What to know about Puppy Insurance?
Under 8 weeks old
Cover for your puppy can start from 8 weeks of age. If your puppy turns 8 weeks old within 30 days, you can take out a policy and set the start date for when they turn 8 weeks old. Puppies are eligible for any type of pet insurance and any cover level, as long as they’re a breed we insure.
It is the law to microchip all puppies and dogs by the time they are 8 weeks old. You will need to make sure that all information on the chip is up to date including, names, addresses and phone numbers. Puppy Insurance will not cover the cost of microchipping. If your dog is not microchipped we will not pay out for finding your dog or loss by theft or straying claims.
Your vet can advise when your puppy can have their first set of vaccinations, this should be at around 8 weeks and then at about 10 weeks. Their second set can be given around 2 to 4 four weeks later. When your puppy is a little bit older, they will need a booster.
Vaccinations are not covered by insurance. Be aware, conditions that your puppy should be vaccinated against are not covered if you’ve failed to vaccinate.
Neutering your puppy
If you choose to castrate or spay your puppy, the cost of the surgery isn’t covered by your insurance.
Flea and worming treatment
When it comes to flea and worming treatments, you should be aware that treatment will be ongoing throughout your puppy’s life . Flea and worming treatments are not covered as part of your insurance.
Conditions in the first 14 days
Illnesses are not covered in the first 14 days. After 14 days have passed, you are then able to make claims for new conditions only. It cannot be an illness that occurred in those first 14 days.
Injuries in the first 3 days
Like illnesses, injuries aren’t covered from day 1 either. Only after day 3 can you claim for injuries and new injuries only, it cannot be an injury that happened in those first 3 days.
Dogs we can’t insure
American Bull Dog, American Indian Dog, American Pit Bull, American Staffordshire Terrier, Bandogs, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasilerio, Gull Dong, Husky Wolf Hybrid, Irish Blue Staffordshire Terrier, Irish Staffordshire Terrier, Saarlooswolfhound, Japanese Tosa, Tosa Inu, Pit Bull Crosses, Pit Bull Terrier, Wolfdog, Wolf Hybrid or any crosses involving these breeds. We do not cover Akita and Neapolitan Mastiff for Third Party Liability.
When your dog reaches 8 years old (for restricted breeds this is 5 years), your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made.
You pay the first £100 of any compensation or costs for Third Party Liability claims. Please note these values are subject to change.