Specialist Pet insurance for cats, dogs and working dogs
Over 37 years of experience protecting the UK’s cats and dogs plus 20% off your first year of cover
At petGuard we have over 37 years of experience providing specialist pet insurance for cats, dogs, kittens and puppies. Our flexible cover means you can choose from three levels of vet fees and we can even pay claims straight to your vet. With 20% off your first year of cover and interest-free monthly payments, it’s never been easier to switch to petGuard.
New Customer
If you're a new customer, then we can point you in the right direction.
Existing Customer
If you're an existing policy holder then we're here to help with anything you need.
Existing Policy Holders
Why choose petGuard insurance?
Pet insurance that you can trust
What happens if your cat or dog hurts themselves or becomes unwell? No pet owner wants to think about it, but injuries or illnesses can happen with pets at any time. Our cover can help you manage the cost of vet bills, including the costs of clinical diets, behavioural issues, complementary treatment and much more.
Protection for your pets with petGuard
Best friends deserve the best possible cover
Pet insurance can help protect you against the cost of expensive vet bills, if your cat or dog needs treatment for an injury or illness. At petGuard, you can help protect the health and well-being of your pet with our wide-ranging levels of cover and at a price that suits your budget.
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Three levels of cover
What can we offer you?
We offer three levels of vet fee cover, these are £3,000, £6,000 or £12,000. All of them come with lots of cover benefits and are priced to suit a range of budgets.
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It’s easy to claim
How do you claim on your pet insurance?
For the many thousands of cat and dog owners that we have helped, our aim is to make the claims process as easy and straight-forward as possible; which is why so many continue to insure with petGuard each year. We are here for you if you need us, so you can focus on helping to care for your cat or dog when they need you most.
If your pet is injured or falls ill, please call our UK based specialist pet team and will help support you through the claims process. Once we’ve received your claim, we’ll keep you updated regularly by text or phone. When it comes to paying the vet’s bill, we can either pay you, or we can pay your vet directly, it really is whichever is easiest for you.
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Accident and Illness pet insurance
What does Accident and Illness insurance cover?
All our accident and illness policies offer lifetime pet insurance cover. What we mean by ‘Lifetime’ is that you have a veterinary fee limit that you are able to claim each policy term. This limit refills when you renew your policy each year, so you can continue to claim for ongoing, long-term conditions that may span over many years of your pet’s life. So, providing you keep your payments up to date, you renew your policy each year and subject to your Policy Terms and Conditions, we’ve got you covered.
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Multi-pet Discount
How much is your multi-pet discount?
If you have multiple pets insured with us, you will receive a multi-pet discount for each policy that you have on cover.
Accident and Illness cover for cats, dogs, puppies and kittens
What does a petGuard policy cover you against?
With our Accident and Illness policies, you can choose between three levels of cover, offering vet fees cover up to £12,000. If you insure multiple pets with us, you can even benefit from a multi-pet discount! Take a look at what’s included in our wide-ranging cover and see what we offer, so we can try and protect the ones you love.
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Veterinary Fees
Worried about facing an expensive vet bill?
petGuard will help to cover the cost of veterinary treatment if your cat or dog falls ill or gets injured. We appreciate that the needs of cat and dog owners are as different as each individual pet, which is why we offer three levels of vet fees cover; however, all our policies include the same wide-ranging levels of cover, regardless of which limit you choose. We also provide cover for complementary treatments prescribed by your vet, which is up to 25% of the total vet fee limit that you choose, every policy term.
Just to make you aware, you cannot claim for any illness within the first 14 days of your cover start date.
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Cover for ongoing conditions
Will my pet insurance cover long-term conditions?
Regardless of which vet fee limit you choose, you can claim up to that limit each and every policy term. If your policy is renewed, your vet fee limit is refreshed, meaning you can claim up to that limit again over the next 12-month policy term. So, we can continue offering cover for chronic and long-term conditions each year your policy is renewed with us, subject to the Policy Terms and Conditions.
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Emergency boarding kennel and cattery fees and daily minding
Who will look after your pet if something happens to you?
If you can’t look after your pet and you need emergency medical treatment, we can look to pay towards the costs of daily minding, kennelling, cattery or boarding fees. You can claim up to £1,500 each policy term, whilst you’re on the mend.
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Holiday cancellation
What happens if you need to cancel your holiday or cut it short because of your poorly pet?
If you need to cancel your holiday because your pet needs lifesaving treatment, or you need to cut your holiday short because your pet has gone missing whilst you are away, we can provide cover up to £5,000 towards the costs that you are unable to recover.
THE BENEFITS OF PETGUARD PET INSURANCE
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Accidental Damage to Pet Accessories
Do you own a few pet accessories or gadgets?
We can look to cover these too! If your pet’s accessories (such as a tracking device) is either damaged or stolen, providing you have owned the accessory from new, we can provide up to £500 to either repair or replace it.
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Accidental Damage to Third-Party Property
What happens if your visiting someone and your pet breaks something?
We know pets can be clumsy, but we also know that they don’t mean it. If you take your cat to visit someone outside of your family and they happen to break their expensive vase, or if you have a dog and they knock over a drink and cause a spill, don’t panic - we have got you covered. We can provide cover up to £500 towards of the costs of replacing property owned by a third party that’s been accidentally damaged.
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Advertising and reward costs
What can we do if you have lost your pet?
If your pet has been missing for over 24 hours, you can claim towards the costs of missing pet posters, local advertising costs and also, up to a £250 reward if your pet is found.
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Theft or straying
What happens if your pet is stolen or goes missing?
If your pet has gone missing or has been stolen for more than 90 days, we can look to provide cover of up to £1,500 towards the cost of your pets purchase price. If you didn’t purchase your pet or you can’t provide us with evidence of this, we will pay up to the market value of your pet instead.
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Transportation between vets
What if you need to take your pet to a different vet?
If your vet recommends that your pet is referred for treatment with another vet or specialist, we can provide cover up to £200 towards any travel costs and essential overnight expenses.
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Farewell cover
Does pet insurance cover farewell costs?
Losing your pet doesn’t bear thinking about, but if the worst happens, we want to make sure you can give your pet the send-off they deserve. We offer cover up to £200 if your vet needs to put your pet to sleep and also, towards the costs of cremation or burial.
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Overseas pet travel
Am I covered if I travel with my pet abroad?
With our overseas travel cover, providing your pet complies with the Pet Travel Scheme (PETS), you don’t have to leave them behind if you take a trip away for up to 60 days at a time across Europe. This includes the Channel Islands (consisting of the Bailiwick of Jersey and the Bailiwick of Guernsey), the Isle of Man and the Republic of Ireland.
We can help towards the costs of Quarantine expenses, providing up to £2000 cover each policy term, towards the costs of kennelling your pet and getting new pet travel documents, if your pet’s microchip fails or if your pet is put into quarantine due to illness.
You are also covered up to £1500 each policy term towards Emergency expenses, if your pet needs emergency veterinary treatment, goes missing, you lose your pets travel documents or you have to re-worm your pet due to your original departure being delayed.
You can read more about our Overseas travel cover here.
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Optional cover – Third Party Liability cover (Dogs only)
What will Third Party Liability protect me against?
You can choose to insure your dog for Third Party Liability on all our levels of cover. This protects you if your dog is involved in an incident and for example, they are involved in a traffic accident or they injure a member of the public. You are covered up to £2 million to protect you against any claims that may be brought against you.
If you have an assistance dog, in order to claim under this section of cover, they must be trained in accordance with guidance of a member organisation of Assistance Dogs UK (ADUK).
Which types of pet do we cover at petGuard?
Find out which types of pet we cover
Dogs
Pay monthly to protect your dog at no extra cost
Puppies
Pay monthly to protect your puppy at no extra cost
Cats
Pay monthly to protect your cat at no extra cost
Kittens
Pay monthly to protect your kitten at no extra cost
Working dogs
Pay monthly to protect your working dog at no extra cost
Gun dogs
Pay monthly to protect your gun dog at no extra cost
Support dogs
Pay monthly to protect your support dog at no extra cost
Pet insurance you can trust
Your questions answered
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Pre-existing conditions
Do you cover pre-existing medical conditions?
Pre-existing conditions are usually identified by a vet in your cat or dog and can refer to both illnesses and injuries. Unfortunately, we can’t cover pre-existing illnesses or conditions that your pet suffers from. If you’d like more information on what is meant by ‘pre-existing conditions’ and our policy, then you can read more here.
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Changing your pet insurance
Can I switch my pet insurance?
At petGuard, it’s easy to switch your pet insurance to us. If you’re not happy with your current pet insurance, then you can get a quote with us when your current cover is due for renewal. We’re even offering 20% off your first year of cover for new petGuard customers! If you’ve never claimed on your pet insurance for vet treatment, then switching your cover to us shouldn’t be a problem. If your cat or dog has needed vet treatment for a medical condition or injury, then that pre-existing condition will not be covered when you switch to petGuard insurance.
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Age limits on pet insurance
Can I still get insurance for an older dog?
There is no upper age limit on our pet insurance. With our cover, you can apply for insurance for a senior cat or dog no matter their age.
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Working dog insurance
Can I get cover for a working dog?
Yes! We are able to cover working dogs. Our insurance includes dogs that are used for shooting, hunting or working with livestock. We also cover dogs whose job it is to assist you or somebody else, e.g. a therapy dog.
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Cat and dog breeders
Do you cover breeders?
We do not cover breeders or anyone who uses their pet for commercial breeding or monetary gain. We will not pay claims for any pet being used for breeding purposes and dogs used for guarding, racing, personal protection or search and rescue purposes.
Making a claim with petGuard
We’ve made making a claim so easy
If something has happened to your pet, then we're very sorry to hear it. If you find yourself needing to make a claim against your policy, then we'll tell you what your next steps are and how you can get in touch with us.
1. How to make a claim
If you need to make a claim, then feel free to contact our UK-based claims team on: 01423 447 365
Alternatively you can email: petguardclaims@ncionline.co.uk
Find out how to make a claim on Third Party Liability cover, or if your policy started before 1st May 2024 here.
2. Next Steps
Once you have made a claim, we will keep you regularly updated by either text or email.
3. What if my claim is successful?
If your claim has been successful, then we can issue the claim payment to:
- Your bank account, using the same details that you have provided us with, so you aren't left out of pocket, or;
- Directly to your vet, if your vet is able to accept direct payments and this is easier for you.
Read our latest articles and guides
If you can’t get enough of cats, kittens, puppies and dogs, our articles and guides might be just what you’re looking for! Here, you can settle into your favourite chair and enjoy our tips, guides and shared experiences of being a pet owner.
