What Kind of Insurance Does Your Dog Require?

Whether you have a puppy or an older dog, you may find that if you are the owner of a dog you will usually require more pet insurance cover than you would typically need for other kinds of animals.

Why? This is because generally speaking, vet treatments for dogs are more expensive than treatments needed for other kinds of household pets. As a result, carefully consider what kind of cover your dog will need before choosing a policy.


What Kind of Dog Insurance Cover Can You Get?

The majority of dog insurance policies will provide you with cover for the following:

  • Vet treatment: enabling you to claim back the cost during the term of your insurance policy.
  • Death: many insurer pay the purchase price of your dog if they die due to an illness or accident
  • Straying or theft: if your dog is stolen or goes missing, you can claim on your policy for the purchase price of your pet
  • Boarding fees: if you go into hospital and can’t look after your dog


Third Party Liability Cover for Dogs

Third party liability cover is only available to dogs, and it could help to provide you with significant financial protection if you have to pay legal costs or compensation due to your pet.

It provides cover if your dog:

  • Damages another persons property
  • Injures or kills another person


Dog Insurance FAQs

Do I really need third party liability cover? Yes, it is highly recommended that you have this kind of cover, given the significant amount of money it can save you if the worst case scenario happens. 

Is third party liability cover included in a standard dog insurance policy? Yes, with many policies, but not all of them. If not, it is usually possible to add it to your policy.

Can I get dog insurance for an older dog? Yes, but you may find that the cost of insurance is more expensive, as they are more likely to get ill or suffer an injury.

Will dog insurance cover existing conditions? In most cases, no. However, some insurers will cover conditions if your dog has not had any symptoms for the minimum of at least two years.

Is it possible to get dog insurance for a pedigree? Yes, but keep in mind that the cost of a policy may be higher due to pedigree dogs being more prone to illness.

Are there any exclusions to dog insurance? The exclusions will vary from insurer to insurer. However, it is common for insurers to stop enabling you to claim for death cover due to illness or injury if the dog is over a certain age, usually eight years old.

How do I make a claim on my dog insurance policy? To make a claim, you will need to send in a claim form with documents to your insurer.

What will affect the cost of my dog insurance policy? The price you end up paying can be determined by factors such as:

  • If your dog has pre-existing medical conditions
  • The age of your dog
  • The cost of your dog

Is it possible to get a multi-pet dog insurance policy? Yes, most insurers enable you to do this, and it can usually be less expensive than getting two individual policies.

Does dog insurance include dental treatment? It can, but it does not always come as standard with dog insurance policies. Therefore, always check the details of any policy you are considering before applying for it if dental treatment is something you want cover for.

Read more on cover for your furry companion through our informative pet insurance page.