Cover Options

The table below details the cover we offer under our two cover levels – Pet insurance and Pet Plus.

Cover	Pet Insurance	Pet Plus	Excess
Veterinary fees	£3,500	£7,500	£75 to £100 per incident depending on breed and postcode
Time limit per condition†	no limit	no limit
Third party liability (dogs only)	£1 million	£2 million	£100 per incident
Death of your pet from accident or illness††	up to £500	up to £1,500
Theft or straying	£500	£1,000
Advertising and reward following theft or straying (excluding dog-napping)	£500	£1,500
Dog-napping (dogs only)††	up to £2,500	up to £2,500
Physical assault to you or a member of your household as a direct result of dog-napping (dogs only)	£1,000	£1,000
Kennel / cattery fees if you’re in hospital for 48 hours or more	£500	£1,000
Kennel / cattery fees - if your home becomes uninhabitable or evacuated	£250	£500
Holiday cancellation/curtailment	£1,000	£3,000
Overseas travel*	12 Months	12 Months
Quarantine costs per trip**	£1,000	£1,000
Loss of healthcare certificate per trip**	£250	£250
Repeat tick & tapeworm treatment**	£500	£500
Emergency expenses abroad per trip**	£500	£500
Loss of PETS passport per trip**	£250	£250
Accidental damage to third party property	£500	£1,000	£100 per incident
Flea cover	£100	£100
Pay vet direct

Pet insurance helplines
Helplines	Pet Insurance	Pet Plus
24 hour Pet Health & Wellbeing
24 hour Dog-napping Helpline
24 hour Bereavement counselling
24 hour Pet Legal
Pet Minders
Vet Search

Table of discounts
Discounts	Pet Insurance	Pet Plus
Online discount	5%	5%
Multiple pet discount (applies to all policies)	10%	10%
Microchipping discount	5%	5%

† Subject to the policy limit per condition, the policy being in force and up-to-date payment of premiums
†† We'll pay the price you paid for your pet
* Subject to full compliance with the PETS Travel Scheme
** When travelling overseas

Important point

Please see the Policy Booklet on pet insurance policy information for the complete terms and conditions.

The excess amounts shown against the cover are the minimum amounts which you personally will pay for in respect of each claim. If you have selected a voluntary veterinary fee excess, this will apply in addition to the Compulsory excess shown
The insurance does not cover veterinary fees for preventative and elective treatment, routine examinations, vaccinations, spaying, castration, pregnancy or giving birth.
Cats and dogs must be at least 8 weeks old to qualify for esure pet insurance.
Cover for illness starts 10 days after the inception date of the policy.
Third party liability cover only applies if you are not already covered by your household policy. It excludes injury to your family, household, employees or their property.
Insurance cover is only available in the United Kingdom (excluding Northern Ireland, the Isle of Man and the Channel Islands).
Your insurance cover cannot be transferred to another pet.