Dog Insurance

Whether you have a puppy or an old-timer, keep your furry friend protected from illness and injury with Dog Insurance from Swinton.

Why do I need Dog Insurance?

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.  

 

Check other Pet Insurance options

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 more. Limits apply.
  • Choose your level of cover and tailor your insurance benefits to build a policy that suits your dog’s needs.
  • Get great benefits and connect with fellow pet lovers through the Swinton Pet Club on Facebook, Instagram and Twitter.
  • Insure your dog with one of the most trusted and well-established insurance brokers in the UK. Customers give us 4.5 out of 5 with Trustpilot.

What’s covered by 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. 

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 Dog Insurance Benefits

Just some of our pawsome benefits include:

Classic and Essentials

  • Vet fees — If your dog becomes unwell or suffers an injury, we’ll cover the vet treatment costs up to your chosen cover limit. This includes recommended complementary treatments such as hydrotherapy, physiotherapy and osteopathy.
  • 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
  • Emergency boarding — If you or anyone normally living with you needs to be admitted to hospital unexpectedly for three or more consecutive days, Dog Insurance covers the cost of licenced boarding, kennels or pet-sitting up to your chosen cover limit.

Classic only

  • Accidental damage — Should your dog cause minor damage to someone’s property, our Classic Dog Insurance policy will help cover the cost of repairs or replacement.
  • Theft/straying — In the unfortunate event your dog is stolen or goes missing, we’ll provide cover for any advertising and/or reward costs for their safe return.
  • Death by accident or illness — If your dog 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 dog 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 traveling within the EU.

With Swinton Dog Insurance, you can also:

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

What types of policies are available from Swinton?

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.

What types of dogs can I insure?

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.

Puppies

Protect your pride and joy with puppy insurance. Swinton insures puppies from eight weeks old.

Puppy Care guide

Older dogs

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.

Pedigrees

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:

  • Border Collie
  • Cocker Spaniel
  • Dachshund
  • German Shepherd (Alsatian)
  • English Springer Spaniel
  • Beagle
  • Husky
  • Jack Russell
  • English / French Bulldog

Please note that the restrictions on your policy may vary depending on your dog’s breed.

     

    Why choose Swinton for your Dog Insurance?

    • Speak to veterinary professionals for free with the Swinton vet line
    • Cover available for vet bills and more.
    • Choose your level of cover and tailor your insurance benefits to build a policy that’s right for your dog.

    What is the Swinton vet line?

    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:

    • 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 dog’s symptoms, or ask any questions about their 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 Dog Insurance quote online

    Fetch a quote

     

    Join our Swinton Pet Club

    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. 

    Swinton pet club
     

    FAQs about Dog insurance:

    How much does Dog Insurance cost?

    The cost of your Dog Insurance will depend on several factors, including:

    • Age - Older dogs can be more expensive to insure as they tend to need more medical care. If your dog is over a certain age, you will find that there are more restrictions on your policy. Similarly, if your dog has a pre-existing medical condition, expenses related to this will not be covered on your insurance.
    • Breed - Sadly, many dogs have ailments that are specific to their breed as a result of inbreeding. For example, dogs with flatter faces like Pugs or Bulldogs tend to have breathing difficulties, and Alsatians may suffer from hip problems. If your breed of dog is unfortunately associated with any health problems like this, it may be more expensive to insure. Similarly, pedigree dogs are more expensive to insure for this reason.
    • Your location - Living costs vary across the country, and so do vet bills. As a result, you might get more expensive vet bills in larger cities. This is accounted for in the price of your premium.

    Is microchipping covered by Dog Insurance?

    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.

    What isn’t covered by Swinton Dog Insurance?

    • Pre-existing conditions — this includes anything your pet has, has had symptoms of, has had medication for or advice from a vet about
    • Everyday checkups and treatments — for example, vaccinations, flea treatments, grooming and nail care, neutering or blood and urine tests
    • Dental treatments — if they could have been prevented through regular checkups
    • Any treatments not prescribed by a vet
    • Costs associated with pregnancy or giving birth

    What vet fees are covered?

    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.

    How much excess do I need to pay?

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

    If your dog is aged five 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.

    Will my insurance cover dental care?

    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.

    What are the most common dog health problems?

    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

    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.

    Will my dog be insured if I take it abroad?

    With Swinton Classic Pet Insurance, your dog will be covered if you take it abroad. Included is:

    • Vet fees abroad
    • Holiday delay or cancellation
    • Maximum trip length per year (varies depending on the cover you’ve chosen — check your policy)
    • Cost of emergency accommodation for up to 14 days (check your policy)

    However, the policy does not cover: 

    • Accommodation and expenses for more than one person
    • The treatment of illnesses which were known of before travelling
    • Travel outside of the EU

    Please note that travel cover is not included in our Essentials policy.

    Can I get insurance which covers my dog’s pre-existing medical conditions?

    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.

    How do I make a claim?

    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.

    Useful guides