20% off pet insurance when you buy online

Puppy and kitten sat on a sofa

Offer available for the first year only and may be withdrawn at any time. For new customers only. Terms and conditions apply.

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

Why do you need pet insurance?

Millions of people across the UK consider their pet a part of the family. Pet insurance is there to cover you if they have an injury, illness or accident that needs veterinary treatment.

You pay a monthly or annual premium and pet insurance will cover the costs of the treatment needed, minus any excesses. Some of the key reasons to buy pet insurance are:

Cost of vet fees

Vet fees can range between £400 - £8,000 depending on the size and breed of your pet.

Peace of mind

Knowing that you are covered for what can be a large unexpected bill.

Cover for life

If you choose a lifetime cover policy your pet will be covered for treatment to any illnesses or injuries up to a certain amount every year.

Our types of cover

Co-op Pet Insurance offers two types of policy, Select Plus and Classic.

Select Plus

  • Covers your pet for treatment up to £5,000 per year

  • Injury or illness can’t have been pre-existing

  • Cover for ongoing conditions such as arthritis and eczema for as long as your pet needs it

  • This could be for the rest of their life, as long as you renew each year without a break.


  • Covers your pet for treatment up to £2,000

  • Injury or illness can’t have been pre-existing

  • Claim for up to 12 months from when you first notice the injury or illness.

Compare our cover types

Compare the difference between the two types of Co-op Pet Insurance.


Select Plus


Vet fees

£5,000 per year


Complementary treatment

£750 per year

Not included

Dental treatment

£5,000 per year


Legal helpline

24/7 access

24/7 access

How your premium can change

There are a number of factors that impact your premium, such as your pet’s age, increased veterinary costs, advancements in veterinary medicine and any claims you have made.

These mean your premium will increase at each policy renewal and over the lifetime of your policy. There could be a substantial impact on your renewal premium depending on the combination of factors that have to be taken into consideration.

Please also be aware that if you change your address this may affect the price of your policy at your next renewal.

What will my excess be and will my excess change?

Your policy will have fixed excesses that can vary depending on factors such as the type of pet you have and the plan you choose.

To see the excess you would pay it is best to get a quote, but bear in mind this could change at your renewal. Typically a 20% excess (in addition to the fixed excess) is introduced at the renewal following a pet’s 10th birthday or 7th birthday for some breeds of dog.

You will be notified at least a year in advance of any percentage excess being added to your policy.

For more details on what is and isn't covered, read our policy documents.

Why choose us?

  • multi-pet discount for every pet that you add to your policy
  • we close 80% of our claims within 10 days or less (April - June 2021)
  • comprehensive dental cover, subject to a yearly dental check up
  • 91% of our pet insurance customers renew
  • option to pay monthly by direct debit at no extra cost.

What pet insurance do we offer?

Optional extras

You can choose from three optional extra packages that enhance the level of cover for your pet.

These include cover for third-party liability, boarding fees and quarantine costs.

Make a claim

Over 2,000 veterinary practices are now able to notify us of a claim electronically at point of treatment, helping to speed up your insurance claim.

Find out how to use this service.

Frequently asked pet insurance questions

Important information

Existing customers

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.