Our
pet insurance
products

Choose from two levels of vet fee cover – Essential and Advanced. Both come with some optional additional benefits that you can choose from in order to suit your individual needs.

Policy documents

For full details and exclusions please download our
Pet Insurance summary and Pet Insurance documents.

What's included
  • Vets' fees

    Get extra peace of mind with double cover limits in vets’ fees per condition when compared to our Essential Cover, and no time limits (provided your cover is still in force). This includes:


    • Up to £45 towards consultation fees for each visit to the vet
    • Up to £110 towards additional fees for each out-of-hours visit
    • Up to £70 towards histology fees (the microscopic study of tissue)
    • Up to £70 towards cytology fees (the microscopic study of cells)
    • Up to £35 per session towards hydrotherapy and physiotherapy fees
  • Dental Treatment

    Up to £1,000 towards dental treatment costs for tooth and gum disease/illness.

    This is included within the total vet fee limit of £8,000

  • No time limits on any condition

    There are no time limits on any condition – e.g. arthritis - if you choose our Advanced Cover.

  • Cover for an unlimited number of short and long-term conditions

    This means you’re covered if your pet develops a short or a long-term condition such as diabetes.

  • Legal advice line

    Owning a pet comes with many responsibilities. Your Advanced Cover gives you access to practical legal advice on any personal problem, whether or not it relates to an incident or issue involving your pet. Our legal team is here to explain complicated legal issues in plain language and in a helpful and friendly way. Give them a call at 0370 600 0633.

  • Bereavement helpline

    It can sometimes be difficult to come to terms with the death of a much-loved pet. Call our professional team on 0370 600 0633 and share your thoughts and feelings with them. Get advice and support on how to cope with grief.

  • Find-a-Vet helpline

    If for some reason you can’t contact your usual vet, or you and your pet are away from home in the UK and need a vet, then you can call 0370 600 0633 for help. Our advisors can provide you with details of a vet’s practice near you.

All our pet advice lines are open 24 hours a day, 365 days a year.

Optional extras

5 extras in 1 package

These additional benefits come as a single package.


Third party liability for your pet (dogs only)

Get up to £2 million cover if your dog injures someone or causes damage to property.


Overseas travel

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

What's not included
  • Claims for any illness or disease arising during the first 14 days of the pet being covered.
  • Claims for or connected with, or a recurrence of, a pre-existing condition, symptom or event.
  • Claims for behavioural problems or traits.
  • The use of your pet for commercial, guard, breeding, security or working purposes, or for racing, or any claims arising from these uses.
  • Claims as a result of your pet worrying livestock of any kind, including horses whether kept for work or leisure purposes.
  • Claims arising from or related to, or costs associated with criminal proceedings or fines.
  • Any payment for any claim that results from an incident covered by other insurance unless the cover provided by that insurance has been used up.

Policy documents

For full details and exclusions please download our
Pet Insurance summary and Pet Insurance documents.

What's included
  • Vets' fees

    Our Essential pet insurance covers you for up to £4,000 in vets’ fees for each illness, injury or disease for up to 12 months from the first date of treatment (provided your cover is still in force). This includes:

    • Up to £45 towards consultation fees for each visit to the vet
    • Up to £110 towards additional fees for each out-of-hours visit
    • Up to £70 towards histology fees (the microscopic study of tissue)
    • Up to £70 towards cytology fees (the microscopic study of cells)
    • Up to £35 per session towards hydrotherapy and physiotherapy fees
  • 12 months of cover for each condition

    Starting from the date of your pet’s first treatment.

  • Most suitable for short-term illnesses and injuries

    This means we’ll give you the support you need for short-term illnesses and injuries such as a broken leg, so that you can concentrate on looking after your best friend.

  • Legal advice line

    Owning a pet comes with many responsibilities. Your Essential Cover gives you access to practical legal advice on any personal problem, whether or not it relates to an incident or issue involving your pet. Our legal team is here to explain complicated legal issues in plain language and in a helpful and friendly way. Give them a call at 0370 600 0633.

  • Bereavement helpline

    It can sometimes be difficult to come to terms with the death of a much-loved pet. Call our professional team on 0370 600 0633 and share your thoughts and feelings with them. Get advice and support on how to cope with grief.



All our pet advice lines are open 24 hours a day, 365 days a year.

  • Find-a-Vet helpline

    If for some reason you can’t contact your usual vet, or you and your pet are away from home in the UK and need a vet, then you can call 0370 600 0633 for help. Our advisors can provide you with details of a vet’s practice near you.

Optional extras

5 extras in 1 package

These additional benefits come as a single package.


Third party liability for your pet (dogs only)

Get up to £2 million cover if your dog injures someone or causes damage to property.


Overseas travel

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

What's not included
  • Claims for any illness or disease arising during the first 14 days of the pet being covered.
  • Claims for or connected with, or a recurrence of, a pre-existing condition, symptom or event.
  • Claims for behavioural problems or traits.
  • The use of your pet for commercial, guard, breeding, security or working purposes, or for racing, or any claims arising from these uses.
  • Claims as a result of your pet worrying livestock of any kind, including horses whether kept for work or leisure purposes.
  • Claims arising from or related to, or costs associated with criminal proceedings or fines.
  • Any payment for any claim that results from an incident covered by other insurance unless the cover provided by that insurance has been used up.

directline logo
Do you have any  insurance policies  with Direct Line?
Close ×
directline logo
Do you have any  insurance policies  with Direct Line?

Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

Close ×