Rated 4.3 out of 5 stars based on 28,915 reviews
of all products as of December 2023
Dog insurance from as little as £154 - Get a quote today10% of new customers paid £154 for Dog Lifetime cover, between 1st August 2023 and 30th November 2023. Premiums are based on individual circumstances.
Whether you have a puppy or an old-timer, keep your furry friend protected from illness and injury with Dog Insurance from Swinton.
From Akitas to Yorkshire Terriers, your dog’s loveable personality makes them part of the family, whatever the breed. Make sure yours is protected with Dog Insurance.
Here at Swinton, we know that no two dogs are the same – each have their own loveable personality and different needs. At Swinton, we offer two lifetime pet insurance products – Essentials and Classic – so you can decide which suits your furry friend the best.
For whichever product you decide is the best fit for your pooch, you can choose from three levels of cover — £2,000, £4,000 or £7,000.
|
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 (dogs only) |
£1m | £1m | |
|
Accidental damage (dogs only) |
- | £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. |
|||
|
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 (dogs only) |
£1m | £1m | |
|
Accidental damage (dogs only) |
- | £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. |
|||
|
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 (dogs only) |
£1m | £1m | |
|
Accidental damage (dogs only) |
- | £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. |
|||
Essentials
Policy Wording (PDF - 397KB)
Classic
Policy Wording (PDF - 426KB)
Just some of our pawsome benefits include:
With Swinton Dog Insurance, you can also:
All of the Pet Insurance products available through Swinton are Lifetime policies. This means that your Insurance will cover injury and illness for your dog’s lifetime.
You need to renew your policy with no insurance gaps to ensure continuing cover. Please note that when you renew your policy, your cover limit resets to fund any new and ongoing claims.
Most dog breeds can be insured with Swinton Dog Insurance. While puppies can be insured from eight weeks old, the upper age limit for dogs is 10 years old.
Protect your pride and joy with puppy insurance. Swinton insures puppies from eight weeks old.
Dogs over the age of ten years old cannot be insured with Swinton if you’re a new customer.
This is because as dogs get older, they are more susceptible to injury and illness.
You can cover your dog into old age by insuring them on a lifetime policy before they turn ten.
Most pedigree dogs are covered by Dog Insurance. However, you can expect your premiums to be higher if you have a pedigree. This is because pedigree dogs can be more at risk of theft or hereditary disease.
Popular dog breeds that we insure are:
Please note that the restrictions on your policy may vary depending on your dog’s breed.
Man’s best friend can’t tell us when they’re not feeling well, so it can be worrying if you start to notice changes in your dog’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, 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 the wellbeing of your dog, we can provide qualified advice when you need it most.
The Swinton vet line can assist you with:
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:
In an emergency, you should always contact your vet immediately.
Want to meet like-minded dog owners and share tips and tricks on all things canine? 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.
The cost of your Dog Insurance will depend on several factors, including:
No, Dog Insurance doesn’t usually cover microchipping — but be sure to double check in your policy before you book an appointment, just in case. While we do cover non-chipped pets, Swinton Dog Insurance does not cover the cost of microchipping your dog.
Sometimes, microchipping is a requirement for Dog Insurance. In this case, not having this done could invalidate your policy.
Microchipping is now a legal requirement for all dogs in the UK. Under the new microchipping law that came into effect in April 2016, all puppies must be microchipped and registered by the time they’re eight weeks old.
If your pet falls ill or is injured and needs treatment by a vet, this will be covered in your Dog Insurance policy (exclusions apply — check your policy wording for details).
Your dog will also be covered for complementary treatments including physiotherapy, osteopathy, hydrotherapy and behavioural problems caused by injury or illness.
The excess or co-payment you will be required to pay following a claim for treatment is based on the age of your pet:
Fixed Excess: This is the amount you must pay for each separate injury or illness in each policy year when you make a claim for your pet. Your Swinton policy will cover the remaining cost of the claim or any other eligible claims for the same condition within that year, up to the benefit limit. If your pet receives treatment for the same injury or illness in separate policy years, then we will apply the excess to the first claim in each policy year.
Co-Payment fee: This is the portion of the vet fees that you are responsible for paying, in the event of a claim, once any fixed excess has been deducted for dogs aged 5 years or over. Co-payment is commonly used in the pet insurance industry, and it helps us to reduce the cost of your pet insurance premium.
You’ll find information about the fixed excess and co-payment fee that is applicable for your pet each policy year in your schedule of insurance. These amounts may change at renewal so it’s important to check your schedule should you need to make a claim.
Here’s an example of how it all works
Let's say you make a claim for £499 relating to treatment for your 6-year-old dog for a new condition, firstly the fixed excess is applied - for this example we’ll say it’s £99. Once this has been deducted the remaining amount of £400 would be subject to a co-payment fee due to the age of your dog. In this case, you would be responsible for paying 20% of that £400, which is £80, so your contribution for the treatment would be £179 in total (£99 fixed excess + £80 co-payment fee). The remaining costs of £320 would be covered by your policy, up to any benefit or individual treatment limits.
You then make another claim for £300 for further treatment related to the same condition in the same policy year. In this scenario there would be no fixed excess to pay as the claim is related to the same condition, so you would be responsible for paying the co-payment fee of 20% of the total amount of £300, which is £60. Subject to any benefit or individual treatment limits your policy would then cover the remaining costs of £240.
Yes, the insurance policy will cover your dog’s dental care if it’s the result of an accident or injury. However, it doesn’t cover dental treatment due to illness or routine preventative dental care. Cover limits apply.
Sadly, a lot of dogs suffer from health problems, some of which are hereditary or associated with particular breeds. Below are some of the most common your dog may experience and how much you could expect to pay in vet fees.
Source: all treatment costs paid for claims against policies underwritten by Cranbrook Underwriting Limited between Jan 2015 and Dec 2020 and adjusted for inflation.
|
Short Term Illness |
Average for Dogs |
Avg. 10% Most Expensive for Dogs |
|---|---|---|
|
Gastro-enteritis |
£622 |
£1,585 |
|
Vomiting |
£603 |
£2,585 |
|
Weight loss |
£1,844 |
£3,944 |
|
Respiratory condition |
£431 |
£806 |
|
Loss of appetite |
£490 |
£661 |
|
Lethargy |
£428 |
£1,838 |
|
Lump |
£686 |
£3,221 |
|
Diarrhoea |
£479 |
£1,744 |
|
Ongoing Treatment |
Average for Dogs |
Avg. 10% Most Expensive for Dogs |
|---|---|---|
|
Lameness |
£690 |
£2,825 |
|
Skin allergy |
£680 |
£2,645 |
|
Cruciate rupture |
£2,587 |
£4,566 |
|
Cruciate disease |
£2,509 |
£4,516 |
|
Tumour |
£970 |
£4,539 |
|
Arthritis/DJD |
£405 |
£1,119 |
In most cases, we’ll pay the vet directly. However, if you’ve already settled the invoice yourself, we’ll pay you instead.
With Swinton Classic Pet Insurance, your dog will be covered if you take it abroad. Included is:
However, the policy does not cover:
Please note that travel cover is not included in our Essentials policy.
Although many insurance companies will not cover pre-existing medical conditions within your policy, this won’t prevent your dog from being insured altogether. However, you should declare this condition so that your policy is not invalidated.
With Swinton Pet Insurance, dogs with pre-existing medical conditions can be covered for future accidents and injuries, but not for treatment of the pre-existing conditions themselves.
To make a claim on your insurance, please visit our claims page. Be sure to have your insurance documents to hand to reference your policy number and anything else you may need.
