As described in our pet insurance guide, your Pet Insurance policy is essentially a series of policy benefits that provides cover for a variety of scenarios related to your pet. Below is a complete list of benefits that you'll find on Puffin Insurance policies. Please remember that this is just a brief description of the benefit and you should read the policy documentation to get a full description, including any exclusions and clauses, of the benefits.
Provides a payment if your pet passes away due to an accident or injury. The amount paid is based on your pet’s value, up to your policy limit.
Support for complementary treatments like physiotherapy, hydrotherapy, and acupuncture. These must be recommended by your vet and carried out by qualified professionals.
Cover up to your chosen vet fee limit. This limit is for each illness or condition your pet develops.
Provides a payment if your pet passes away due to an accident or injury. The amount paid is based on your pet’s value, up to your policy limit.
Provides a payment if your pet passes away due to illness. Your vet must confirm the illness and that treatment was not possible. Illness related cover is up to 8 years of age. After this age, the benefit no longer applies.
If your dog injures someone, damages property or causes an accident, you might be liable for any costs incurred, including legal costs. Public liability benefit will cover these costs, up to the value shown.
The concept of public liability cover does not exist for cats as they are considered 'free spirits' in the eyes of the law and therefore owners cannot be held accountable for their actions.
Provides a payment if your pet is lost or stolen and not found within 30 days. You must report the loss and take reasonable steps to recover your pet.
This is the amount you’ll pay towards each new condition before we contribute.
If your pet is older, you may also pay a percentage of the remaining cost after the excess.
You may be required to pay a proportion of the Veterinary Fees as Co-Insurance (Variable Excess). The amount of Co-Insurance (if applicable) will be deducted from the claim settlement after the Excess. Please refer to your Policy Wording and/or Insurance Product Information Document (IPID) to check if Co-Insurance applies.
Covers the cost of vet treatment for illness or injury. This includes consultations, tests, surgery, and medication. This applies to your vet fee limit. It also includes things like scans and specialist referrals.
Helps pay for the cost of replacing lost or stolen pet travel documents while abroad. Also helps with additional travel and accommodation costs if your return is delayed.
Includes 24/7 access to UK-based vets via video consultation. This gives you expert advice anytime without needing to visit a vet surgery.