Insuring your pet

Pet Insurance – Making sure that pet ownership doesn’t come with too many surprises


We strongly recommend getting your pet insured to help cover any unexpected or high costs that you otherwise may not be able to pay.

Pet insurance, like other types of insurance, is a premium that is paid regularly, usually monthly or annually, and will then cover some or all of the cost of pet care in certain circumstances.

There are different types of pet insurance that you can get. It is best to think about what you want coverage for within your insurance so that you choose the right policy for you and your pet.

We are unable to recommend a particular insurance provider however we can provide advice and guidance on the particular type of insurance.

We are happy to work with your insurance provider if you need to make a claim.


Different types of pet insurance cover include:


Accidental Cover


This covers your pet in case of an accident, but not for other illness. It is often just a fixed sum towards the cost of the accident that is offered, not the full cost of the treatment.

It may also cover some of the cost of emergency treatment. Some policies have a 12-month time limit, meaning you can only claim for 12-months from when the accident occurred.




Time-limited policies will pay out up to a fixed amount over a 12-month period for one illness. After this limit has been reached, or your pet has been treated for the illness for 12-months, whichever comes soonest, it will no longer pay out for the cost of treatment.

If renewed, the policy will not pay out again for the same illness again.

If your pet has the same illness but in a different area of the body – i.e. in another leg, or the other eye – then this is considered the same illness and the insurance may not pay out again.


Maximum Benefit


Maximum benefit insurance will give you a fixed sum that you can claim for one illness. As long as you continue to pay the premium, there is no limit on how long your pet can be treated until that sum of money has been spent.

However, once this limit has been reached, you cannot claim again for the same illness.


Lifetime Benefit


This pays for any illness during the time that your pet is insured. There is usually a limit on the amount that can be claimed in one year, but this will reset when the premium is paid for the next year, meaning you can claim again if the same illness returns.

These policies do not usually cover existing conditions, and are only for new illnesses that are found after the policy has been taken out.


It is best to take advice on the best kind of insurance for your pet. You can choose from a wide range of policies, and cover does vary from policy to policy. If you're interested, contact your local branch for advice.

A Pet Health Plan can also help you to spread the cost of routine pet care, such as vaccinations and parasite control. Best Friends are proud to offer a comprehensive Pet Health plan for dogs, cats and rabbits.

Some of our other services

Pet passport

You will require a pet passport if taking your pet outside of the UK – we are pleased to offer a comprehensive service.

Find out more


Best Friends can provide prescriptions for specific medications for a range of different conditions.

Find out more


It became law to microchip dogs in April '16, however we advise microchipping other pets too.

Find out more