Overseas travel cover for cats and dogs
What's included in our Overseas Travel cover?
Our Overseas Travel cover can provide you and your pets with the insurance you need to help make sure that your holiday goes swimmingly. With our extended Overseas Travel cover, the same great benefits that you already receive in the UK will automatically join you over in Europe, the Republic of Ireland, the Isle of Man and the Channel Islands. Please note that if you have chosen our Dog Liability Insurance option, then this cover only applies in the UK.
We know that you want to sit back and relax while you're on holiday, but sometimes this can be hard if you're worrying about your dog being bitten by ticks or missing your flight home. So that's why we also offer additional benefits as part of our overseas cover that can help, including:
Loss of pet travel documents
We can replace your pet’s pet travel document should it become damage or lost. If your pet can’t travel or you lose the travel documents while you’re away, then we can cover the cost of a replacement. Loss must be reported to your vet within 24 hours.
If your pet’s microchip fails, we will cover the kennelling and costs incurred in getting new pet travel documents for your pet. If your pet has to go into quarantine due to illness, where you have complied with all the required regulations of the Pet Travel Scheme, we will cover the kennelling.
What is not covered:
- Any amount exceeding £2,000 during the period of insurance.
- Any costs incurred if the microchip was not checked and found to be functioning properly within 14 days of your departure on a journey.
- Any costs arising in respect of any condition of which you were aware before the start of the journey.
- Any costs resulting from a pre-existing medical condition.
We can offer up to £1,500 to cover travel and accommodation fees should you miss your departure because your pet requires emergency treatment. Pre-existing conditions or treatments that your pet doesn’t need aren't covered.
How much can I be covered for, when I'm abroad?
While you and your pet are abroad, our Overseas Travel cover can provide you with the protection you need to safeguard against things that may go wrong while you're on holiday. Our cover includes:
- Emergency expenses: Up to £1,500 per period of insurance to cover the loss of pet travel documents while you're away and up to five days of travel and accommodation costs should your pet either go missing, require emergency vet treatment, or you miss your return flight to the UK because of the loss of pet travel documents.
- Quarantine costs: Up to £2,000 per period of insurance to cover the cost of kennelling and boarding fees if you need to stay on to get new pet travel documents due to a failed microchip or if your pet has contracted an illness despite you complying to Pet Travel Scheme rules.
Overseas Travel cover can be added to your pet's insurance at any time during your period of insurance. So, if you started your policy at the beginning of the year and are planning a holiday now, you can extend your cover to bring along your pet.
If you have multiple pets insured with us however, all of those pets will need to be on the same policy, which will need to be extended to include Overseas Travel insurance. If you have also included our Public Liability cover for dogs, be aware that Public Liability cover only applies in the UK.
How long will my pet be covered for?
Got a long break in the sun but are worried about when the cover for your pets is going to expire? With our insurance, you shouldn't have to worry! You can travel within Europe with your pet as many times as you like a year, as long as your trip away lasts no longer than 60 days each time. We aren't ones to tell you that you shouldn't have a holiday, so you can take as many trips as you like within the year and we can keep your pet covered.
How will Brexit affect travelling with my pet?
With effect from 1st January 2021 there are new procedures that you will need to follow when travelling overseas with your pet under the European Union’s Pet Travel Scheme.
Living in England, Scotland or Wales
If you and your pet live in England, Scotland or Wales (Great Britain), the following changes apply for each trip to a country within the Pet Travel Scheme or Northern Ireland:
- You must have your dog or cat microchipped
- Vaccinate your dog or cat against rabies, and your pet must be at least 12 weeks old before it can be vaccinated
- Wait 21 days after the primary vaccination before travel
- Visit your vet to get an AHC for your pet, no more than 10 days before travel to the EU
- As long as you keep your pet’s rabies vaccinations up to date, you will not need to get repeat vaccinations for repeat trips to the EU or Northern Ireland.
Getting an animal health certificate (AHC)
You must take your pet to your vet no more than 10 days before travel to get an AHC. The AHC needs to be signed by an official vet. Check with your vet that they can issue AHCs for pets.
You must take proof of:
- your pet’s microchipping date
- your pet’s vaccination history
Your pet’s AHC will be valid for:
- 10 days after the date of issue for entry into the EU or Northern Ireland
- onward travel within the EU or Northern Ireland for four months after the date of issue
- re-entry to Great Britain four months after the date of issue
Travelling to Finland, Island of Ireland, Norway or Malta
If you’re travelling with your dog directly to Finland, Island of Ireland, Norway or Malta, it must have treatment against tapeworm (Echinococcus multilocularis). Your dog will need to receive treatment one to five days before arriving in any of these countries. Your vet must enter full details on the AHC following treatment. You will not be able to travel with your pet if you have not completed these steps.
Arriving in the European Union
When arriving in the EU you must use a designated traveller’s point of entry to check compliance with all regulations. Details can be found here.
Living in Northern Ireland
If you live in Northern Ireland the EU pet travel documents are no longer valid, however as an interim measure you can contact your vet to update the pet travel documents to allow travel. DARERA are in the process of obtaining a new style UK (NI) pet travel documents. Further details for pet owners living in Northern Ireland can be found here.
Please do contact your vet if you have any queries relating to any future travel you have planned. You can also view the guidance from the Government here.
Frequently asked questions about overseas travel insurance
Want to find out more about our overseas travel insurance?
Got a question about our travel cover? Or want to know more about cats and dogs in general? We’ve answered a few questions for you here!
How does Brexit affect travelling with my pet?
Travelling with your pet within the European Union is due to be affected by developments regarding Brexit. Her Majesty’s Government has clarified that until an agreement has been reached between the United Kingdom and the European Union you will need to follow the guidance set out below for any pet that travels overseas from 1st January 2021. More details on the current guidance and requirements for travelling abroad with your pet can be found in our section on How will Brexit affect travelling with my pet?
- Ensure your pet is microchipped
- Have your pet vaccinated against rabies. It is advised that your pet has a blood test at least 30 days after the rabies vaccination or booster to ensure the rabies antibodies are present
- Wait three months from the date the successful blood sample was taken before you choose to travel. You will need to ensure your vet gives you a copy of the test results and records the date the blood sample was taken on your Animal Health Certificate (AHC).
Please be advised that you will not be allowed to travel with your pet if you have not completed the steps above.
If your pet's blood test result is unfortunately unsuccessful, you’ll need to repeat the vaccination and the process above until it is successful before your pet is able to travel.
If you have any queries relating to any future travel you may have planned, please contact your vet. You can also view the Government guidance on pet travel here. It is important that you follow all up to date Government guidance when traveling abroad with your pet.
Am I covered to take my pet abroad?
With our optional Overseas Travel cover, you can get travel insurance for your pet so that you don’t have to leave them behind when you head away. 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). Overseas Travel can be a useful option if you are planning to take your pet on holiday with you, providing your pet complies with the Pet Travel Scheme (PETS). This allows you to travel with your pet to anywhere in Europe (including Channel Islands consisting of the Bailiwick of Jersey and the Bailiwick of Guernsey Isle of Man and the Republic of Ireland).
You can read more about our optional Overseas Travel cover and how Brexit is affecting travelling with your pets from January 1st here.
What is the best way to travel abroad with a cat or dog?
To help reduce the stress levels in your cat or dog, traveling by car or train is usually the better option. If you have no choice but to travel by plane, flying is still a safe option for your pet. However, traveling by car does allow pet owners to keep a much closer eye on their pets, with the added bonus of being able to pull-over for breaks as often as you want. When traveling by train or plane, there will be tighter restrictions on where your pet can sit, how often (if they can in fact) move around, and with more people traveling alongside you, your pet could become increasingly stressed.
Before traveling on any long journey, carefully consider what the best form of transport for your cat or dog would be, and how you feel they would cope on the journey.
Can I travel with my cat or dog on a plane?
Most airlines will allow you to take a cat or dog on the plane, either in the cabin or down below in cargo. Before booking your flight, check with the airline that they can in fact, fly your pet. You may have to book in advance, with some airlines charging additional fees for traveling pets.
Your pet will need pet travel documents before they can fly, as this will need to be presented to the airline when checking in your pet. Depending on where your pet is flying from and where they are flying to, they will need to have certain vaccinations and treatments for illnesses such as rabies or tapeworm. You will most likely need to proof of the vaccinations and treatment from your vet.
How should I prepare my cat or dog for traveling abroad?
If you’re traveling abroad, or simply going away for a few days in the UK, it’s still a good idea to prep your pet for the journey. Such preparation measures could help reduce the stress levels in your pet, help you understand how best your pet travels, and help make the journey that little bit easier for both you and your pet.
- Before taking your pet on any long car journey, take them on short drives close to home, while slowly increasing the amount of time spent in the car. This will not only help them get used to being confined in a car, but it could help them overcome travel sickness if they suffer from it.
- Avoid feeding your cat or dog right before traveling, as the motion of the car, train or plane could upset their stomach. Make sure they have plenty of water, so they are well hydrated.
- Before any long journey, consider the health of your pet. Are they fit and healthy enough to travel? Make sure they are up to date with their vaccinations and treatments and be sure to check if they need any additional ones, as this could be a requirement of certain countries or airlines.
- To help ensure your pet is comfortable while traveling, make sure they have plenty of water, (food but depending how well they travel on a full stomach), toys to keep them occupied, and a comfortable place to sleep and rest. Most importantly, they need to be secured while traveling, whether it be in a crate that is large enough for them to sit in, stand and move around in, or strapped in using a proper pet seat belt for the car.
What are the other alternatives to taking your pet on holiday?
If you don’t want to take your cat or dog on holiday with you, then why not consider the following instead:
- Leave your pet with a friend or family member
- Have a qualified pet-sitter come around to your home, to feed, walk and check-up on your pet
- Take your pet to a reputable kennel or cattery
How does multiple dog insurance work?
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. You can cover up to five dogs on one policy. We are unable to insure dogs that are used for breeding purposes and pre-existing illnesses and conditions are not covered.
How does multiple cat insurance work?
If you own more than one cat, then you could look into including all of your cats on one insurance policy.
Multi-pet insurance means that you don’t need to have all of your cats on different policies. Instead, you can cover up to five cats on one policy, saving you plenty of hassle and money at the same time!
We are unable to insure cats that are used for breeding purposes and pre-existing illnesses and conditions are not covered.
How does multiple cat and dog insurance work?
If you’ve got dogs and cats at home, then why not look at multi-pet insurance?
Instead of having each of your dogs and cats on different pet policies, with our multi-pet insurance you can save any hassle and take advantage of our multi-pet discount. You can cover up to five pets on one policy. We are unable to insure dogs and cats that are used for breeding purposes and pre-existing illnesses and conditions are not covered.
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.
Can I get dog insurance for an older dog?
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 eight 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 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.
Can I get cat insurance for an older cat?
Yes! With our pet insurance we can cover older cats. If you’re looking to get insurance for your feline friend, or whether you’ve recently adopted an older cat, then we can provide you with cover.
What about cats over eight years of age?
If you’ve got a cat over eight years of age and you’re making a claim for their vet fees, then the excess that you must pay for each condition annually is:
- The first £150
- Plus 20% of the remaining cost of treatment
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.
Dog insurance 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.
Can I get dog insurance which includes cover just for accidents?
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.
Can I get insurance for working dogs?
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.
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.
Do you only cover UK residents?
Yes. You must be a UK resident and domiciled in the UK.
How can I pay for my policy?
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.
What is the minimum / maximum age for a pet to be insured?
Your pet must be eight weeks 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 five years of age at the time of the incident. Full details are found in the policy wording.
How long can I claim for each condition?
Provided that you have chosen our Accident and Illness cover we will refresh your veterinary fees benefit each year allowing you to claim for ongoing conditions on your pet insurance for as long as we are able to offer a renewal and you renew without a gap in cover.
Is dental treatment covered?
Yes. Depending on the type of cover you select we are able to cover treatment provided that it is related to an injury or illness.
Is there an excess on this policy?
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:
For each illness or injury arising during each period of insurance your excess will be:
- For pets under eight years of age at time of treatment: The first £150.
- For pets older than eight years of age at time of treatment: The first £150 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
Do you insure pets used for breeding?
No, 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.
Do you provide cover for chronic and ongoing veterinary conditions?
We offer a choice of three annual benefit levels. You can insure up to the chosen limit each year and 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.
What information do you need to start my cover?
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.
Can you pay my vet directly?
This is something we are able to do provided that your vet is happy with this arrangement.
How do you calculate premiums?
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.
How do I make a claim?
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 or email: email@example.com
For Third Party Liability claims, contact Ageas Insurance Ltd on: 0345 415 0495
For Dog Liability claims, please contact Ageas Insurance by either phone: 0345 415 0495 or email: firstname.lastname@example.org
Setting up a policy
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 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
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