Puppy Insurance for the perfect pooch
Have you just welcomed a new puppy into your life? Congratulations! Let us help you find the protection your new best friend deserves!
From their wild zoomies to playful curiosities, our puppy insurance gives you peace of mind for those unexpected accidents or injuries! With coverage for their curious mischief, you can enjoy all the snuggles, while we handle the surprises!
At Purely Pets, get cover for your puppy from as young as 8 weeks old. Our pet insurance ensures your puppy receives the medical care they need without comprising on the quality of treatment.
3 reasons to take out puppy insurance
Let's explore 3 reasons why you might want to consider purchasing pet insurance for your furry friend.
Your puppy's immune system isn't fully developed yet, which means it's much easier for them to fall ill. Your new mischievous puppy’s playfulness can also make it more likely to get into an accident and need emergency care for an injury. Over time, the vet bills can soon add up, leaving a large hole in your bank balance.
With pet insurance in place, you avoid the worry of costly veterinary fees and can make sure your puppy gets the medical care they really need.
The last thing you want to be thinking about when your puppy needs emergency care is where and when they will get the right help.
With a Purely Pets' lifetime policy, you no longer need to settle for less and can whisk your puppy off to the vet of your choice to get the help they need. Your puppy will be back to their playful self before you know it!
Although puppies are young and have their whole life ahead of them, it doesn't mean they're immune from chronic conditions. If your pet falls ill while uninsured, it makes it much harder to find cover.
It’s common for most insurance policies not to cover pre-existing conditions, meaning you'll need to fund costs yourself for their ongoing care and treatment.
The Purely Pets Promise
At Purely Pets, we understand the importance of pet health. Our insurance policies are designed to give pet owners peace of mind, ensuring that your pets receive the highest standard of care when they need it the most.
Why choose Purely Pets
Our Dog insurance cover levels
Your peace of mind and your dog's happiness is at the heart of everything we do. With our range of 15 levels of lifetime cover, you have the freedom to select the policy that best suits you and your pet. You know them best!
Our Defaqto 5 Star Rating applies to our Silver and Gold cover levels providing vet fees of between £6,000-£15,000.
Lifetime Bronze
- Lifetime cover
- Vets fees from £1,000-£5,000
- Flexible Excess Options
Lifetime Silver
- Lifetime cover
- Vets fees from £6,000-£10,000
- Flexible Excess Options
Lifetime Gold
- Lifetime cover
- Vets fees from £11,000-£15,000
- Flexible Excess Options
What is covered by puppy insurance?
Puppy insurance can help cover unexpected vet bills that arise from accidents, illnesses or injuries. When selecting a puppy insurance plan for your furry friend, it’s important to consider the following:Puppy insurance often covers the cost of vet-related services such as consultations, medications and emergency care which your puppy may require in the event of an accident or illness. If you would like to learn more, please review our policy conditions.
Dental cover typically covers the cost of any necessary treatment related to your pet's teeth, gums and mouth, including the cost of any required medication.
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.
With Purely Pets' Gold and Silver Lifetime cover products, you can claim up to £2,000 on dental treatment.
*Subject to evidence of annual dental check-ups, and any treatment recommended by the vet has been carried out at your own expense.
In the sad event that your puppy passes away due to accident, illness or injury you could be reimbursed up to the purchase price of your pet. For more details, please read our policy wording.
When selecting a puppy insurance policy, it is essential to review the details carefully to ensure that the plan provides coverage for the theft of the pet.
With Purely Pets' Gold Lifetime cover products, you can claim up to £2,000 for advertising costs and a reward for the loss due to theft or straying. However, lower limits are available on the Silver and Bronze Lifetime cover.
Boarding fees vary depending on the type of business, location and services provided. Generally, boarding fees include the cost of food, bedding and basic amenities.
Depending on the business, additional services, such as grooming may also be included in the total fee. It is important to research the different boarding services available to ensure that you are getting the best value for your money.
Here at Purely Pets, we offer boarding fee cover of up to £2,000 as part of our Gold Lifetime coverage. Boarding fees can only be claimed in certain situations, details of which can be found in the policy wording.
If your new, excitable puppy causes injury to someone else or their property, you might be left having to defend a claim. Third-party liability cover can help towards the legal costs.
What isn’t covered by puppy insurance?
There are many different options on the market, but you'll find a lot of insurers have a number of common exclusions. Examples include:A lot of insurers will not cover pre-existing conditions. A pre-existing condition is a medical condition or injury that a puppy has shown signs or symptoms of already, prior to your insurance policy starting, even if the condition has not yet received a diagnosis. It is important to understand the terms and conditions related to pre-existing medical conditions when selecting an insurance policy for your puppy.
Neutering is the process of removing a male puppy’s testes, while spaying is the process of removing a female puppy’s ovaries and uterus. Neutering and spaying can have many benefits for dogs.
It can help reduce aggressive behaviours, reduce the risk of certain diseases, and reduce the number of unwanted dogs in the community.
Vaccinations are a series of injections given to puppies to help protect them from various diseases, viruses, and infections. Vaccines help to boost a puppy’s immune system, allowing them to fight off infections and illnesses that can cause serious and even fatal health problems.
Vaccines are available for a variety of illnesses, including Canine distemper, hepatitis, parvovirus, and leptospirosis.
Excess is the amount that an insurance policy holder pays towards a claim. The excess can vary depending on the policy chosen and is usually deducted from any claim settlement.
For example, with puppy insurance, the policyholder may be required to pay an excess of £140* for each claim. This means that the policy holder will be liable for the first £140 of the claim.
*The excess amount may vary depending on your policy agreement.
What type of pet insurance policies can I get?
What you can buy from Purely Pets:Lifetime pet insurance is a type of insurance that offers continuous cover and lifelong protection for your pet, subject to the policy being renewed each year. This type of insurance covers the cost of medical treatments and procedures, such as consultations, surgery, and hospitalisation. Lifetime pet insurance typically includes coverage for illness or injuries that may occur throughout your pet's life, provided the condition has only developed within the period of insurance.
Accident only pet insurance is a type of pet insurance that covers veterinary treatment required for injuries caused by accidents. This type of pet insurance provides coverage for medical bills associated with an accident, including hospitalisation, surgery, lab tests, and medications.
This type of pet insurance provides coverage for a specific amount of time, usually 12 months. When the time limitation begins is dependent on the policy terms of your insurance provider. During this time, your pet is covered for certain types of illnesses and accidents, as well as any necessary treatments. Once the time limit or financial limit has been reached there will no longer be any further cover for that condition.
Maximum benefit pet insurance provides a financial amount per condition, with no time limit subject to the policy being renewed. Once this financial limit has been reached, then there will be no further cover for that condition. Maximum benefit pet insurance may cover accidents, illnesses, surgeries, medication, and more but please refer to your policy terms for full conditions for what’s included in your policy.
Customer reviews
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Find out more
You can find out more about our puppy Insurance product below and there’s more help available on our FAQs page.
There are many different places offering pet cover, but there’s only one Purely Pets. Here are 10 great reasons to choose us.
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Unlimited 24/7 vet video consultations on the Joii app, at no additional cost
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Insure from as young as 8 weeks old
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Easy online claims process
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98% claims paid*
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Interest-free payments
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Payments can be made direct to vet
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15 levels of lifetime cover
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Lifetime cover up to £15,000
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Flexible excess options
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Defaqto 5 Star Rating on our Silver and Gold cover levels providing vet fees of between £6,000-£15,000.
The cost of dog insurance in the UK can vary depending on a number of different factors. These include:
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What breed you have. Some breeds are more prone to certain medical conditions than others, meaning potentially higher premiums.
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Where you live. Just as the costs of home and car cover can vary due to location, so can the costs of dog cover.
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What type of cover you go for. Cover can vary from ‘accident-only’ policies to fully comprehensive policies. The financial benefit limit selected can also impact cost.
It’s a fact of life that some breeds will cost more to insure than others. For example, French bulldogs can be more expensive to insure owing to their potential for breathing problems, while Newfoundlands can also prove costly due to potential hip problems and arthritis.
We've revealed the cheapest dog breeds to insure elsewhere on our blog. That said, no matter what breed you set your heart on, there could still be health problems you’ll need to prepare for.
To get a quick online quote, simply answer a few short questions about your dog and we’ll do the rest. That way, you can compare prices and policy details with no hassle.
If cost is making you think twice about taking out pet insurance, here are some ways you could look to save on your premium:
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Spread the cost: Pay your premium monthly, with interest free payments. This could help spread the financial commitment.
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Make the most of 24/7 care: Instead of incurring costs by visiting the vets, speak to a professional vet, included in your insurance policy. Access unlimited 24/7 vet video calls for expert advice on your pet’s well-being, they’ll guide you on necessary steps and determine if a veterinary examination is needed. Enjoy support anytime with your Purely Pets Insurance policy.
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Stay on top of preventative care: Making sure that your pet is up to date with their vaccinations, flea treatments and has been spayed or neutered as recommended by a vet can all help keep your pet happy & healthy.
Unfortunately, a young pet will be a popular target for criminals. So, you’ll want a policy that provides compensation if your beloved puppy is lost or stolen. Purely Pets covers loss by theft or straying and advertising costs/reward up to £2,000 when you take out our Gold Lifetime cover.
As you can see, it’s vital your new dog is vaccinated to guard against a range of health conditions. However, in a similar way to spaying and neutering, these routine vaccinations are not usually covered by insurance.
It’s a good idea to keep their vaccinations up to date as insurers will ask when providing you with a quote. After all, insurers may not pay out for a condition which could have been prevented by a vaccination.
Puppies are so adorable and playful, but their undeveloped immune systems can make them susceptible to a range of health conditions. If your puppy develops any of these then you’ll be glad you had insurance.
Common health conditions to look out for include:
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Infectious diseases – Kennel cough, parvovirus, canine distemper, leptospirosis, and canine viral hepatitis – your young puppy is at risk from all of these. It’s vital they receive the correct vaccinations to protect them. If they are not up-to-date with their vaccinations, any conditions that could have been prevented by a vaccination will not be covered by insurance.
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Diarrhoea and stomach upsets – Puppies can be susceptible to gastrointestinal problems due to anxiety, illness or eating something that hasn’t agreed with their sensitive tummy.
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Congenital defects – These conditions can occur in any part of the body, including the eyes, cardiovascular, neurological, musculoskeletal and genitourinary systems.
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Urinary tract infections – Infections of the urinary tract are common and require quick diagnosis and treatment.
Remember, finding insurance to cover pre-existing conditions will be really difficult, so protect your pup when they're young and healthy.
As a Purely Pets customer, you'll have access to unlimited 24/7 vet video consultations at no additional cost so you can talk to a veterinary professional day or night.
Our blog is packed with dedicated puppy advice, too - perfect for new owners!
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Dog training 101 – the essential guide to teaching your pet new skills
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How often you should worm a puppy & 19 other important health problems
Check out our website for many more everyday tips in our regularly updated guides.
Here at Purely Pets, we specialise in comprehensive lifetime pet insurance policies to provide you and your dog with flexible cover options to suit you and your budget.
Our pet insurance cover is packed with benefits, no matter what level you choose:
Benefits of Bronze insurance
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Vets fees from £1,000-£5,000
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Flexible Excess Options
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Complementary treatment £500
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Special diet £100
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Third party liability (dogs only) £1M
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Death from illness £1,000 *
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Death from accident £1,000
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Boarding Fees £1,000
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Holiday cancellation £1,000
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Loss by theft/straying £1,000
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Advertising and reward £1,000
Benefits of Silver insurance
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Vets fees from £6,000-£10,000
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Flexible Excess Options
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Complementary treatment £750
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Special diet £100
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Third party liability (dogs only) £2M
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Death from illness £1,500*
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Death from accident £1,500
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Boarding Fees £1,500
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Holiday cancellation £1,500
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Loss by theft/straying £1,500
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Advertising and reward £1,500
Benefits of Gold insurance
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Vets fees from £11,000-£15,000
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Flexible Excess Options
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Complementary treatment £1,000
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Special diet £100
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Third party liability (dogs only) £2M
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Death from illness £2,000*
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Death from accident £2,000
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Boarding Fees £2,000
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Holiday cancellation £2,000
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Loss by theft/straying £2,000
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Advertising and reward £2,000
Choosing which level of policy is right for you and your puppy can be difficult if you haven’t taken any specialist advice. Our team is always on hand to guide you through the options worth considering.
*There is an age restriction on death from illness. Please check your policy documents for more information.
There’s no one-size-fits-all answer when it comes to deciding how much cover you need. That’s why speaking to our specialist team is so important.
With the cost of living on the rise, many pet owners are feeling the squeeze. But if you’re looking to save money, don’t be fooled into thinking that the cheapest dog insurance policy is going to be right for you – it’s important to check it provides the coverage you need.
At times like this, you really need to be looking for value. You may find that the cheaper the policy, the less protection it will provide and the more exclusions it will have.
Only lifetime policies will protect your beloved dog every year subject to annual renewal. Other options may only protect your pup for certain conditions for a set period of time or financial limit.
All insurance policies are subject to terms and conditions. Please review these carefully to ensure you fully understand them before committing to a policy.
There’s no legal requirement to have dog insurance for your puppy, but investing in a policy could be the best decision you ever make.
Here are 5 reasons to start puppy insurance as soon as you bring them home.
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Vet bills can be expensive: If they get ill or injured, then vet bills can soon mount up.
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Modern vet care can be complex: From surgery and chemotherapy to diagnostic tests and drug treatments, modern medical care can work wonders if you can get access to it.
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Regular payments help with budgeting: Paying set monthly premiums is a great way to avoid nasty surprises, and there is no interest charge for doing so.
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Get quick access to healthcare: With the right policy in place, you’ll never delay in making decisions about your dog’s health based on finances alone.
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Get protected before a medical condition develops: It’s much better to get insurance before your pup develops a medical condition. Pre-existing conditions are rarely covered.
Another important reason for covering your puppy while they’re still young is to protect other people from harm or damage. If they bite a person or another dog, damage property, or cause an accident, you could be liable for any damages.
Always check that a policy includes third party liability to take care of any potential legal claims made against you.
The best time is when they are fit and healthy. Most insurers will provide insurance from eight weeks old, and it’s advised to arrange a policy as soon as possible after that.
Don’t be tempted to wait until they get older before insuring them. If they get injured or a condition develops before you have cover, then you may find yourself in difficulty.
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