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Dog and Cat Insurance

Help to look after your beloved dog or cat for our existing home insurance customers

Pets aren’t just animals, they’re an important part of the family. And if something should happen to your cat or dog, the last thing you’d want to be worrying about is vet’s bills.

With our Dog and Cat Insurance you can choose to include cover for vet’s fees after an accident, illness or disease, as well as protect you against their loss, so you can concentrate on taking care of them.

We also include alternative treatments should a vet recommend them and we’ll cover costs if you need to pay for professional rescue or recovery.

We’ve got years of experience looking after pets – talk to us about first-class cover for yours, and peace of mind for you.

  • 300 local branches offering personal, tailored care
  • No quibble claims
  • No admin fees for changes to your policy and no charges on Direct Debit, credit or debit card payments

Things you should know

Cover availability and the premium you will pay for your pet can vary depending on its age at the start of your policy, and at renewal. 

After your dog or cat's 10th birthday, cover may be reduced depending on the health of your animal. This means they'll only be protected after an accident, not against illness or disease.

All cover will stop after their 15th birthday unless you have taken out the Permanent Health Extension cover, which provides full cover throughout the time your dog or cat is insured with us.

To be eligible for the Permanent Health Extension your animal must fulfil a number of acceptance criteria, one of which is being less than 7 years old at inception. The Permanent Health Extension is not available for working dogs. 

PROTECTION OF YOU AS AN OWNER, AS STANDARD

  • Legal liability as a dog owner, up to £2.5 million with Home and Lifestyle policies and up to £10 million on NFU Mutual Bespoke Insurance
  • Personal legal expenses up to £50,000 for Home and Lifestyle policy holders and up to £100,000 with NFU Mutual Bespoke Insurance, to provide you or your family with advice and help with the cost of legal representation - including a 24 hour advice helpline
  • Access to a 24 hour emergency helpline. 

TAILOR YOUR COVER TO SUIT YOU AND YOUR ANIMAL WITH OPTIONAL COVER

  • Vet's fees following an incident up to £2,000. Includes quarantine and emergency boarding and transports costs. You can increase your cover up to £3,000 or £4,000. 
  • Cover for loss of animal up to purchase price. For working dogs we'll pay either the insured amount you have chosen or market value, whichever is less. We can even help your search in the event of loss.
  • Permanent Health Extension cover, full cover throughout the time your dog or cat is insured with us.

We can explain what limits and exclusions apply, so you can ensure the cover is right for you – or take a look at our policy reference booklet for more details.