Virgin Pet Insurance - Straightforward cover from a name you know and trust

We offer three levels of cover – so there’s bound to be one to suit your pet and your pocket.

Accidental injury
This is designed to help with one-off, unexpected costs if your pet is involved in an accident - whether it's a bad landing from a tree or a scrape with a passing motor, this low-cost cover will come to the rescue.

We'll pay up to £1,500 towards vet's fees for each injury caused by an accident, for up to 12 months. And there's no limit on the number of conditions you can claim for.

Accident and illness
This has limits on both the length of time and the amount we'll pay out for a claim, to help keep premiums affordable.

It covers accidents that might happen to your pet, as well as the costs of them being ill. We'll pay up to £3,000 for each condition for up to 12 months. There's no limit on the number of conditions you can claim for.

Accident and illness extra
If you're the sort of person who wants maximum peace of mind at a competitive price, this is the one for you. It offers the most comprehensive cover, paying vet fees for accidents and illness up to £6,000 for each condition – no matter how long the treatment goes on for providing the cover remains in force. And of course there's no limit on the number of conditions you can claim for.

Whatever level of vet fees cover you take out, you can choose from a number of optional benefit bundles, that include extra cover for accidental death, theft and straying, kennel or cattery costs if you go into hospital, and the expense of cancelling or cutting short your holiday because your pet has an accident. It also includes liability cover for dogs - so if your pooch knocks down a neighbour's fence or takes a nip out of the seat of their pants, you're covered.

If you take your pet on hols with you, you can add 'overseas travel cover'.

Check out the policy document to find out more.

The following is not covered by Virgin Pet Insurance:

• Any existing condition your pet has.
• Any illness or disease in the first 14 days of cover.
• Routine flea treatment, neutering or vaccinations.
• Behavioral problems.
• Pregnancy.
• Prescription or dietary food
• Dental treatment (unless due to accidental injury).

Please also see the exclusions sections in the policy document.

Yes, and the good news is you'll get 15% off if you insure more than 1 pet with us.

Not at the moment. Our pet insurance offers cover for dogs and cats only.

Yes. Your pet needs to be between eight weeks and eleven years old when cover starts (some dog breeds up to 6 years old).

Once you've taken out Virgin Pet Insurance, you can keep insuring your pet with us to any age.

For pets aged 7 years or older, you will need to contribute 20% of the cost of the treatment for each claim made (this is known as co-insurance). This is in addition to any standard or voluntary excess that is part of your policy.

Sorry, we can’t cover any conditions or symptoms your pet suffered from before you took out the cover.

If you didn’t know your pet had a hereditary or congenital condition when you took out your insurance, and symptoms don’t start in the first 14 days of cover, our Accident and illness or Accident and illness extra policies would cover this.

But if you know your pet already had this condition, or if symptoms begin in the first 14 days of cover, or you have our Accidental injury policy, these conditions wouldn’t be covered.

Yes, if you have included the additional benefit section of cover, you can claim for up to £500 if your pet goes missing or is stolen. This includes reward money of up to £50 plus advertising costs.

Yes, you can add 'overseas travel cover' to your policy. This extends your cover while travelling abroad with your pet to countries covered by the government's Pet Travel Scheme.

Overseas travel cover insures you against:

• Emergency expenses abroad
• Quarantine costs
• Replacing a lost pet passport
• Repeat tick and worming treatment
• And the cost of laying your pet to rest if the worst happens while you're both out of the country

There are some restrictions, and you'll have to make sure your pet is microchipped before your trip. Please read our policy document to find out more.

The excess is the part of the claim you pay.

Virgin Pet Insurance has a standard excess of £70 for cats and £80 for dogs for each injury or condition.

And if you have a dog, there’s an excess of £250 on liability claims.

If you prefer, you can choose to increase your excess to get a lower premium. This is known as 'voluntary excess' and is paid for each separate injury or condition.

For pets aged 7 years and older, a vet fee co-insurance amount is also payable in addition to your excess amount.

For pets aged 7 years or older, you will need to contribute 20% of the cost of the treatment for each claim made (this is known as co-insurance). This is in addition to any standard or voluntary excess that is part of your policy.

You will be able to find out more about this in the 'Veterinary fees' section of the policy document.

We don’t want you to worry about breaking your 'no claims' history because your pet needs some treatment, which is why our pet insurance doesn’t offer a ‘no claims’ discount.

Yes, we'll give you 15% off if you insure more than one pet with us.

Absolutely. If you’ve already got one of our other insurances, let us know and we’ll give you an instant 10% off your pet premium.

Get in touch with us if you need to make a claim so we can send you a claim form. To ensure the best claims service wherever possible always phone us before any costs for which you may wish to claim arise.

Don’t forget to keep hold of all your receipts and make copies before attaching them to your completed form and returning it to us in the post.

If you want to make sure your pet is covered before starting any treatment, just give us a call.

To make a claim, call 0845 605 3588*
Lines are open 9am - 5pm Monday - Friday.

Please have your Virgin Pet Insurance policy number ready. (You can find this on the top of your policy schedule.)

*Calls may be recorded.

You need to have added 'overseas travel cover' to your policy in order to claim when you're abroad with your pet.

Just proceed with the incident as you would if you were at home - the first priority is to get your pet looked after.

Remember to keep any receipts, invoices or other evidence linked to your claim. (Don’t worry if they’re not written in English - we can translate them for you as part of the service.)

You don’t need to let us know about your claim until you get back home.

No, just call us with the details as soon as your pet starts treatment and we’ll start your claim.

We can settle any initial costs, and then make more payments later as more treatment is needed. (Remember, there is a maximum amount for each claim though.)

If you and your pet are away from home, you’ve just moved to a new area, or for some reason your usual vet is unable to help, call our advice line any time of the day or night and we can give you details of vets throughout the UK.

Keep this number somewhere safe because you never know when you might need to call a vet: 0870 024 0663*.

*Calls may be recorded. Maximum call charge from a BT landline is 7.91p per minute. Calls from other networks may vary.

Our legal professionals are on hand to explain complex issues in a helpful, straightforward way, and offer you legal advice on anything to do with pet ownership.

Call the helpline anytime on 0870 024 0663*.

*Calls may be recorded. Maximum call charge from a BT landline is 7.91p per minute. Calls from other networks may vary.

Losing a pet is never easy. They can be a big part of your life. Sometimes it’s difficult to know who to talk to about it, which is why this helpline is there for you.

Staffed by professionals, you can call any time of the day or night for counselling, advice and support. The number is 0870 024 0663*.

*Calls may be recorded. Maximum call charge from a BT landline is 7.91p per minute. Calls from other networks may vary.

Your policy is a rolling monthly policy that will continue unless you advise us otherwise. You'll receive a renewal notice 3 to 4 weeks before your renewal date. Your policy will be renewed automatically so all you need to do is check the information on the renewal notice is correct.

If you don't want your pet insurance policy to continue, please call us on 0870 010 9125*.

*Calls may be recorded. Maximum call charge from a BT landline is 7.91p per minute. Calls from other networks may vary.

Just like car and home insurance premiums, Virgin Pet Insurance is based on our overall claims expenses and any additional administration costs.

We’ll automatically send you details of your renewal premium shortly before your renewal date.

Before you take out your cover, please make sure you read the policy wording to check you’re happy with everything.

After you’ve taken out cover, you’ll have 14 days to change your mind. You can cancel and get a full refund as long as you haven’t already made a claim.

Please note, during this time there is no cover for illness or disease that develops, though accidental injury is covered from the start of all our policies.