Affordable Dog Insurance with 20 years' experience
Get a dog insurance quote with petGuard pet insurance
As a pet owner we know that your furry friends are affectionate and loyal, in fact they're part of the family. At petGuard we know you'll want to look after your pet by giving them the best dog insurance you can, with cover that will help you look after their health and wellbeing.
We can help you insure your dog or puppy with specialist pet insurance for dogs. Our cover can help with contributions toward the cost of veterinary costs if your dog is injured or becomes unwell. Vet bills can be expensive, especially if you have an older or working dog, so we're also able to provide dog insurance for older dogs, and insurance for working dogs too.
Compare dog insurance cover
Accident Only - You can claim for your pet’s veterinary treatment in the event of an accident. This can be more affordable pet insurance for dogs. The actual cost will depend on your pet.
Accident & Illness - This is the most comprehensive type of pet insurance that we provide. It covers the cost of veterinary treatment in the event of an accident or illness.
With both of our policy options, you can claim for on-going conditions so long as the policy is renewed. This is known as lifetime dog insurance. Cheap dog insurance might not provide the right level of cover, read the full policy wording here.
Over 20 years of Guardcover, supporting your passion
Why choose petGuard?
We've been helping people protect their pets for over 20 years with 150+ 5 star reviews. We can help you get your dog the best veterinary care with a range of policies and optional extras including overseas travel cover and dog liability insurance. We include the below benefits as standard.
Unlimited Access to FirstVet
Free 24/7 access to the FirstVet, 365 days a year.
0% Monthly Payment
Spread your dog insurance costs across the year.
Accidental Damage to Pet Accessories
£500 to repair or replace damaged cages & tracking devices.
Dog Insurance for your needs & budget
Is dog insurance worth it?
Insuring your dog isn't required, but it can bring peace of mind to have cover should your dog be in an accident or suffer an injury. You can tailor your policy by choosing the level of vet fees covered, and we can offer a discount if you want to insure more than one pet on the same policy.Get a quote
How does our vet cover work?
We offer three levels of vet fee cover, which means that you can be covered for up to £3,000, £6,000 or £12,000 per year if your dog is ill or has an accident. Excludes any claims within the first 14 days of purchasing cover and any pre-existing conditions.
Have more than one pet?
Include more than one dog or cat on the same policy and we’ll automatically include our multi-pet discount. You can include up to five pets on the same policy and they will each be covered for the same vet fee amount that you have chosen. Sorry, we can’t offer cover to dog or cat breeders.
Can I get pet insurance for an older dog?
Yes, with our cover you can apply for insurance for an older dog no matter their age. If you’ve got a dog over eight years of age and you’re making a claim for their vet fees, then the excess that you must pay is the first £150, plus 20% of the remaining cost of treatment. The excess applies to each condition claimed for annually.
The best dog insurance optional extras for further peace of mind
Dog Travel Insurance - We provide cover for vet fees when you travel abroad, as well as providing up to £1,500 to cover emergency expenses. Maximum 60 days cover per trip.
Dog Liability Insurance - Up to £2million per event in Public Liability insurance available if your dog injures someone or damages property and you are held liable. Conditions apply and cover only applies in the UK. Some dog breeds cannot be covered by our liability option.
Some of the dog breeds that we cover
Find out which types of dog we cover
Frequently asked questions about pet insurance for dogs
Find out more about our pet insurance for dogs
Got a question about our cover for your dog? Or want to know more about dogs in general? We’ve answered a few questions for you here!
What is dog insurance?
Dog insurance is designed to protect you against the cost of vet treatments, should your dog fall ill or get injured. Some providers also cover you if your dog passes away, if they’re lost or stolen, or if they cause damage to a third party’s property.
Do I need to insure my dog?
Insurance for dogs isn’t compulsory. But it’s worth remembering that owning a dog can be expensive. For example, the cost of vet bills has risen steadily over the past few years. If your dog were to become ill or suffer an injury, could you afford to pay for treatment? Pet insurers paid out over £750 million in vet bills in 2019, that’s the equivalent of £2 million every day. By choosing dog insurance, you can give yourself financial protection if something were to happen to your dog.
What is the difference between Accident and Illness dog insurance and Accident Only dog insurance?
Put simply, Accident and Illness dog insurance protects your dog from accidents that may arise, as well as illness and sickness, which requires medical attention. Accident and Illness insurance is suitable for you if you want some financial protection against the cost of vet bills, should your dog fall ill or suffer an accidental injury.
Accident Only dog insurance is suitable for you if you only want to cover yourself against the cost of vet bills, should your dog suffer an accidental injury only, not if your dog falls ill. Some people choose Accident Only dog insurance while their dog is still a puppy and less at risk of developing a health condition.
When can I get pet insurance?
Insurance for your cat or dog can start as soon as possible! Our cover starts for cats and dogs aged eight weeks and over. We cannot cover claims arising within the first 14 days of your insurance starting and pre-existing illnesses and conditions are not covered.
Pet insurance for dogs with Public Liability
Public Liability insurance for your dog, sometimes referred to as Third Party Liability insurance, can provide up to £2million per event if your dog injures someone or damages property and you are held liable.
If you’re out for a walk with your dog and they were to knock somebody over, then we can keep you covered if you’ve chosen our Public Liability option. Heading out for a dog walk shouldn’t end in hefty compensation costs, which is why we offer dog owners Public Liability protection for claims of property damage or injury from a third party.
Cover only applies in the UK.
Some dog breeds cannot be covered by our Third Party Liability option, see “Are there any breeds of dog that you are unable to insure?” For assistance dogs to qualify for Third Party Liability cover, they must have been trained by a member of, and within the guidance of, the organisation of Assistance Dogs UK.
How long is a dog insurance policy valid for?
Standard dog insurance policies usually last for a 12-month period. After this time, you’ll need to renew the policy you have, if you want to keep the cover in place. If you choose to look elsewhere for your policy, then be aware that any long-term or pre-existing conditions will probably not be covered by a different pet insurance provider.
How does dog insurance work for vet fees?
Having insurance for your dog means that you can be covered against the cost of potentially very expensive trips to the vet.
You get to choose either Accident Only cover or cover for Accident and Illness for your dog. We offer three levels of vet fee cover, which means that you can be covered for up to £3,000, £6,000 or £12,000 per year.
If your claim has been successful, then we can pay the agreed amount, less any excess, either:
- Straight into your bank account so you aren't left out of pocket, or;
- To your vet if this is more convenient for you and your vet.
All vet fee claims are handled in the UK by Covea Insurance. While your claim is being dealt with, you can receive regular updates on its progress via email or text message.
Can I get pet insurance for a mixed breed dog?
Yes! Our dog insurance includes mixed breed dogs, as well as pedigree and cross breed dogs. If you’ve got a mixed breed pooch, then we can include them on your policy.
Unfortunately, we cannot cover (whether pedigree, cross breed or mixed breed) any of the following: Dogo Argentino, Fila Brazillero, Japanese Tosa, Pit Bull, Shar-Pei, Wolf or Wolf Hybrid dog and any animal registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments.
There are additional breeds that we cannot cover for our optional Third Party Liability cover, see “Are there any breeds of dog that you are unable to insure?”
Do you cover BOAS in dog breeds such as French Bulldogs and Pugs?
BOAS (Brachycephalic Obstructive Airway Syndrome) is a condition which is a progressive disorder that can impair the ability of certain breeds of short nose dog to exercise, play, eat and sleep.
We are able to consider claims provided that there are no pre-existing signs, symptoms or advice provided by a vet. In practice this usually means that the dog has to be insured with us from a very young age.
Are there any breeds of dog that you are unable to insure?
Unfortunately, for all of our policies, we cannot provide any vet fees or liability cover for any animal registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments; or (whether pedigree, cross breed, mixed breed or known or classed as the names listed) an Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Brazilian Mastiff, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Chinese Shar Pei, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, East Siberian Laika, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Racing Greyhound, Sarloos Wolfhound, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid and Wolfdog.
Can I get insurance for guard dogs?
No, we cannot cover pets that are used for guarding.
Can I get insurance for crossbreed dogs?
Yes, we are able to cover a crossbreed dog.
Making a claim with petGuard
We’ve made making a claim so easy
If something has happened to your pet, then we're very sorry to hear it. If you find yourself needing to make a claim against your policy, then we'll tell you what your next steps are and how you can get in touch with us.
1. Get in touch
If you need to make a claim (excluding Third Party Liability claims), then feel free to contact our UK-based claims team. Once you've made a claim, we can keep you updated regularly by text or email. Make your claim by either calling Covea Insurance on: 0333 130 4534
Alternatively you can email:firstname.lastname@example.org
2. Worried that your pet is lost or stolen?
Cat owners will need to contact local rescue centres within 24 hours of your cat going missing. Dog owners must contact the police immediately if you suspect your dog has gone missing or has been stolen.
3. Make your claim
If your claim has been successful, then we can pay the full amount either:
- Straight into your bank account so you aren't left out of pocket, or;
- To your vet, if this is more convenient for you
Claims are handled in the UK by Covea Insurance. While your claim is being dealt with, you can receive regular updates on its progress via email or text message.
For Dog Liability claims, please contact Ageas Insurance by either phone:
0345 415 0495
Your policy document explorer
Documents apply to all pet insurance policies purchased from 27/09/2020 onwards.
Existing customers: If you purchased your policy before the date shown above, you can log into your account where you can view, amend, and renew your documents here. If you have not already signed up for an account, then you can register here.
If you purchased your policy before 23rd September 2019, please contact us on: 0345 450 7042