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Included with policy

Pet complementary treatments

We include a range of complementary treatments with your pet insurance

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Corgi wearing orange safety vest in pool being held by person
Included with policy
Customer ratings across Co-op Insurance Excellent 4.5 out of 5 stars on Trustpilot 4.5 out of 5 based on 4,671 reviews

What are complementary treatments?

Complementary treatments are extra ways to help your pet get better. You use them alongside traditional vet care.

They can help to:

  • reduce pain
  • improve movement
  • support your pet’s wellbeing and recover

How do you claim for complementary treatments?

To claim for complimentary treatments on your insurance:

  • a vet must recommend the treatment
  • the treatment must be carried out by a suitably qualified practitioner
  • you must pay the excess shown in your policy

Complimentary treatments may be excluded if connected to certain treatments. You should check your policy documents for more details.

Which complementary treatments do we cover?

Co-op Pet Insurance provides cover for these complementary treatments:

  • acupuncture
  • chiropractic manipulation
  • physiotherapy
  • hydrotherapy
  • osteopathy

Complementary treatments explained

What is hydrotherapy for pets?

Hydrotherapy uses exercise in water to improve mobility, muscle strength, and circulation. It can also help reduce joint pain. It can be used to treat arthritis, surgery recovery, and neurological conditions. It is mainly used for dogs, but is available to cats if suitable.

Hydrotherapy needs to be provided by members of the CHA (Canine Hydrotherapy Association), ICH (Institute of Canine Hydrotherapists) or NARCH (National Association of Registered Canine Hydro-therapists).

What is acupuncture for pets?

Acupuncture uses very thin needles placed at specific points on a pet’s body. It helps relieve pain, relax muscles, and improve blood flow. It’s often used to treat arthritis, long‑term pain, mobility problems, and support recovery after injury. Acupuncture is safe for dogs and cats when carried out by a qualified veterinary acupuncturist.

What is osteopathy for pets?

Osteopathy uses massage and joint manipulation to improve mobility, reduce pain, and support function in muscles, joints, and soft tissues. It is suitable for dogs and cats, though more commonly used for dogs.

What is physiotherapy for pets?

Physiotherapy uses targeted exercises, heat therapy, and mobility work to help pets recover from injury, surgery, or chronic conditions. It improves strength, flexibility, and overall movement. It is suitable for both dogs and cats.

What is chiropractic manipulation for pets?

Chiropractic manipulation uses joint adjustments to improve alignment, relieve tension, and support mobility in the spine and musculoskeletal system. It is used for chronic pain, stiffness, and mobility issues. It is suitable for dogs and cats, though more commonly used for dogs.

Pet insurance member offers

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5% off

5% off pet insurance

Members get 5% off Co-op Pet Insurance in the first year. Just enter your Co-op Membership Number if prompted when you get your quote.

Minimum yearly costs apply.

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Pet food and treats
food store offer

10% in-store discount

Members with Co-op Pet Insurance get 10% off pet products in our food stores, including pet food, treats and accessories. Just use your membership card every time you shop.

In-store discount added up to 14 days after policy starts and ends 21 September 2027. Terms and conditions apply.

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Not a Co-op Member?

Join for just £1 when you buy your insurance. Pay once and stay a member for life. As well as a lower price on pet insurance you will get:

  • lower prices in our food stores and online

  • personalised offers every week

  • a say in how Co-op is run

Awards and ratings

Pet | Defaqto rating 2026

Independent financial ratings experts Defaqto have given their 5 Star Rating to our Lifetime £5,000, £7,500, £10,000 and £16,000 pet insurance.

The British Insurance Awards 2025, customer experience award winner

Co-op Insurance won the Customer Experience Award at the 2025 British Insurance Awards. This event celebrates excellence in the insurance industry.

Trustpilot

Co-op Insurance is rated on Trustpilot, one of the world’s largest independent customer review sites. This rating reflects feedback across Co-op Insurance.

Related articles

Pet insurance is offered through Co‑op Insurance Services and administered by Insurance Factory Limited.

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.

Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.

Pet in-store 10% discount terms and conditions

The offer

Co-op Group Members with an active Co-op Pet Insurance policy get 10% off on pet products. This includes pet food, treats, and accessories in Co-op Group Food stores.

Promoter

This offer is run by Co-op Insurance, which is a trading name of Co-op Insurance Services Limited. Co-op Insurance Services Limited is registered in England and Wales (company number 4390). The registered office is 1 Angel Square, Manchester, M60 0AG. It’s authorised and regulated by the Financial Conduct Authority (register number 779364). Opening and closing dates

The offer will be available from 19 March 2026 and will run until 21 September 2027.

Eligibility

This offer is available to Co-op Group Members, aged 18+ who are UK residents and have an active Co-op Pet Insurance policy. This includes policies bought through comparison or cashback websites. Customers with temporary Membership cards are excluded. £1 joining fee applies for new members.

Member data matching criteria

To match you as a Co-op Member, the details on your Co-op Pet Insurance policy must be the same as the details on your Co-op Membership account. Co-op will not be liable for any incorrect details on the Membership account. We will check who qualifies for the offer using the following details you gave when you took out your policy:

  • your surname
  • your first initial of your first name
  • your postcode
  • your date of birth

You can update your Co-op Membership account details online.

Receiving the discount

We'll add the discount to your Co-op Membership account within 14 days after matching it with your pet insurance policy. The discount will not show in the Co-op app, but it will be on the till screen or your receipt as ‘Pet Insurance Offer’.

Applying the discount

The discount offer is only available in Co-op Food Stores. This discount offer is not available in any independent co-operative societies, Midcounties, Central England, Southern or Chelmsford Star co-operatives, some and concessions (such as Co-op Live) or in non-Co-op branded stores (such as Nisa) or online or on any delivery platforms.

To apply the discount the Co-op Member must:

  • purchase any pet product (petfood, treats or accessories) in a Co-op Food Store
  • scan your Co-op membership card/app at the till
  • the 10% will then automatically be taken off the balance

This discount can be used in conjunction with other discounts or promotions, no change will be given if the combined discounts exceed the purchase amount.

A maximum of 50 pet products can be purchased in a single transaction when using this discount.

No refunds will be given for any discount value on any purchases made before the discount has been applied to the matching Membership account.

Removal of discount

You will lose the discount if your Co-op Pet Insurance policy is cancelled or not renewed. You will also lose it if you close your Co-op Membership account before the discount end date.

Lost or damaged membership card

If your Co-op Membership card is lost or damaged, you can order a new card. When a new Membership card is received during the offer period, the discount will be applied within 14 of you receiving your new card.

Decision of the promoter

If there’s a dispute with the promotion, the promoter will make the final decision.

Disqualification

We may cancel this offer or your pet insurance policy if we think you’ve broken the rules or acted dishonestly. This includes buying discounted pet products to sell them on.

Cancellation or withdrawal of promotion

We may change or withdraw this offer at any time, without telling you in advance. We won’t be held responsible if we need to do this.

Use of personal information to administer promotion

We, other members of The Co-operative Group, and third-party agencies working for us may collect your personal information. This will be done in line with the Data Protection Act 2018 and any other data privacy laws that apply. To find out more about your rights please see our Privacy Notice.

Changes to these terms and conditions

We reserve the right to amend these terms and conditions at any time. Revised terms and conditions will be available at coop.co.uk/insurance/about-us/our-promotions/pet-instore-member-offer

It is your responsibility to keep up to date with any such changes.

Limitation of liability

We are not responsible for any loss, damage or injury linked to this offer or promotion, as far as the law allows. This includes anything that happens when you use the offer or take part in the promotion. We don’t limit our responsibility for personal injury or death due to negligence

Relevant law

This promotion is run under the laws of England. Any legal matters will be handled by the English courts.

General

The Promoter is not responsible for any third-party acts or omissions. We cannot guarantee that the offer will be free from disruptions, failings, or cancellations. We are not liable for such disruptions, failings, or cancellations unless they are caused by our negligence.

This offer does not change the terms of your Co-op Pet Insurance policy.

All Pet Insurance policies are subject to usual checks, including our standard terms and underwriting rules.

Contact us

For any questions about this offer or discount please contact us.