As with all types of insurance, there are a variety of levels of cover available, so you’re likely to find appropriate cover to match the individual needs of your dog. Cheaper policies tend to be less comprehensive, and often have restrictions on either the maximum duration or the cost of veterinary treatment for a particular condition. The restrictions do tend to be quite generous, so this is a perfectly good level of cover to get. It is particularly suitable for owners who are unlikely to be able to afford short term treatment for their dog after an accident or an injury.

Owners of dogs which are particularly susceptible to certain illnesses (especially long term conditions such as arthiritis and hip dysplasia) may want to get more comprehensive cover, such as a lifetime policy. Naturally, this cover is more expensive, but does provide cover throughout your dogs life all the while the premiums are being paid. More comprehensive levels of cover may also include kennel fees and travel insurance. .

Most dog insurance companies will provide some form of 3rd party liability cover, providing you will financial protection should your dog ever cause any damage to people or property.

The majority of dog insurers also provide compensation if your dog is stolen or lost, even providing money towards advertising for its safe return. In the event of your dog’s death, many insurance providers contribute to burial/cremation costs.

Before settling on a policy, do check on the amount of excess you will have to pay should you need to make a claim, as well find out if there are any restrictions on pre-existing medical conditions and maximum age limits.