Pet Insurance

Affordable cover for your dog or cat

Vet fee cover up to £7,000 per policy year^
10% discount when you apply online^^
Emergency boarding fees if you are hospitalised for more than 48 hours and cannot care for your pet
Premiums paid for up to six months if you are unable to work as a result of an accidental injury, illness or involuntary unemployment from a full time position.
Up to 90 days cover when you are abroad for countries included within the PETS Travel Scheme
24 hour veterinary helpline providing help and advice night and day.
Local advertising and reward up to £1,000 should your pet be lost or stolen
Holiday cancellation of up to £3,000 should your pet be taken ill prior to your departure or if you have to come home early.
Third party liability of £2,000,000 should your pet cause injury to another person (dog only).

Pre-existing illness or injury or anything first occurring or showing symptoms within 14 days of the policy start date will not be covered.

Terms, conditions and exclusions apply. Please see policy documents for further details. Read our FAQs to find out more.

Maximum limits of cover for Post Office Pet Insurance

Product	Essential	Standard	Premium	Premium Plus
Cover	Time LImited	Per Condition	Lifetime	Lifetime
Vets fees	Up to £1,500	Up to £2,000	Up to £3,000 *	Up to £7,000
Death from accident **	Dogs – up to £500	Dogs – up to £500	Dogs – up to £500	Up to £1,500
Death from accident **	Cats – up to £250	Cats – up to £250	Cats – up to £250	Up to £1,500
Death from illness **	Dogs – up to £500	Dogs – up to £500	N/A	N/A
Death from illness **	Cats – up to £250	Cats – up to £250	N/A	N/A
Advertising & reward	Dogs – up to £500	Dogs – up to £500	Dogs – up to £500	Up to £1,000
Advertising & reward	Cats – up to £250	Cats – up to £250	Cats – up to £250	Up to £1,000
Theft or straying **	Dogs – up to £500	Dogs – up to £500	Dogs – up to £500	Up to £1,500
Theft or straying **	Cats – up to £250	Cats – up to £250	Cats – up to £250	Up to £1,500
Third party liability (dogs only)	Up to £2,000,000	Up to £2,000,000	Up to £2,000,000	Up to £2,000,000
Boarding fees due to customer’s hospitalisation	Dogs – up to £500	Dogs – up to £500	Dogs – up to £500	Up to £1,000
Boarding fees due to customer’s hospitalisation	Cats – up to £250	Cats – up to £250	Cats – up to £250	Up to £1,000
Holiday cancellation ***	Up to £500	Up to £500	Up to £500	Up to £3,000
Waiver of Premium	Up to 6 months	Up to 6 months	Up to 6 months	Up to 6 months
Overseas travel	Up to 90 days	Up to 90 days	Up to 90 days	Up to 90 days
Veterinary helpline	Yes	Yes	Yes	Yes

* Premium cover is subject to a maximum per condition, per year of £1,000
** Market value if receipt cannot be provided at time of loss
*** Cancellation within 7 days of the holiday commencing

Pets not covered

We don’t cover wolves, any wolf hybrid or any animal registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland) order 1991 or any subsequent amendments, and any of the following breeds or dogs crossed with these breeds:

American Bull Dog, Boerboel, Cane Corso, Dogo Argentino, Fila Brasilerio, Husky Wolf Hybrid, Japanese Tosa, Pit Bull Terrier, Pit Bull Crosses, American Staffordshire Terrier, Irish Staffordshire Terrier, Irish Blue Staffordshire Terrier. These are breeds we specifically do not cover because they are considered dangerous.

Travelling with your pet

Pets should be taken for regular annual check ups (or as otherwise recommended by their vet) and vaccinated with licensed products as recommended by the vet. If you are planning to travel under PETS scheme you must comply with this.

Maximum limits of cover for Post Office Money Pet Insurance

Product	Essential	Standard
Cover	Time LImited	Per Condition
Vets fees	Up to £1,500	Up to £2,000
Death from accident **	Dogs – up to £500	Dogs – up to £500
Death from accident **	Cats – up to £250	Cats – up to £250
Death from illness **	Dogs – up to £500	Dogs – up to £500
Death from illness **	Cats – up to £250	Cats – up to £250
Advertising & reward	Dogs – up to £500	Dogs – up to £500
Advertising & reward	Cats – up to £250	Cats – up to £250
Theft or straying **	Dogs – up to £500	Dogs – up to £500
Theft or straying **	Cats – up to £250	Cats – up to £250
Third party liability (dogs only)	Up to £1,000,000	Up to £1,000,000
Boarding fees due to customer’s hospitalisation	Dogs – up to £500	Dogs – up to £500
Boarding fees due to customer’s hospitalisation	Cats – up to £250	Cats – up to £250
Holiday cancellation ***	Up to £500	Up to £500
Waiver of Premium	Up to 6 months	Up to 6 months
Overseas travel	Up to 90 days	Up to 90 days
Veterinary helpline	Yes	Yes

Product	Premium	Premium Plus
Cover	Lifetime	Lifetime
Vets fees	Up to £3,000 *	U p to £7,000
Death from accident **	Dogs – up to£500	up to £1,500
Death from accident **	Cats – up to £250	up to £1,500
Death from illness **	N/A	N/A
Death from illness **	N/A	N/A
Advertising & reward	Dogs – up to £500	Up to £1,000
Advertising & reward	Cats – up to £250	Up to £1,000
Theft or straying **	Dogs – up to £500	Up to £1,500
Theft or straying **	Cats - up to £250	Up to £1,500
Third party liability (dogs only)	Up to £1,000,000	Up to £1,000,000
Boarding fees due to customer’s hospitalisation	Dogs –up to £500	Up to £1,000
Boarding fees due to customer’s hospitalisation	Cats – up to £250	Up to £1,000
Holiday cancellation ***	Up to £500	Up to £3,000
Waiver of Premium	Up to 6 months	Up to 6 months
Overseas travel	Up to 90 days	Up to 90 days
Veterinary helpline	Yes	Yes

*Premium cover is subject to a maximum per condition, per year of £1,000
** Market value if receipt cannot be provided at time of loss
*** Cancellation within 7 days of the holiday commencing

Pets not covered

Travelling with your pet

An excess is applicable to all vet fee claims. Your vet fee excess can change if your circumstances change. Also when your pet reaches a certain age it will change from a defined amount to a sum that will be the greater of the defined amount or a percentage contribution.

Once your pet suffers from a medical condition it can become very difficult to get another insurer to offer cover for that condition.

Small print

Post Office® Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance plc.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 110866. Pinnacle Insurance plc is registered in England and Wales. Registered number 1007798. Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Affordable cover for your dog or cat

Maximum limits of cover for Post Office Pet Insurance

Pets not covered

Travelling with your pet

Maximum limits of cover for Post Office Money Pet Insurance

Pets not covered

Travelling with your pet

Definitions

Ensure your cats and dogs are taken care of

Small print

Get pet insurance

Get the facts

Can we help?