Dog Insurance

Dogs, more so than other pets, are sometimes more likely to suffer from sickness and injury due to how active and sociable they are.

Some types of dogs are more prone to health issues, including large breeds which are likely to have joint issues.

Aside from joint issues and upset stomachs, dogs can also face some of the more common health issues that may be covered within a dog insurance policy such as:

Gum disease

Gum disease can be a serious problem that affects dogs and can also be very costly for a pet owner if left untreated. Insurance can cover the cost of treatments needed to treat gum disease.

It can also cover the cost of teeth extractions, which may be necessary in advanced cases, or for the replacement of lost teeth due to gum disease.

Here at Purely Pets, we cover dental treatment for accident only in year 1 and from year 2 onwards, we also cover dental illness*. For more details, please read our policy wording.

Ear infections

Ear infections are a common ailment for dogs and can be caused by a variety of reasons such as bacteria, fungi, mites, or allergies. Symptoms can include head shaking, pain, swelling, and discharge from the ear.

Treatment usually involves antibiotics, anti-inflammatory medications, and ear cleaning. If left untreated, it can lead to permanent hearing loss or even worse, deafness.

Dog owners may be able to utilise their pet insurance coverage to help cover the cost of medical treatment for ear infections, as they can be expensive.

*Subject to evidence of annual dental check-ups, and any treatment recommended by the vet has been carried out at your own expense.

If you own a happy and healthy pet, you might wonder 'is it worth insuring my dog?'

You should always protect your furry friend with dog insurance – here are three reasons why:

Vet bills can be costly: Even the healthiest of pets can sometimes fall ill or get into an accident, and veterinary fees don't come cheap. With a pet insurance policy in place, you can get them the care they need if the have an accidental injury, without worrying about expensive vet bills. Plus, if your dog injures someone else, or their property, third party liability cover can help pick up the pieces.

Your pet deserves the best care: Without dog insurance, it's easy for pet owners to go for the cheapest option available to treat their furry friend, but they deserve so much more. Dog insurance will cover the cost of veterinary treatment throughout your dog's life, meaning you can get your pet the right treatment, when they need it most.

Get covered before new illnesses develop: Trying to find  insurance once your pet is already ill is tricky. Pet insurance providers often won't cover a pre-existing condition, so you'll still need to pay the veterinary fees associated with this illness or injury. Read the policy wording carefully to check if your dog's pre existing condition is covered or not.

Here are some of the more common reasons behind the cost of a policy:

Having a pet is a long-term commitment which is why we offer three different levels of lifetime coverage for your dog or cat.

Lifetime insurance for your dog will provide coverage (upon approval) for your beloved companion for the duration of their lifetime, as long as the policy is renewed each year – just as the name suggests!

Here are some of the types of dog insurance policies available and what they all mean:

Lifetime insurance

These policies provide cover for the life of your pet and offer comprehensive coverage. They include cover for veterinary fees, third party liability, death from illness, death from accident, and more.
They may also offer additional benefits such as access to 24/7 vet video consultations or travel cover.

Here at Purely Pets, we love dogs just as much as you do, and want to make sure they get the cover they deserve. That's why we only offer lifetime protection.

If you would like to talk to one our pet insurance policy specialists, you can get in touch with us on 0330 102 5748 to find out more about our dog insurance policies or to find out more about making hassle-free claims with Purely Pets.

Maximum benefit policies

With maximum benefit plans, you get a predetermined amount of funds for each medical issue that arises with your pet, and these funds will keep being used for treatments until the money is completely used up.

Once this limit is reached, there is no further cover for that condition.

Time-limited

Time-limited pet insurance policies will usually provide a fixed amount to pay for the treatment of any sickness or injury your pet may suffer from.

It will also come with a designated length of time for which this treatment will be covered - typically 12 months from the start of the illness or injury, or from the first date of treatment, as long as the policy is still active.

The time limit doesn't refer to the total duration of the policy, but the maximum amount of time that any given illness or injury will be covered for.

Accident only policies

Accident-specific policies provide a fixed amount to cover the medical expenses related to accidental injury sustained by your pet. However, any accidents that occurred prior to the policy's commencement will not be eligible for coverage.

There is no type of pet insurance that is the best for everyone, the right choice always depends on circumstances. You should look for pet insurance which meets the needs of you and your pet.

Lifetime pet insurance provides the most comprehensive cover. Pet owners must be aware that even the best lifetime policy may not cover the cost of pre-existing conditions. That's why it's a good idea to get covered before your dog develops any new health issues.

Some policies include added benefits, our cover includes 24/7 access to expert vet care from the comfort of your home as standard.

Purely Pets can provide you with an online quote for your pet in minutes.

With a range of lifetime options available offering vets fees cover from £1,000-£15,000 and the option to choose your excess we can help you find the right cover for you and your pet at a price that suits you.

We also have a specialist Pet Insurance team that you can call on 0330 102 5748 to get a quote or discuss your options in more detail.

Even if your select the most comprehensive lifetime policy for your pet, it still may not cover pre-existing conditions. This includes any illness or injury your dog has or shows signs of developing before you take our insurance.

No, at Purely Pets, you cannot cover more than one dog on the same insurance policy.

However, multiple pets can be insured but each pet will have their own benefit limits. Therefore, any claims that may happen will not impact the other pets policy.

Yes, Purely Pets currently offer cover of up to £2,000 for dental treatment.

Dental cover as a result of an accident is covered in the first year of the policy and dental illness is covered after the policy has been live for a minimum of 12 months*.  

Coverage varies between policies (£2,000 is available on our Gold & Silver Lifetime plans & £500 on Bronze). It’s important to read the terms and conditions of the policy when selecting an insurance plan.

Depending on the insurance plan, there may be a maximum amount that can be reimbursed. It is also important to note that pre-existing conditions will not be covered.

*Subject to evidence of annual dental check-ups, and any treatment recommended by the vet has been carried out at your own expense.