Pet insurance that comes with rewards* for responsible pet parents
Each insurance policy comes with a free subscription to the Fluffy app that has a 24/7 digital vet clinic, dog training support and more.
Take the right care of your pet using the app and get rewarded with discounts on pet food, treats and more.
You can find out more about the policy by reading the Insurance Product Information Document and Policy Document.
Strelka LTD, trading as Fluffy, Firm Reference No. 986188, is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority, Firm Reference No. 609155. You can find our privacy policy here.
We've got you covered
Veterinary fees
Up to £10k
Complementary Treatment
Cover for surgery, medicine and diagnostic
Up to £750
Dental Treatment (Accident)
Up to £750
Cover for dental that was caused as a direct result of an accident
Overseas Travel
12 Months
If you travel within the Pet Travel Scheme (PETS) your vet cover will be the same as in the UK for trips of up to 30 days each and you can have as many trips as you like
Treatments to prevent future health problems and help with recovery after surgery
Theft/Straying
Up to £1500
Cover for the purchase price of your pet if they get lost or stolen
Missing Pet Advertising & Reward
Up to £1500
If your pet is lost or stolen, we will reimburse you for advertising costs and for a suitable reward
Third-party liability
Up to £2M
If your pet injured another person or a pet we’ll cover the costs
Death from Illness/Accident
Up to £1500
Cover in case your pet dies from injury or illness
Multi-pet Discount
Up to 10%
Get up to 10% discount for each additional pet you insure with us
​Subject to the Terms and Conditions of the policy purchased. Please read the Insurance Product Information Document and Policy Document to be aware of cover limits and excess. Pre-existing conditions won’t be covered.
Get exclusive access to pawesome perks with the Fluffy app*
Free dog training
Get access to over 100 training courses from leading experts
Free 24/7 vet helpline
Free 24/7 pet trainer
Get support from our trainers and behaviourists whenever you need
Talk to a vet or a behaviourist for free anytime and anywhere
Up to 50% off on food, toys & treats
Access special deals on pet food, treats and more
Free personalised growth plans
Get a week-by-week growth plan personalised to your pup, created by world-leading experts
Access to exclusive community
Join a community of pet parents and get support from like-minded people
How Fluffy works
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Pick your insurance plan
Download the Fluffy app
Take the right care of your pet
Get rewards
Choose between several options that include vet bill coverage, third-party liability, theft and more
Get exclusive access to a 1-Year Premium app subscription which includes free training, unlimited vet support and more. Extend your app access for free when you renew your policy
Follow our trainers' and vets' recommendations and earn points
Exchange your points for prizes, such as treats, food and toys
Take better care of your pet and get rewarded
Up to 50% off the first two boxes with Butternut Box
Up to 35% off the first two boxes with Different Dog
Up to 30% off on pet shampoo at Furbabies Botanicals
Up to 20% off the first order at Forthglade
Up to 60% off the first box at Hello Fresh
Up to 20% off orders at Lily's Kitchen
Up to £80 off on selected wines at Naked Wines
Up to 30% off on selected products at YuMove
over 20 more rewards
FAQs
Do you cover pre-existing conditions?
Currently our policies don’t provide cover for pre-existing conditions. You can still get insurance with Fluffy for the conditions that your pet may develop during the period of insurance. We’re looking to start covering pre-existing conditions soon.
Is your cover limit per year or per condition?
The cover limit you select is per year, and not per condition or pet claim.
Can you pay directly to my vet?
Yes, when you make a claim, you can choose to get reimbursed directly or for us to pay your vet instead.
How hard is it to claim?
Claiming is easy with Fluffy. You need to answer a couple of questions about your pet’s condition and then we’ll reach out to your vet to complete their evaluation.
Can I get the price without requesting a quote?
Unfortunately, like with any other type of insurance, pet insurance price depends on a number of factors such as age, breed, location, gender and other data points. The quote takes less than 2 minutes to complete.
Can I use the Fluffy app without purchasing insurance?
Yes, you can. As of the beginning of 2023 we have over 30,000 pet parents using the Fluffy app with an average rating of 4.5/5. The subscription costs between £8-£12 per month, but when you purchase insurance with us, you get access to the app for free.
Can I insure more than one pet?
Yes! You can insure all your cars and dogs with Fluffy. For every additional pet you insure you also get a 10% discount (may be subject to minimum premium)
You're now part of the family
James Auton
Fantastic, I'm totally blown away by Fluffy!
Helen Bradfield
I wish there were care plans like this for humans
Rebecca Freeman
After looking at twenty other options, I finally found the perfect one