Pet Insurance

As an important member of your family, we know just how difficult it is when your pets aren’t feeling their best. At Swinton, we’ll help you find Pet Insurance at the right level and price that protects your pet should they sadly fall ill or suffer an injury.

What is Pet Insurance?

As a pet owner, we know it can be really upsetting and often costly when your pet has an injury or is feeling under the weather. A Pet Insurance policy from Swinton can help you cover the cost of vet bills and give you peace of mind so that you can focus on your furry friend's recovery.

Policies can range in what they will pay out for, depending on your level of cover. Basic plans will include medical aid such as MRI scans and dental procedures, while more comprehensive plans will cover you for holiday cancellations due to a pet illness, accidental damage or a reward if your pet goes missing.

Why choose Swinton to insure your pets?

  • Speak to veterinary professionals for free with the Swinton vet line

  • Lifetime cover available for vet bills, legal fees, accidental damage and a wide range of illnesses or injuries, for as long as your policy is in place with Swinton. Limits apply.

  • Choose your level of cover and tailor your insurance benefits to build a policy that’s right for you.

  • Get great benefits and connect with fellow pet lovers through the Swinton Pet Club on Facebook, Instagram and Twitter.

  • Insure your pets with one of the most trusted and well-established insurance brokers in the UK. Customers give us 4.5 out of 5 with Trustpilot.

Find out more about Cat Insurance and Dog insurance

What does Swinton Pet Insurance cover?

From playful puppies to courageous cats, we know that every pet has a unique personality and different needs. At Swinton, we offer two lifetime Pet Insurance products — Essentials and Classic — so that you can decide which suits your furry friend the best.

Lifetime cover is insurance that protects your pooch or puss year after year for a wide range of illnesses and injuries as long as your policy with us is in place. Every year you renew, you'll receive a fixed maximum amount to cover veterinary treatment, this limit applies to both new and recurring illnesses and injuries that have occurred since your policy started with us.

For whichever product you decide is the best fit, you can choose from three levels of cover: £2,000, £4,000 or £7,000. 

Cover level - £2000

Feature/benefit

Essentials Classic

Vet fees:

£2,000 £2,000

MRI/CT scans*

£1,000 £1,500

Cruciate Ligament*

£2,000 £2,000

Dental treatment*

£1,500 £2,000

Complementary treatments*

£500 £750

Behavioural problems*

£750 £750

Prescription food*

£100 £100

Travelling abroad - Vet fees*

  £2,000

Third party liability

£1m £1m

Accidental damage

  £250

Emergency boarding

£500 £500

Lost/Stolen

  £1,000

Advertising and reward

  £600

Death by accident

  £1,000

Death by illness

  £1,000

Holiday cancellations and associated costs per year

  £500

Maximum trip length per year

  30 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Cover level - £4000

Feature/benefit

Essentials Classic

Vet fees:

£4,000 £4,000

MRI/CT scans*

£2,000 £3,000

Cruciate Ligament*

£2,500 £4,000

Dental treatment*

£3,000 £4,000

Complementary treatments*

£750 £1,000

Behavioural problems*

£1,000 £1,000

Prescription food*

£100 £150

Travelling abroad - Vet fees*

  £4,000

Third party liability

£1m £1m

Accidental damage

  £500

Emergency boarding

£500 £750

Lost/Stolen

  £1,500

Advertising and reward

  £800

Death by accident

  £1,500

Death by illness

  £1,500

Holiday cancellations and associated costs per year

  £750

Maximum trip length per year

  60 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Cover level - £7000

Feature/benefit

Essentials Classic

Vet fees:

£7,000 £7,000

MRI/CT scans*

£3,000 £4,500

Cruciate Ligament*

£3,000 £7,000

Dental treatment*

£5,000 £7,000

Complementary treatments*

£1,000 £1,500

Behavioural problems*

£1,500 £1,500

Prescription food*

£100 £200

Travelling abroad - Vet fees*

  £7,000

Third party liability

£1m £1m

Accidental damage

  £750

Emergency boarding

£500 £1,000

Lost/Stolen

  £2,000

Advertising and reward

  £1,000

Death by accident

  £2,000

Death by illness

  £2,000

Holiday cancellations and associated costs per year

  £1,000

Maximum trip length per year

  90 days

*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.

Policy documents

Essentials

Policy Wording (PDF - 397KB)

Classic

Policy Wording (PDF - 426KB)

Swinton Pet Insurance Benefits

Just some of our pawsome benefits include:

Classic and Essentials

  • Vet fees — If your pet becomes unwell or suffers an injury, we’ll cover the costs up to your chosen cover limit. This includes recommended complementary treatments such as hydrotherapy, physiotherapy and osteopathy.
  • Emergency boarding — If you or anyone normally living with you needs to be admitted to the hospital unexpectedly for three or more consecutive days, Pet Insurance covers the cost of licenced pet boarding, kennels or pet sitting up to your chosen cover limit.
  • Third-party liability — Should your dog cause injury, death or damage to someone’s property, we’ll cover the legal costs up to your set cover limit. (Dog Insurance only).

Classic only

  • Accidental damage — Should your dog cause minor damage to someone’s property, our Classic Pet Insurance policy will help cover the cost of repairs or replacement. (Dog Insurance only).
  • Theft/straying — In the unfortunate event your pet is stolen or goes missing, we’ll provide cover for any advertising or reward costs for their safe return.
  • Death by accident or illness — If your pet sadly passes away or needs to be put to sleep following an accident or illness, we’ll cover the price you paid for them.
  • Travelling abroad — If you need to cancel or delay a holiday because your pet has a life-threatening illness or injury, we’ll contribute towards additional costs. You’ll also be covered for the cost of treatments should your pet fall ill or be injured when travelling within the EU.

With Swinton Pet Insurance, you can also:

  • Access and view your policy 24/7 with our online hub
  • Speak to a Pet Insurance specialist via live chat or our UK-based call centre

What types of pets can I insure?

Swinton Pet Insurance products provide cover for cats and dogs. You can obtain cover for your dog or cat provided they are at least eight weeks old. New customers can insure dogs up to 10 years old and cats up to 12 years old.

Pets we unfortunately can’t insure

Horses, rabbits and other pets cannot be insured by Swinton Pet. Cats and dogs with pre-existing medical conditions can be covered for future accidents and injuries, but not for any medical conditions they currently have. Swinton Pet Insurance customers must also be UK residents.

    What is the Swinton vet line?

    Our four-legged friends can’t tell us when they’re not feeling well, so it can be worrying if you start to notice changes in your pet’s behaviour or they don’t seem like themselves. As a Swinton Pet customer, you’ll have access to our 24/7 vet line so you can chat to a trusted veterinary expert and ease any worries you may have.

    With our team of friendly RCVS (Royal College of Veterinary Surgeons) vets and vet nurses, you can receive the help you need to answer your questions and concerns day and night. Whether you need medical advice or simply have questions about your pet’s wellbeing, we can provide qualified advice when you need it most.

    The Swinton vet line can assist you with:

    • Pet health triage and advice, including whether you should take your pet to your vet
    • Behavioural triage and advice
    • Nutritional advice
    • Bereavement
    • Diagnosis (where appropriate)

    You can call the Swinton vet line as many times as you need to, and our lines are open 24-hours a day, 365 days a year. To get in touch, all you need to do is:

    1. Call the Swinton vet line on 0333 332 4473
    2. Have your policy number ready to provide — you can find this on your policy schedule
    3. Describe your concerns or pet’s symptoms, or ask any questions about your pet’s health
    4. A qualified veterinary nurse or vet will provide the advice you need

    In an emergency, you should always contact your vet immediately.

    Get a Pet Insurance quote online

    Fetch a quote now

     

    Join our Swinton Pet Club

    Want to meet like-minded pet owners and share tips and tricks on all things cats and dogs? Why not join the Swinton Pet Club? As a follower, you’ll have access to exclusive competitions, giveaways and pet goodies, as well as helpful hints and advice to ensure your pet stays healthy and happy. 

    Persian kitten ppc
     

    FAQs about Pet Insurance

    How much does Pet Insurance cost?

    Your Pet Insurance costs will vary depending on which product and level of cover you choose, as well as factors such as where you live and the age of your pet. While you can expect to pay more for a higher level of cover, you’ll be better protected should your pet need extensive treatment.

    Do I need Pet Insurance?

    There is no legal requirement to buy Pet Insurance. However, in the unfortunate event your pet becomes ill or is involved in an accident, vet bills can be expensive for those who don’t have a policy in place as a safety net.

    If potential vet fees are a concern for you, then Pet Insurance could be a good solution. This list of common illness treatment costs will help you to decide on the vet fee limit that’s right for your pet. In the table below, the average cost and the 10% most expensive cost have been included to demonstrate variance in pricing.

    Costs can vary from practice to practice as well as by breed, age and size of pet. This can affect the amount you may need to claim for any particular illness or condition. 

    The information shows some of the common symptoms that pet owners claim for which could develop into long term illnesses with ongoing costs.   

    Source: all treatment costs paid for claims against policies underwritten by Cranbrook Underwriting Limited between Jan 2015 and June 2021 and adjusted for inflation.

    Short Term Illness

    Average for Cats

    Avg. 10% Most Expensive for Cats

    Average for Dogs

    Avg. 10% Most Expensive for Dogs

    Gastro-enteritis

    £394

    £826

    £622

    £1,585

    Vomiting

    £689

    £2,550

    £603

    £2,585

    Weight loss

    £481

    £721

    £1,844

    £3,944

    Respiratory condition

    £383

    £1,748

    £431

    £806

    Loss of appetite

    £168

    £291

    £490

    £661

    Lethargy

    £1,504

    £3,711

    £428

    £1,838

    Lump

    £614

    £1,042

    £686

    £3,221

    Diarrhoea

    £464

    £1,499

    £479

    £1,744

     

    Ongoing Treatment

    Average for Cats

    Avg. 10% Most Expensive for Cats

    Average for Dogs

    Avg. 10% Most Expensive for Dogs

    Lameness

    £335

    £1,066

    £690

    £2,825

    Skin allergy

    £600

    £1,393

    £680

    £2,645

    Cruciate rupture

    £844

    £1,697

    £2,587

    £4,566

    Cruciate disease

    £1,317

    £2,711

    £2,509

    £4,516

    Tumour

    £1,293

    £1,392

    £970

    £4,539

    Arthritis/DJD

    £525

    £1,402

    £405

    £1,119

     

    Accident

    Average for Cats

    Avg. 10% Most Expensive for Cats

    Average for Dogs

    Avg. 10% Most Expensive for Dogs

    Accidents

    £1,295

    £5,852

    £1,304

    £5,509

    Will I need to pay myself or do you pay the vet directly?

    In most cases, we’ll pay the vet directly. However, if you’ve already settled the invoice yourself, we’ll pay you instead.

    How much excess do I need to pay?

    The amount of excess you need to pay for vet fees depends on the age and breed of your pet. For dogs under 5 years old or cats under 7 years old, this is a fixed excess of £99 or £139 depending on the breed. 

    If your dog is aged 5 years or older, or your cat is aged 7 years or older you will need to pay 20% of the vet fees for a claim, after the standard excess has been paid. This is sometimes called a co-payment or percentage excess.

    What can cause Pet Insurance premiums to increase in the future?

    Pet owners will likely see their Pet Insurance premiums increase over time due to a number of reasons. Common causes include:

    • Pets getting older

    • Vet treatments becoming more complex and, therefore, more expensive

    • Your claims history for your pet or the removal of an introductory discount after a time period with your provider has expired.

    Vet fees can also vary massively depending on the cost of living in your area. You may find that increased Pet Insurance premiums are a result of increased vet fees in your area.

    Other useful guides below