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
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Ensure your puppy's health and well-being are protected.
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
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.
Theft/Straying
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?
1
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.
2
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.
3
Location
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.
4
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:
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Financial Protection: Insurance covers unexpected veterinary costs from accidents or illnesses, easing the financial burden.
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Customized Plans: Choose from a range of options to suit your budget and your puppy's health needs.
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Peace of Mind: Ensures timely medical care for your puppy, giving you comfort in knowing you're prepared for any health issues.
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By insuring your puppy, you're not only safeguarding their health but also ensuring your peace of mind as a pet owner.
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.
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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.
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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.
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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:
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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.
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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.
Do I need to microchip my puppy?
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Legal Requirement for Dogs:
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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.
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Impact on Insurance:
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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.
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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.
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Benefits Beyond Legal Compliance:
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Identification and Safety: Microchipping offers a secure way of identifying your pet and increases the chances of them being returned to you if lost.
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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:
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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.
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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.
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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.
Latest articles about puppy insurance, health and training
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