Dog insurance

Dog insurance that does more

Get up to £15,000 of lifetime vet fee cover, plus extra perks with your dog insurance

  • Up to £15,000 vet fee cover
  • Unlimited, 24/7 video vet calls with FirstVet, at no extra cost
  • Extra pet health perks with your policy. Terms apply*
  • Cover for conditions where there’s been no treatment, medication or advice for two years
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Pet Insurance Provider Of The Year 2024

Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2024, 2022 and 2021 Moneyfacts Consumer Awards.

Why pick ManyPets dog insurance?

Our dog insurance plans offer up to £15,000 of vet fee cover – but that’s not all we do. Here’s how our dog policies stand out from the pack.
Pre existing condition icon

Pre-existing conditions

All of our dog insurance policies cover conditions that haven’t needed any treatment for two years or more. We also have a dedicated Pre-existing policy for dogs that can cover more recent conditions.


Dental treatment

Our Complete dog insurance policy covers dental accidents and illness, as long as your dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. All our other policies cover dental accidents.


Third party liability

All of our dog insurance policies include cover for someone taking legal action against you and your dog.

Extra pet perks

We always want to care for your dog’s health and wellbeing, even when you don’t need to claim. That’s why you get a pet-sitting membership offer, discounted flea, tick and worm treatment– and much more. Offers may change at any time. Terms apply*


Behavioural cover

We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.


Complementary treatments

If your dog is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £2,500 depending on your policy.


Spread the cost

You can pay for your dog insurance policy monthly at no extra cost.

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MoneyBack optional extra

Pay a little more for your policy and get 20% of your premium back at renewal if you haven’t needed to make a claim.

Compare our dog insurance policies

We’ve got a range of dog insurance policies with cover up to £15,000. See how they stack up and pick the one that’s right for you.

Complete Regular Pre-existing Value
Policy details
Vet fee cover £15,000 £7,000 £7,000 £3,000
Dental cover Accidents and illness Accidents only Accidents only Accidents only
Pre-existing conditions cover
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Unlimited 24/7 video vet calls at no extra cost
Extra pet health perks *Terms apply

Want to chat about our dog insurance?

Our friendly team are waiting. Call us to get all your dog insurance questions answered and to get a quote on 03456460749.

Look after them with lifetime dog insurance

We know that your dog is a bona fide furry member of the family. They’re your therapy, your mood-booster, your happiness. So why would we ever want you to risk them running out of cover when they need it?

That’s why we only do lifetime dog insurance policies here at ManyPets.

It just means the vet fee cover on your dog insurance will refresh each year when you renew. So even if you need to claim for pricey treatment, you’ll still have plenty of cover to fall back on throughout your dog’s lifetime.

Covered from tooth to tail

That’s right, your dog’s smile is covered too. Our Complete policy includes insurance for dental illness as well as accidents, as long as your dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. Plus, all of our policies include cover for dental accidents.

Get pet perks worth up to £500

You get more than just dog insurance when you take out a ManyPets policy. Here’s what else you can get your paws on. Offers may change at any time. Terms apply*.

Free petsitting

A year’s free TrustedHousesitters membership, worth £99. Offer ends 31/08/24. Terms apply*

worm treatment drops

Preventative pet care

Get discounted flea, tick and worming preventative treatment.

Doggy discounts

Enjoy exclusive savings on dog treats, accessories and more.

Quotes tailored to your dog

Whether your pup’s in the prime of life or well into their golden years, we can give you an idea of how much their dog insurance will cost.
Vet examining puppy

Cover for pre-existing conditions

All of our dog insurance policies provide cover for conditions that haven’t needed any treatment for two years or more. But what if your dog’s had a more recent injury or illness? That’s where our dedicated Pre-existing policy steps up.

Here’s how it works. We’ll provide up to £1,500 of cover for a previous medical condition within a wider vet fee limit of £7,000, as long as your dog has been free from symptoms, treatment or vet advice for that issue for three months.

Once we cover a pre-existing condition, we won’t stop, no matter how often treatment is needed.

Cover for your breed

Whether your pup is a pedigree, crossbreed or mixed breed you’ll find a dog insurance policy to suit you. Find out more about your furry friend below.
Vet with two dogs

Multi-pet insurance

Got a pack to cover? Get a up to 15% discount when you insure multiple pets. You can choose a different level of cover for each of your pet's including their own optional extras, because no two pets are the same. Available on all but our Value 2k policy.

Claiming is easy

Dog insurance should be simple – so now it is. Here’s how easy it is to claim on your dog policy.
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1. Your proof

Get a copy of your dog’s treatment invoice or a receipt if payment has been made.

2. Access your account

Log into your ManyPets online account.

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3. Make your claim

Click 'Make a claim', tell us what happened and upload your evidence. We’ll take it from there.

Dog insurance FAQs

All the questions you’ve ever wanted to ask about our dog insurance.

How much does dog insurance cost?

In the UK, the cost of insuring your dog can depend on:

  • Your pet's breed

  • Their age

  • Where you live

  • The policy you choose

The best way to find out exactly how much it’ll cost to insure your dog is to get a quote – it only takes a few moments.

Does where you live impact the cost of dog insurance?

Yes, the cost of vet treatment varies around the country, which means your home address can affect how much you pay for pet insurance.

Is pet insurance more expensive for older dogs?

Generally, the cost to insure a one or two year old dog is much less than the cost of insuring an older dog.

Your insurer may also ask you to pay around 20%-35% of the cost of any claims for dogs aged over nine years old. This is called a co-payment.

Most of our policies are available for dogs of any age and we ask owners of dogs over nine to cover 20% of any claims.

Many people see the cost of their dog insurance increasing over time, and feel that the insurance company is acting unfairly – but higher costs for older dogs reflect the fact that visits to the vet are more likely.

Some owners opt to 'self-insure' by paying a fixed amount into a savings account each month, so that there is a reserve to draw on if their dog gets sick, instead of continuing to pay the insurance premium. The risk is that you may need vet treatment before your savings have built up or the cost of treatment will be higher than what you've saved.

Why are some dog breeds more expensive to insure than others?

Smaller dogs usually cost less to insure than bigger dogs and mixed breeds usually cost less than pedigrees.

The cost of pedigree dog insurance varies significantly between breeds and the cost of insuring cross-breed dogs (such as Cockapoos or Labradoodles) will reflect the cost of insurance for the dominant breed.

Dogs with a propensity to develop breed-specific medical conditions also tend to be more expensive to insure.

Find out more about the average costs to insure different breeds and all their other costs in our guide.

Are dog vaccinations covered?

No, vaccinations aren’t covered by dog insurance because they are classed as routine procedures.

Is death covered?

We have two limits related to death. All our dog insurance policies include £300 if your pet has to be put to sleep. It is your choice how you use it, it could be used to cover the cost of the procedure or for pet cremation or burial costs.

We have a separate limit that can pay out the value of your dog if they pass away because of an accident or illness. There is a £6,000 limit included in our Complete policy as standard and our other dog insurance policies, apart from Value, and we offer up to £1,500 as an add-on. Please check our policy documents as there’s an age limit for some death claims.

Is dog insurance mandatory in the UK?

Dog insurance isn’t compulsory in the UK and you don’t legally have to have it. But it can give you peace of mind that you can pay expensive vet bills and get your dog back to health.

Can dogs have life insurance?

There are no life insurance policies for dogs, although our pet insurance policies can offer a payout if your dog passes away, similar to life insurance. Our Complete policies includes up to £6,000 cover for death as standard and our other policies offer lower limits as an add-on. Please read our policy documents because some death claims have an age limit.

Is there an age limit or age restrictions to dog insurance?

We love dogs of all ages and therefore have no upper age limit! As long as your dog is over 4 weeks old, we can provide a policy for you. 

Will my dog be covered if it’s lost or stolen?

We can offer Lost or Stolen cover on most of our policies. The Lost or Stolen cover is included as standard on our Complete policy, or can be added as an optional extra on the others in our range.

What type of dog insurance policy do I need?

If your dog hasn’t needed vet treatment for a medical condition within the last two years, they’ll likely be eligible for any of our Complete, Regular or Value policies.

Our Pre-existing policy can provide cover for a dog that’s had a more recent health issue.

Does dog insurance cover spaying and neutering?

Dog insurance is designed to cover unpredictable accidents and illnesses, so routine procedures like spaying and neutering aren't included in on dog insurance policies. 

Can dog insurance be transferred to a new owner?

Yes, we can transfer a dog insurance policy to a new owner via My Account. Just log in and click on ‘Cancel policy’ then ‘My pet has a new owner’ when asked to give a reason. You’ll be asked if you would like to transfer ownership, which will reveal a code to share with your pet’s new owner.

The new owner should then get in touch with our Customer team with the policy number and code – we’ll take it from there.

The costs of dog ownership

Dog insurance is just the beginning of what you can pay out for a new pup. From vaccinations, to neutering, check out some of our guides on the costs of dog ownership.