Pet insurance

Yorkshire terrier puppy and silver tabby kitten wearing cape illustrations

Free pet hamper when new customers buy a pet insurance policy

For new customers who buy direct. Offer ends 30 September 2021. Terms and conditions apply.

Co-op Pet Insurance is offered through Co-op Insurance Services and is provided and underwritten by Allianz Insurance plc.

Co-op members get 3 months free in their first year

Terms and conditions apply.

We care about our members and their pets too, that's why we've put together an exclusive member offer on pet insurance.

Our pet insurance covers a wide variety of treatments, but you can add on extra cover if you’d like to. Pre-existing conditions are not covered.

Get a quote online or call 0330 102 1531^.

Choose your cover

Finding the right pet insurance cover can be tricky. So to keep things simple, we have two pet insurance plans for both cats and dogs – with optional benefit packages you can add on.

Classic policy

We designed this for pet owners looking for quality low-cost pet insurance cover.

Our Classic policy protects you against the cost of vet fees for non pre-existing injuries or illnesses up to £2,000. Any claims you make are limited to the 12 months from when you first notice the injury or illness, as long as you insure your pet with us†.

When your pet reaches 10 years of age (7 years if it's a Select breed), you will be liable for 20% of the veterinary treatment costs in addition to any standard excess.

Select Plus policy: lifetime cover

This covers the cost of vet fees for treating non pre-existing injuries or illnesses up to £5,000 per year.

There’s up to £750 of complementary treatment cover. It also covers treatments for ongoing conditions like arthritis or eczema, for however long your pet needs them for, even if it’s for life, as long as you renew your policy every year without taking a break.†

When your pet reaches 10 years of age (7 years if it's a Select breed), you will be liable for 20% of the veterinary treatment costs in addition to any standard excess.

If we’ve applied extra exclusions on your pet’s policy, you’ll be able to see them on your pet’s insurance certificate.

Read more about our two types of cover or view our policy documents for exclusions and limitations.

Why choose our pet insurance:

  • multi-pet discount for each additional pet you add to your dog or cat policy
  • we offer comprehensive dental cover, subject to a yearly dental check up
  • you can pay by monthly Direct Debit at no extra cost.

Terms and conditions

Like all insurance policies, there are limitations and exclusions to the cover. To find out more, please read these sample policy documents.

*Offer is available to new customers only and may be withdrawn at any time. Three months free offer is available to Co-op Group members only and is not available to members of independent co-operatives including Midcounties, Central England, Southern or Chelmsford Star co-operatives. Exclusions and restrictions apply. For Membership Ts&Cs visit The first three months of the policy will be free and you will pay for the remaining nine months of the cover. If you choose to pay monthly, your first instalment will be due in the fourth month of the policy period. If you choose to pay annually you will pay for the equivalent of nine months in a single up-front payment. At renewal, the standard applicable annual premium will apply. We reserve the right to withdraw or change this offer without notice. This offer cannot be used in conjunction with any other discounts (excluding multi-pet discount).

Pet insurance is offered through Co‑op Insurance Services and underwritten by Allianz Insurance plc.

Applicants for insurance are subject to normal underwriting criteria.

A new customer is someone who has not had a Pet Insurance policy with Co-op Insurance or Co-op Insurance Services in the last 12 months.

†There is no cover for illness which starts in the first 14 days of the policy or any pre-existing conditions. If your pet was ill or injured at any time before your insurance started we will not cover any costs relating to that illness or injury. This is in addition to any specific exclusions on your policy.

Your premium will increase over the lifetime of your policy and terms, conditions and excesses apply and may be varied on renewal. Typically a 20% excess (in addition to the flat excess) is introduced at the pet’s 10th birthday for cats and dogs and 7th birthday for some breeds of dog.

Allianz Insurance Plc (“Allianz”) and Co-op Insurance Services Limited (“Co-op Insurance”) work together to distribute Co-op Pet Insurance, which is provided, underwritten and administered by Allianz. Allianz pays Co-op Insurance a commission for each Co-op Pet Insurance policy that is taken out or renewed. The commission amount is a percentage of each annual premium. Allianz is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Co-op Insurance is not part of the Allianz group.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.