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.
Similar to 'Theft or Straying' cover, in the unfortunate event that your pet has to be put to sleep the benefit will 'pay out' the price you paid to purchase your pet up to the cover limit. The amount of cover typically varies between dogs and cats. There is no excess associated with this benefit.
This benefit provides cover for complementary treatments, such as herbal medicine, homeopathy and physiotherapy, but only if these have been specifically recommended by the Vet looking after your pet.
The amount you can claim (under the Vet Fees section of cover) up to a limit for each condition. Once the limit is reached for a specific condition, no more vet fees will be paid out for it and the condition is excluded from all future claims (both in that policy year and when you renew.) The vet fee limits vary depending on the cover level you choose. There is also an annual limit for the amount the policy will pay out
If your pet dies, or has to be put to sleep by a vet, as a result of an accident, we will cover the purchase price or the value of the pet at death (subject to the policy maximum benefit). If you do not have proof of purchase, the lower of
up to £150 for the loss of a dog or up to £100 for the loss of a cat, or the value of the pet at the time of death (subjectto the policy maximum benefit).
This benefit is only for pets aged 8 years and below.
If your pet dies, or has to be put to sleep by a vet, as a result of an illness, we will cover the purchase price or the value of the pet at death (subject to the policy maximum benefit). If you do not have proof of purchase, the lower of
up to £150 for the loss of a dog or up to £100 for the loss of a cat, or the value of the pet at the time of death (subjectto the policy maximum benefit).
This benefit is only for pets aged 8 years and below.
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.
If your pet goes missing or is stolen we will cover the the lower of the purchase price or the value of the pet at the time of loss (subject to the policy maximum benefit). If you do not have proof of purchase, the lower of up to £150 for the loss of a dog or £100 for the loss of a cat, or the value of the pet at the time of loss, if your pet is lost or stolen and is not found or returns in 30 days
The excess is your contribution towards a claim. This is the first amount of each claim which is payable by you. It is paid by you directly to your Vet.
Once your pet is 7 years old or more, along with the excess, you will have to pay towards the cost of the Vet Fees. The amount you are required to pay is as follows:
7 Years or older: 20% will be deducted from the claims settlement after the Excess;
12 Years or older: 25% will be deducted from the claims settlement after the Excess.
This benefit provides cover for the cost of Vet fees required to treat your pet in the case of accident or illness, up to the cover levels shown. The amount of vet fees we will pay out changes depending on the level of cover you purchase, with increasing amounts of cover for silver, gold and platinum.
If your pet travel documentation is lost or stolen resulting in your pet being unable to return to the UK, this cover will pay up to the benefit amount to replace your documentation, your accommodation while you are delayed and any additional travel costs to get home if you are unable to use your return ticket.
Access to free unlimited 24/7 online vet service for advice with conditions such as: