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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.

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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.


What is covered with Fluffy's dog insurance


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 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.

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How to get a dog insurance quote








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.

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Dog insurance that rewards amazing parents with amazing prizes

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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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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:

  1. Financial Security: Vet bills for accidents or illnesses can be expensive. Insurance helps manage these costs, protecting you from unexpected high expenses.

  2. Access to Better Care: With financial support, you can afford necessary treatments, ensuring your dog receives the best possible care.

  3. Budget Management: Regular insurance payments allow you to budget for your dog’s health expenses more predictably.

  4. 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.

  5. Comprehensive Coverage: Many policies offer broad coverage, from routine wellness to emergency procedures.

Dog Portrait

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.

Dog Dressed as Butterfly

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:

  1. 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.

  2. 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.

  3. Age of the Dog: Older dogs are usually more expensive to insure because they are more prone to health issues.

  4. Location: Veterinary costs can vary depending on where you live, which can affect insurance premiums.

  5. 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:

  1. 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.

  2. 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.

  3. 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.

Dog Wash
Dog and Its Owner

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:

  1. 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.

  2. 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.

  3. 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.

  • 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.

Learn how dog insurance works with our easy-to-follow guides


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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