Pet insurance with theft and stray cover
Cover for lost or stolen pets
We know how much your pets mean to you, which is why we offer help and support if your cat or dog is stolen or goes missing.
)
Pet Insurance Provider Of The Year 2025
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2025, 2024, 2022 and 2021 Moneyfacts Consumer Awards.
)
)
){kind=icon}
:quality(75))
How does our lost and stolen cover work?
We always hope your pets stay safe and sound, but theft does happen occasionally - and can be devastating for pet parents. There’s also a chance your cat or dog could get lost while exploring unfamiliar places, or run off if they’re scared or anxious.
We include lost and stolen cover – or theft and stray cover, as some insurers call it – as standard on all our plans. The cover includes:
Advertising in the area where your pet went missing.
Money for a reward for the return of the cat or dog.
Replacement of the original cost or market value of your pet if they’re not found within 30 days on all plans except Essential Care.
We can’t pay advertising and rewards cover if your pet returns within 48 hours, and rewards are limited to twice the purchase price of your pet or its current market value.
Please read your handbook to see exact cover details for your plan.
Remember, it’s compulsory under UK law for dogs to be microchipped and became compulsory for cats from 2024. Because the chip will contain all your details, it can be a big help in safely reuniting you with your pet should they ever go missing.
Get a pet insurance quote with lost and stolen cover
:quality(75))
Puppy Insurance
:quality(75))
Dog insurance
:quality(75))
Old dog Insurance
:quality(75))
Kitten insurance
:quality(75))
Cat insurance
:quality(75))
Older cat insurance
:quality(75))
What are the limits on lost and stolen cover?
Your lost and stolen cover offers support should something unexpected happen to your pet – but it’s also important to know what it doesn't pay for.
Our lost and stolen insurance won’t cover:
Pets that go missing or are stolen within 14 days of you taking the policy out
Advertising or rewards costs if your pet returns within 48 hours
Pets that go missing or are stolen while someone else is being paid to look after them
Rewards to your family or anyone who lives with you
Pets that aren't microchipped. Your pet must be microchipped to qualify for lost and stolen insurance if you purchased or renewed a policy after August 1st, 2024.
It’s important to check your handbook to see exactly what is and isn’t covered by your lost and stolen insurance.
How do I make a lost or stolen insurance claim?
:quality(75)){kind=icon}
1. Get in touch
If your pet is lost or stolen please get in touch with us as soon as possible. We’ll need evidence that your pet is lost or stolen, and of the costs you’ve incurred in advertising or rewards.
2. Access your account
Give us a call or click on My Account to submit your lost or stolen claim online.:quality(75)){kind=icon}
3. Make your claim
Click the “Make a claim” button and fill out the details. You’ll need to tell us what happened to your pet, and upload copies of the relevant documents.Lost and stolen insurance FAQs
Everything else you need to know about your pet’s lost and stolen insurance cover.
Can I insure my pet against theft?
Insurers don’t typically offer standalone theft insurance for pets. Lost and stolen cover is included as standard on all of our plans. Your insurance can help with the cost of advertising your missing pet, and the cost of rewards for the pet’s return.
What should I do if I don’t have the receipt from buying my pet?
If you don’t have the receipt from buying your pet, we can offer theft and stray cover up to their current market value, factoring-in their age, breed, gender, and date they went missing.
Can pet insurance help to find my pet?
With theft and stray cover you’ll have help towards the financial cost of advertising your missing pet, through print and social media, and will be able to offer a financial reward for its return.
Does pet insurance cover vaccinations?
No, vaccinations aren’t covered by pet insurance because they’re classed as routine procedures.
:quality(75))
:quality(75))
:quality(75))
:quality(75))