Dog insurance that supports & rewards pet parents
Each dog insurance policy has a free subscription to the 24/7 vet helpline, dog training support and up to £10k in vet bills covered.
​
Manage your pet's well-being with the Fluffy app and earn rewards such as discounts on pet foods, treats, and additional pet care products.
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.
What is covered with Fluffy's dog insurance
Veterinary fees
Up to £10k
Cover for surgery, medicine and diagnostic
Complementary Treatment
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 EU your vet cover will be the same as in the UK
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
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
If your pet is lost or stolen, we will reimburse you for advertising costs and for a suitable reward
1-Minute Quote
​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.
More than just dog insurance
Free dog training
Enjoy over 100 expert-led dog and puppy training courses available at no cost.
Free 24/7 vet helpline
Benefit from our 24/7 vet helpline for free consultations anytime.
Free 24/7 pet trainer
Our trainers and behaviorists are on hand 24/7 for guidance and support.
Up to 50% off on food, toys & treats
Receive up to 50% off on a wide range of dog food, toys, and treats.
Free personalised growth plans
Receive personalized, expert-crafted growth plans for your dog on a weekly basis.
Access to exclusive community
Connect with a network of dog owners for shared experiences and advice.
1-Minute Quote
How to get a dog insurance quote
1
2
3
4
Provide details about your dog
Select extra services
Follow expert guidance
Redeem your rewards
Share information about your dog to help us formulate a personalized insurance quote.
Let us know if you require additional assistance such as pet training support or access to a 24/7 veterinary helpline.
Use the Fluffy app to adhere to recommendations from our trainers and veterinarians, and earn points in the process.
Use your accumulated points to claim rewards like dog treats, food, and toys, enhancing your experience with our services.
1-Minute Quote
Dog insurance that rewards amazing parents with amazing prizes
Up to 50% off the first two boxes with Butternut Box
Up to 35% off the first two boxes with Different Dog
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
1-Minute Quote
Is dog insurance worth it?
For many pet owners, dog insurance is a worthwhile investment. It provides financial protection and peace of mind in caring for your dog. Here are key reasons why dog insurance is often considered valuable:
​
-
Financial Security: Vet bills for accidents or illnesses can be expensive. Insurance helps manage these costs, protecting you from unexpected high expenses.
-
Access to Better Care: With financial support, you can afford necessary treatments, ensuring your dog receives the best possible care.
-
Budget Management: Regular insurance payments allow you to budget for your dog’s health expenses more predictably.
-
Peace of Mind: Knowing you’re prepared for medical emergencies gives peace of mind, allowing you to focus on enjoying time with your dog rather than worrying about potential costs.
-
Comprehensive Coverage: Many policies offer broad coverage, from routine wellness to emergency procedures.
What are the different types of dog insurance?
1. Accident-Only Coverage
Covers treatments for injuries resulting from accidents.
Most basic and typically the most affordable type of coverage. Read more about Accident-Only insurance.
The most comprehensive coverage. Covers accidents and illnesses up to a certain amount, which resets annually upon policy renewal. Read more about Lifetime insurance.
3. Time-Limited Coverage
Covers accidents and illnesses, but only for a specific time period per condition (usually 12 months).
After the time limit, the condition is excluded from coverage.
4. Maximum Benefit Coverage
Offers a fixed sum of money for each illness or injury.
Once the limit is reached, that condition is no longer covered. Read more about Maximum Benefit insurance.
What does dog insurance cover?
What is covered
Accidents and Injuries: Such as those from car accidents, falls, or cuts.
Illnesses: Including infections, digestive problems, and chronic diseases.
Surgery and Hospitalization: Costs associated with surgical procedures and overnight stays at veterinary clinics.
Diagnostic Tests: Like blood work, X-rays, and MRIs.
Prescription Medications: Medicines prescribed by a vet.
What is not covered
Routine and Preventive Care: Such as vaccinations, flea and tick treatments, and annual check-ups, unless you have a wellness add-on.
Breeding Costs: Anything related to breeding, pregnancy, or whelping.
Cosmetic Procedures: Like tail docking or ear cropping, unless medically necessary.
Behavioral Issues: Training or therapy for behavioral problems, unless specified in the policy.
Diet and Supplements: Unless they are prescribed as part of a treatment for a covered condition.
How much is dog insurance?
The cost of dog insurance can vary widely based on several factors. Here's an overview of what affects the price and what you might expect to pay:
​
-
Type of Coverage: Basic plans covering only accidents are typically cheaper, whereas comprehensive plans covering accidents, illnesses, and sometimes wellness and routine care are more expensive.
-
Breed of Dog: Some breeds are more expensive to insure due to higher risks of genetic health issues. For example, large breeds often have a higher insurance cost.
-
Age of the Dog: Older dogs are usually more expensive to insure because they are more prone to health issues.
-
Location: Veterinary costs can vary depending on where you live, which can affect insurance premiums.
-
Deductibles and Policy Limits: Higher deductibles usually lower your monthly premiums but mean higher out-of-pocket costs when you make a claim. Lower policy limits can also reduce the cost.
​
Read more about the costs of pet insurance.
How to find the best dog insurance
1. Assess Your Dog's Needs
Consider your dog's age, breed, health status, and any specific risks or requirements. This will help you determine what coverage you need.
2. Research and Compare Policies
Look at different insurance providers and compare their policies. Focus on coverage options, exclusions, deductibles, limits, and premiums.
3. Read Reviews and Ratings
Check customer reviews and ratings to gauge the reputation and reliability of insurance providers.
4. Understand the Coverage
Pay close attention to what is covered, including accidents, illnesses, hereditary conditions, and routine care. Also, note any exclusions, particularly for pre-existing conditions.
5. Check for Extras
Some policies offer additional benefits like dental care, behavioral therapy, or third-party liability coverage. Decide if these are important for you.
Does dog insurance cover pre-existing conditions?
Typically, dog insurance does not cover pre-existing conditions. Here's a closer look at how these conditions are generally handled in pet insurance policies:
​
-
Definition of Pre-existing Conditions: Any health issue that your dog has been diagnosed with or shown symptoms of before the start of the insurance policy is usually considered a pre-existing condition.
-
Exclusion from Coverage: Most pet insurance policies exclude pre-existing conditions from coverage. This means that any medical costs related to these conditions will not be covered.
-
Types of Pre-existing Conditions: These can be either chronic (ongoing) or acute (temporary). Chronic conditions are almost always excluded, whereas some policies might cover acute conditions if the pet has been symptom-free for a certain period.
​
However, this doesn't mean that pets with pre-existing conditions can't be insured. They can still be covered for new and unrelated issues. It's crucial to read the terms and conditions of any policy carefully and discuss with the insurance provider to understand the extent of the coverage offered.
​
Read more about pre-existing conditions.
Does my dog's breed affect the cost of dog insurance?
Yes, your dog's breed significantly affects the cost of pet insurance. Different breeds have different health risks and life expectancies, which insurers take into account. Here's how breed impacts insurance costs:
​
-
Health Risks: Some breeds are prone to specific hereditary conditions or diseases, increasing the likelihood of claims. For example, large breeds like Great Danes may have a higher risk of hip dysplasia.
-
Lifespan: Breeds with shorter lifespans can incur higher medical costs in their later years. Conversely, breeds with longer lifespans might accumulate more minor health costs over time.
-
Size: Generally, larger breeds are more expensive to insure due to their propensity for certain health issues and the increased cost of medication and treatment based on size.
​
Read more about high-risk dog breeds.
What age should I insure my puppy?
The optimal age to insure your puppy is typically as soon as they are eligible, usually around 8 weeks of age. Here's why early insurance is beneficial:
​
-
Early Coverage: Insuring your puppy at a young age ensures coverage for any health issues that may arise as they grow older. Most policies won't cover pre-existing conditions, so early insurance helps avoid such exclusions.
-
Lower Premiums: Insurance premiums are generally lower for younger and healthier pets. Locking in a policy early can often result in more favorable rates.
-
Comprehensive Protection: Early insurance can cover a range of scenarios, from accidents and illnesses to some preventive care like vaccinations and spaying/neutering.
What are some common health problems in dogs?
1. Ear Infections
Often caused by bacteria or yeast. Symptoms include head shaking, odor, and ear discharge.
2. Worms
Including heartworms, roundworms, tapeworms, and hookworms. Symptoms vary but can include weight loss, dry coat and vomiting.
3. Fleas and Ticks
Can lead to skin irritation, allergic reactions, and, in the case of ticks, Lyme disease.
4. Dental Disease
Including tartar build-up, gingivitis, and periodontal disease. Poor dental health can lead to more serious systemic issues.
5. Obesity
A common issue that can lead to other health problems like diabetes and joint issues.
6. Arthritis
Common in older dogs, leading to pain and decreased mobility.
7. Allergies
Can be caused by a variety of factors, including environmental allergens and food. Symptoms include itching, red skin, and ear infections.
8. Diarrhea and Vomiting
Can be caused by infections, parasites, poisoning, or gastrointestinal disorders.
9. Urinary Tract Infections (UTIs)
More common in female dogs, indicated by frequent urination or difficulty urinating.
Latest articles about dog insurance
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