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.

  • Lost and stolen cover included as standard on our Complete policy
  • Cover for lost or stolen pets is available on our other policies as an optional extra
  • Get help with advertising and reward costs for your lost or stolen pet
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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 with our Complete policy and as an optional extra on our other policies. It’s there to give you essential support if your pet goes missing and includes:

With our Regular policies our lost and stolen optional extra includes:

  • Advertising in the area where your pet went missing up to £1,500

  • Money for a reward for return of the cat or dog up to £1,500

  • Replacement of the original cost or market value of your pet if they’re not found within 30 days

With our Value policy, our lost and stolen optional extra includes:

  • Advertising in the area where your pet went missing up to £200

  • Money for a reward for return of the cat or dog up to £200

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.

Remember, it’s compulsory under UK law for dogs to be microchipped and will become 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

Did we mention our Complete policy includes lost and stolen cover as standard? It can also be added as an optional extra on our other policies.

Puppy Insurance

Puppies can be accident-prone, naughty, and vulnerable to illness. Get ahead of their health problems with our puppy insurance plans.

Dog insurance

When your dog is a part of the family, it helps to know that it's protected from accidents, illness, and other mishaps. We offer insurance for dogs of all shapes and sizes.

Old dog Insurance

Just like humans, our dogs are more likely to need cover as they age. Luckily our dog insurance cover has no upper age limit.

Kitten insurance

Kittens are curious and adventurous. Protect your younger feline friends as they grow and explore, with kitten insurance cover for accidents, illness and more.

Cat insurance

Protect your cat from bumps, scrapes, illness, and other potential problems. Explore our cat insurance plans here.

Older cat insurance

Take care of your cat into its golden years. Our older cat insurance policies offer cover for accidents, illness and other issues as your feline friend grows old.

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

It’s important to check your policy details to see exactly what is and isn’t covered by your lost and stolen insurance.

Our cover wins awards

You voted us Pet Insurance Provider Of The Year in the 2022 Moneyfacts Consumer Awards. And our Complete dog insurance policy came top of the Which? Best Buy table in December 2021 and 2022.

How do I make a lost or stolen insurance claim?

Making an insurance claim for your lost or stolen pet is easy. You can call us directly or make a claim online - simply follow these steps:
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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.

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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 in our Complete policy, and can be purchased as add-ons for our other policies. 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.

What type of pet insurance is right for me?

If your pet hasn’t needed vet treatment, medicine or advice for a condition within the last two years, any of our Complete, Regular or Value policies will be suitable for them.

Our Pre-existing policy can provide cover for a pet that’s had a more recent health issue. We’ll cover a condition as long as your pet’s been free from treatment, medicine or advice for three months.

Does pet insurance cover vaccinations?

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