5 Star rated by Defaqto
Our Lifetime £7k Dog Insurance has been rated 5 Stars by the experts at Defaqto.
Our Lifetime £7k Dog Insurance has been rated 5 Stars by the experts at Defaqto.
Our Lifetime £7k Dog Insurance has been awarded 5 Stars by Moneyfacts. They have over 35 years of impartial expertise in assessing the features and benefits of pet insurance policies.
We pay 99% of claims^
Multi-pet discount for each pet you insure^^
Vet fees cover up to £7,000 per policy year
Flexible cover options: Lifetime, Max Benefit and Time Limited
Unlimited 24/7 access to our Petcall line
Manage your policy online via ‘My Account: Pet’
Local advertising and reward
Third party liability
Maximum limits of cover for Post Office Dog Insurance
Cover |
Levels of cover Yearly veterinary fee limit up to £7,000 Complementary treatment up to £1,500 Physiotherapy up to £1,500 Third party liability £2,000,000 Death from accident* up to £2,000 Death from illness* up to £2,000 Cremation and burial costs up to £200 Finding your pet** up to £2,000 Theft or straying* up to £2,000 Boarding fees due to customer hospitalisation*** up to £2,000 Holiday cancellation**** up to £3,000 Overseas travel 90 days Quarantine costs up to £1,000 Loss of pet travel documents £250 Emergency expenses abroad up to £1,000 |
---|---|
Yearly veterinary fee limit |
Yearly veterinary fee limit up to £7,000 |
Complementary treatment |
Complementary treatment up to £1,500 |
Physiotherapy |
Physiotherapy up to £1,500 |
Third party liability |
Third party liability £2,000,000 |
Death from accident* |
Death from accident* up to £2,000 |
Death from illness* |
Death from illness* up to £2,000 |
Cremation and burial costs |
Cremation and burial costs up to £200 |
Finding your pet** |
Finding your pet** up to £2,000 |
Theft or straying* |
Theft or straying* up to £2,000 |
Boarding fees due to customer hospitalisation*** |
Boarding fees due to customer hospitalisation*** up to £2,000 |
Holiday cancellation**** |
Holiday cancellation**** up to £3,000 |
Overseas travel |
Overseas travel 90 days |
Quarantine costs |
Quarantine costs up to £1,000 |
Loss of pet travel documents |
Loss of pet travel documents £250 |
Emergency expenses abroad |
Emergency expenses abroad up to £1,000 |
Cover |
Levels of cover Yearly veterinary fee limit £2,000 Complementary treatment £500 Physiotherapy £500 Third party liability £2,000,000 Death from accident* £500 Death from illness* £500 Cremation and burial costs £500 Finding your pet** £500 Theft or straying* £500 Boarding fees due to customer hospitalisation*** £500 Holiday cancellation**** £500 Overseas travel 90 days Quarantine costs £500 Loss of pet travel documents £250 Emergency expenses abroad £500 |
---|---|
Yearly veterinary fee limit |
Yearly veterinary fee limit £2,000 |
Complementary treatment |
Complementary treatment £500 |
Physiotherapy |
Physiotherapy £500 |
Third party liability |
Third party liability £2,000,000 |
Death from accident* |
Death from accident* £500 |
Death from illness* |
Death from illness* £500 |
Cremation and burial costs |
Cremation and burial costs £500 |
Finding your pet** |
Finding your pet** £500 |
Theft or straying* |
Theft or straying* £500 |
Boarding fees due to customer hospitalisation*** |
Boarding fees due to customer hospitalisation*** £500 |
Holiday cancellation**** |
Holiday cancellation**** £500 |
Overseas travel |
Overseas travel 90 days |
Quarantine costs |
Quarantine costs £500 |
Loss of pet travel documents |
Loss of pet travel documents £250 |
Emergency expenses abroad |
Emergency expenses abroad £500 |
Cover |
Levels of cover Yearly veterinary fee limit £1,500 Complementary treatment £500 Physiotherapy £500 Third party liability £2,000,000 Death from accident* £500 Death from illness* £500 Cremation and burial costs £500 Finding your pet** £500 Theft or straying* £500 Boarding fees due to customer hospitalisation*** £500 Holiday cancellation**** £500 Overseas travel 90 days Quarantine costs £150 Loss of pet travel documents £250 Emergency expenses abroad £150 |
---|---|
Yearly veterinary fee limit |
Yearly veterinary fee limit £1,500 |
Complementary treatment |
Complementary treatment £500 |
Physiotherapy |
Physiotherapy £500 |
Third party liability |
Third party liability £2,000,000 |
Death from accident* |
Death from accident* £500 |
Death from illness* |
Death from illness* £500 |
Cremation and burial costs |
Cremation and burial costs £500 |
Finding your pet** |
Finding your pet** £500 |
Theft or straying* |
Theft or straying* £500 |
Boarding fees due to customer hospitalisation*** |
Boarding fees due to customer hospitalisation*** £500 |
Holiday cancellation**** |
Holiday cancellation**** £500 |
Overseas travel |
Overseas travel 90 days |
Quarantine costs |
Quarantine costs £150 |
Loss of pet travel documents |
Loss of pet travel documents £250 |
Emergency expenses abroad |
Emergency expenses abroad £150 |
*Market value if a receipt cannot be provided at the time of loss. Dogs must be microchipped for Theft or Straying Cover.
** Cancellation within 7 days of the holiday commencing.
*** Your dog/s must be microchipped.
Terms, conditions and exclusions apply. Please see the policy documents for further details.
Let’s find the right dog cover for you. Get a quote for Post Office Dog Insurance or retrieve a quote you’ve started
You can start Post Office Dog Insurance from 8 weeks up to their 8th birthday. However, for certain breeds of dogs (see below), insurance can start from 8 weeks up to their 5th 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 dog’s cover for life, provided you continue to pay your premiums.
Contact the rescue centre, as most reputable centres will vaccinate their dogs and should be able to tell you for certain. If they haven’t vaccinated your dog or don’t know its vaccination status, we recommend taking it to the vet. They’ll be able to tell you what course of action is recommended.
This is the most comprehensive form of Dog Insurance and offers vet fees cover up to a maximum amount, which is reinstated each year. If your dog develops a long-term chronic illness such as diabetes or an ongoing skin condition, provided it didn't pre-date the policy, it'll be covered for the rest of your dog's life.
Dog insurance policies vary. A Post Office Dog Insurance policy will typically cover:
You’ll find more information on the levels of cover for each of the above and exclusions in the policy document.
Yes, and it will depend on several factors, like your dog's age, breed and the condition being treated. If you have a Lifetime policy, your excess will be fixed for each yearly period and reviewed annually. Your fixed excess could change if your circumstances change during a fixed period (e.g., moving to a new area).
Up to the time your dog is 5 years old or 8 years old, depending on its breed, your excess will be a defined amount that we'll tell you following each annual review. After this time, it will change to a newly defined amount or a percentage of your contribution – whichever is greater.
In every instance, we'll write to you to let you know a year in advance of the change.
The dog breeds for which your excess calculations change at five years old are 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 and Utonagan.
When you make a claim, it goes through 5 steps before it's completed. Our summary below outlines our online vet fees claims process:
If you submit a paper claim form, the process is different and can take longer. Once you've downloaded and filled in your part, you'll need to pass it to your vet to complete. After completing their section, they'll post it to us for review.
If you submit your vet fees claim form online, you can track it with the My Account Pet claims tracker. For paper claim forms, you can only see their progress in the claims tracker once we've received it and uploaded the information to our system. If you're signed up for SMS notifications, we'll send you text messages with claim updates.
For customers who prefer paper-based communication, we'll keep you updated via letter.
No, we're unable to cover pre-existing conditions that are known before you take out your policy.
When you get a quote, we’ll ask if your dog has seen a vet for any reason other than their annual health check, routine vaccinations or other preventative care. We’ll request a few details about their condition from you and your vet and explain what we’ll cover and any exclusions that might apply on the policy.
*Call charges
0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.
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Post Office® Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance plc.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 110866. Pinnacle Insurance plc is registered in England and Wales. Registered number 1007798. Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX.
The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
^ 99% of claims paid in 5 working days. Based on Post Office Pet Insurance claims data from July 2022 to June 2023.
^^Multi-pet discount is a minimum of £24 when insuring more than one pet, as this is worked out at £1 per pet per month for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.