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Pet insurance that supports & rewards pet parents

Each pet insurance policy has a free subscription to the 24/7 vet helpline, dog training support and up to £10k in vet bills covered.

Take the right care of your pet using the Fluffy app and get rewarded with discounts on pet food, treats and more.

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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.

Pet Insurance & Cat Insurance 


Dog Insurance

Protecting your dog's health, covering everything from injuries to treatments.


Cat Insuracne

Coverage for your cat's health, medication, surgeries and more.


Designed with your pet in mind


Veterinary fees

Up to £10k

Cover for surgery, medicine and diagnostic


Complementary Treatment

Up to £750

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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



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

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​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 pet insurance. We're here to help you every step of the way.


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 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

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How to get pet insurance with Fluffy








Tell us about
your pet

Choose additional services

Take the right care of your pet

Get rewards

Answer a few questions about your pet to help us create a personalised quote.

Tell us if you need help with training your pet or if you want to have access to the 24/7 vet helpline.

Follow our trainers' and vets' recommendations in the Fluffy app and earn points

Exchange your points for prizes, such as treats, food and toys

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Pet insurance that rewards amazing parents with amazing prizes

 butternut box

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

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Why do you need pet insurance?

Every pet owner understands that their furry friend is more than just a pet; they're part of the family. That's why securing pet insurance is essential. It's not just about handling unexpected veterinary costs; it's about ensuring the best care for your pet without the worry of financial strain. Here’s why pet insurance is a vital part of caring for your pet:

  • Financial Security: Manage veterinary expenses for accidents, illnesses, and routine care without breaking the bank.

  • Peace of Mind: Knowing you're prepared for any health issues your pet may face, from minor injuries to major treatments.

  • Comprehensive Coverage: Tailored plans to fit your pet's unique needs, covering everything from preventive care to emergency procedures.

  • Uncompromised Care: Ensure your pet receives the necessary treatment without the stress of cost considerations.

  • Long-Term Health: Investing in pet insurance is investing in your pet's long-term health and happiness, ensuring they get the care they deserve at all times.

Read more about the benefits of pet insurance.

Cute Cat

What are the different types of pet insurance?

1. Accident-Only Coverage

Provides a safety net for unexpected injuries and emergencies resulting from accidents. This basic coverage is a cost-effective choice for immediate, unforeseen circumstances. Read more about Accident-Only insurance.

The most comprehensive option, covering ongoing conditions throughout your pet's life. Ideal for long-term health needs, as the policy renews annually with a set amount of cover each year. Read more about Lifetime

3. Time-Limited Coverage

Offers protection for injuries and illnesses for a specific period, typically 12 months, with a cap on the total amount paid out. Suitable for short-term illnesses and injuries.

4. Maximum Benefit Coverage

Covers illnesses and injuries up to a specified financial limit for each condition. Once the limit is reached, that condition is no longer covered, but other conditions remain insured. Read more about Maximum Benefit insurance.

What is and isn't covered

What is covered


Veterinary Treatments: Includes recommended treatments for injuries and illnesses


Behavioral Treatments: Coverage for treatments advised by a vet for behavioral issues.


Complementary Therapies: Such as acupuncture, physiotherapy, and homeopathy, as recommended by a vet.


Emergency Boarding Fees: If you're hospitalized and unable to care for your pet.


Euthanasia, Cremation, and Burial: When medically necessary and recommended by a vet.

What is not covered


Routine or Preventative Care: Such as vaccinations, flea, worm, and tick treatments.


Initial Waiting Period: No coverage for treatments within the first 14 days of the policy.


Cosmetic Procedures: Like tail docking or ear cropping, unless medically necessary.


Chronic conditions (long-lasting and require ongoing management) that developed before the policy was taken out


Breeding or Pregnancy: Any treatment related to pet breeding, pregnancy, or giving birth.

Dog Pet

How much is pet insurance?

When it comes to the well-being of your beloved pet, understanding the cost of pet insurance is as important as choosing the right coverage. Here's what influences the cost of pet insurance:

  • Type of Pet: Insurance premiums can vary depending on whether you have a cat, dog, or another type of pet, as different pets have different health needs and risks.

  • Breed Specifics: Certain breeds are predisposed to specific health conditions, which can influence the cost of insurance.

  • Age of Pet: Generally, insurance for older pets is more expensive due to the increased likelihood of health issues, so often it is better to buy insurance for puppies and kittens.

  • Level of Coverage: We offer a range of policies from basic to premium, allowing you to choose a plan that fits your budget and your pet’s needs.

  • Location: Veterinary costs vary by location, which can affect insurance premiums.

Read more about the costs of pet insurance.

Can I make pet insurance cheaper?

1. Choose a higher co-payment

Opting for a higher co-payment can reduce your monthly premium, making insurance more cost-effective.

2. Pick a higher excess

Increasing your excess can lower your insurance premiums, offering a budget-friendly option.

3. Go for a lower vet limit

Choosing a policy with a lower vet fee limit can reduce the cost of your pet insurance.

4. Keep your pet healthy

Maintaining your pet's health through regular care and check-ups can help minimize insurance claims and costs.

5. Look for multi-pet discounts

Insuring multiple pets with the same provider often unlocks discounts, making it more economical.

Does pet insurance cover pre-existing conditions?

A common question among pet owners is whether pet insurance covers pre-existing conditions. Here’s what you need to know:

  • Definition of pre-existing conditions: These are health issues that your pet showed signs of or was diagnosed with before your insurance policy began.

  • Typical coverage policy: Most pet insurance plans, do not cover pre-existing conditions. This is because it makes it hard to predict vet costs.

  • Exceptions and considerations: Some policies may cover curable pre-existing conditions if the pet has been symptom-free for a certain period.

  • Importance of timely coverage: Securing pet insurance early in your pet's life can minimize the impact of pre-existing condition exclusions.

  • Ask for advice: It's always a good practice to ask your vet about your pet's medical history to understand if their previous conditions can be considered as pre-existing.

Read more about pre-existing conditions.

Dog in a Box
  • Is pet insurance worth it?
    Pet insurance is a valuable safety net, covering unexpected medical expenses. It provides peace of mind, ensuring your pet gets necessary care. It's especially beneficial for pets prone to health issues or accidents.
  • What is the cost of pet insurance?
    The cost depends on factors like your pet's age, breed, and coverage level. Basic plans are more budget-friendly but offer limited coverage. Premium plans cost more but provide comprehensive protection.
  • What pet insurance do vets recommend?
    Vets typically recommend comprehensive policies covering accidents, illnesses, and routine care. They suggest looking for plans with good coverage for chronic conditions. It's also advised to check for policies with minimal exclusions.
  • What does pet insurance cover?
    Accidents: Injuries and emergency treatments. Illnesses: From minor sickness to chronic diseases. Routine Care: Some policies include wellness visits and vaccinations.
  • Pros and cons of pet insurance
    Pros: Financial safety net for unexpected costs. Access to necessary treatments. Peace of mind for pet owners. Cons: Monthly premiums can add up. Exclusions like pre-existing conditions. Potential deductibles and co-pays.
  • Who has the best pet insurance?
    The best pet insurance varies based on individual needs. It's recommended to compare policies for coverage, exclusions, and customer reviews. Look for a balance of cost, coverage, and customer service reputation.
  • Which pet insurance that covers everything?
    No pet insurance covers 'everything,' but comprehensive plans come closest. They typically cover accidents, illnesses, and some wellness procedures. Always check for exclusions like pre-existing conditions and routine care limits.
  • How much is a vet visit for a dog without insurance?
    Costs can range widely, from basic consultation fees to hundreds for complex treatments. Emergency visits or surgeries without insurance can be particularly costly. Prices vary based on the procedure and location of the clinic.
  • What is a good annual limit for pet insurance UK?
    A good annual limit depends on your pet's potential health needs. In the UK, limits typically range from £1,000 to over £15,000. Higher limits offer more coverage but come with higher premiums.
  • Do vets charge more if you have insurance?
    Vets generally charge the same rates regardless of insurance status. Insurance helps owners afford more comprehensive care. It's more about coverage than cost differential at the vet.
  • What’s third party liability pet insurance?
    This covers costs if your pet causes injury to a person or damage to property. It's particularly important for dog owners. This insurance is a safeguard against legal liabilities.
  • How do vaccinations affect pet insurance?
    Keeping vaccinations up to date can lower pet insurance premiums. It reflects responsible pet ownership and preventive health care. Some insurers require up-to-date vaccinations for coverage.
  • What’s co-insurance or co-payment?
    Co-insurance is the percentage of a claim you pay after the excess is deducted. It's a way to share the cost of care between the insurer and the pet owner. Higher co-insurance can mean lower premiums.
  • Why are pedigree animals more expensive to insure?
    Pedigree pets often have a higher risk of inherited health conditions. They may also have higher value, increasing insurance costs. Insurers consider these factors when determining premiums.
  • Does my address matter for my pet insurance price?
    Yes, your location can affect insurance costs. Areas with higher vet fees typically have higher premiums. The risk of theft or straying can also vary by location.
  • Will property be covered if my pet damages it?
    Pet insurance usually doesn't cover damage to your own property. Third-party liability can cover damage your pet causes to others' property. Check your policy for specific exclusions.
  • Does pet insurance cover ‘cherry eye’ in dogs?
    Many insurers cover ‘cherry eye’ treatment if it's not pre-existing. Coverage depends on the specific policy and insurer. Always check for breed-specific condition exclusions.
  • Does pet insurance cover BOAS surgery?
    Coverage for BOAS (Brachycephalic Obstructive Airway Syndrome) surgery varies. Some insurers cover it if it’s not a pre-existing condition. It's important to check your policy's specifics.
  • How does my pet’s age affect pet insurance?
    Older pets often have higher insurance premiums. They are more likely to develop health issues. Age can also affect the availability of certain coverages.
  • Do I need to pay an excess for pet insurance?
    Most pet insurance policies require paying an excess. The excess is the amount paid out-of-pocket before insurance covers the rest. Choosing a higher excess can lower premiums.
  • Does pet insurance include kennel or cattery fees?
    Some policies cover kennel or cattery fees if the owner is hospitalised. This coverage is typically part of a more comprehensive plan. Always check the policy details for such benefits.
  • Can I get cover that starts immediately?
    Some insurers offer immediate cover for accidents. Illness coverage often has a waiting period. Check with your insurer for specific start times of coverage.
  • Is it better to pay for insurance annually or monthly?
    Paying annually can sometimes offer a discount. Monthly payments provide easier budgeting. Compare options to see which suits your financial situation best.
  • What should I do if my pet goes missing?
    Notify your insurer as many provide assistance for lost pets. Check if your policy includes advertising or reward costs. Also, inform local vets and animal shelters.
  • Will pet insurance cover life-threatening injuries or illness?
    Most pet insurance policies cover life-threatening conditions. This includes emergency surgeries and critical care. Check your policy for any limitations or exclusions.

Pet insurance can be confusing. But it shouldn't be!


Pet Insurance 


Cat Insurance Guide


Dog Insurance Guide


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

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