Puppy insurance

20% discount off pet insurance for puppies*

*Discount automatically applied. Available for new petGuard policies.
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Pet insurance for puppies from petGuard

Protect your puppy with the right cover

Bringing a new puppy into your home can be an exciting time for everyone, but it doesn’t come without its risks. With all that puppy playfulness and energy, it’s important to keep your puppy protected during their early years. That’s where our pet cover can help.

Over 20 years of Guardcover, supporting your passion

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Why choose our puppy insurance?

See how petGuard can protect you and your puppy

20 Years of Experience

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

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Free access to the FirstVet service 24/7 - 365 days a year.

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.

Pet insurance for puppies from petGuard

Why protect your puppy with petGuard?

Insure your puppy with petGuard to help make things easier. Take a look at what we can do to ease some of the stress of looking after your puppy.

Get a quote

How does our vet cover work?

Three different levels of vet fees cover, which includes up to £12,000 towards your annual vet fees if your puppy is ill or has an accident. Excludes pre-existing conditions and any claims within the first 14 days of purchasing cover.

Need somewhere for your puppy to stay?

Suffered an accident that requires emergency treatment? If you can’t look after your puppy 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 puppy, 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.

Holiday cancelled last minute?

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

Pet accessories taken a knock?

If your puppies 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 extras for your puppy

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 cover per trip.

Dog Liability Insurance - Up to £2million per event in Public Liability insurance available if your puppy injures someone or damages property and you are held liable. If your puppy gets you into bother then we can help. 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 puppies

Find out more about our pet insurance for puppies

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

Puppy insurance covers you against the cost of vet fees, should your puppy fall ill or get injured. Some providers also cover you if your puppy passes away, is lost or stolen, or causes damage to a third party’s property.

Puppy insurance from petGuard provides you with a whole host of benefits including:

  • Financial protection against the cost of vet bills
  • Emergency boarding if you’re in hospital and unable to care for your puppy
  • Multi-pet discount when you cover more than one pet on the same policy
  • Holiday cancellation cover – if you have to cancel a trip because your puppy becomes ill or suffers an injury
  • Accidental damage to puppy accessories

Note: Excesses, terms and conditions apply. Click here for full details.

No, you don’t have to buy puppy insurance. But bear in mind that caring for a dog can be expensive. Especially when you consider how much vet bills have risen over the past few years. If your puppy fell ill or suffered an injury, could you cover the cost? By choosing to insure your puppy, you could be protecting yourself against a potentially hefty bill if your pet needs treatment.

Get a quote >

There are few greater joys in life than welcoming a new puppy into your home and starting their journey from young pup into family dog. However, looking after a new puppy can be a challenge within itself as they require a lot of care and attention.

So, is puppy insurance worth it?

Having insurance for your puppy means that you can be protected against unexpected vet fees and other costs that can come with owning a young dog. Puppies can be curious souls, and nobody wants their young pup to hurt themselves while they’re exploring. With our puppy insurance, you can choose between our Accident Only cover and cover against Accident and Illness to help pay for up to £12,000 of your annual vet fees.

Our cover starts for puppies over eight weeks of age. We cannot cover claims arising within the first 14 days of your insurance starting and pre-existing illnesses and conditions are not covered.

The excess for vet fee claims for dogs under eight years of age is the first £100 of the cost of treatment.

Typically, puppy insurance policies last for 12 months. When the 12 months are up, you’ll need to renew the policy.

If you’re thinking about taking out puppy insurance, here are a few things to consider:

Your puppies age

Like petGuard, most pet insurance providers will not cover a puppy that’s younger than eight weeks old.

Pre-existing conditions

At petGuard. we are unable to cover any pre-existing condition your puppy might have.

How many pets you have

If your puppy isn’t your only pet, consider putting all your pets on one pet insurance policy. You can get a multi-pet discount if you include more than one pet on the same policy (up to five pets maximum) here at petGuard!

No one knows what the future holds. So, ask yourself: if my puppy fell ill or suffered an injury, could I afford the treatment? Remember that, just like humans, as dogs grow older, they could be more likely to develop long-term health conditions. With that in mind, you may want to protect your pet sooner rather than later. At petGuard, we can provide cover for puppies aged over eight weeks old.

Get a quote >

You can get insurance for your puppy from eight weeks of age. If you’ve recently welcomed a young pup into your home, then you can choose from either our Accident Only cover or cover for Accident and Illness to help cover you from the cost of up to £12,000 in annual vet fees.

We cannot cover claims arising within the first 14 days of your insurance starting and pre-existing illnesses and conditions are not covered.

If you’re welcoming more than one puppy into your home, or whether you’ve got a litter of puppies to look after then you may want to consider multi-pet insurance. Instead of having each of your dogs on different pet policies, with our multi-pet insurance, you can save both hassle and money by putting your puppies onto one policy!

Multi-pet insurance for your pups not only means that you don’t have to deal with different policies for each of your dogs, but you’ll even get a discount when you insure your puppies with us! We allow up to five pets, cats and dogs, on one policy.

Our multi-pet discount includes 10% off each pet that you insure with us. Each pet on your policy will need to be on the same level of cover.

Cover starts for puppies over eight weeks of age. We do not insure dogs that are used for breeding purposes and pre-existing illnesses and conditions are not covered.

Put simply, Accident and Illness puppy insurance protects your puppy from those accidents that can happen , as well as illness and sickness, that 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 puppy insurance is suitable for you if you only want to cover yourself against the cost of vet bills, in the event of an accidental injury only, not if your puppy falls ill.

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.

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.

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.

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.

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.

Veterinary Fees

We provide a choice of three different limits, offering up to £3,000, £6,000 or £12,000 of vet fee cover per year. (Excludes any claims within the first 14 days of purchasing cover and any pre-existing conditions.)

Emergency Boarding

If you have an unexpected stay in hospital, due to a medical emergency, which means you can’t take care of your puppy, we can help cover the cost of minding your pet, or pay towards the cost of emergency boarding fees of up to £1,500 while you recuperate. Cover applies for hospital stays of more than four consecutive days.

Holiday Cancellation

If you are forced to cancel or cut short a holiday because your puppy becomes ill or injured, we can pay up to £5,000 towards the cost of a cancelled trip (exclusions apply to conditions and illnesses).

Pet Accessories

If your puppy’s cage or tracking device is damaged or stolen, we can offer up to £500 for repairs or replacement. Your puppy’s accessories or equipment must be new when you bought it. Security requirements apply.

Yes, we offer this as an optional extra that you can add to your policy. With this cover, we can cover up to £2million per event to protect you against claims made against you if your puppy injures another person, or accidentally damages another person’s property. Cover for Third Party Liability applies in the UK only.

You can find out more about our Dog Liability cover here.

A pre-existing condition is any health condition that you're aware of, had investigated or treated, or seen symptoms of prior to the start of your puppy insurance. petGuard is unable to provide cover for any pet with a pre-existing condition.

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.

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.

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.

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.

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.

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

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 eight years of age at time of treatment: The first £100.
  • For pets older than eight 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

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.

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.

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.

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

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: claims@petadminteam.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: commercialclaims.eastleighteam@ageas.co.uk

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.

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?

  1. Ensure your pet is microchipped
  2. 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
  3. 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.

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 and 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. You can refer to How does Brexit affect travelling with my pet? for more information.

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.

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 a Pet Passport 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.

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.

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

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

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, contact Ageas Insurance by phone:
0345 415 0495
or email:

commercialclaims.eastleighteam@ageas.co.uk

 

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Your policy document explorer

Take a moment to explore the details of our cover in the policy documents below. 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 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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