Not sure about the level of cover you need?

You can choose from our four levels of cover, Essentials, Classic, Extra or Ultra, to get the protection that better suits your needs and those of your pet.

For full details on terms of cover, exclusions and limitations, please read our policy documents.
 

Schedule of benefits 

 Benefit Essentials Classic  Extra Ultra
Defaqto Star Ratings Defaqto 2019 logo 3 star rating pet insurance Defaqto 4 star rating pet insurance Defaqto 4 star rating pet insurance Defaqto 5 star rating pet insurance
Product type 12 months time limited Lifetime Lifetime Lifetime
Veterinary fees £1,500 £2,000
(Max £1,000 per incident per year) 
£4,000
(Max combined per year)
£10,000
(Max combined per year)
Fixed £ excess £90 per incident  £90 per incident per year £90 per incident per year  £80 per incident per year 
Percentage excess
(From age 6 for dogs and age 8 for cats)
20% 20% 20% 20%
MRI &CT Scans and Associated Costs up to: £1,000 £1,000 £1,250 £1,500
Cruciate ligament cover up to: £1,000 £1,000 £2,500 £4,000 
Death of your pet from illness up to:
(Dogs aged 9 and over & cats 11 and over excluded)
 £750 £1,000 £1,250 £1,750
Death of pet from injury up to: £750 £1,000 £1,250 £1,750
Third party legal liability up to: £1m (dog) £1m (dog) £1m (dog) £2m (dog)
Third party legal liability excess £250 £250 £250 £250
Advertising costs up to: £500 £500 £750 £1,000

Reward costs up to:

£500 £500 £750 £1,000
Theft and straying up to: £750 £1,000 £1,250 £1,500
Boarding fees up to: £750 £1,000 £1,250 £1,500
Holiday cancellation/curtailment up to: £750 £1,000 £1,500 £2,000
Overseas cover 30 days 30 days 30 days 90 days
Quarantine costs up to: £150 £150 £150 £150
Loss of PETS Passport up to: £250 £250 £250 £250
Emergency expenses cover abroad up to: £250 £500 £750 £1,000



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.

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