Unlimited 24/7 video consultations with qualified vets
Find out more about the digital vet service you can use without affecting your premium, paying an excess or it counting as a claim.
Pet insurance
Cover from £1,000 to £16,000 available
You can choose between lifetime and time limited policies, each with a choice of cover levels
Pet insurance is offered through Co-op Insurance Services and administered by Insurance Factory Limited.
Why choose us?
Co-op Pet Insurance has great new features to help your dog or cat when they need it most.
24/7 access to vets online
You can book a vet video consultation anytime through FirstVet without paying an excess, it affecting your premium or counting as a claim.
Adoption discount
Get a 2.5% discount if your pet is adopted from a recognised animal charity or rescue centre. This introductory discount applies for the first year only and is subject to minimum premiums.
Choose the cover for your pet
We offer lifetime and time limited policy types, each with a choice of cover levels.
Co-op Membership discount
Co-op Members get 5% discount on all policies or 7.5% discount if your pet is adopted from a recognised animal charity or rescue centre. This introductory discount applies for the first year only and is subject to minimum premiums.
Our types of cover
Co-op Pet Insurance offers two types of policy, lifetime and time limited.
Lifetime
- Lifetime cover as long as you renew each year without a break, subject to your policy limits
- Six cover levels to choose from: £1,000, £2,500, £5,000, £7,500, £10,000 and £16,000
- The annual limit refreshes each year.
Time limited
- Provides cover for 12 months from the first treatment date for each illness or injury
- Two cover levels to choose from: £2,000 and £5,000
- The annual limit refreshes each year.
Compare our cover options
Compare the difference between the two types of Co-op Pet Insurance.
Cover | Lifetime | Time limited |
|---|---|---|
Vet fees | six cover levels from £1,000 to £16,000 | £2,000 or £5,000 |
Advertising and reward | from £500 to £2,500 | £1,000 |
Loss of pet due to straying or theft | from £500 to £3,000 | £1,000 |
Third party liability for dogs only | £1 million | £1 million |
Dental treatment for accident or illness (subject to regular dental check) | Dental treatment is covered for accident or illness | Dental treatment is covered for accident or illness |
Complementary treatment such as hydrotherapy | Complementary treatment is included. | Complementary treatment is included. |
Pay monthly at no extra cost | You can pay monthly for no extra cost. | You can pay monthly for no extra cost. |
For more details on what is and isn't covered, read our policy documents.
Why do you need pet insurance?
Pet insurance is there to cover your pet if they have an accident or illness and 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 cost thousands of pounds depending on the type of treatment and the size and breed of your pet.
Peace of mind
Knowing that you are covered for what can be a large unexpected bill.
Lifetime cover
If you choose a lifetime policy your pet will be covered for treatment for illnesses or injuries up to a certain amount each year.
What pet insurance do we offer?
Frequently asked pet insurance questions
Doing the right thing for you and your community
Pet insurance is offered through Co‑op Insurance Services and administered by Insurance Factory Limited.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance policies are administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 306164, a company registered in England and Wales under company number 02982445 with registered office: 45 Westerham Road, Bessels Green, Sevenoaks, TN13 2QB. Insurance Factory Limited is part of the Markerstudy Group of companies. Co-op Insurance and the Co-op logo are registered trademarks of Co-operative Group Limited or its affiliates and are used under licence by Insurance Factory Limited.
^Call charges may apply. Calls may be monitored or recorded for security and training purposes.