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About our policy
For more information on what is or is not covered under the policy, please read the Insurance Product Information Document or the policy wording.
The annually renewable Petguard pet insurance is insured with Covea Insurance plc and is one of the most flexible policies available today:
- 4 different choices of annual vet fees cover
- Available to pet of any age (from 2 months)
- 10% discount if you insure more than 1 pet (via our call centre)
- Optional additional benefits including theft or straying, holiday cancellation, emergency boarding, advertising and reward costs
- Optional overseas travel cover
- Optional third party liability cover (for dogs only)
The benefit of this is that you can build a policy to suit your needs and those of your pet, saving you money by not having to pay for cover you don't need or will never use
Vet fees cover
We provide an annual level of cover. If you are unsure about what annual cover is just vist our Jargon buster page
4 different choices of annual cover: £7,500 / £6,000 / £3,000 / £1,000
You can claim up to £200 per year for training and behavioural treatments which can be particularly useful if you have a young or re-homed pet. Also within your chosen vet fees limit we cover up to £200 for clinical diets and up to 25% of your annual cover limit for complementary treatment.
Sometimes the unexpected happens and our additional benefits option is there to provide you with financial support to cover costly events which may happen, sometimes as a result of a pet's illness or injury.
For instance, we can help relieve the additional stress of caring for your pet if you suddenly needed to go into hospital or to provide help with advertising costs and a reward should your pet go missing.
|Cover benefit||Limit of cover|
|Emergency boarding or daily minding fees||£1,500 per year|
|Advertising and reward costs||£1,500 per year|
|Theft or straying||£1,500|
|Death due to accident||£1,500|
|Death due to illness (maximum age 5 years)||£1,500|
|Holiday cancellation (£75 excess)||£5,000 per year|
|Accidental damage to third party property (£75 excess)||£500 per year|
A useful option if you use (or are planning on using) the Pet Travel Scheme for your pet to join you on a holiday to Europe, Channel Islands, Isle of Man or the Rupublic of Ireland. The Pet Travel Scheme allows you to take a pet into one of the participating countries without them having to go into quarantine. The maximum trip length is 60 days.
The overseas travel option extends the vet fees, additional benefits and the liability option if selected in the UK, as well as providing some extra travel related benefits, just in case.
|Cover benefit||Limit of cover|
|Vet fees extended to include treatment outside of the UK||Yes|
|Additional benefits (if selected) extended to include outside of the UK||Yes|
|Liability section (if selected) extended to include events occurring outside of the UK||Yes|
|Loss of Pet Passport||£250 per period of insurance|
|Emergency expenses||£1,000 per period of insurance|
|Quarantine costs||£2,000 per period of insurance|
|Repeat worming treatment (dogs only)||£250 per period of insurance|
Should your travel plans change you can add this cover on your policy at anytime.
This option is for dogs only.
You may be held legally liable if your dog damages another person's property or causes them death or injury. This option would provide financial cover up to £1 million per event.