24/09/2026
Pet insurance is something that we recommend to all pet owners. It can help pay the cost of veterinary treatment for any accident, illness or injury that your pet may suffer. While you may be restricted by any exclusions on your policy due to pre-existing conditions and the type of policy you take out, it is always worth checking if your pet's treatment might be covered.
What sort of things can I potentially claim for?
Itchy skin ✅ - The most common condition claimed for on pet insurance
Vaccinations ❌ - Routine care is not covered by insurance.
A bout of runny tummy ✅ - All too common and the costs can mount up. If it is over your excess, it's worth claiming.
Neutering ❌ - Classed as routine care and not covered by insurance.
A cracked nail ✅ - A common injury, whether your pet needs surgical removal or just goes home with a course of antibiotics, this is often covered by insurance.
TPLO surgery ✅ - An expensive orthopaedic surgery, something that is usually covered by insurance, but it is worth checking if your policy has any internal limits on cruciate repair.
Chronic pain relief ✅ - Any chronic medication can usually be claimed, you can claim each time you pick up a new supply or every few months. Most insurance companies also offer facilities to claim for medication bought at online pharmacies.
Flea and worming treatment ❌ - Routine care which is not covered by insurance.
Ear infections ✅ - Another common complaint which might need several visits over the course of months. It's easy to not realise how much costs have mounted and forget to claim.
We usually advise making the most of your insurance policy and claiming for treatment when you can. With some insurance companies, this can increase your premium, so when seeking out an insurer in the first instance it's always a good idea to look for one that guarantees that claims will not affect your premium.