Pet Benefits Guide

As described in our pet insurance guide, your Pet Insurance policy is essentially a series of policy benefits that provides cover for a variety of scenarios related to your pet. Below is a complete list of benefits that you'll find on Puffin Insurance policies. Please remember that this is just a brief description of the benefit and you should read the policy documentation to get a full description, including any exclusions and clauses, of the benefits.

Accidental Death

Similar to 'Theft or Straying' cover, in the unfortunate event that your pet has to be put to sleep the benefit will 'pay out' the price you paid to purchase your pet up to the cover limit. The amount of cover typically varies between dogs and cats. There is no excess associated with this benefit.

Complimentary Treatment

This benefit provides cover for complementary treatments, such as  herbal medicine, homeopathy and physiotherpy, but only if these have been specifically recommended by the Vet looking after your pet. 

Condition Limit

The amount you can claim (under the Vet Fees section of cover) for any one condition

Death From Accident

If your pet dies, or has to be put to sleep by a vet, as a result of an accident, we will cover the purchase cost of your pet, up to a value of £250 for dogs and £100 for cats. This benefit is only for pets aged 5 yeas and below.

Death From Illness

If your pet dies, or has to be put to sleep by a vet, as a result of an illness, we will cover the purchase cost of your pet, up to a value of £250 for dogs and £100 for cats. This benefit is only for pets aged 5 yeas and below.

Public Liability

If your dog injures someone, damages property or causes an accident, you might be liable for any costs incurred, including legal costs. Public liability benefit will cover these costs, up to the value shown. 

The concept of public liability cover does not exist for cats as they are considered 'free spirits' in the eyes of the law and therefore owners cannot be held accountable for their actions. 

Theft and Straying

If your pet goes missing or is stolen we will cover the purchase cost of your pet up to a value of £250 for dogs and £100 for cats. This benefit provides cover only once your pet has been missing for 90 days or more. 

Vet Fee Excess

The excess is your contribution towards a claim. This is the first amount of each claim which is payable by you. It is paid by you directly to your Vet.

Vet Fees

This benefit provides cover for the cost of Vet fees required to treat your pet in the case of accident or illness, up to the cover levels shown. The amount of vet fees we will pay out changes depending on the level of cover you purchase, with increasing amounts of cover for bronze, silver and gold.