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Pet insurance
for cats and dogs

Buy online and get 12
months for the price of 9

Online discounts are for the first 12 months of the policy.
All discounts are applied consecutively.

Reevoo score for independent claims service reviews.

Defaqto 5 star rating for Advanced Cover only (when purchasing all additional options).

Why choose Direct Line pet insurance?

24/7 online access to a qualified vet

Free access to PawSquad, offering live chat and video calls with UK vets who can answer questions relating to the care of your pet. Existing customer? Get PawSquad

  • 24/7 advice from a UK qualified vet wherever you are

  • Video calls enabling vets to see your pet face-to-face

  • Text chat with the option to upload images

  • Peace of mind knowing you've spoken to a vet

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Customisable cover

Whether you’re after cat insurance, dog insurance or both, our range of cover enhancements will enable you to choose the insurance that’s right for you.

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Multi-pet discount

Save 12.5% on the cost of pet insurance when you insure more than one pet on the same Direct Line policy. If you are an existing customer please call us to add additional pets.

Multi-pet discount is introductory and applies for the first 12 months of the policy. Learn more

Claim online

Fill out and submit our simple claim form and we'll deal with your vet directly, freeing you to care for your poorly pet.

Existing customer? Make a claim

Which cover is right for you?

With two types of customisable pet cover, you can be sure Direct Line will meet your cat and dog insurance needs. Our handy comparison table will help you understand the available options.

Which cover is right for you?

With two types of customisable pet cover, you can be sure Direct Line will meet your cat and dog insurance needs. Our handy comparison table will help you understand the available options.

Essential Cover
From £9.03 per month
Advanced Cover
From £12.22 per month
10% of customers achieve these prices
  Included    Not Included
Vets’ fees per condition

Necessary treatment for each separate condition

Necessary treatment for each seperate condition

up to £4,000 up to £8,000
Time limit per condition

Maximum time each condition is covered

Maximum time each condition is covered

12 months from the first date of treatment No time limits
Cover for accidents, injuries and disease

Including dental accident

Including dental accident

Complementary treatments

Including physiotherapy and hydrotherapy

Including physiotherapy and hydrotherapy

Dental disease

Treatment costs for tooth and gum disease

Treatment costs for tooth and gum disease

Up to £1,000
included in the overall vet fee limit

Euthanasia

Cover towards the cost of having to put your pet to sleep

Cover towards the cost of having to put your pet to sleep

Up to £100
included in the overall vet fee limit

24/7 free online vet access

PawSquad’s video and online chat services

PawSquad’s video and online chat services

Help when you need it

Practical legal advice and bereavement helplines

Practical legal advice and bereavement helplines

Expand features

Get a quote Get a quote

Enhance your pet cover

5 in 1 care package

Advertising and reward
Up to £1,000 towards advertising if your pet goes missing
Pet boarding fees
Up to £1,000 if you have to stay in hospital for more than four days
Death from accident or illness
Get the original purchase price you paid for your pet up to £1,500
Lost pet
Get the purchase price of your pet up to £1,500 if it’s lost or stolen
Holiday cancellation
Up to £5,000 for uncovered costs because of your pet’s urgent needs

Third party liability for your pet (dogs only)

We’ll pay up to £2.5 million towards compensation and costs awarded against you by a court and the legal costs and expenses for defending a claim against you, if as a result of an accidental incident involving your pet during a period of insurance:

  • property is damaged; or
  • a person suffers an injury or dies.

Overseas travel cover

Travel cover for journeys to countries included in the UK Government’s Pet Travel Scheme. This includes:

  • Quarantine costs – up to £1,500
  • Loss of your pet’s passport – up to £250
  • Repeat tapeworm treatment
  • Emergency expenses abroad – up to £300

Things you need to know

Claims won’t be covered when

  • Connected with, or a recurrence of, a pre‐existing condition, symptom or event.
  • The condition’s time or monetary limit has been reached.
  • Relating to any illness or disease arising during the first 14 days of cover.
  • Connected to behavioural problems or traits.
  • The cost of preventative, non‐essential or routine treatment.
  • Your pet is being used for, or claims arising from the use of your pet for commercial, guard, breeding, gun dog use, security or working purposes or for racing, unless agreed by us.

The above is only a summary of some of the exclusions. Please refer to the policy wording for the full policy terms and conditions.

Common confusions

  • Any condition or symptoms, or signs of injury or illness, that happen or exist in any form before the pet was covered by this insurance are classified as a pre‐existing condition.
  • Once a pet starts having treatment for an ongoing condition under a policy it will be classified as a pre‐existing condition when taking out a new policy or changing insurer. You should check whether cover for pre‐existing conditions is provided.
  • Ongoing claims will be covered up to the limit on your current pet insurance plan.
  • Your pet is only covered if your policy remains in force. Vet bills for ongoing conditions are only covered if the treatment arises during a period of insurance where the premium has been paid.

The above is only a summary of some of the exclusions. Please refer to the policy wording for the full policy terms and conditions.

Key factors impacting your pet insurance quote

  • As your pet gets older it’s more likely to suffer from a chronic medical condition, therefore increasing the cost of the cover.
  • The cost of veterinary care is increasing in part due to advancements in treatments vets can provide, with vet fees varying throughout the UK.
  • Premiums are adjusted as Insurance Premium Tax either increases or decreases.
  • Some breeds are more susceptible to certain medical conditions.
  • Be aware that any introductory discount expires at the first renewal date of your pet insurance plan.

When you may need to call

  • If you use your pet for any business or leisure activities.
  • If your cat or dog is under 8 weeks old.
  • If you need to insure more than 3 pets.

Need more help?

Our web chat team are here to answer your questions

Get in touch

0345 246 8705

0345 246 8705

You can also get a pet insurance quote by giving us a call

Mon‐Fri: 8am‐9pm | Sat: 9am‐5pm | Sun: 10am‐5pm

Frequently asked questions

q1 Do your policies provide cover for life?
We don’t provide a ‘lifetime’ policy, but our Advanced policy will cover each separate illness or injury up to £8,000. There’s no time limit on how long we will cover the condition for as long as your policy remains in force with us. In 2017 less than 1% of closed claims reached the £8,000 limit.
q2 What do you mean by a pre-existing condition?
It means any condition or symptoms or signs of injury, illness or disease which occurred or existed in any form, prior to taking out a policy with us.

Should any illness or disease occur during the first 14 days of taking out a policy, this would also be classed as pre-existing and therefore not covered.

Once a pet starts having treatment for a medical condition under a policy it becomes a pre-existing condition. Any ongoing claims would be covered up to the limit as described in your policy, but if you take out a new policy or change insurer in the future you should check whether cover for pre-existing conditions is provided.
q3 Are hereditary and/or congenital conditions covered by the Pet Insurance policy?
Hereditary and congenital conditions are covered under the policy as long as you were unaware of your pet's condition at the time you took out the policy.

As with any illness or disease, your pet must not be exhibiting any signs or symptoms of the condition prior to or within 14 days of the cover starting.
q4 How long does it take to settle a pet insurance policy claim?
Some claims are more straightforward than others – when you call us, one of our Claims Advisors will give you an indication of the timescales involved. Provided the claim is within the terms of the policy, and we have all the information we require, we aim to settle a claim promptly.
More FAQsVisit our FAQs

Pawsquad provides:

Existing customer? Get PawSquad

Pre‐existing conditions

Any condition or symptoms, or signs of injury or illness, that happen or exist in any form before the pet was covered by this insurance. This includes any recurrence of that condition.

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