• Why choose SunLife Pet Insurance?

    Helps protect you from unexpected vet bills

    Hassle-free claims process

    Vet fees paid directly (subject to availability)

    24-hour pet helpline

    What is SunLife Pet Insurance?

    • Accident Only cover starting at just £4.22 a month for a cat and £6.80 a month for a dog
    • A choice of cover levels to suit your pet and budget
    • Expert counselling for bereaved pet owners included at no extra cost
    • Pay annually or monthly at no extra charge

    Important information

    • Lifetime cover options available. If you renew your policy and continue to pay your premiums, and your insurer invites renewal, any injury or illness your pet has suffered will be covered again the following year, up to the policy limit. There's no limit to how many times the illness or injury will be covered.
    • We provide cover for most cats and dogs providing they are over 8 weeks old with no upper age limit.^
    • Standard policy excess is £80 for dogs and £70 for cats. Variable excess may apply.

    Pre-existing conditions are not covered

    SunLife Pet Insurance is arranged and administered by BDML Connect Limited

    Still have questions about SunLife Pet Insurance?

    Why bother with pet insurance?

    Why bother with pet insurance?

    Meet Sid (dog), Sid is adored by all the family, but he's a bit of a tinker loves running about and sneaking outdoors.

    Sid wasn’t covered by pet insurance, so his owners had to find almost £1200 to cover the bill.

    Fortunately Sid is going to be absolutely fine.

    Paying for an unexpected bill like this could mean you have to go without something else!

    Pet insurance helps to cover the cost of vet bills in the event of an insured animal falling ill or being injured in an accident.

    Sid could have had accident only insurance for less than £7 per month, saving his owners hassle and money at an already stressful time.

    Meet Misty

    Misty recently broke her leg and her treatment cost over £850 but was covered by insurance.

    Her owners pay just over £4 per month for accident insurance and it gives them peace of mind at an affordable cost.

    We offer 4 types of cover for cats & dogs from accident only to gold cover.

    Included in your policy you’ll get access to a 24 hour pet helpline…and you’ll get support if your furry friend passes away – we really understand how upsetting it can be.

    If you do have to claim, we can even deal with your vet for you!

    That's another thing we've made straightfordable.

    If you’re a dog or cat owner, you’ll know your pet can quickly become part of the family. But what happens when they’re in an accident or become poorly?

    Trips to the vet can be expensive as well as stressful, but pet insurance helps to cover the cost of treatment if an insured animal falls ill or is injured in an accident.

    Watch our video to find out why you should bother with pet insurance.

    Pet insurance explained

    Five things you should know about pet insurance

    kitten being examined by a vetIf you’re about to get a cat or dog, or haven’t insured your pet yet, read these 5 things you should know about pet insurance before you buy..

    The reality of vet bills

    close up of dog with a bandaged pawThe average pet insurance claim is £720. Can you afford not to cover your pet? We compare the cost of pet insurance and vet bills, to help you decide.

    Gold

    Most popular

    Our most popular cover offering lifetime cover to help pay for illnesses and accidental injuries

    • Lifetime cover*
    • Covers up to £7000 for dogs
    • Covers up to £4000 for cats
    • Includes up to £1 million 3rd party liability for dogs
    • Continued illness and accidental injuries remain covered if policy is renewed and premiums are paid
    • No limit to how many times the illness or injury will be covered

    Silver

    The same great benefits as our gold cover but with lower cover limits.

    • Lifetime cover*
    • Covers up to £3500 for dogs
    • Covers up to £2500 for cats
    • Includes up to £1 million 3rd party liability for dogs
    • Continued illness and accidental injuries remain covered if policy is renewed and premiums are paid
    • No limit to how many times the illness or injury will be covered

    Bronze

    Reassurance of help to cover the cost of each illness, accident and injury over a 12 month period

    • 12 month cover
    • Covers up to £1500 for dogs
    • Covers up to £1250 for cats
    • Includes up to £1 million 3rd party liability for dogs
    • Cover for loss of pet by theft
    • Cover for quarantine expenses

    Accident

    Provides help towards treatment costs as a result of an accident

    • 12 month cover
    • Covers up to £2500/accident for dogs
    • Covers up to £2000/accident for cats
  • Which beloved pet do you have?

    Gold Silver Bronze Accident
    Product type Lifetime* Lifetime* 12 months 12 months
    Vet fees £7,000 £3,500 £1,500 £2,500
    Fixed excess (per condition per year) £80 £80 £80 £80
    Death from accident £1,000 £700 £400 £250
    Loss by theft £1,000 £700 £400 n/a
    Third party liability £1m £1m £1m £1m
    Holiday cancellation £3,000 £2,000 £1,000 £250
    MRI limit £1,500 £1,250 £1,000 £1,000
    CT scan limit £1,000 £800 £600 £600
    Cruciate surgery limit £2,000 £1,500 £1,250 £1,250
    Variable excess (per condition per year) 10%
    aged 5+
    10%
    aged 5+
    10%
    aged 5+
    10%
    aged 5+
    Death from illness £1,000 under age 6 £700 under age 6 £400 under age 6 n/a
    Advertising & reward £1,500 £1,000 £750 £250
    Boarding & kennel fees £2,000 £1,500 £1,000 £250
    Quarantine expenses £150 £150 £150 n/a
    Loss of pet passport £250 £250 £250 n/a
    Emergency expenses abroad £150 £150 £150 n/a
    Help lines
    Gold Silver Bronze Accident
    Product type Lifetime* Lifetime* 12 month 12 month
    Vet fees £4,000 £2,500 £1,250 £2,000
    Fixed excess (per condition per year) £70 £70 £70 £70
    Death from accident £750 £500 £250 £150
    Loss by theft £750 £500 £250 n/a
    Holiday cancellation £3,000 £2,000 £1,000 £150
    MRI limit £1,500 £1,250 £1,000 £1,000
    CT scan limit £1,000 £800 £600 £600
    Cruciate surgery limit £2,000 £1,500 £1,250 £1,250
    Variable excess (per condition per year) 10%
    aged 7+
    10%
    aged 7+
    10%
    aged 7+
    10%
    aged 7+
    Death from illness £750 under age 8 £500 under age 8 £250 under age 8 n/a
    Advertising & reward £1,500 £1,000 £750 £150
    Boarding & kennel fees £2,000 £1,500 £1,000 £150
    Third party liability n/a n/a n/a n/a
    Quarantine expenses £150 £150 £150 n/a
    Loss of pet passport £250 £250 £250 n/a
    Emergency expenses abroad £150 £150 £150 n/a
    Help lines
  • *If you renew your policy and continue to pay your premiums, and the insurer invites renewal, any injury or illness your pet has suffered will be covered again the following year.

    There's no limit how many times the illness or injury will be covered.

    ^Death from illness is only covered for dogs under age six and cats under age eight.