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Questions and answers

What we cover

What does Virgin Money Pet Insurance cover?

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 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.

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

Accident and illness

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 from the first date of treatment. There's no limit on the number of conditions you can claim for.

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

Accident and illness extra

If you're the sort of person who wants maximum peace of mind, 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.

Please note that for all our policies, cover for ongoing claims is subject to the policy remaining in force.

Within the overall vet fee limit on all policies there are maximum fee levels that apply to some treatments. Please read the Policy Wording for further details.

Whichever product you choose, there are a number of optional additional benefits. One option provides cover for accidental death, theft and straying, advertising and reward, kennel or cattery costs if you go into hospital, and the expense of cancelling or cutting short your holiday because your pet needs life saving treatment. We also offer Third party liability cover for dogs if your dog causes damage to property or injures someone.

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

Check out the policy document to find out more.

What isn’t covered?

The following is not covered by Virgin Money Pet Insurance:

  • Any existing condition your pet has.
  • Any illness or disease arising in the first 14 days of cover or a pet being added to a policy.
  • Routine flea treatment, neutering or vaccinations.
  • Behavioural problems.
  • Pregnancy.
  • Food of any kind.
  • Dental treatment (unless due to accidental injury).

Please note that this list is not exhaustive - see the exclusions sections in the policy document.

Are there any age limits for Virgin Money Pet Insurance?

Yes. When taking out a new business policy your pet needs to be between eight weeks and up to 11 years old when cover starts (some dog breeds up to six years old).

For pets aged seven 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.

Am I covered for problems my pet has suffered in the past?

Sorry, we can’t cover any conditions or signs or symptoms of injury, illness or disease that your pet suffered from before you took out the cover or any claims that are connected with any condition your pet suffered from before cover started.

Do you cover hereditary or congenital conditions?

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

Am I insured if my pet goes missing?

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

Can I cover my pet for travel abroad?

Yes, you can add 'overseas travel cover' to your policy. This extends your cover while traveling 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 and you are abiding by the rules of the governments Pet Travel Scheme before your trip. Please read our policy document to find out more.


What's the excess on my pet insurance?

The excess is the part of the claim you pay.

Virgin Money Pet Insurance has a standard excess of £80 for cats and £95 for dogs for each injury or condition.

And if you have a dog, there’s an excess of £250 on Third party 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 seven years and older, a vet fee co-insurance amount is also payable in addition to your excess amount.

What happens if my pet is aged seven years or older?

For pets aged seven 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.


Making a claim

How do I make a claim?

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

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.

Whenever you need to take your pet to the vet remember to give us a call before going or as soon after the initial treatment as possible.

To make a claim, call 0345 603 3588
Lines are open 9am - 5pm Monday - Friday.

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

What if I need to make a claim when I'm on holiday?

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.

For ongoing treatment, do I need to wait until the treatment has finished before I can make a claim?

No, please call us before you go to your vet and if this is not possible then as soon as you can after the initial treatment has taken place. We will then send you a claim form.

So long as the claim is eligible under the terms and conditions of the policy, 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).

Pet helplines

How does the 'Find a vet' helpline work?

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 to find a vet: 0370 024 0663.

What is the 'Legal advice' helpline?

Our legal professionals are on hand to explain complex issues in a helpful, straightforward way, and offer you legal advice on anything whether or not it relates to your pet.

Call the helpline anytime on 0370 024 0663.

What is the 'Pet bereavement counselling' helpline?

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 0370 024 0663.

Renewing or cancelling your policy

How can I renew my pet insurance?

Your policy is a rolling monthly policy that will continue unless advised otherwise. You'll receive an anniversary notice 3 to 4 weeks before your anniversary date. Your policy will be renewed automatically so all you need to do is check that the information within the anniversary documents is correct and that the policy still suits your needs.

You must take care to provide us with accurate information which is correct to the best of your knowledge. Once you have checked the details on the anniversary documents, if you think there is a mistake or you need to make changes, you should notify us immediately.

Failure to provide correct information or inform us of any changes could adversely affect your policy, including invalidating your policy and causing claims to be rejected or not fully paid.

If you don't want your pet insurance policy to continue, please call us on 0345 603 3585.

Will my premiums stay the same each year?

We take into account a number of factors when we are rating our pet insurance premiums so that each customer is rated according to their individual circumstances and risk.

Some of the factors that influence our pet insurance premiums are:

  • the breed of your pet because some breeds are more susceptible to certain medical conditions i.e. some large breeds are more prone to bone and joint problems;
  • the age of the pet, as just like people, older animals are more likely to suffer from certain medical problems such as heart, kidney disease and arthritis;
  • the area you live in, as this can influence vet fees which are the main reason people claim on their pet insurance and therefore have an effect on pet insurance premiums.

We'll automatically send you details of your revised premium shortly before your anniversary date.

I no longer need cover, how do I cancel my policy?

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.

If you wish to cancel your policy outside of this 14 day period you will need to call us on 0345 603 3585. Please note that if you cancel your policy there will be no cover for any new or ongoing claims after the date your policy is cancelled.

Virgin Money Pet Insurance is underwritten by U K Insurance Limited.

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Virgin Money Pet Insurance is underwritten by U K Insurance Limited

Call for a quote on

0800 051 0477
We're here from 8am to 9pm Monday to Friday, 9am to 5pm Saturday and 10am to 5pm Sunday.