What age can I insure my puppy from?

We can cover puppies from just four weeks old. You can also choose the start date for your plan, so if you know the date that you’ll be welcoming your puppy home, you can get your insurance to start as soon as they arrive. Just remember: you can't claim for accidents in the first 48 hours or for illnesses in the first 14 days of your plan.

When can my puppy go outside?

Your puppy can explore your garden straight away as long as it’s safe (check those fences!), and as long as your vet says it’s fine and the garden isn’t used by unvaccinated dogs. With that said, it’s a good idea to wait until a week after their second vaccinations before taking them out for walks. It’s important to make sure you follow your vet’s advice on vaccinations and on taking care of your puppy before they’re fully protected. Diseases like distemper and parvovirus can be devastating for pet parents should they fall ill before they’ve been vaccinated.

Does pet insurance cover puppy vaccinations?

Vaccinations aren’t covered by your puppy insurance plan because they’re classified as routine procedures.

Can my puppy have pre-existing conditions?

It’s a misconception about puppy health insurance that you won’t have to worry about cover for pre-existing conditions because they’re too young to have been poorly in the past. Sadly dogs can develop an illness at any age, and some pups will be born with health issues. And as soon as they’re noted by a vet on your puppy’s veterinary records, they’ll become pre-existing conditions for insurance purposes if you don’t already have a plan. That’s one of the reasons why we cover pups from four weeks old: we want you to have peace of mind from the moment they join your family. If a vet has noticed a health condition in your pup before you have cover, the good news is we can still cover it in two ways:

Should a puppy come with insurance?

Some breeders and rescues send their pups to new homes with a few weeks’ insurance cover, but you’ll need to check any documents carefully to find out what you’re getting, and how long it lasts. If you arrange cover with us as soon as your free puppy insurance expires, you’ll be covered for most things after a waiting period of 14 days for illness and 48 hours for accidents. Check your policy wording for more details.

Will I be covered if my puppy’s stolen?

All of our plans have some lost and stolen cover , with Complete Care having up to £6,000 for advertising and reward costs.

Which puppies cost more to insure?

A puppy’s breed is one of the factors insurers look at when working out your insurance price. The most expensive puppies vary from year to year. But typically, you’ll find these breeds on the “most expensive puppies to own” lists:

How can I keep my puppy healthy?

Good question! Here’s what we recommend early on:

Does puppy insurance include dental cover?

Yes – Standard Care, Standard Care Pre-existing and Complete Care plans include dental cover for accidents and illness. But Essential Care doesn't cover dental illness, and has up to £1k for dental accidents. Make sure you read your handbook carefully before getting a plan.

Puppy insurance

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Pre-existing conditions

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Compare our puppy insurance plans

	Complete Care	Standard Care	Standard Care Pre-existing	Essential Care
Plan details
Vet fee cover up to	£20,000	£10,000	£7,000	£5,000
Pre-existing conditions cover
Excess	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)	Once per year (not per condition, like many other insurers)
CT/MRI scan and cruciate ligament surgery				£1,000
Dental illness & accident				Accidents only (Up to £1,000)
Complications from routine treatment
Emergency boarding	£1,000	£1,000	£1,000	£1,000
Death of your pet	£6,000	£1,500	£1,500	£500
Missing or stolen (including advertising)	£6,000	£1,500	£1,500	£500 (excluding replacement costs)
Behaviour treatment