Whilst every effort has been made to keep the content of our website simple, sometimes 'insurance jargon' is unavoidable, we also recognise that some of the concepts used in the structure of policies are not things that most people use on a day to day basis. To this end, we recommend you read our short Pet Insurance Guide if any of the words or concepts used below don't make complete sense.
At Puffin, we offer two types of Pet Insurance policy for dogs and cats:
The difference between these can be confusing, so if you're uncertain read our Pet Insurance guide.
For both Lifetime and Maximum Benefit policies, we offer six levels of cover (Bronze*, Silver, Gold, Platinum, Platinum Plus* and Diamond*) with increasing cover limits.
We can provide cover for nearly 400 different breeds of dogs (including cross breeds / mongrels) and for many breeds of cat. To find out if we can cover your breed of dog, fill in our 'get Pet Quote' page. There are also certain 'eligibility' criteria that have to be met to to take out our insurance. These are detailed in our policy documents but in summary...
Access to 24/7 Online Vet
For all our policies that start or renew on or after 1st July 2024, your policies include unlimited advice from FirstVet directly from your mobile or computer. This service is completely free and doesn't affect your cover. FirstVet is open 24/7 and can provide advice on your pets symptoms such as
Vet Fees
The primary reason most people want Pet Insurance, is to cover the cost of vet fees should your pet have an accident or become ill. The amount of vet fees that we will cover depends on the policy you purchase (see Summary of cover levels). All vet fees are subject to an excess, which is £110 for all policies. If your pet is more than 7 years old, you'll also be required to pay a portion of the vet fees as well as the excess (this is known as 'co-insurance' and is described in our Pet Insurance guide).
Complimentary treatment
In addition to vet fees (up to the maximum limit of the policy), we will also pay for certain complimentary therapy/treatment, up to a limit, such as: physiotherapy, pet behaviour counsellors, hydrotherapy and herbal or homeopathic medicine if prescribed by your vet.
Theft or straying
In the unfortunate circumstance that your pet is stolen or goes missing, we will cover the purchase price of your pet (up to a limit).
Death due to Illness or Accident
Cover is available if your pet passes away or is put to sleep by a vet due to an accidental injury or illness during the policy period, with a benefit towards the purchase price or reimbursement value, subject to the policy terms and conditions.
Holiday Cancelled/Cut Short
If your pet's unexpected illness, emergency treatment, disappearance, or death means you have to cancel or cut short your trip, we'll help cover your unrecoverable pre-booked travel and accommodation costs, in line with your policy.
Loss of Pet Travel Documentation
If your pet can't return home because their travel documents have been lost or stolen, we'll help cover the cost of replacement documents, accommodation, and necessary additional travel expenses, in line with your policy.
| Bronze* | Silver | Gold | Platinum | Platinum Plus* | Diamond* | |
| Vet excess** | £110 | £110 | £110 | £110 | £110 | £110 |
| Vet fees | £1,250 | £3,500 | £4,500 | £5,500 | £7,500 | £10,000 |
| Complimentary treatment limit | £1,000 | £1,000 | £2,000 | £3,000 | £4000 | £5000 |
| Cremation/burial (part of the vet fee limit) | £100 | £150 | £200 | £250 | £250 | £250 |
| Theft or straying | £500 | £500 | £1000 | £2000 | £3000 | £3000 |
| Death due to illness or accident | £500 | £500 | £1000 | £2000 | £3000 | £3000 |
| Holiday Cancelled/Cut short | £500 | £1000 | £2000 | £3000 | £4000 | £5000 |
| Loss of Pet Travel Documentation | £250 | £250 | £250 | £250 | £250 | £250 |
| Public liability | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 |
| Bronze* | Silver | Gold | Platinum | |
| Vet excess** | £110 | £110 | £110 | £110 |
| Vet fees | £1,250 | £3,500 | £4,500 | £5,500 |
| Individual condition limit | £1,250 | £3,500 | £4,500 | £5,500 |
| Complimentary treatment limit | £1,000 | £1,000 | £2,000 | £3,000 |
|
Cremation/burial (part of the vet fee limit) |
£100 | £150 | £200 | £250 |
| Holiday Cancelled/Cut Short | £500 | £1,000 | £2,000 | £3,000 |
| Theft or straying | £500 | £500 | £1,000 | £2,000 |
| Death due to illness or accident | £500 | £500 | £1,000 | £2,000 |
| Loss of Pet Travel Documentation | £250 | £250 | £250 | £250 |
| Public liability | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 |
* Cover levels not available in website journey, please contact our customer service team for more details.
** Co-Insurance (variable excess) may be applicable. Please see your policy schedule for details.
Our pet policy wording will change for policies with a start date on or after 15/05/2026. You can view full details of the changes here.
Pet Max Benefit policy wording here
Pet Lifetime policy wording here
Please note our policy wording will change from time to time and you will need to check the documents issued to you on purchase for your exact policy wording.