We have three levels of cover.
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.
There are also a number of optional additional benefits you may have chosen to take with your cover. 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 may also have added 'overseas travel cover'.
Check out the policy document to find out more.
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.
- 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.
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.
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.
Yes, if you included the additional benefits cover on your policy, 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.
Yes, if you included the ‘overseas travel cover’ on 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.