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Cover explained

At VetsMediCover we have made it easy for you to find the right pet insurance policy.

We have carefully considered the cover you need and offer two different types of cover. Our lifetime policy covers your pet for its whole life providing you continue to renew. 12 month policies only provide 365 days cover from the date of the occurrence for your pet. 12 month policies do not provide the long-term security of lifetime cover.

You know your budget. We know about pet insurance.

The table below clearly illustrates our key policy features for you to choose from and find the right protection for your cat or dog.

Under our Lifetime Gold, Platimum & Diamond policies, pre-existing conditions are covered (if for 24 months your pet has been symptom & treatment free, and not consulted a vet)

All cover limits shown are the maximum payable per annum.  Terms, conditions and excesses apply and may be varied at renewal.

In addition to the standard excess there will be a 10% percentage excess for pets aged 4 or over, 20% for pets aged 6 or over.

Policy summary

Silver Gold Platinum Diamond
Cover type 12 months Lifetime Lifetime Lifetime
Vets fees £2,000 £4,000 £6,000 £10,000
Complementary therapy £500 £750 £750 £750
Death benefit £250 £350 £500 £750
Third party liability (Dogs only) £500,000 £1,000,000 £1,000,000 £1,000,000
Dental care £350 £350 £350 £350
Dental treatment (as a direct result of an accident) £2,000 £4,000 £6,000 £10,000
Hereditary and congenital
defects cover
Yes Yes Yes Yes
Euthanasia cover Yes Yes Yes Yes
Prescription food No 20% of the cost
up to £150
40% of the cost
up to £200
40% of the cost
up to £200
Emergency boarding fees £200 £200 £200 £200
Advertising and reward £62.50 £87.50 £125.00 £187.50
Loss by theft or straying £250 £350 £500 £750
Standard Excess £90 £90 £90 £90
Cover abroad Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021)
Silver Gold Platinum Diamond
Cover type 12 months
Vets fees £2,000
Complementary therapy £500
Death benefit £250
Third party liability (Dogs only) £500,000
Dental care £350
Dental treatment (as a direct result of an accident) £2,000
Hereditary and congenital
defects cover
Yes
Euthanasia cover Yes
Prescription food No
Emergency boarding fees £200
Advertising and reward £62.50
Loss by theft or straying £250
Standard Excess £90
Cover abroad Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021)
Cover type Lifetime
Vets fees £4,000
Complementary therapy £750
Death benefit £350
Third party liability (Dogs only) £1,000,000
Dental care £350
Dental treatment (as a direct result of an accident) £4,000
Hereditary and congenital
defects cover
Yes
Euthanasia cover Yes
Prescription food 20% of the cost up to £150
Emergency boarding fees £200
Advertising and reward £87.50
Loss by theft or straying £350
Standard Excess £90
Cover abroad Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021)
Cover type Lifetime
Vets fees £6,000
Complementary therapy £750
Death benefit £500
Third party liability (Dogs only) £1,000,000
Dental care £350
Dental treatment (as a direct result of an accident) £6,000
Hereditary and congenital
defects cover
Yes
Euthanasia cover Yes
Prescription food 40% of the cost up to £200
Emergency boarding fees £200
Advertising and reward £125.50
Loss by theft or straying £500
Standard Excess £90
Cover abroad Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021)
Cover type Lifetime
Vets fees £10,000
Complementary therapy £750
Death benefit £750
Third party liability (Dogs only) £1,000,000
Dental care £350
Dental treatment (as a direct result of an accident) £10,000
Hereditary and congenital
defects cover
Yes
Euthanasia cover Yes
Prescription food 40% of the cost up to £200
Emergency boarding fees £200
Advertising and reward £187.50
Loss by theft or straying £750
Standard Excess £90
Cover abroad Up to 3 months (click here for Pet Travel Scheme rules applicable from 1 January 2021)

Vet fees

Vet fees cover is the primary reason to invest in pet insurance. Veterinary bills can be extremely expensive and good quality pet insurance means you have the freedom to give your pet the best treatment available.

Whether you receive an unexpected vet bill or your pet requires on-going treatment, vet fees can soon add up.

With VetsMediCover pet insurance you can rely on up to £10,000 per year in vets fees for illness or injury. This is an exceptionally high level of cover.

Alternative and complementary therapies

Vets are increasingly offering and understanding the benefits that alternative therapies, such as acupuncture and hydrotherapy provide. Not all pet insurance policies cover these treatments however VetsMediCover pet insurance provides up to £750 of cover per annum. Hydrotherapy can be a valuable part of the rehabilitation process following injury or surgery; it is also considered to be beneficial in the treatment of arthritis, orthopaedic conditions, muscle and ligament injuries and many other types of injuries.

Dental treatment

We provide cover for necessary medical dental treatment Up to £350 per annum; however we do not provide cover for a scale and polish.

Lost or stolen

If your pet is lost or stolen, our policies provide cover towards the cost of advertising the loss of your pet, as well as providing a reward to help get your pet back. If your pet is not found or returned, we will pay up to £750.

Cover abroad

We cover your pet for travel within permitted EU countries for up to three months during your period of insurance provided that you have the correct PETS certification.

Specialist diets and prescription food

If your pet suffers from an illness or injury, your vet may recommend a specialist diet. Our lifetime policies will help ease the financial burden, and will contribute to the costs of any prescribed food. However this excludes foods used for weight loss and relating to dental problems.

Emergency boarding kennel fees

We will pay up to £200 for the cost of boarding your pet at a licensed kennel if you go to hospital and there is no other responsible person who can care for your pet.

Third party liability - dogs only

  • Up to £1million third party liability if your dog causes damage, injury or accident to a person or their property.

Please note

  • You must keep your pets vaccinations and boosters up to date, as recommended by your vet.

Exclusions

12 months policy:

  • pre-existing injuries or illnesses.
  • pets less than 8 weeks old or over 8 years* at policy inception. *Certain breeds are restricted to 5 years old at inception.
  • illnesses within 14 days of policy inception.
  • injury within 5 days of policy inception.
  • dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.
  • dogs used for working.
  • African Wild Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Argentine Dogo, Bandog, Bandogge Mastiff, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolf Dog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Johnson American Bulldog, Perro de Presa Canario, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolfdog, Wolf or Wolf Hybrid or any dog crossed or mixed with these breeds..
  • For policies that start or renewed from 1 October 2020 Third Party Liability insurance is excluded for the following breeds, or any dog crossed or mixed with these breeds: Alapaha Blue Blood Bulldog, American Bulldog, Boerboel and *Czechoslovakian Wolf Dog. (*only applicable to policies that were incepted before september 2020).

Lifetime policy:

  • pre-existing conditions until treatment or symptom free for 24 months.
  • pets less than 8 weeks old or over 8 years* at policy inception. *Certain breeds are restricted to 5 years old at inception.
  • illnesses within 14 days of policy inception & injury within 5 days of inception.
  • dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.
  • dogs used for working.
  • African Wild Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Rottweiler, American Staffordshire Terrier, Argentine Dogo, Bandog, Bandogge Mastiff, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolf Dog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Johnson American Bulldog, Perro de Presa Canario, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolfdog, Wolf or Wolf Hybrid or any dog crossed or mixed with these breeds.
  • For policies that start or renewed from 1 October 2020 Third Party Liability insurance is excluded for the following breeds, or any dog crossed or mixed with these breeds: Alapaha Blue Blood Bulldog, American Bulldog, Boerboel and *Czechoslovakian Wolf Dog. (*only applicable to policies that were incepted before September 2020).

VetsMediCover pet insurance policies are amongst the most comprehensive available for cats and dogs. For full details of what’s included or excluded, please refer to the policy documents.

 

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Insuring your pet with VetsMediCover is an easy decision.
  • Cover from £2,000 to £10,000 a year to suit your needs.
  • Claims are paid directly to your vet so you never have to worry about the bill.
  • Cover up to 3 months abroad.