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Puppy insurance with free dog training, 24/7 online vet & up to £10K cover

Fluffy's insurance offers up to £10,000 in coverage, complemented by free dog training sessions and round-the-clock online veterinary support

Ensure your puppy's health and well-being are protected.

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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.


Here's what you get with Fluffy's puppy insurance


Veterinary fees

Up to £10k

Cover for surgical procedures, medications, and diagnostic tests.


Complementary Treatment

Up to £750

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Dental Treatment (Accident)

Up to £750

Includes dental treatment necessary due to accidents.


Overseas Travel

12 Months

Extends the same level of veterinary coverage to EU travel as in the UK.

Covers therapies to aid in prevention of future health issues and support recovery post-surgery.



Up to £1500

Reimburses the cost of your pet if they are stolen or go missing.


Missing Pet Advertising & Reward

Up to £1500


Third-party liability

Up to £2M

Covers costs if your pet injures another animal or person.


Death from Illness/Accident

Up to £1500

Provides coverage in the unfortunate event of your pet's death due to illness or injury.


Multi-pet Discount

Up to 10%

Offers up to a 10% discount for each additional pet insured with us.

Reimbursement for expenses related to advertising and offering a reward if your pet is lost or stolen.

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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.


Puppy insurance that supports you every step of the way


Free dog training

Enjoy over 100 expert-led training courses available at no cost.


Free 24/7 vet helpline

Benefit from our 24/7 vet helpline for free consultations anytime.


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.


Free 24/7 pet trainer

Our trainers and behaviorists are on hand 24/7 for guidance and support.


Access to exclusive community

Connect with a network of dog owners for shared experiences and advice.

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How much does puppy insurance cost?


Breed of the Puppy

Some breeds are prone to specific health issues and may cost more to insure. For instance, larger breeds or breeds with known hereditary conditions might have higher premiums.


Age of the Puppy

Generally, the younger your puppy, the lower the pet insurance cost. Premiums tend to increase as the puppy ages, especially if health issues arise.



Insurance costs can vary depending on where you live. Veterinary costs tend to be higher in urban areas, which can reflect in higher insurance premiums.


Type of Coverage

The cost also depends on the type of coverage you choose. Comprehensive plans that cover accidents, illnesses, wellness visits, and routine care will cost more than basic plans covering only accidents and illnesses.

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Why do you need to insure your puppy?

As a loving dog parent, the well-being of your puppy is always a top priority. Puppy insurance is an essential consideration for responsible pet care, offering several key benefits:

  • Financial Protection: Insurance covers unexpected veterinary costs from accidents or illnesses, easing the financial burden.

  • Customized Plans: Choose from a range of options to suit your budget and your puppy's health needs.

  • Peace of Mind: Ensures timely medical care for your puppy, giving you comfort in knowing you're prepared for any health issues.

By insuring your puppy, you're not only safeguarding their health but also ensuring your peace of mind as a pet owner.

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What are the types of puppy insurance?

1. Accident-Only Coverage:

Focus: Covers treatment costs for injuries due to accidents, such as fractures or car accidents.

Exclusions: Does not cover illnesses, routine care, or pre-existing conditions.

Cost: Generally the most affordable option.

Focus: Offers coverage that is renewed annually and covers your pet for its entire lifetime.
Benefits: Particularly beneficial for chronic or recurring illnesses.
Cost: Typically more expensive but provides long-term security.

3. Time-Limited Coverage

Focus: Provides coverage for a specific time period, usually 12 months, for each illness or injury.
Benefits: Once the time limit is reached, the condition is excluded from future coverage.
Cost: Less expensive but offers limited protection.

4. Maximum Benefit Coverage

Focus: Sets a specific financial limit for each condition or illness, without time restrictions.

Benefits: Flexibility in claiming up to the set limit per condition.
Cost: Moderately priced, offering a balance between extensive coverage and affordability.

What does puppy insurance cover?

What is covered


Accidents and Injuries. Covers treatment for accidents like broken bones, cuts, or ingestions of foreign objects.


Illnesses. Includes coverage for a range of illnesses, from common infections to serious diseases like cancer.


Hereditary Conditions. Covers conditions the puppy is born with or predisposed to, if not pre-existing before the policy starts.


Diagnostic Tests. Includes X-rays, blood tests, ultrasounds, and other diagnostic procedures.


Surgery and Hospitalization. Covers surgical procedures and the associated costs of hospital stays.

What is not covered


Pre-Existing Conditions: Conditions that exist before the start of the policy are generally not covered.


Routine and Preventive Care. Basic plans typically do not cover routine care like vaccinations, flea and tick prevention


Breeding Costs. Costs associated with pregnancy, breeding, or birthing are not covered.


Grooming. Grooming costs, including nail trims and bathing, are not usually covered.


Dietary and Nutritional Supplements. Most insurance policies do not cover special diets or nutritional supplements.


How soon can I get puppy insurance?

One of the most common questions pet owners have is, "How soon can I insure my puppy?" Understanding the right time to start your dog's insurance is crucial for their long-term health and your peace of mind.

  • Early Enrollment Advantage: Most puppy insurance policies allow enrollment as early as 6 to 8 weeks of age. The benefit of insuring your puppy at this young age is significant. Puppies are less likely to have pre-existing conditions, which are typically not covered by insurance, making this the ideal time to get them insured.

  • Why Early Insurance Matters: Starting your puppy’s insurance early ensures that you are financially prepared for any unexpected health issues or accidents right from the start. It's not just about "insuring my puppy"; it's about ensuring their health and well-being from the moment they become a part of your family.

  • Choosing the Right Plan: Research is key. Look for puppy insurance plans that offer comprehensive coverage that suits your puppy's specific needs and your budget. Consider factors like coverage options, exclusions, deductibles, and premiums. Remember, the best time to "insure your puppy" is now, when they are young and healthy.

What are the initial costs of owning a puppy?

1. Purchase or Adoption Fees

Costs can range significantly depending on the breed. Purebred puppies from reputable breeders tend to be more expensive. Adoption fees, however, range from about £50 to £200.

4. Bedding and Crate

A comfortable bed and a well-sized crate provide your puppy with a secure and cozy space. The crate serves as a valuable tool for house training and creating a safe haven. A comfortable bed can cost between £10 and £40.
A crate can range from £20 to £100, depending on size and quality.

2. Veterinary Care

Initial Exams and Vaccinations: Puppies need several rounds of vaccinations in their first few months. Microchipping: As discussed earlier, this is especially important in regions where it's legally required. The first veterinary visit can cost around £30 to £60. Microchipping is usually around £15 to £20.

5. Collar, Leash, and ID Tag:

A well-fitting collar, a sturdy leash, and an ID tag are crucial for your puppy’s safety. The ID tag should have your contact information to help if your puppy gets lost. A basic collar and leash set can cost around £10 to £30.

3. Food and Water Bowls

Choose bowls that are durable, easy to clean, and safe for your puppy. Stainless steel or ceramic options are often recommended as they are sturdy and don't harbor bacteria like plastic can. Basic bowls can cost anywhere from £5 to £20 each, depending on material and quality.

6. Food

It's important to choose high-quality puppy food that meets the nutritional needs of your growing pet. Look for food specifically formulated for puppies, which has the right balance of protein, fat, vitamins, and minerals. Monthly food expenses can vary widely, from £20 to £60.

Does puppy insurance cover vaccinations?

Whether puppy insurance covers vaccinations depends on the type of policy you choose:

  1. Accident-Only and Accident & Illness Policies: These generally do not cover vaccinations, as they are designed to cover unexpected injuries and illnesses, not routine care or preventive treatments.

  2. Wellness or Preventive Care Add-Ons: Some insurers offer wellness or preventive care as an additional coverage option, which can be added to your basic policy. These add-ons usually cover routine care, including vaccinations.

Pride Dog
Puppy in Red Cushion

Do I need to microchip my puppy?

  1. Legal Requirement for Dogs:

    • In the UK, it's legally required to have your dog microchipped by the time they're 8 weeks old. This requirement is part of responsible dog ownership and helps in reuniting lost or stolen dogs with their owners.

  2. Impact on Insurance:

    • Compliance with Law: Since microchipping is a legal requirement, insurers may expect this as a standard practice. Not microchipping your puppy could potentially impact the validity of your insurance policy.

    • Policy Terms: Each insurer has their own set of rules and conditions. While some might explicitly require microchipping, others may not. It’s important to check the specific terms of your insurance policy.

  3. Benefits Beyond Legal Compliance:

    • Identification and Safety: Microchipping offers a secure way of identifying your pet and increases the chances of them being returned to you if lost.

What age do puppies have their first vet check?

Puppies typically have their first vet check-up at around 6 to 8 weeks of age. This initial visit is crucial for several reasons:

  1. Health Assessment: The veterinarian will conduct a thorough physical examination to check for any signs of health issues. This includes examining the puppy's eyes, ears, mouth, skin, abdominal area, and listening to the heart and lungs.

  2. Vaccinations: Puppies receive their first set of vaccinations at this age. These vaccines protect against common and potentially serious diseases like parvovirus, distemper, hepatitis, and leptospirosis.

  3. Deworming: Puppies are often born with worms and need deworming treatment, which may be started or continued during this first visit.

What health issues affect puppies?

1. Parasites

Worms such as roundworms, hookworms, tapeworms, and whipworms. Puppies can be born with these or contract them from their environment.

2. Infectious Diseases

Parvovirus is a highly contagious viral illness, known for severe gastrointestinal symptoms. Distemper is a serious viral disease affecting the respiratory and nervous systems.

3. Gastrointestinal

Problems like diarrhea and vomiting can be common, often due to dietary indiscretions, stress, parasites, or infections.

4. Respiratory Infections

Puppies can be susceptible to respiratory infections, including kennel cough, especially if they're in contact with many dogs (like in a shelter or kennel environment).

5. Congenital Conditions

Some puppies may be born with congenital conditions, which can range from heart defects to musculoskeletal issues, depending on the breed.

6. Skin Issues

Puppies can suffer from a range of skin conditions, including allergies, mange (caused by mites), or infections.

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 more about pet insurance with our expert 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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