Dog Insurance

Pet insurance for your canine companion

Just what I need.

Designed by vets, loved by pets

We love the playful nature of dogs but know that sometimes they can get into a bit of a pickle. We’re here to protect your pet and pocket – that’s why our policies have been designed around the bigger, unexpected vet bills for your four-legged friend.

Choose from two unique dog insurance policies:

Critical Care

Our Critical Care policy is designed to kick in for the ‘big ticket’ pet care costs – only when your pet needs to be admitted to the clinic for emergency surgery or hospitalisation because their life is at risk – including orthopaedic and spinal surgery. There is no excess to pay, and cover for that condition ends when your pet is discharged back to your care. It does not cover outpatient treatment or procedures that could safely be delayed. Pre-existing conditions aren’t covered.

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Initial Care

Our Initial Care policy covers each new condition for up to 42 days. For an accident or injury, that’s from the day it happened. For an illness, it’s from the day your pet first showed signs of being unwell – even if they didn’t see a vet until later. Cover also stops if you reach your cover limit sooner. It’s a time-limited policy – chronic or ongoing conditions are not covered beyond the initial 42-day treatment period, and pre-existing conditions aren’t covered. It’s designed for new injuries and the initial investigation and treatment of a new illness.

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Choose your cover level

Both policies come with a choice of three cover levels. Each has a limit per condition and an overall limit for all claims in the policy year.

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£3,000

per condition

£10,000

total claims per year

£6,000

per condition

£20,000

total claims per year

£9,000

per condition

£30,000

total claims per year

Compare our policies

	Critical Care Get a quote	Initial Care Get a quote
COVER LIMITS
Vet fees – limit per condition Vet fees – total limit per policy year	£3,000, £6,000 or £9,000 £10,000, £20,000 or £30,000	£3,000, £6,000 or £9,000 £10,000, £20,000 or £30,000
MAXIMUM AGE AT POLICY START
Dogs Cats	Up to and including 12 years Up to and including 14 years	Up to and including 8 years Up to and including 10 years
HOW THE COVER WORKS
Type of cover	Emergency surgery and hospitalisation when your pet’s life is at risk	Accident and illness – 42-day time-limited cover
Treatment period	Until your vet discharges your pet	Up to 42 days from the day of the accident, or from the first signs of illness
WHAT YOU PAY TOWARDS A CLAIM
Excess Co-insurance (pets aged 6 or over)	None None	£100 per condition 15% of each claim, after the excess
WAITING PERIODS
Accident and injury Illness Cruciate ligament	48 hours 30 days ✗ Not covered	48 hours 14 days 30 days
EXTRAS
24/7 video vet conversations (VidiVet) Travel in EU (Pet Travel Scheme) countries	✓ Included Up to 30 days per trip, 60 days per year	✓ Included Up to 30 days per trip, 60 days per year
NOT COVERED
Pre-existing conditions Third party liability (dogs)	✗ Not covered ✗ Not covered	✗ Not covered ✗ Not covered

Please read the Insurance Product Information Document and policy wording for full terms, conditions and exclusions.

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VidiVet — 24/7 video vet conversations

As a Heckin Good policyholder, you get unlimited access to VidiVet’s video vet service. Speak to an experienced vet by sending text, photos or video of your pet, any time of day or night, at no extra cost.

It’s completely free, and with no strings attached – all you need to do is register!

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