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Pet Insurance helps to pay for veterinary treatment for your pet so you are not left with a hefty bill if your pet becomes poorly.
Veterinary care can be very expensive and most cats and dogs will likely need some treatment for an illness or injury at some point in their life.
It’s better to be protected for your little friend knowing if they do become ill, you are covered.
What pet policies do you offer?
We have a range of Pet Insurance Policies and excess to suit all kinds of budget. From Lifetime Pet Insurance, Maximum Benefit Pet Insurance and Time Limited Pet Insurance.
Our Pet Policies
Lifetime Pet Insurance
Lifetime pet insurance is the most extensive pet insurance cover you can get for your cat or dog.
Max Benefit Pet Insurance
Maximum Benefit pet insurance will provide a maximum amount to cover the cost of treatment
Time limited Pet Insurance
Time limited Pet Insurance covers the treatment of each Accidental Injury and Illness for 365 days.
What our Pet insurance covers
- Theft and straying
- Vet fees
- Third party liability
- Complimentary Treatment
- Death from accident
- Death from illness
- Holiday Cancellation
Pet Insurance – A flexible range of cover
Pay monthly, with no interest
3 flexible levels of cover
Friendly UK based call centre
Pet Insurance - Our types of policy
Pet Insurance from Cover My.
We believe that pets deserve the best care and treatment, to get them back on the mend should the unexpected happen. Our Pet Insurance policies and exceptional customer service have been designed to make pet insurance for cats and dogs straightforward, making life better for our customers, and their pets.
We have 3 types of Pet Insurance policies with various levels of cover with benefits that matter, all at an affordable price.
Pet Insurance - Pet Insurance Policies explained
Our 3 types of cover provide you and your dog with a flexible choice of protection that can suit your budget and the appropriate care for your dog. Please see our policy comparison table below, to see the different cover options available
Lifetime Pet Insurance is considered the most comprehensive level of pet insurance. Lifetime will provide cover for ongoing conditions for the duration of the pets life as long as the policy is renewed. CMP levels of cover for £2,000, £5,000 and £10,000 limit on veterinary fees. This is essentially a pot of money, any vet fees you claim for during the policy years comes out of this pot and the pot refills when you renew.
Time limited pet insurance policies have a limit per condition and a limit on how long you can claim for a particular condition, whichever of these limits are reach first would mean that the condition would be excluded moving forward. With Cover My Pet we cover up to £3,000 or 12 months per condition, this can be split over 2 policy years if required (6 months from one and 6 months from another for example).
Max Benefit pet insurance provides a limit per condition, but no time limit on how long the condition can be claimed for as long as you continue to renew your policy. Cover My Pet offer up to £4,000 per condition, once the £4,000 limit is reached the condition would be excluded moving forward.
Trusted Pet Insurance with support you can rely on
Trusted service with support you can rely on
Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.
Quickly settled claims
Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.
Save yourself unforeseen costs
According to the Association of British Insurers, the cost of the average pet insurance claim in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.
Pet Insurance FAQ
Lifetime, Maximum Benefit or Time Limited
This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.
This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.
This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner
Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.
Yes, this can be arranged subject to agreement from your vet
Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.
What is a % Excess?
This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.
- Amount claimed £4,000
- Excess Applying £90
- Amount claimed less excess £3,910
- Co Payment amount at 10% £391
- Payment to Customer £3519
What is the excess amount?
For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.
For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)
For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%
Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes
Why us
WHY COVER MY PET
Flexible Coverage – At Cover My we offer a variety of cover levels including Time Limited, Maximum Benefit and Lifetime cover with flexible levels of vet fee cover from £2,000 – £10,000.
We also offer flexible excess levels from £50-£100 and a further option to add 15% of the remining veterinary fees.
This enables us to provide a cover level and price that are right for you.
Our average claims settlement
£
0
Is your pet covered for vet bills ?
Lumps
Average vet bill
£594 - £1369
Skin Allergies
Average vet bill
£594 - £701
Ligament/ tendon injuries
Average vet bill
£2184
Otitis/ ear infections
Average vet bill
£608
Gastroenteritis
Average vet bill
£666
Pet Insurance Claims Payment
Claims as easy to understand as 'paw'
We’ll provide a clear breakdown of your claim payment and how this will be paid so you can get back to teaching your new pet tricks as quickly as possible.
Included with your policy
Testimonials
What our customers are saying
Exotic Pet Insurance
BPIS Exotic
Exotic pet insurance helps cover the cost of veterinary treatment for your unique companion, so you’re not left with a big bill if your pet becomes unwell.
Whether it’s reptiles, birds, tortoises, or small mammals such as hedgehogs, rats, ferrets, guinea pigs or chinchillas – we’ve got you covered.
Veterinary care can be costly, and exotic animals often require specialised treatment for illness or injury during their lifetime. With the right insurance, you can be confident in the knowledge that your pet will receive the care they need without the added financial stress.
What makes us different?
✓ Policies with up to £5,000 vet fee cover.
✓ Over 90% of claims paid within just 5 days.
✓ Supporting pets and their owners since 1992.
✓ Trusted and recommended by vets and animal charities worldwide.
✓ Feefo Platinum Trusted Service 2024 from our friendly UK team.
We’ve got your exotic pet covered, because every companion deserves the best care.
Horse Insurance
BPIS Horse
Horse insurance helps cover the cost of veterinary treatment for your horse, so you won’t face unexpected expenses if your equine friend becomes unwell.
Caring for a horse comes with unique responsibilities, and veterinary care can quickly become expensive. Having the right insurance means you can focus on your horse’s health and well-being without financial worry.
What horse insurance policies do we offer?
✓ Up to £5,000 per year for Veterinary Fees
✓ Up to 100% Permanent Loss of Use cover
✓ Up to £2,000,000 for Third Party Liability
✓ Up to £12,000 cover for saddlery and tack
✓ Up to £20,000 cover for horse trailer and horse drawn vehicles
Enjoy peace of mind with British Pet Insurance, because your horse deserves the very best care.
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