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 four levels of cover (Bronze, Silver, Gold and Platinum) 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, 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).
Accidental death
Similar to 'Theft or Straying' cover, in the unfortunate event that your pet has to be put to sleep by a vet following an accident, we will cover the purchase price of the pet (up to a limit).
| Bronze | Silver | Gold | Platinum | |
| Vet excess* | £110 | £110 | £110 | £110 |
| Vet fees | £1,250 | £3,500 | £4,500 | £5,500 |
| Complementary treatment limit | £1,000 | £1,000 | £1,000 | £1,000 |
| Theft or straying (dogs) | £250 | £250 | £250 | £250 |
| Theft or straying (cats) | £100 | £100 | £100 | £100 |
| Death due to illness or accident (dogs) | £250 | £250 | £250 | £250 |
| Death due to illness or accident (cats) | £100 | £100 | £100 | £100 |
| Public liability | £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 | £1,000 | £1,500 | £2,000 | £2,250 |
| Complementary treatment limit | £1,000 | £1,000 | £1,000 | £1,000 |
| Theft or straying (dogs) | £250 | £250 | £250 | £250 |
| Theft or straying (cats) | £100 | £100 | £100 | £100 |
| Death due to illness or accident (dogs) | £250 | £250 | £250 | £250 |
| Death due to illness or accident (cats) | £100 | £100 | £100 | £100 |
| Public liability | £1,000,000 | £1,000,000 | £1,000,000 | £1,000,000 |
* pets over 7 years old are subject to co-insurance on top of this excess.
For policies that start or renew on or after 1st July 2024
For Policies commenced before 1st July 2024