Initial Care Pet Insurance
Getting your pet back on track
Just what I need.
Designed by vets, loved by pets
Our Initial Care policy covers care for 42 days from the date of your pet’s injury, illness or first vet appointment – whichever comes first – or until you reach your cover limit, if sooner. It’s a time-limited policy – chronic or ongoing conditions are not covered beyond the initial 42-day treatment period. Most ailments or injuries can be dealt with in that time-frame, but you’ll need to pay for any treatment after 42 days yourself.
Terms and conditions apply.
Why only 42 days?
Well, it might seem like a strange number, but as a team of animal loving vets we know first-hand that most ailments and injuries can be dealt with in that time-frame. Because of this, we don’t think you should have to pay a higher premium for longer-term care if it’s not required.
It’s just one of the ways we can help protect your pet, and your pocket.
Choose your cover level
We offer two policies for dogs and cats, built around the vet bills that matter most:
- Critical Care – emergency surgery and hospitalisation when your pet’s life is at risk, including orthopaedic and spinal surgery, from admission to discharge. No excess to pay.
- Initial Care – vet treatment for illness and injury for up to 42 days per condition.
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.
Both policies also include free 24/7 video vet advice with VidiVet and emergency cover in EU countries for up to 30 days per trip (60 days a year).
Terms and conditions apply.
£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 | Initial Care | |
|---|---|---|
Cover limits | ||
Vet fees – limit per condition | £3,000, £6,000 or £9,000 | £3,000, £6,000 or £9,000 |
Maximum age at policy start | ||
Dogs | Up to and including 12 years | Up to and including 8 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 | 42 days from injury, illness or first vet visit (whichever is first) |
What you pay towards a claim | ||
Excess | None | £100 per condition |
Waiting periods | ||
Accident and injury | 48 hours | 48 hours |
Extras | ||
24/7 video vet conversations (VidiVet) | ✓ Included | ✓ Included |
Not covered | ||
Third party liability (dogs) | ✗ Not covered | ✗ Not covered |
Please read the Insurance Product Information Document and policy wording for full terms, conditions and exclusions.
Why choose Heckin Good?
- Unlimited 24/7 video vet conversations with VidiVet, at no extra cost.
- Built to get your pet back to health quickly.
- Cover for those crucial times.
- No hidden extras or charges for services you may not need.
- Multi-pet policy – insure up to 5 pets on one policy.
- Digital, low-fuss claims handling.
With an expert understanding of the pet industry, we’ve created insurance policies centred around essential pet care, providing the best care at the right time.
Initial Care questions, answered
Quick answers to what pet parents ask us most. See all FAQs