Policy Benefits

What makes our insurance policies so great?

We are confident that our pet insurance policies offer simply stunning value simply because of the great benefits that we offer as standard at a low monthly premium PLUS a mouth-watering introductory discount!

Four levels of cover from Bronze to Platinum

Choosing the right insurance policy can be confusing, so we’ve made it simple yet comprehensive with four levels of cover.

  • Bronze: provides Accident Only, Non-Lifetime cover giving you 12 months cover from the date of the incident.
  • Silver and Gold: Non-Lifetime cover giving you 12 months cover from the date the symptoms first displayed. Silver provides cover as detailed below. Gold cover gives increased levels of benefits compared to Silver.
  • Platinum: Provides Lifetime cover meaning you are insured for ongoing or repeat treatment for life up to the policy limit as long as the policy is renewed and premium payments are up to date.

Better still, if you insure more than one pet on a multi-pet policy we will give you a further 10% off your premium and you can even mix and match the level of cover for different pets.

What sets Dove Pet Care policies apart from the rest?

  • Up to £4,000 Vet's Fees ^
  • £1.5million Public Liability for dogs included as standard †
  • Cover for death by accident or illness included as standard
  • ZERO excess except on vet's fees
  • A huge 20% introductory discount
  • Plus an extra 10% off when you take out a multi-pet policy

† Excludes Bronze cover.

^ £4000 applies to Gold and Platinum cover levels.

Vet's Fees

Our accident only Bronze cover is a fixed-term contract of insurance providing Vet’s Fees cover up to £3000 per policy term for treatment (including complementary treatment) incurred up to 365 days after the occurrence of an injury to the insured pet.

Vet's Fees

Our Silver cover is a fixed-term contract of insurance providing Vet’s Fees cover up to £2000 per policy term (£1000 limit per condition) for treatment (including complementary treatment) incurred up to 365 days after either the occurrence of an injury to the insured pet or from the date that the insured pet first displayed clinical signs of a disease/illness. No cover for illness/disease within the first 14 days of policy inception.

Death

If your pet dies during the period of insurance or is put down for humane reasons because of illness/disease or accident/injury that happened or started during this period of insurance. We pay the market value, the price paid or the amount shown in the schedule whichever is less. No cover for illness/disease within first 14 days of inception. For pets aged 8 years and over the benefit is reduced to death by accident or injury only.

Boarding Kennel Cattery Fees

If you are a registered in-patient in hospital for more than 3 days we can cover the cost of boarding your pet.

Holiday Cancellation

If you have to cancel or cut short your holiday because your cat or dog needs emergency life-saving surgery because of an accident or illness within 14 days before departure.

Loss by Theft or Straying

If the insured pet is not found within 28 days of straying or being stolen we pay the market value, the price paid or the amount shown in the schedule whichever is less.

Advertising and Reward

We pay up to 25% of your pet's sum insured value to cover the cost of advertising and paying a reward which leads to getting your pet back following theft or loss.

Accidental Damage

We insure you for accidental damage to personal property that is not owned by you, a member of your immediate family, a relative, employee, guest or other person who is responsible for or in control of your pet.

Public Liability

Legal liability to a third party, for the damages and costs arising from your ownership of the insured pet.

Personal Accident

We cover you as a result of lost income if you are bitten by your pet while you are caring for it and have to miss work as a result of the injury.

Vet's Fees

Our Gold cover is a fixed-term contract of insurance providing Vet’s Fees cover up to £4000 per policy term for treatment (including complementary treatment) incurred up to 365 days after either the occurrence of an injury to the insured pet or from the date that the insured pet first displayed clinical signs of a disease/illness. No cover for illness/disease within the first 14 days of policy inception.

Death

If your pet dies during the period of insurance or is put down for humane reasons because of illness/disease or accident/injury that happened or started during this period of insurance. We pay the market value, the price paid or the amount shown in the schedule whichever is less. No cover for illness/disease within first 14 days of inception. For pets aged 8 years and over the benefit is reduced to death by accident or injury only.

Boarding Kennel Cattery Fees

If you are a registered in-patient in hospital for more than 3 days we can cover the cost of boarding your pet.

Holiday Cancellation

If you have to cancel or cut short your holiday because your cat or dog needs emergency life-saving surgery because of an accident or illness within 14 days before departure.

Loss by Theft or Straying

If the insured pet is not found within 28 days of straying or being stolen we pay the market value, the price paid or the amount shown in the schedule whichever is less.

Advertising and Reward

We pay up to 25% of your pet's sum insured value to cover the cost of advertising and paying a reward which leads to getting your pet back following theft or loss.

Accidental Damage

We insure you for accidental damage to personal property that is not owned by you, a member of your immediate family, a relative, employee, guest or other person who is responsible for or in control of your pet.

Public Liability

Legal liability to a third party, for the damages and costs arising from your ownership of the insured pet.

Personal Accident

We cover you as a result of lost income if you are bitten by your pet while you are caring for it and have to miss work as a result of the injury.

Vet's Fees

Our Platinum cover is a fixed-term contract of insurance providing Lifetime Vet’s Fees cover up to £4000 per policy term for ongoing treatment (including complementary treatment) incurred for the life of the insured pet as long as the policy is renewed each year and the premiums are kept up to date. No cover for illness/disease within the first 14 days of policy inception.

Death

If your pet dies during the period of insurance or is put down for humane reasons because of illness/disease or accident/injury that happened or started during this period of insurance. We pay the market value, the price paid or the amount shown in the schedule whichever is less.

Boarding Kennel Cattery Fees

If you are a registered in-patient in hospital for more than 3 days we can cover the cost of boarding your pet.

Holiday Cancellation

If you have to cancel or cut short your holiday because your cat or dog needs emergency life-saving surgery because of an accident or illness within 14 days before departure.

Loss by Theft or Straying

If the insured pet is not found within 28 days of straying or being stolen we pay the market value, the price paid or the amount shown in the schedule whichever is less.

Advertising and Reward

We pay up to 25% of your pet's sum insured value to cover the cost of advertising and paying a reward which leads to getting your pet back following theft or loss.

Accidental Damage

We insure you for accidental damage to personal property that is not owned by you, a member of your immediate family, a relative, employee, guest or other person who is responsible for or in control of your pet.

Public Liability

Legal liability to a third party, for the damages and costs arising from your ownership of the insured pet.

Personal Accident

We cover you as a result of lost income if you are bitten by your pet while you are caring for it and have to miss work as a result of the injury.