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Specialist insurance for dogs

  • Your Dog
  • Initial Quote
  • Medical History
  • Your Details
  • Purchase

Select the 2 breeds which your dog most closely resembles

Why Choose Us?

Option to include your dog's pre-existing medical conditions, subject to underwriting limits


Comprehensive lifetime cover with up to £8,000 vet fees


Choose your own excess between £100 and £500


Monthly payment by direct debit, with no additional fee


Cover includes dental emergencies, provided your dog has had annual check-ups and any recommendations acted upon


£1m Liability protection as standard


Thank you, please find your initial quotes below. Choose GOLD cover if you want 24hr digital vet support. This isn’t just an out-of-hours helpline, click here to learn more.


To complete your quote simply select SILVER or GOLD then we'll ask you about your dog's medical history and clarify how much extra it will be to include any medical conditions.


* All premiums displayed include 12% Insurance Premium Tax.

Silver Cover

per month

(currently excludes pre-existing conditions)

SILVER COVER

Vet fees £2,000
select from £1,000 to £8,000
Complementary treatment up to £1,000
this falls within the vet fee limit above
Public liability up to £1,000,000
£250 excess applies
European (EU) travel up to 3 months
provided that your pet is registered with the Government’s P.E.T.S. travel scheme
Accidental death benefit £500
for dogs aged 5 and under
Theft or straying up to £250
to help recover your dog
Emergency dental treatment
included within the vet fee limit provided your dog has had an annual dental check-up and any recommendations have been followed
Excess £100
select from £100 to £500

Gold Cover

per month

(currently excludes pre-existing conditions)

GOLD COVER

All the benefits of Silver Cover
PLUS
24 hour support
from fully trained veterinary nurses
Unlimited communication via web-chat,
phone or video call

Medical conditions

If your dog has any medical conditions we can look at these in the next step.


Vet fee limit and policy excess

K9's flexible approach to vet fee limits and policy excesses allows you to select the cover that's right for you. We have defaulted these limits to £2,000 and £100 respectively and invite you to find the solution which suits your budget and your requirements. If you need to complete our medical screening section you'll be able to adjust these cover levels after.

* Your default vet fee limit is £4,000. Click here to learn about likely claims costs.

Vet fees


* The amount you will pay in the event of a claim is currently defaulted to £100. . Click here for an illustration of how this works.

Excess


Silver Cover

per month

Gold Cover

per month

Thank you

Next, please indicate which one of the following four statements applies to your dog

My dog has needed to see a vet for one of the following reasons within the last two years:
  •   A medical condition, however minor
  •   An Injury
  •   A prescription

My dog has not seen a vet for anything other than routine check-ups in the last two years however, has experienced one of the following since birth:
  •   A broken or fractured bone
  •   A life-limiting illness or injury

My dog has not seen a vet for anything other than routine check-ups in the last two years and does not take any prescribed medication.
  •   Please note, a healthy puppy would fall into this category. We insure from 8 weeks old.

No medical history
  •   I do not know the medical history of my dog because it was acquired from a shelter or elsewhere.

Screening

The way the screening process works is that you declare each condition, injury or operation which has taken place in the last 2 years, or since birth in the case of a fractured bone or life limiting illness or injury. If in doubt it is better to declare.

Search for a condition that applies to your dog
About You
About Your Dog
Policy stipulations: Please read and accept

As owner of this dog, and to the best of my knowledge, I hereby confirm:


  •  My dog has not been the subject of any legel complaints over the last 5 years
  •  My dog does not live on premises where alcohol is sold
  •  My dog hasn't been used for breeding, or been connected in any way with a trade or business
  •  My dog is not used for guarding, track-racing or coursing
  •  My dog is not crossed with any of the following: Dogo Argentino, Dogo Canario, Fila Brasiliero, Pit Bull Terrier, or Tosa
  •  My dog has been chipped (electronically tagged)
  •  My dog is up to date with all the recommended vaccinations
Please select the policy start date

You can select a policy start date up to 45 days in advance and cancel any time within 14 days of inception. Cover for illness starts on the first day of your policy, provided you have declared any pre-existing conditions and these have been accepted by us and included by you. You will not be covered for accidents within the first 5 days of your policy.

Terms and conditions

I confirm that the responses I have provided are accurate and I understand that providing inaccurate responses may affect the premium I pay and any claims settlement. If incorrect responses have been provided the insurer may reduce or not make the claim payment and/or cancel the policy.





Thank you

Please select your preferred method below:
  • Your first monthly payment of £ will be taken by direct debit within 1 month of your cover start date.


    Eleven further payments of £ will be collected each month on the same date.


    TOTAL PAYABLE £ (0% APR)

Direct Debit Mandate information

All payments are collected by direct debit to ensure your policy doesn't inadvertently lapse.

At renewal you will be able to select an alternative payment plan or cancel the policy if it is no longer required. We shall contact you at least 21 days in advance with the renewal premium.

Silver Cover

per month
Breakdown: Net premium , insurance
premium tax , administration fee
untick to exclude pre-existing conditions
Vet fees £2,000
Complementary treatment up to £1,000
this falls within the vet fee limit above
Public liability up to £1,000,000
£250 excess applies
European (EU) travel up to 3 months
provided that your pet is registered with the Government’s P.E.T.S. travel scheme
Accidental death benefit £500
for dogs aged 5 and under
Theft or straying up to £250
to help recover your dog
Emergency dental treatment
included within the vet fee limit provided your dog has had an annual dental check-up and any recommendations have been followed
Excess £100

Gold Cover

per month
Breakdown: Net premium , insurance
premium tax , administration fee
untick to exclude pre-existing conditions
Vet fees £2,000
Complementary treatment up to £1,000
this falls within the vet fee limit above
Public liability up to £1,000,000
£250 excess applies
European (EU) travel up to 3 months
provided that your pet is registered with the Government’s P.E.T.S. travel scheme
Accidental death benefit £500
for dogs aged 5 and under
Theft or straying up to £250
to help recover your dog
Emergency dental treatment
included within the vet fee limit provided your dog has had an annual dental check-up and any recommendations have been followed
Excess £100
24 hour support
from fully trained veterinary nurses

Please confirm the following:

Is the bank account you intend making payments from solely in your name?

Are you the only signatory required to set up this direct debit?

Service User Number: 
Preferred collection date
NOTE: Where this day falls on a weekend payment will be collected on the next working day.

Please only click CONFIRM AND PURCHASE once.

Provided your transaction is successful your policy documents will be emailed within one hour. On behalf of the team thank you for choosing K9 COVER.

The Direct Debit Guarantee

  • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
  • If there are any changes to the amount, date or frequency of your Direct Debit BPS re: K9 COVER will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request BPS re: K9 COVER to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
  • If an error is made in the payment of your Direct Debit, by BPS re: K9 COVER or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when BPS re: K9 COVER asks you to.
  • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

Important information

Our policies are annual contracts which run for twelve months at a time. Your contract will automatically renew each year unless you choose to cancel it.

We will contact you before the renewal date so that you can make an informed decision about your policy and contact us if you do not wish to renew.

Premiums include Insurance Premium Tax (IPT) at the prevailing rate, which is currently 12%. They also include an administration fee charged by K9 COVER to arrange and maintain your policy.

Our Insurance Product Information Document (IPID) and Policy Wording can be viewed by clicking the relevant link and a copy of these will be attached to your email following purchase.

Premiums are currently payable at 0% APR. We reserve the right to review this on the anniversary of your policy and will inform you in the renewal documentation of any changes, together with any other variations in the level of cover.

If upon reading your policy document you are not satisfied with the cover provided you may cancel this policy within 14 days for a full refund, provided no claim has been made.

Your refund will be paid to the same account unless agreed by us in writing.

You have a duty to notify us of any change of address or contact details in order for us to provide continued service.


Terminating your contract

Unless otherwise agreed, your contract may be cancelled by us for the following reasons: -

  • If you have selected 'single payment' as the preferred payment option and no payment is received by us within 2 months
  • If you have selected payments over 3, 6 or 12 months and we fail to receive 2 consecutive monthly payments
  • If the details provided by you during our quotation process differ substantially from any veterinary information gathered by us during the period of your cover

Special circumstances

If you are aware that payment(s) may not be collected due to insufficient funds please contact us as soon as possible in order that we can assist. Ultimately we only want the best for you and your dog.

Please wait whilst we generate your documents...

Please wait whilst we calculate your medical premiums...