Menu

Pet insurance for
your cats and dogs

Buy online and get 12 months for the price of 9
Online introductory discounts are for the first 12 months of the policy.
All discounts are applied consecutively.

Defaqto 5 star rating for Advanced Cover only (when purchased with all the optional extras).

Defaqto is an independent researcher of financial products

Why choose Direct Line?

It can be stressful when something happens to your pet. If your pet suddenly becomes ill or injured, an emergency trip to the vet can sometimes cost thousands of pounds. Not everyone has this money to hand.

Pet insurance from Direct Line can help with any unexpected vet bills. Our pet insurance is designed to give you peace of mind.


24/7 online access
to a
qualified vet

Free access to PawSquad, offering live chat and video
calls with UK vets who can answer your questions.

Existing customer? Get PawSquad

Save on your pets medication

Direct Line has partnered with Pet Drugs Online, so you can get more out of your pet insurance.

Start saving with Pet Drugs Online

This offer is not an endorsement by Direct Line of www.petdrugsonline.co.uk and customers should always rely on the advice of their vet with regard to diagnosis, treatment and medicines for their pet.

Customisable cover

Whether you're looking to insure your cat or your dog, our range of cover enhancements help you make the right choice.

Multi-pet discount

Save 12.5% if you have more than one pet to insure on the same policy. And, if you’re an existing customer, please give us a call on 0345 246 8705 to add on your pets.
Learn more

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

Claim online

Claiming online is quick and easy, just fill out our form so we can deal with your vet directly.

Make a claim

24/7 online access to a qualified vet

Free access to PawSquad, offering live chat and video calls with UK vets who can answer your questions.

  • 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

Existing customer? Get PawSquad

Save on your pets medication

Direct Line has partnered with Pet Drugs Online, so you can get more out of your pet insurance.

  • Discounted medication so your claim limit can go further, which is especially helpful for ongoing treatments
  • Prescription fees covered up to £15
  • Discounted pet food, toys and general health products

Start saving with Pet Drugs Online

pet drugs online - logo
This offer is not an endorsement by Direct Line of www.petdrugsonline.co.uk and customers should always rely on the advice of their vet with regard to diagnosis, treatment and medicines for their pet.

Multi-pet discount

Save 12.5% if you have more than one pet to insure on the same policy. And, if you’re an existing customer, please give us a call on 0345 246 8705 to add on your pets.

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

Customisable cover

Whether you’re looking to insure your cat or your dog, our range of cover enhancements help you make the right choice.

Claim online

Claiming online is quick and easy, just fill out our form so we can deal with your vet directly.

Make a claim

Compare our pet insurance cover levels

Our pets are all different. That’s why have two types of customisable cover.

What policy is right for you?

We recommend you insure your pets for any costs you couldn’t pay yourself.

Things to consider

Essential cover
From £7.78 per month
Advanced cover
From £11.49 per month
Vets’ fees per condition
Necessary treatment for each separate condition
Vets’ fees per condition
Necessary treatment for each separate condition
Up to £4,000 Up to £8,000
Time limit per condition
Maximum time each condition is covered
Time limit per condition
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
Cover for accidents, injuries and disease
Including dental accident
Complementary treatments
Including physiotherapy and hydrotherapy
Complementary treatments
Including physiotherapy and hydrotherapy
Dental disease
Treatment costs for tooth and gum disease
Dental 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
Euthanasia
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 with PawSquad
A video and online chat service
24/7 free online vet access with PawSquad
A video and online chat service
Help when you need it
Practical legal advice and bereavement helplines
Help when you need it
Practical legal advice and bereavement helplines
5 in 1 care package
We will cover advertising and reward fees, pet boarding, death of a pet, lost pet and holiday cancellation fees
5 in 1 care package
We will cover advertising and reward fees, pet boarding, death of a pet, lost pet and holiday cancellation fees
Optional
for an additional cost
Optional
for an additional cost
Third party liability for your pet (dogs only)
Up to £2.5 million towards costs awarded against you as a result of an accidental incident involving your pet
Third party liability for your pet (dogs only)
Up to £2.5 million towards costs awarded against you as a result of an accidental incident involving your pet
Optional
for an additional cost
Optional
for an additional cost
Overseas travel cover
For journeys to countries included in the UK Government’s Pet Travel Scheme
Overseas travel cover
For journeys to countries included in the UK Government’s Pet Travel Scheme
Optional
for an additional cost
Optional
for an additional cost
Expand the comparison table

10% of customers achieve these prices. Cover is only available providing the policy remains in force.

What other benefits are available?

5 in 1 care package
Paw icon Paw icon Paw icon

Advertising and reward

Up to £1,000 towards advertising if your pet goes missing
House icon House icon House icon

Pet boarding fees

Up to £1,000 if you have to stay in hospital for more than four days
Flower icon Flower icon Flower icon

Death of pet

Get the original purchase price you paid for your pet up to £1,500
Signpost icon Signpost icon Signpost icon

Lost pet

Get the purchase price of your pet up to £1,500 if it’s lost or stolen
Plane icon Plane icon Plane icon

Holiday cancellation

Up to £5,000 for uncovered costs because of your pet’s urgent needs
Third party liability for your pet (dogs only)

This covers you if a person suffers an injury or dies, or property is damaged, as a result of an accidental incident involving your pet during a period of insurance. We’ll pay up to £2.5 million towards compensation and costs awarded against you by a court, plus the legal costs and expenses for defending a claim made against you.

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

Cat image
Cat image

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.

Read more

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 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.
  • A pre-existing condition is 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.
  • Before taking out insurance, make sure pre-existing conditions are covered. Remember, once a pet starts having treatment for an ongoing condition it will be classified as a pre‐existing condition if you take out a new policy or change insurer.

Read more

What’s not included in your pet insurance?

You can download our pet insurance policy documents for a full list on what isn’t covered.

Download pet insurance policy documents

What affects your pet insurance quote?

  • Age. The older your pet gets, the more expensive your cover is likely to be. This is because your pet is more prone to chronic medical conditions in its later years.

  • Rising vet fees. Fees are increasing throughout the UK because vets can now provide more advanced treatments.

  • Breed. Some breeds are more expensive to insure as they’re more susceptible to certain medical conditions.

  • IPT. If Insurance Premium Tax either increases or decreases, insurance premiums are impacted.

Need more help?

Give us a call and we'll get it
sorted for you.

0345 246 8705

Mon-Fri: 8am-9pm
Sat: 9am-5pm
Sun: 10am-5pm

Frequently asked questions

q1
Do your policies provide cover for life?

Although we don't provide a 'lifetime' policy, 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 2018 less than 3% 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?

If you were unaware of your pet's condition when you took out your policy, then hereditary and congenital conditions are covered.

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?

When you get in touch, one of our Claims Advisors will let you know approximately how long your claim will take to process. As long as we have all the information required, and you claim within the terms of the policy, we will settle a claim as quickly as possible.

q5
What is PawSquad?

PawSquad is a 24/7 vet advice line exclusively available for Direct Line Pet customers. Independent practicing vets are available to discuss any problem, anytime, either through online chat or video chat.

Guides and articles