Puppy insurance

Love every moment with your puppy

Keep tiny tails wagging – pet insurance with up to £15,000 vet fee cover a year.

  • Help's at hand day and night with 24/7 video vet calls
  • Pet care discounts to keep your pup happy and healthy
  • Up to £15,000 annual vet fee limit

Outstanding cover for your puppy

We understand you want the best for your pup. That's why we're making pet insurance better.
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Options to suit you

Choose our Moneyback option or no-excess on our regular policy until your little friend turns nine.

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Spread the cost

Vaccinations, 85 tennis balls... puppies can be expensive. So we won't charge you more to pay monthly.

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Help when you need it

Free vet video consultations 24 hours a day. Because pups get into trouble at all hours.

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Quality cover

All our policies have vet fee limits that reset when you renew so we can cover conditions year after year.

Cartoon of a pyramid of puppies

Do puppies really need pet insurance?

Puppies are a pretty accident-prone bunch.

Of all the dog insuranceclaims we received from 1 November 2020 to 31 October 2021, 26% of them were for pups under a year old. Nearly a quarter of those puppy claims were for accidents.

And well over half of those puppy accident claims were for intoxication or foreign bodies. Which goes to show how difficult it is for even the most diligent puppy parent to keep chewed up toys out of tummies, or grass seeds out of ears.

Our puppy owners also make thousands of calls a month to our free video vet service to get a quick answer about whether their dog needs to see a vet or is fine recovering from an ache or scrape at home.

It’s a good idea to take out pet insurance as early in your pet’s life as you can so that more conditions will be covered by your policy. If you wait and take out insurance after your dog has already had treatment, your insurer’s likely to exclude that issue and related conditions because they’ll be classed as pre-existing.

Policies for puppies

Choose the level of cover that's right for you.

CompleteRegularPre-existingValue
Policy details
Vet fee cover£15,000£7,000£7,000£3,000
Dental coverAccidents and illnessAccidents onlyAccidents onlyAccidents 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£99/yr
Free
£99/yr
Free
£99/yr
Free
£99/yr
Free
Man holding his dog

Couldn’t have been easier!

Got a new Chorkie puppy and one week later he jumped up and pulled my earring off, swallowing it! He didn't pass it so he was admitted. I thought there was a good chance in the insurance not paying but I couldn’t be more wrong. They were amazing on the phone and it was all done online with a few clicks. Couldn’t recommend this company more!

What sort of pet insurance do I need for my puppy?

The kind of pet insurance that works for you and your puppy will depend on the level of cover you’re looking for and how much you can afford to pay.

But some types of pet insurance are worth considering because they’re particularly useful for puppies.

Vets and owners often talk about lifetime policies, which means they have an annual limit for vet fees that refreshes each time you renew.

All of our policies work like that. It allows you to keep claiming for conditions as they develop, year after year.

Having access to a vet helpline can also be extremely valuable. Puppies can get up to all sorts of mischief and having instant help at hand is very reassuring.

All our policies come with a free video vet service. it doesn’t count as a claim when you call and it can be accessed 24/7.

If your pup comes with a few weeks’ free insurance from the rescue centre or breeder and you decide to switch to us, your pup will be covered immediately for accidents and illnesses, as long as there’s no break between your previous policy and your new one.

It’s a great way to set you both up for many more years of fun and walkies together.

Choose award-winning insurance for your pup

Cat and dog owners voted us Pet Insurance Provider Of The Year in the 2022 Moneyfacts Consumer Awards and we’ve received over 22,000 5-star Feefo reviews in the past 12 months.

Which Logo Dog Insurance December 2021 Complete Policy Award
Moneyfacts Pet Insurance Provider of the Year
Feefo Platinum Trusted Service Award
Fairer Finance 5 Star Pet Insurance 2022 - Rated by Experts

New puppy checklist

Getting a new puppy’s exciting, but it’s also a big responsibility.

Use this checklist to help you budget for those first-year puppy costs and set them up for a long, happy life.

  1. Flea and worm treatment – When you take out pet insurance with us we’ll offer you a discount on flea and worm treatment delivered to your door monthly with VetBox, so you never forget.

  2. Vaccinations – Puppies should be vaccinated at around eight to 10 weeks old, with the second dose two to four weeks later. Then you can start taking them out and about safely.

  3. Neutering – It’s not compulsory to neuter your dog, but if you don’t want even more puppies in your life it’s a good idea to consider neutering or spaying. Talk to your vet to help decide what’s right for your dog.

  4. Food – Kibble, canned or even raw food, it’s your choice. Make sure you choose one that’s appropriate for their age, breed and activity level. Discuss your options with your vet and don’t worry if you don’t get it right first time or if you have to change your plans to find something your dog enjoys.

  5. Training – Puppy classes will help with a dog’s social skills as they grow and you might want to budget for ongoing training, either in person or online.

  6. Holiday care and daycare – Have you thought about who’ll take care of the pup when you can’t? Consider the cost of a dog walker or daycare while you’re at work, as well as holiday boarding. Our customers get free pet house sitters through TrustedHousesitters.

  7. Insurance – Here’s one you can tick off the list right now.

Get quotes for puppy insurance

Frequently asked questions about puppy insurance

Everything else you need to know about cover for your policy.

What age can I insure my puppy from?

We can cover puppies from just four weeks old. A lot of other insurance providers will only cover pups aged six to eight weeks, but we want to make sure you have peace of mind as early as possible. You can also choose the start date for your policy, so if you know the date you’ll welcome your puppy home you can sort out your insurance to start as soon as they arrive. Just remember that you can't claim for accidents for in the first 48 hours and illnesses in the first 14 days of your policy.

Do puppies really need pet insurance?

Puppies are a pretty accident-prone bunch.

Of all the dog insurance claims we received from 1 November 2020 to 31 October 2021, 26% of them were for pups under a year old. Nearly a quarter of those puppy claims were for accidents.

It’s a good idea to take out pet insurance as early in your pet’s life as you can so that more conditions will be covered by your policy. If you wait and take out insurance after your dog has already had treatment your insurer is likely to exclude that issue and related conditions because they’ll be classed as pre-existing.

When can my puppy go outside?

Your puppy can explore your garden straight away as long as it’s safe (check those fences!), your vet says it’s fine and the garden isn’t used by unvaccinated dogs. But 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 taking care of your puppy before they’re fully protected. Diseases like distemper and parvovirus can be devastating in puppies and you could have an insurance claim rejected if your dog catches them before they’ve been vaccinated.

Can my puppy have pre-existing conditions?

It’s a misconception about puppies and 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, it’ll become a pre-existing condition for insurance if you don’t already have a policy.

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. 

But if a vet has already noticed a health condition in your pup before you have cover, the good news is we can still cover it in two ways:

  1. A Complete, Regular or Value policy, won’t cover the condition until two years after it ends. But as long as your puppy needs no treatment, medication or advice from a vet for the condition for two years, we’ll cover it in the future just as we would a new condition if it crops up again. 

  2. If you’re insuring an older pup who’s had no treatment, medication or advice in the previous three months you could get cover with our Pre-existing policy. If your pet has had treatment within the last three months, the condition will need to be free from treatment, medication or advice for three months before you can claim for it. For Pre-existing conditions you'll receive £1,500 in the first two years of cover. That changes to £7,000 from year three if you've not claimed for that condition.

Should a puppy come with insurance?

Some breeders and rescues send their pups to new homes with a few weeks’ insurance cover, but 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 immediately as long as there’s no gap between the two policies.

How much is pet insurance for my puppy?

The cost to insure your puppy depends on things like their breed, size and even where you live. The best way to find out how much insurance will cost for your pup is to get some quotes – it only takes a few minute.

Will I be covered if my puppy’s stolen?

Thankfully, puppy theft is rare, but our Complete policy includes cover for the cost of advertising and reward of lost or stolen dogs as standard and you can add that cover as an optional extra to all our other policies.