About us

At VetsMediCover our kingdom is ruled by reliable simplicity.

The core features of our pet insurance plans are detailed on this page and throughout our site. If you would like to read the detailed documents for yourself, the full policy wordings are available to be downloaded at the bottom of this page.

Pre-existing Cover

Under our Lifetime Gold, Platinum & Diamond policies, pre-existing conditions are covered (if for 24 months your pet has been symptom & treatment free, has not been observed by you and not consulted a vet or any veterinary professional), as long as the pre-existing condition is not chronic in nature, such as but not limited to a fractured bone, arthritis, diseases such as diabetes, masses/lumps/tumours or heart murmurs and behavioural illnesses such as separation anxiety.

If you are unsure as to what is classed as "chronic" then please contact us as we will be happy to help.

Lifetime cover

Our Lifetime policies are Gold, Platinum & Diamond and each offers a different level of cover, as shown in the Table of Benefits . The lifetime policies are an annual plan and must be renewed for the cover to continue by us offering and you accepting the renewal invitation. If your policy is not renewed, then we will no longer be able to provide assistance with your claim.

As Lifetime cover provides cover for all conditions over the life of your pet, you must be able to afford to pay the yearly premiums which will increase at renewal based on the age of your pet, claims history and other cost such as enhancements to veterinary treatments.

For example: the policy you purchase when your pet is less than one at a cost of £180 per annum, could cost £263 per annum by the time your pet is aged five and £515 per annum by the time your pet is ten. This could increase to £1,834 by the time your pet reaches the age of fifteen with the additional payment of a fixed £90 excess and 20% excess payable with any claim.

12 months cover

This policy has been designed for owners looking for great value pet insurance to help with the cost of veterinary fees to treat injuries or illnesses for a period of 12 months only.

All conditions claimed in any one period of insurance cannot exceed the vet fee limit. After 12 months the condition will no longer be covered, and any further treatment will need to be paid by you as it will be deemed a pre-existing condition and excluded from the policy.

In addition to the vets fees, the 12 months policy also covers third party liability, loss of pet by straying and complementary therapy treatment.

As the 12-month policy is an annual plan, the 12-month period could be across two policy years. To continue to claim for the condition you will need to, when we invite you renew, accept by continuing to pay the premiums.

Claims paid

"After taking out several unsatisfactory insurance policies with other companies I thankfully finally discovered VetsMediCover. It is the most comprehensive, straightforward, cost effective cover I have ever had. Being with VetsMediCover gives me complete peace of mind that I can give the best treatment available to my two cats Reggie and Scout at times when we have needed it most. I would highly recommend VetsMediCover over all other providers as their exceptional customer service and no hassle cover makes them experts in pet insurance.

Please feel free to edit it as you wish because I have I said your cover has been absolutely the best so I will agree with whatever you write!"

Kind regards

Jacki Taunton

“I wanted insurance cover for my Labradors. I decided, after careful research that VetsMediCover would give me that peace of mind with £10,000 cover per year. Thank goodness I had their cover. Chad, one of my Labradors, developed two tumours in his chest near his left shoulder. He needed a CAT scan, soft tissue surgery and ongoing metronomic chemotherapy; all state of the art treatment. Without VetsMediCover I could not have afforded the treatment. Last year, it was £9,000.

VetsMediCover paid the bills direct to my vet with speedy, efficient and courteous service, for that I will be eternally grateful. "

Many, many thanks from me and Chad.

Sheila Suzuki.

"My boxer puppy had a respiratory infection, I took her to the vets and rang VetsMediCover for a claim form when I got home. The guy who answered my call said he would email me a claim form. I didn't have any ink in my printer, 'no problem' the guy said. 'I'll pop one in the post for you tonight'. The next day my claim form dropped through my letter box.

On Marnie’s last check up at the vets, I left the claim form for them to fill in and send off. Today I received confirmation from VetsMediCover that my claim will be paid into my bank account. This took two weeks from the time I left the form with the vets.

Thanks very much for the prompt attentive service."

Yvonne Schuiling