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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.

    Pet insurance explained

    Five things you should know about pet insurance

    Here’s five things you should know before buying insurance for your cat or dog.

    Find out more about pet insurance

    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?
    What isn't covered?
    Do you insure older pets?
    How is my premium calculated?
    How can I pay for my policy?
    Is my pet covered for pre-existing conditions?
    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?
    What is Accident Only cover?
    What is Bronze cover?
    What is lifetime cover?
    Is there anything you don’t cover?
    How do I make a claim?
    Will you reimburse me if I pay the vet, or can you pay the vet directly?
  • 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?

AXA Wealth Ltd 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. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

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). 

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group – www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

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.