*Discount automatically applied

Pet Insurance

12 months for the price of 11

*Discount automatically applied

Key features

It's a sad fact that our beloved pets fall ill or injure themselves, often through no fault of their own. What can make it worse is the increasingly expensive cost of treating cats and dogs. Our cover has been designed with animal lovers in mind, which is why we can offer a 10% discount when you insure more than one pet with us. Maximum of 5 pets per policy and all pets must have the same cover. Take a look at what we can offer you, or if you’d prefer, speak to our friendly and knowledgeable UK centre staff who will be happy to help.

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Veterinary Fees

Choose from three different levels of vet fees cover, which includes up to £12,000 towards your annual vet fees. We can also provide up to 25% of complementary treatments prescribed by your vet. You cannot claim for vet fees within the first 14 days of starting your cover.

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Accident & Illness

Protect your pet with our Accident Only cover or choose our Accident & Illness cover in case they fall ill. Read more about our levels of vet fee cover and find out which suits you.


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Emergency Boarding

Suffered an accident that requires emergency treatment? If you can’t look after your pet then we can cover the cost of daily minding or boarding fees of up to £1,500 while you’re on the mend.


Holiday Cancellation

Have you had to cancel or cut your holiday short because your pet is seriously ill? We can provide up to £5,000 towards the cost of a cancelled trip if your pet has gone missing or fallen seriously ill. Exclusions apply to conditions and illnesses.

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Accidental Damage to Pet Accessories

If your pet’s cage or tracking device gets damaged or stolen, we can provide up to £500 to repair or replace it. Accessories or pet-related equipment must be owned from new and security requirements apply.

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Vet Transportation

If your vet recommends that you visit another vet or specialist for a referral, we can provide up to £200 to cover your travel fees and overnight stays to make sure you get there. 

Our optional extras

We also offer optional extras that can provide not only cats and dogs, but their owners with even more cover. Our extended cover includes up to 60 days of travel cover per trip so your pet can join you on holiday, as well as up to £2million in liability cover if your dog gets into bother with a third-party. So, if your cat is a long-time companion or your dog is a valuable work partner, our optional covers can provide even more in the way of protection for the pets who rely on you.


Overseas Travel

We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses. Maximum 60 days of cover per trip.


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Dog Liability

Up to £2million per event in Public Liability insurance available if your dog injures someone or damages property. If your dog gets you into bother then we can help. Conditions apply.


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What our petGuard customers say

We pride ourselves on delivering a personal service to every pet owner that we help protect. You don't have to take our word for it though - check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.

Why choose petGuard?

Unfortunately, thousands of cats and dogs are beset by serious illness or are hampered by injury every year. Up and down the country, some of our closest companions suffer from debilitating afflictions and the cost of treatment can often be as much of a shock to the owner. Operations and other emergency treatments can sometimes run into the thousands of pounds, so it makes sense to consider getting your pet insured. We’re serious about providing your pet with the protection their loyalty deserves. Our policies cover house pets as well as working dogs, so if your dog assists you with your day-to-day activities, we can make sure that they’re back on their feet as soon as possible.

20 years of Guardcover

Guardcover, from Thistle Insurance Services, is a leading brand of specialist leisure insurance focused on fulfilling the varied insurance needs of our customers. Since 1998, we've built up a reputation for excellence and a unique understanding of what you value. In that time, we’ve been there to protect:

  • Cyclists
  • Musicians
  • Photographers
  • Property owners

As a specialist insurer, we know that standard insurance policies may not offer the peace of mind you need. That’s where Guardcover can help protect the things that matter to you. Whatever you’re serious about, we can help protect it.

Information and guides

Need more information? Our full list of FAQs are available below, as well as a link to your customer account where you can access information about your policy.

Types of pet we cover

Whether you’re a long-time cat owner or you’ve just welcomed a new puppy into your home, our cover has been designed with pet owners in mind. We know that cats and dogs play a big part in your daily life, so it’s important to provide them with the protection their loyalty deserves. Our insurance covers kittens and cats; young puppies and working dogs. Take a look at what we can offer you and your pet below. 

Dog Insurance UK


They say that dogs are man’s best friend and because of this, we can make sure that your companion is given the protection that their loyalty deserves.


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Puppy Insurance


Looking after a young pup can be a lot of work. Our cover for puppies can lend a helping hand when it comes to keeping up with rising medical costs.


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Working dog insurance

Gun Dogs

A lot can happen to your gun dog while they’re in the field. Our cover is designed to protect you against the cost of vet fees and more while you’re on a shoot.


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Working dog insurance

Working Dogs

You'll need your dog is back on its feet as soon as possible. That’s why we can contribute to the vet fees that your dog accumulates. Can't claim within 14 days of cover starting.


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Cat insurance


If you value the low-maintenance lifestyle of being a cat owner, then you’ll want an insurance policy that is just as hassle-free as your feline friend is.


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Kitten Insurance


Inquisitive and sociable, kittens like to roam. When they do, we can make sure that they're protected if they come into contact with any nasty illnesses or injury.


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Policy documents

For customers incepted on or after September 23rd 2019, you can click below to access your policy wording.

Policy Wording - Policies before September 23rd 2019

For customers incepted before September 23rd 2019, you can click below to access your policy wording.

Recent posts

Your pets mean the world to you. So if you can’t get enough of your faithful old dog or crafty cat, our articles section might be just what you’re looking for. Here, you can settle into your favourite chair and enjoy our tips, guides and shared experiences of being a pet owner. One thing’s for sure, they’re bound to give you paws for thought!