Policy Type: Time Limited Cover
Vet Fees Cover Limit: £4,000 per condition for up to 12 months from time the condition starts.
Maximum Age for New Policies: 10 years (6 years for selected breeds of dogs)
Key Points to Note
- Optional benefit packages – third party liability, travel, other benefits
- Has maximum costs for consultations, tests etc.
- Includes dental cover for accidents and underlying illnesses (but not for tooth or gum disease).
- Does not pay for any prescription foods
- No cover for euthanasia
- No cover for death as a result of illness
- See full review of Direct Line strengths and limitations
- See a summary of Direct Line customer reviews
| Disclaimer Notice: Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy. The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different. |
Excess and Contribution Rates
- The excess is £70 per condition for cats and £80 per condition for dogs
- This can be doubled in return for a lower premium
- You do not have to pay contribution payments for pets of any age.
Vet Fees Benefits
| Dental Costs: Includes cover for dental condition caused by accidents or underlying illnesses but not gum or tooth disease. |
| Prescription Food: Not covered. |
| Euthanasia: Not covered |
| Complementary Therapies: Included in vet fees. Will only pay a maximum of £35 per session for hydrotherapy or physiotherapy. Hydrotherapy and physiotherapy is limited to 15 sessions per condition. |
| Behavioural Therapy: Not covered |
Third Party Liability Cover
| Third Party Liability: Optional £2 million – No non-standard exclusions. |
Additional Benefits
| Death Benefit – Illnesses Not covered |
| Death Benefit – Accidents – Optional Pays purchase price of your pet (maximum £1,500). |
| Theft & Straying Benefit – Optional Pays purchase price of your pet (maximum £1,500). |
| Advertising & Reward – Optional £1,000 |
| Boarding Fees – Optional £1,000 Pays the cost of a licensed boarding establishment or professional minding service. |
| Holiday cancellation £2,000 Covers cancellation/curtailment as a result of your pet requiring immediate lifesaving treatment – or going missing shortly before you travel or whilst on holiday. |
Travel Cover
| Limitations: No more than 3 journeys of maximum of 30 days. Only covers trips to countries which are members of the PET travel scheme. |
| Vets Fees Abroad – Optional. Included in overall vet fees limit |
| Quarantine Fees – Optional £1,500 |
| Loss of Documents Cover – Optional £350 |
| Emergency Expenses Abroad – Optional £200 |
More Information
Other Direct Line Policies
About Direct Line Pet Insurance
Pet Insurance Terminology Explained
More Pet Insurance Terminology & Benefits Explained