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NEW Courtesy Pet Cover

When your pet is in for repair, don’t despair

Get Courtesy Pet Now

Why is it when your car’s being repaired you can have a courtesy car, but when your poorly pet has to stay at the vet, you have to go home to an empty sofa?

Not anymore. SunLife Pet Insurance now comes with courtesy pet cover FREE, so you no longer need to despair when your pet’s in for repair. That’s right, you’ll get a replacement pet to keep you company while yours is getting back on its paws – free. And that’s not all. We’ll make sure your courtesy pet is the perfect match for you.

PetMatch™ like-for-like guarantee in 3 simple steps

Our exclusive courtesy pet cover includes PetMatch™, a patented pet-matching service developed in the kindergartens of Switzerland. PetMatch is powered by the highly sophisticated parallel pet algorithm that pinpoints the right pet for you.

Here’s how PetMatch™ goes into action as soon as your pet’s stay at the vet starts:

  • Your pet’s personal data and ID photo undergo detailed image scanning and behavioural analysis
  • Your pet’s optimum match potential is identified based on a single like-for-like selection eg.
    • Favourite food
    • Pet name
    • Intelligence*
    • Skin type / fur coverage
    • Colour
  • Your perfectly matched courtesy pet arrives within 24 hours of you starting to miss your own pet.
  • The ONLY courtesy pet cover on the market
  • FREE replacement pet when yours is out of action
  • PLUS PetMatch™ – like-for-like guarantee
  • Company while your pet gets back on its paws

* PetMatch™ is based on factual evidence alone. Personal views on your pet’s intelligence are subjective and cannot be accepted, however cute your cat looks wrapped in toilet paper.

“Clever PetMatch!”


I would just like to say how impressed I’ve been with your courtesy pet service. I was very anxious about missing my little cat Winston while he was at the vets, but I needn’t have worried. I was a little surprised when a 12 foot long snake arrived as my replacement pet, but after a few days we got on fine and he proved to be just as good a mouser as my Winston. Clever PetMatch! I’m glad to have Winston back safe and well but I was sorry to say goodbye to Brian. Excellent service!”

“A refreshing change”


“When Tiny, my Great Dane Rottie cross hurt herself and had to have an op at the veterinary hospital, your courtesy pet service certainly took my mind off missing her. A Shetland Pony was such an interesting choice. Your adviser explained that PetMatch had based its selection on size and number of legs and both I have to say, matched perfectly. We actually found the experience a refreshing change. Our courtesy pony pulled less on the lead and even carried our youngest child on its back when she got tired during a walk. Would definitely use this service again.”

Frequently asked questions

Here are 5 questions we’ve never been frequently asked:

How do I qualify for courtesy pet cover?

If you have SunLife Pet Insurance then you’re guaranteed to be accepted for free courtesy pet cover.

Whilst we cannot give advice on whether our pet insurance is right for you, if you don’t have a pet you may want to consider not taking out pet insurance in the first place. Also, claiming you always wanted a pet but were never allowed to have one, does not qualify you for courtesy pet cover, however much you beg.

What type of pet will be provided?

Our unique PetMatch™ service will match your courtesy pet to your own pet based on one special feature, such as colour or favourite food. The special feature is fixed from day one and will never change, so you’ll always know where you stand, which might well be next to a llama.

My dog has been trained to fetch the paper. Will my courtesy pet do the same?

The courtesy pet we provide you with is guaranteed to match your pet in one way only. The courtesy pet’s ability to do specific tricks cannot be guaranteed, although we once had a snake that could belly dance.

In the future, you’ll be able to upgrade to our enhanced courtesy pet cover, which will include a range of circus trained animals and talking birds.

My courtesy pet doesn’t wee on the carpet like my pet. Can I keep it?

We are delighted that your courtesy pet showed such impeccable manners, however, you must return them as soon as your own pet has recovered.

Whilst how you train your pet is your own decision, you may want to try a bit harder from now on.

Will I need to return my courtesy pet fully refueled?

You courtesy pet will be well-fed and watered on arrival and must have a full tummy on collection. If your courtesy pet is found to be even the slightest bit peckish you will be charged a full feeding penalty (average £75 based on a kilo of fillet steak and a bottle of mineral water). Our courtesy pets are used to the best.

Exclusion apply. This page contains information on how Courtesy Pet Cover works. As it does not contain advice, you need to be satisfied that you actually have a pet and not just a lifelong hankering for one. If you are unsure and would like to know more, please visit www.rspca.org.uk for information on how to responsibly re-home or adopt a pet.

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services. Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.