Pet Insurance

Depending on whether you have a dog or cat, we have slightly different age limits which will apply when you’re taking out Post Office Pet Insurance.

For dogs you can start insurance from 8 weeks up to their 8th birthday. But, for certain breeds of dogs (see below), insurance can start from 8 weeks up to their 5th birthday. For cats you can start insurance from 8 weeks up to their 10th birthday.

Dog breeds: Beauceron, Bernese Mountain Dog, Bulldog, Bullmastiff, Deerhound, Dogue de Bordeaux, Estrela Mountain Dog, Giant Schnauzer, Great Dane, Irish Wolfhound, Leonberger, Mastiff, Neapolitan Mastiff, Newfoundland, Old English Bulldog, Old English Sheepdog, Poodle (Standard), Pyrenean Mountain Dog, Rhodesian Ridgeback, Rottweiler, Shar Pei, St Bernard, Standard Poodle, Tibetan Mastiff, Utonagan.

Once insured you may continue your pet's cover for life provided you continue to pay your premiums.

Yes, an excess is payable, per condition. For Lifetime policies this will be payable per condition, per year. This forms part of your quote and, as with your premium, is also based on your pet's species, breed, age and where they live.

Your vet fee excess is fixed until each annual review but can change if your circumstances change. For example, your excess could go up or down when you move address. We’ll let you know what your excess change is before it’s applied when you contact us to change your personal details.

Also, please note when your pet reaches a certain age (see below) it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

- Cats: 10 years

- Dogs: 5 to 8 years, depending on the breed

Accidental injury is covered after the first 3 days of the policy. Illness, including poisoning is covered after the first 14 days of the policy.