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
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Protecting your furry friend’s well-being!

Your pet is an essential part of the family, providing companionship and love.

Unforeseen accidents and illnesses can strike at any time, and pet insurance provides financial assistance during those moments, allowing you to focus on your pet’s recovery rather than worrying about the costs.

3 reasons to take out pet insurance

Let’s explore 3 reasons why you might want to consider purchasing pet insurance for your furry friend

Medical issues can be expensive to treat
Medical issues can be expensive to treat

Modern vet care is extremely advanced – it can include complex surgery, chemotherapy and diagnostic tests.

But such advanced procedures can mean hefty vet bills for your dog or cat. The Association of British Insurers reports that the average dog insurance claim in 2022 was around £800 and the average cat insurance claim was £648.

Seeking the right care should be a choice
Seeking the right care should be a choice

When your pet is unwell, you want to give them immediate, professional vet care. If you want to focus on choosing the best care for your pet, and worry less about paying for treatment, you may find Pet Insurance is very useful in making your choices.

Get cover before a medical issue develops
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 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).

The Purely Pets Promise

We’re here for you and your cherished pet, every step of the way. From (not so!) perfect puppy and crazy kitten to sweet senior and all those moments in between.

Why choose Purely Pets

24/7 unlimited video calls with a Vet
Online claims management
Direct payment to vet
Lifetime cover up to £15,000
No upper age limit

Select your level of cover

Congratulations on making the decision to protect your pet with insurance!

We offer lifetime cover with 15 vet fee options, providing flexibility to suit your budget and your pet.

Lifetime Bronze

Cover Level Dog And Cat
  • Lifetime cover
  • Vets fees from £1,000-£5,000
  • Flexible Excess Options
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Defaqto 5 Star Rating applicable to Dog Vet fees £6000+ and Cat Vet fees £8000+


Save Money Illustration

How can I save money on lifetime pet insurance?

We understand that cost may be an important consideration, so here are some ways to ensure your pets wellbeing without breaking the bank.

  • Select a higher excess: A higher excess (the inital part of the claim that you pay for) will help lower premiums.
  • Stay on top of non-emergency care: Making sure that your pet is up to date with their vaccinations, flea treatments and has been spayed or neutered.

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 get personalised pet insurance quotes 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 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 caused injury to someone else or their property, you may have to pay any third party liability legal costs.

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

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.

However young, sprightly and healthy your furry friend may be, it's always worth having continuous cover in place. You never know when your cat or dog will suddenly get into an accident or fall ill unexpectedly.

If seeing your pet suffer isn't stressful enough, a huge vet bill on top is enough to make the situation much worse.

With a lifetime plan from Purely Pets in place, we can cover treatment costs for the veterinary care your pet needs to get it back to its best in no time.

Just make sure you read your policy documents carefully so you know what's covered.

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:

  • Vaccinations

  • Flea treatments

  • Grooming

  • Spaying and neutering

  • Microchipping

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. Just be aware that even the most comprehensive pet insurance doesn't cover your senior cat or dog for pre-existing conditions.

If your pet needs dental treatment as the result of a new illness or injury since your plan started, it will only 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.

Yes, 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.

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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.

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 ranging from £1,000-£15,000 to cover vet fees - allowing you to choose the policy that suits your budget and requirements.

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

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.

Our Pet Insurance awards

British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards
British Claims
Insurance Choice Awards
Moneyfacts Consumer
Uk Brooker Awards