets in the UK – including 12 million cats, 12 million dogs, and 3.2 million small mammals (such as rabbits and hamsters).
And more pet owners mean more insurance policies. Data from the Association of British Insurers (ABI) reveals that the number of people purchasing pet insurance increased by 4.5% to 3.7 million in 2021. During the same period, insurance companies processed a record £872 million in insurance claims.
In fact, some owners want to protect their pet’s health more than they want to protect their own. Research suggests people are three times more likely to take out pet insurance than critical illness cover.
We really are a nation of pet lovers
How much does cat insurance and dog insurance cost?
There are a number of factors that determine how much you pay for insurance for your pet dog or cat.
No pet is the same, 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 by a vet
- 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, an 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 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 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 insurance cover accordingly.
How do I compare pet insurance?
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 get personalised pet insurance quotes that meet your pet’s needs. But first, you’ll need to provide the following information to the 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 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 insurance to protect your older pet.
What pet insurance policies are available?
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 amount 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 if illnesses are short term.
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 insurance. Get an instant pet insurance quote today.
What are the risks of not having a pet insurance policy?
For many pet owners, the idea of not having pet insurance is unthinkable. Should your pet become unwell, you risk having to make a heart-breaking choice: whether to pay for your pet’s vet care and risk falling into debt, or not pay and watch them suffer unnecessarily.
There is also a risk that if your dog or cat caused injury to someone else or their property, you may have to pay any legal costs.
Finding the right insurance for you and your pet really does pay off in the long run.
How can I save money on lifetime pet insurance?
Lifetime cover lets you give your pet the protection they deserve. If cost is making you think twice about taking out insurance, here are some of the ways you can save:
- Increase your excess: A higher excess (the initial part of the claim that you pay for) will help lower premiums.
- Choose multi-pet insurance: If you have more than one pooch or a collection of moggies, taking out multi-pet insurance can help you save.
- Get your pet microchipped: Having your pet microchipped may help you save. Ask your vet for more information.
Want to find out how to save time and money on your pet insurance? Discover our latest pet insurance guides for the lowdown on why insurance for your pet is so important.
Why choose Purely Pets
24/7 Free Video Calls with a Vet
Choose an excess from £80
Online claims
Direct payment to vet
15 levels of Lifetime cover
Lifetime cover up to £15,000
No upper age limit
Online customer policy management
Award winning Pet Insurance
Select your level of cover
For your dog
Explore
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Third party liability (dogs only) £1M
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
For your cat
Explore
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
For your dogs, your cats or both
Explore
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Third party liability (dogs only) £1M
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Third party liability (dogs only) £1M
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Excess starting from £80
- Complementary treatment £500
- Special diet £100
- Third party liability (dogs only) £1M
- Death from illness £1,000
- Death from accident £1,000
- Boarding Fees £1,000
- Holiday cancellation £1,000
- Loss by theft/straying £1,000
- Advertising and reward £1,000
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Excess starting from £80
- Complementary treatment £750
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £1,500
- Death from accident £1,500
- Boarding Fees £1,500
- Holiday cancellation £1,500
- Loss by theft/straying £1,500
- Advertising and reward £1,500
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Excess starting from £80
- Complementary treatment £1,000
- Special diet £100
- Third party liability (dogs only) £2M
- Death from illness £2,000
- Death from accident £2,000
- Boarding Fees £2,000
- Holiday cancellation £2,000
- Loss by theft/straying £2,000
- Advertising and reward £2,000
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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.