Puppy insurance

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.

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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 £150 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.

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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 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.