Dog insurance

20% discount off specialist dog insurance*

*Discount automatically applied. Available for new petGuard policies incepted from 30th Jan 2020.
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Specialist dog insurance from petGuard

Protect your dog with the right cover

As a dog owner, we know that you want to repay the affections of your pet by making sure that – if the worst does happen – your dog insurance will help. We know that you will want to make sure that your dog is given the protection that their loyalty deserves. That’s where we can help.

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Over 20 years of Guardcover, supporting your passion

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What's included in your dog insurance?

See how petGuard can protect you and your dog

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We make it easy for you to find the right policy for your pets.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Multi-pet Discount

Cover multiple pets on one policy, saving you time and money.

Specialist insurance for dogs from petGuard

Why protect your dog with petGuard?

Our insurance for dogs is designed to make things easier. Take a look at what we can do to ease some of the stress of looking after your dog. 

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.

Need somewhere for your dog to stay?

If you can’t look after your dog then we can cover the cost of daily minding or boarding fees of up to £1,500 while you’re on the mend.

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 5 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.

Holiday cancelled last minute?

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

Pet accessories taken a knock?

If your dog’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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Optional dog insurance cover

Overseas pet 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 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. If your dog gets you into bother then we can help. Cover only applies in the UK. Some dog breeds cannot be covered by our liability option.

Which types of dog do we cover at petGuard?

Find out which types of dog we cover

Frequently asked questions about dog insurance

Want to find out more about our dog cover?

Got a question about our cover for your dog? Or want to know more about dogs and puppies in general? We’ve answered a few questions for you right here!

If you’ve got more than one dog, then why not look at multi-pet insurance?

Instead of having each of your dogs on different pet policies, with our multi-pet insurance, you can save any hassle and take advantage of our multi-pet discount.

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 - or someone that’s looking after your dog with your permission - 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.

Yes! Our pet insurance includes older dogs. If you’re looking to get insurance for your long-time companion, or whether you’ve recently taken in an older dog, then we can provide you and your dog with cover.

What about dogs over 8 years of age?

Much like us, as dogs get older their health and behaviour may have changed since they were a young pup. This might mean that they need more frequent trips to the vet. Their treatment can even be complicated by their old age and therefore potentially more expensive.

If you’ve got a dog over 8 years of age and you’re making a claim for their vet fees, then the excess that you must pay is:

• The first £100

• Plus 20% of the remaining cost of treatment

The excess applies to each condition claimed for annually.

Owning a dog can come with those unexpected surprises. Dog insurance can help you when you’re given a particularly nasty surprise, but is it worth it?

All too often, dogs fall ill or suffer injury. That’s why with our dog insurance, you can get up to £12,000 a year to help cover those unexpected vet bills.

You never know when your dog could end up hurting themselves, so that’s why you can choose between either our Accident Only cover, or cover against Accident & Illness to protect you and your dog against the nasty surprises that could come your way.

No dog owner ever wants to make a claim on their pet insurance but having dog insurance means that you can be safe in the knowledge that you’ve got cover in place in case something goes wrong. We can also offer up to £1,500 in local advertising and reward costs if your pet has gone missing for over 24 hours and up to £500 to cover accidental damage to your pet accessories as standard.

Any claim for accidental damage to pet accessories requires a £50 excess and your accessories must have been owned from new. Insurance can start for dogs over 8 weeks of age. We cannot cover any pre-existing conditions; nor any claim for a condition or illness within the first 14 days of cover starting.

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 & 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.

Yes! Our Accident Only cover still offers you the same great choice of annual vet fee cover options for £3,000, £6,000 or £12,000.

Dogs can suffer injuries when you least expect it. Whether they’ve hurt themselves while out for a walk, or if playtime has ended in a trip to the vets.

Our Accident Only policy provides you with an uncomplicated level of cover for your dog which aims to protect you against potentially expensive trips to the vet to treat your dog for an injury.

Vet fees arising from illnesses that your dog may be suffering from are not covered and the excess you will be required to pay for treatment for injury depends on the age of your pet. Unfortunately, we can’t cover any pre-existing conditions; nor claims for injury within the first 48 hours of your cover starting.

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?”

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.

Yes, we are able to cover working dogs. This would include a dog that is being used for shooting, hunting, or working with livestock. Also a dog that performs tasks to assist a human companion, including therapy dogs.

Unfortunately, for all of our policies, we cannot provide any cover (whether pedigree, cross breed or mixed breed) for 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.

For those that choose our Third Party Liability cover option, we cannot provide the Third Party Liability cover in any circumstances for any insured dog that is required to be registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments, or any American Bulldog, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, or any dog crossbred or mixed with any of these breeds.

No, sorry – we cannot cover pets that are used for guarding.

Yes, we are able to cover a crossbreed dog.

Yes. You must be a UK resident and domiciled in the UK.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

Your pet must be 2 months old at the start date of cover. There is no maximum pet age to apply for this insurance, but there are age limits on cover sections.

Death due to illness is limited to pets under 5 years of age at the time of the incident. Full details are found in the policy wording.

Provided that you have chosen our Accident & Illness cover we will refresh your veterinary fees benefit each year allowing you to claim for ongoing conditions on your dog insurance for as long as the policy is renewed without any breaks in cover.

Yes. Depending on the type of cover you select we are able to cover treatment provided that it is related to an accident or illness.

Yes there is an excess you will need to pay in respect of each illness or injury for which you wish to claim each year. These are as follows:

Veterinary Fees

For each illness or injury arising during each period of insurance your excess will be:

• For pets under 8 years of age at time of treatment: The first £100.

• For pets older than 8 years of age at time of treatment: The first £100 plus 20% of the remaining cost of treatment.

Holiday Cancellation

• The first £75 of the claim.

Accidental Damage to Third Party Property

• The first £75 of the claim.

Accidental Damage to Pet Accessories

• The first £50 of the claim.

Emergency Expenses

• The first £50 of the claim.

Third Party Liability

• The first £250 of property damage claim.

No, sorry - we cannot provide cover for pets that are used for breeding. There are special policies for their specific risks, and we suggest you speak to your vet or local insurance broker for help finding suitable cover.

We offer a choice of 3 annual benefit levels. You can insure up to the chosen limit each year & provided that we are able to offer renewal and you renew without a gap in cover the benefit will be reinstated for the next period of insurance. This means that you can claim for chronic or ongoing conditions such as arthritis, diabetes, heart or skin conditions whilst the policy remains in force.

We need some details about you and the pet you wish to insure together with either bank account or debit/credit card details for payment of the premium.

This is something we are able to do provided that your vet is happy with this arrangement.

We look at a number of factors including the age and breed of the pet, the risk of chronic or recurring conditions associated with certain breeds, the area the pet lives in and any claims history.

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: claims@petadminteam.com

For Third Party Liability claims, contact Ageas Insurance Ltd on: 0345 415 0495

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

Your pet can be covered abroad if you select the Overseas Travel cover, providing your pet complies with the Pet Travel Scheme (PETS).

Overseas Travel can be a useful option if you are planning to take your pet on holiday with you. This allows you to travel with your pet to anywhere in Europe (including Channel Islands, Isle of Man & the Republic of Ireland) for up to 60 days at a time.

Now that the UK has left the European Union, you should consult the government’s website for the latest information and/or speak to your vet about how this may impact your travel after 1st January 2021.

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:

claims@petadminteam.com

 

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

All claims, apart from Third Party Liability 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 Third Party Liability claims, contact Ageas Insurance Ltd on: 0345 415 0495

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Your policy document explorer

Take a moment to explore the details of your cover in the policy documents below. Documents apply to all pet insurance policies purchased from 23/09/2019 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 right 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

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