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SunLife Pet Insurance

Cover that's good for your pocket — and your pet

Get a pet insurance quote

Why choose SunLife Pet Insurance?

From just £4.22

a month for cats, £6.80 for dogs

Lifetime cover option

with no limit on number of claims

Free bereavement service

counselling service without charge

No age limit

cover whatever your pet's age*

a black labrador carrying a large branch.

What is SunLife Pet Insurance?

  • Accident Only cover from just £4.22 a month for a cat and £6.80 a month for a dog
  • Choose cover levels that suit your pet and your budget
  • Expert counselling for bereaved pet owners — included for free
  • Pay annually or monthly — whatever suits you
  • Lifetime cover options available*. There's no limit to how many times the illness or injury will be covered.
  • We cover most cats and dogs that are over eight 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

Questions?  Read our FAQs

Why bother with pet insurance?

Video transcript
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.

Cats and dogs 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 and stressful. Pet insurance helps cover treatment costs if an insured animal falls ill or is injured in an accident.

Pet insurance explained

 

The reality of vet bills

The 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.

Learn more about the reality of vet bills

Dog whats covered

GOLD

Cover period Lifetime
Vets fees £7,000
Fixed excess (per condition per year) £80
Death from accident £1,000
Loss by theft £1,000
Third party liability £1m
Holiday cancellation £3,000
MRI limit £1,500
CT scan limit £1,000
Cruciate surgery limit £2,000
Variable excess (per condition per year) 10% 
aged 5+
Death from illness £1,000 under age 6
Advertising & reward £1,500
Boarding & kennel fees £2,000
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

SILVER

Cover period Lifetime
Vets fees £3,500
Fixed excess (per condition per year) £80
Death from accident £700
Loss by theft £700
Third party liability £1m
Holiday cancellation £2,000
MRI limit £1,250
CT scan limit £800
Cruciate surgery limit £1,500
Variable excess (per condition per year) 10% 
aged 5+
Death from illness £700 under age 6
Advertising & reward £1,000
Boarding & kennel fees £1,500
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

BRONZE

Cover period 12 months
Vets fees £1,500
Fixed excess (per condition per year) £80
Death from accident £400
Loss by theft £400
Third party liability £1m
Holiday cancellation £1,000
MRI limit £1,000
CT scan limit £600
Cruciate surgery limit £1,250
Variable excess (per condition per year) 10% 
aged 5+
Death from illness £400 under age 6
Advertising & reward £750
Boarding & kennel fees £1,000
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

ACCIDENT ONLY

Cover period 12 months
Vets fees £2,500
Fixed excess (per condition per year) £80
Death from accident £250
Loss by theft n/a
Third party liability £1m
Holiday cancellation £250
MRI limit £1,000
CT scan limit £600
Cruciate surgery limit £1,250
Variable excess (per condition per year) 10% 
aged 5+
Death from illness n/a
Advertising & reward £250
Boarding & kennel fees £250
Quarantine expenses n/a
Loss of pet passport n/a
Emergency expenses abroad n/a
Help lines green tick icon

Cat whats covered

GOLD

Cover period Lifetime
Vets fees £4,000
Fixed excess (per condition per year) £70
Death from accident £750
Loss by theft £750
Holiday cancellation £3,000
MRI limit £1,500
CT scan limit £1,000
Cruciate surgery limit £2,000
Variable excess (per condition per year) 10% 
aged 7+
Death from illness £750 under age 8
Advertising & reward £1,500
Boarding & kennel fees £2,000
Third party liability £2,000
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

SILVER

Cover period Lifetime
Vets fees £2,500
Fixed excess (per condition per year) £70
Death from accident £500
Loss by theft £500
Holiday cancellation £2,000
MRI limit £1,250
CT scan limit £800
Cruciate surgery limit £1,500
Variable excess (per condition per year) 10% 
aged 7+
Death from illness £500 under age 8
Advertising & reward £1,000
Boarding & kennel fees £1,500
Third party liability n/a
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

BRONZE

Cover period 12 months
Vets fees £1,250
Fixed excess (per condition per year) £70
Death from accident £250
Loss by theft £250
Holiday cancellation £1,000
MRI limit £1,000
CT scan limit £600
Cruciate surgery limit £1,250
Variable excess (per condition per year) 10% 
aged 7+
Death from illness £250 under age 8
Advertising & reward £750
Boarding & kennel fees £1,000
Third party liability n/a
Quarantine expenses £150
Loss of pet passport £250
Emergency expenses abroad £150
Help lines green tick icon

ACCIDENT ONLY

Cover period 12 months
Vets fees £2,000
Fixed excess (per condition per year) £70
Death from accident £150
Loss by theft n/a
Holiday cancellation £150
MRI limit £1,000
CT scan limit £600
Cruciate surgery limit £1,250
Variable excess (per condition per year) 10% 
aged 7+
Death from illness n/a
Advertising & reward £150
Boarding & kennel fees £150
Third party liability n/a
Quarantine expenses n/a
Loss of pet passport n/a
Emergency expenses abroad n/a
Help lines green tick icon

Frequently asked questions

Why do I need pet insurance?

Pet insurance helps protect you from unexpected vet bills. It will usually pay for things like consultations, treatments, complementary therapies and even some treatment foods. Paying for pet insurance could mean you're protected from many of these expenses while your pet gets the treatment it needs. Dog owners should also think about the legal costs or damages they may be liable to pay if their dog causes injury or an accident. This could run to thousands of pounds.

What type of pets do you cover?

Most breeds of cat or dog can be insured once they are eight weeks old (as long as the dog is not listed under the Dangerous Dogs Act).

What isn't covered?

Pets with aggressive tendencies

Pets used for racing, coursing, commercial security and commercial breeding

Dogs currently listed under the Dangerous Dogs Act

  • American Pitbull Terrier
  • Dogo Argentino
  • Fila Braziliero
  • Japanese Tosa
  • Pit Bull
  • Pit Bull Terrier
  • Wolf or wolf hybrid
  • A dog crossed with these breeds
  • Any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991, Dangerous Dogs (amendment) Act 1997, or any subsequent amendments – or a dog crossed with any of these.

Please call 0800 014 7221 (Monday to Friday 8am to 8pm, Saturday 9am to 5pm) for help.

Do you insure older pets?

We provide cover for most cats and dogs providing they are over eight weeks old with no upper age limit. variable excesses may apply.

How is my premium calculated?

A range of factors could affect your premium and cover. These include (but aren’t limited to)

  • The age of your pet. Older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system
  • Your pet's breed. Pedigrees can be more likely to need treatment
  • Where you live. Vet prices may vary across the country
How can I pay for my policy?

You can pay in a number of ways – whatever suits you best. You can either pay in one go, or you can pay by Direct Debit each month (at no extra charge).

Is my pet covered for pre-existing conditions?

No, we can’t cover a condition that already exists when you start the plan. A pre-existing condition is any symptom or condition that has occurred or existed in any form before the start date of the policy – or any symptom or condition that occurs during the first 14 days of your plan.

If my pet suffered from a condition that required long-term medication for more than 12 months, would I be able to continue the insurance with you?

The Silver package covers up to £3,500 for dogs and £2,500 for cats – helping pay for all illnesses and accidental injuries over the lifetime of your pet. If this limit is reached during the policy year, no further claims will be paid that year. If you renew your policy and continue to pay your premiums and the insurer invites renewal, that illness or injury will be covered again the following year. There's no limit on how many times the illness or injury will be covered in this way. Gold cover offers higher pay-out amounts for all illnesses and accidental injuries, and is renewable on a yearly basis. Just like Silver cover, there's no limit on how many times the illness or injury will be covered. The Bronze package covers illness for a period of 12 months. After 12 months that illness will not be covered again.

What is Accident Only cover?

All normal charges for your pet’s treatment for an injury (carried out by a vet while you plan is running) will be paid. Cover is provided up to the policy limit and with a 12-month time limit, subject to your premiums being up to date.

What is Bronze cover?

The Bronze package covers your pet for 12 months. If your pet becomes ill, they'll be covered to the vet's fee limit, for each condition and with a 12 month time limit subject, if your premiums are up to date. If your pet still needs treatment for the same condition after the 12 months have passed, they will not be covered. Cover begins from the first clinical signs of illness.

What is lifetime cover?

The Silver and Gold packages offer lifetime cover. If your pet becomes ill they will be covered up to the policy limit and reinstated on an annual basis. If your policy is renewed and your premiums are up to date, there’s no limit on how long you can claim for each illness or injury.

Is there anything you don't cover?

SunLife Pet Insurance tries to cover as many conditions for cats and dogs as possible. Here are some of the events that are not included (you can look at the policy wording for full details and for other exclusions that may apply)

  • The costs of treating an illness or injury that first shows clinical signs or occurs within the first 14 days of cover
  • Routine examinations, vaccinations and preventative treatments
  • Any medical condition that your pet had before cover was started (pre-existing conditions)
  • Dental treatment except as a result of an accident
How do I make a claim?

Call 0333 777 3642 (Monday-Friday 8am to 6pm and Saturday 9am to 2pm) and a personalised claim form will be sent to you with your details already completed. The vet can also be paid direct if they have the capability set up. If the vet you use isn’t able to offer this facility (or you have already made payment to the vet) you'll be sent a cheque.

You’ll need the following information when you call

  • Policy number
  • Pet's name
  • Nature of claim

Please keep all receipts and invoices you want to claim for, and send them to us with your completed claim form and any other documents that support your claim. You can find full details on how to make a claim in the policy wording.

Will you reimburse me if I pay the vet, or can you pay the vet directly?

Claim payments can be sent directly to your vet, as long as they’re happy with this. You can state who should receive the claim payment on the claim form. If you would like your vet to be paid directly, you should pay the excess to the practice first.

SunLife pet insurance

The smallest print

*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 to how many times the illness or injury will be covered.

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

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). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

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 are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

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.