Dog insurance
We do dog insurance differently
Protect your pup with our award-winning dog insurance policies.
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Award-winning canine insurance cover
Dog mums and dads really do love our stuff. Our Complete policy was rated Which? Best Buy for dog insurance in December 2021 and 2022, and we won Pet Insurance Provider of the Year two years in a row at the 2021-2022 Moneyfacts Consumer Awards. Want to find out why? Check out some of our thousands of five-star Feefo reviews.
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Why pick ManyPets dog insurance?
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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.
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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.
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Third party liability
All of our dog insurance policies include cover for someone taking legal action against you and your dog.
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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 we provide a free, 24/7 online vet service, discounted flea, tick and worm treatment, a year’s free pet sitter membership – and much more.
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Behavioural cover
We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.
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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.
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Spread the cost
You can pay for your dog insurance policy monthly at no extra cost.
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MoneyBack option
You’ll get 20% of your premium paid back if you don’t need to make a claim within a policy year with this optional extra.
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 | £1,500 | Cover for conditions that ended 2 years ago |
| FirstVet - online vet video calls | ||||
| Pet house sitter membership | Free | Free | Free | Free |
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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.
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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
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Free 24/7 vet advice
Get in touch with a UK qualified vet any time, any place for free, fast advice.
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Free petsitting
A year’s free TrustedHousesitters membership, worth £99.
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Pet health plan
Get discounted flea, tick and worming preventative treatment.
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Doggy discounts
Enjoy exclusive savings on dog treats, accessories and more.
Quotes tailored to your dog
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Older dog insurance
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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.
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Multi-pet insurance
Got a pack to cover? We’ll give you a discount of up to 15% for dogs (and cats) on the same policy – available on all but our Value 2k policy. That’s one of the highest multi-pet discounts in the UK.
Did we mention pet parents love us?
Here are just a few of the thousands of five-star reviews ManyPets members have written about our cat and dog insurance on Feefo.
“Dogs best friend”
Always there when I need them and providing an excellent service for Hugo
“Good value policy, efficient easy claims process”
I recently put in 2 claims for my dog, I was shocked when the next day I had an email to say my claim had been approved and paid. You really can't get better than that. The policy offers better protection, and at a lower cost than another well known policy providers.
“Great Insurance for your furry loved ones”
One of my dog has a long term illness that requires tablets everyday. ManyPets have been very supportive and helpful and have promptly paid for these tablets. I am glad we chose to use ManyPets. We took out the most extensive care plans that are available and they have proved their value time after time.
“Stop here you've found what you looking for!”
I cannot thank the Many Pets team enough for their compassion when dealing with my claim. They were the calm, whilst we were in a storm, regarding our pets health. Without their professionalism & the calm reassuring way they dealt with us, I really do think we wouldn't have our dog with us today. I was also grateful, that Many Pets dealt directly with my vet. I wish I could give them more than five stars.
Claiming is easy
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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 FAQ
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 memorial 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.
Dog breed guides
Read our guides to some of the UK's favourite dog breeds, including common health conditions, personality traits, the cost of treatment and pet insurance.
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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.
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