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.
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
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 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
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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
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:
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Financial Security: Manage veterinary expenses for accidents, illnesses, and routine care without breaking the bank.
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Peace of Mind: Knowing you're prepared for any health issues your pet may face, from minor injuries to major treatments.
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Comprehensive Coverage: Tailored plans to fit your pet's unique needs, covering everything from preventive care to emergency procedures.
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Uncompromised Care: Ensure your pet receives the necessary treatment without the stress of cost considerations.
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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.
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Read more about the benefits of pet insurance.
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
insurance.
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.
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:
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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.
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Breed Specifics: Certain breeds are predisposed to specific health conditions, which can influence the cost of insurance.
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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.
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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.
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Location: Veterinary costs vary by location, which can affect insurance premiums.
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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:
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Definition of pre-existing conditions: These are health issues that your pet showed signs of or was diagnosed with before your insurance policy began.
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Typical coverage policy: Most pet insurance plans, do not cover pre-existing conditions. This is because it makes it hard to predict vet costs.
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Exceptions and considerations: Some policies may cover curable pre-existing conditions if the pet has been symptom-free for a certain period.
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Importance of timely coverage: Securing pet insurance early in your pet's life can minimize the impact of pre-existing condition exclusions.
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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.
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Read more about pre-existing conditions.
Latest articles about pet 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