Pet insurance

Pet insurance

Defaqto 5 Star rated pet insurance* - we've got your cat or dog covered

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Why choose our pet insurance?

We're here to make sure your furry friends are protected. Here are just a few of the reasons to choose Ageas Pet Insurance for your cat or dog.

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Monthly payments

Pay monthly to protect your pet, interest-free and hassle-free.

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24/7 Vet helpline

Our medical pet specialists will be on hand 24/7

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UK based claims service

Our claims team is here to help protect your pet


From 1st January 2021, your pet continues to be covered abroad. However, if you are planning to travel with your pet to Europe, please ensure you have contacted your vet well in advance of your trip to confirm if additional vet checks and documentation are required before you leave. For the latest advice on travelling with your pet after Brexit, visit the Government's website.

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Our types of cover

We offer 2 types of cover to help suit your needs and those of your pet. 

  • Lifetime - Provides cover for all injuries or conditions** that occur within the policy year. Your cover resets at renewal, provided you remain insured with us.^
  • Time limited - Covers treatment for injuries or conditions for 12 months, from the day your pet's condition was first noticed by you or your vet.^^

Click the buttons below to find out more about our cover options. 

Pet insurance 5 star Defaqto rating

Don't just take our word for it...

Our Extra and Ultra cover levels have been rated 5 Star by industry experts Defaqto.

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Levels of cover

Simply choose from our four levels of cover to get the protection you need for your cat or dog. We offer:

  • Essentials - Time limited
  • Classic - Lifetime
  • Extra - Lifetime
  • Ultra - Lifetime


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24/7 Vet helpline

Our Vet helpline offers a 24/7 telephone service and an online chat service which gives you a chance to chat through any health concerns you may have about your dog or cat.

View our policy documents

Take a look at our policy booklet below. You can also click here to look at the product information document that relates to the level of cover you are interested in.

Frequently Asked Questions

In order for us to be able to provide cover, your pet has to be at least 8 weeks old at the start of your policy.There is no upper age limit, so we don't stop providing cover when your pet gets older, as long as you've been continuously covered by us.

Unfortunately, we are unable to provide cover for pre-existing conditions through our pet insurance policies. Please see our policy documents for further information.

Yes, you can still buy a pet insurance policy if your pet is not vaccinated. However, we will not cover unvaccinated pets for illnesses that could have been prevented through vaccination.

For accidents, your cover starts 48 hours after your policy start date. However, you won't be able to make a claim for illness within the first 14 days of your cover.

Your documents will be sent to you by email or by post, if you prefer. When your policy renews, your renewal letter, along with your schedule of insurance and policy wording, will be either emailed or posted to you (depending on your preference) 14 days before your renewal date.

If you need to make a claim on your pet insurance policy you can call us on 0345 165 0928 (Mon to Fri 8:00am - 8:00pm and Saturday 9:00am - 2:00pm). Alternatively, you can download our claim form, print it, fill it out with the help of your vet and email it to A member of our claims team will get in touch with you as soon as possible.

You can select this when you make your claim. If your policy is being paid by Direct Debit from your account, then you have the option of being paid by BACS (Bankers Automated Clearing Services) direct into your bank account. Payment can also be made by BACS to your vet, if they wish; their payment details just need to be added to the corresponding section on the claims form. Please note that an excess is deductible for all claims, as stated in your policy documents.

*We offer four levels of cover, Essentials, Classic, Extra and Ultra. Our Extra and Ultra levels with Lifetime cover have been rated 5 Star by industry experts Defaqto.

**Excluding pre-existing medical conditions.

^There's no limit to how long you can claim for each illness or injury, provided you keep your policy renewed, the premiums paid up to date and we invite renewal. If your pet’s total veterinary treatment in the policy year exceeds the limit applicable for your level of cover, there will be no further cover until the renewal of the policy when the cover resets.

^^The policy must remain in force (including at annual renewal if relevant) for the cover to continue. Once the financial limit or the 12 months has passed (whichever is sooner) any further treatment required for the condition or injury will not be covered by this policy.