Our Pet Policies

A range of Lifetime and Condition Limited policies

"Insurance Speak"

Whilst every effort has been made to keep the content of our website simple, sometimes 'insurance jargon' is unavoidable, we also recognise that some of the concepts used in the structure of policies are not things that most people use on a day to day basis. To this end, we recommend you read our short Pet Insurance Guide if any of the words or concepts used below don't make complete sense.

Two types of policy

At Puffin, we offer two types of Pet Insurance policy for dogs and cats:

  • Lifetime policies; whereby we continue to pay vets bills (up to the annual policy limit) for any medical conditions that your pet develops whilst insured with us.
  • Condition Limited; whereby we pay vets bills up to a total annual limit, with an 'inner-limit' for any one condition.

The difference between these can be confusing, so if you're uncertain read our Pet Insurance guide.

For both Lifetime and Condition Limited policies, we offer three levels of cover (Bronze, Silver and Gold) with increasing cover limits.

What pets do we cover?

We will insure dogs and cats up to 14 years old. We can provide cover for nearly 400 different breeds of dogs (including cross breeds / mongrels) and for all breeds of cat. To find out if we can cover your breed of dog, fill in our 'get Pet Quote' page. There are also certain 'eligibility' criteria that have to be met to to take out our insurance. These are detailed in our policy documents but in summary...

  • Your pet must be older than 8 weeks and younger than 14 years when you purchase the policy.
  • Your pet must not be used for guarding, track racing our coursing.
  • Your dog must not be crossed with certain breeds
  • Your dog must not have been subject of any complaint to the police
  • You and your pet must be permanent residents of the UK.
  • Your dog must be micro-chipped.

What cover is provided?

Vet Fees

The primary reason most people want Pet Insurance, is to cover the cost of vet fees should your pet have an accident or become ill. The amount of vet fees that we will cover depends on the policy you purchase (see Summary of cover levels). All vet fees are subject to an excess, which is £99 for all policies. If your pet is more than 7 years old, you'll also be required to pay a portion of the vet fees as well as the excess (this is known as 'co-insurance' and is described in our Pet Insurance guide).

Complimentary treatment

In addition to vet fees, we will also pay for certain complimentary therapy/treatment, up to a limit, such as: physiotherapy, pet behaviour counsellors, hydrotherapy and herbal or homeopathic medicine if prescribed by your vet.

Theft or straying

In the unfortunate circumstance that your pet is stolen or goes missing, we will cover the purchase price of your pet (up to a limit).

Accidental death

Similar to 'Theft or Straying' cover, in the unfortunate event that your pet has to be put to sleep by a vet following an accident, we will cover the purchase price of the pet (up to a limit).

Summary of cover levels

Lifetime Policies

  Bronze Silver Gold
Vet excess* £99 £99 £99
Vet fees £1,250 £3,500 £4,500
Complementary treatment limit £1,000 £1,000 £1,000
Theft or straying (dogs) £250 £250 £250
Theft or straying (cats) £150 £150 £150
Death due to illness or accident (dogs) £250 £250 £250
Death due to illness or accident (cats) £150 £150 £150
Public liability £1,000,000 £1,000,000 £1,000,000

Condition Limited Policies

  Bronze Silver Gold
Vet excess* £99 £99 £99
Vet fees £1,250 £3,500 £4,500
Individual condition limit £1,000 £1,500 £2,000
Complementary treatment limit £1,000 £1,000 £1,000
Theft or straying (dogs) £250 £250 £250
Theft or straying (cats) £150 £150 £150
Death due to illness or accident (dogs) £250 £250 £250
Death due to illness or accident (cats) £150 £150 £150
Public liability £1,000,000 £1,000,000 £1,000,000

* pets over 7 years old are subject to co-insurance on top of this excess.

Current Policy Documents