Pet insurance for a brighter tomorrow
Comprehensive pet insurance to help keep your furry family healthy, happy and protected.
15% additional pet discountCover for multiple pets
Choose from our Lifetime policies with limits between £3,000 and £12,000, or take a PawGuard policy that allows for a single claim of up to £2,000. See our FAQs for full details.
Cover up to five pets on one policy, with up to a 15% discount for any additional pets covered.
For any non-urgent or non-life-threatening condition, simply contact our 24/7 video vet service before visiting a vet. Around 70% of issues can be dealt with through a video consultation, giving your pet faster access to veterinary advice while helping to avoid unnecessary vet visits and keep the cost of your cover affordable.
If an in-person appointment is needed, the video vet will advise you on the next step.
You can choose to visit a vet without using the video service first, but a £150 surcharge will then apply to your claim for that non-urgent visit.
Choosing the right cover shouldn’t be complicated. Our plans are designed to be clear and simple to compare, so you can find the right level of protection for your pet, with a team that truly cares.
Get a Quote
Your pet deserves the best. Get cover today that your four-legged family members can rely on.
Get a QuoteCompare cover levels
Choose the right level of cover for your pet’s needs. Every plan helps with veterinary fees for accidents and illnesses.
Cover for One Condition (Backed by Online Support)
Core cover with a £3,000 annual vet fee limit
Higher limits and a lower £110 excess
Our highest limits across every benefit
All policy limits are subject to full terms and conditions outlined in your policy documentation. See policy documents.
Every pet has their own story. Whatever theirs looks like, the right cover helps you focus on the moments that matter most.
Read Their Stories
A fixed excess of £350 (Essentials) or £110 (Premium and Complete) applies per condition, per policy term. If your pet is 8 or older, a minimum 20% co-payment applies. Limits and exclusions apply. View all benefits, limits and exclusions.
Included support
Benefit from complementary online support from Joii Pet Care and get advice that:
Please use Joii Pet Care for non-emergency or life-threatening situations before visiting a vet, or an additional £150 excess may be deducted from any claim settlement.
Learn More (opens in a new tab)
24x7 Vet CarelineAdvice from day 1, day and night
Take complete control of your policy 24/7 using your online customer portal. Make changes to your policy, view your documents and even help to manage your claims.
Log in to your customer portal
Claims
Making a claim is simple and straightforward.
Submit a claim online (opens in a new tab)
Complete our online claim form.
Our team will assess your claim.
Once approved, we’ll process your payment.
Your pet can get the care they need.
Using Joii before you go to the vet can save you time, money and stress, for you and your pet, from unnecessary visits to the vet. Find out more about Joii.
It can be worthwhile asking several vets for an upfront quote. Veterinary charges can differ from vet to vet, so it is worth shopping around.
It can be cheaper to purchase from an authorised prescription medication site. Simply obtain a prescription from your vet and always make sure you use a reputable UK online pharmacy site.
Regular exercise and a balanced diet is one of the best ways to keep your pet’s health care costs down in the long term. Don’t forget to ensure your pet also receives regular routine health checks.
Got a question? Here are some of the most common ones.
Showing FAQs for our Essentials, Premium & Complete Lifetime policies.
We offer Lifetime cover for your pets. Lifetime pet insurance is designed to help cover the cost of veterinary treatment for accidents and illnesses your pet develops during its life, provided the policy remains active and is renewed each year without a break in cover, up to the stated policy limit each year you hold cover with us. Please refer to your policy wording for more detailed information on what is covered.
If your policy is renewed, your chosen coverage limit resets and any ongoing condition remains covered.
With a Lifetime policy:
You can claim for covered ongoing conditions year after year, up to the annual veterinary fee limit. This is different to other types of policies where cover for a condition may only be provided for the duration of your existing policy or up to a maximum cover limit per condition, which can leave you covering your complete vet bills over time. With Lifetime the annual veterinary fee limit resets each policy year when the policy is renewed, giving you continued cover for long-term conditions (subject to renewal and the terms of your policy). This table outlines how the different types of cover would work if your pet required £2,000 of treatment a year for one condition:
| Cover type | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Time Limited (12 months) | Covered | Not covered | Not covered | Not covered | Not covered |
| Maximum Benefit (£5,000) | Covered | Covered | Limit reached part way | Not covered | Not covered |
| Lifetime Cover | Covered | Covered | Covered | Covered | Covered |
Yes. There is a:
No – future periods of cover are not guaranteed. Lifetime cover is offered on an annual basis and is subject to renewal. We may choose not to offer renewal, for example but not exclusively in the event of non-payment, changes in risk, or changes in our underwriting criteria. The coverage offered at renewal is also not guaranteed and may change – we will however notify you of any significant changes in your cover each renewal.
No – the premium is not fixed and may increase each year, even if you haven’t made a claim. Factors that can influence your premium at renewal include:
As well as you paying the compulsory excess on your policy, an additional co-payment is an amount you will pay towards the cost of a claim.
Please note that any policy with a pet aged 8+ years will have a minimum 20% applied.
Covered services include:
Yes, up to the limit stated in your policy schedule. Cover applies only if caused by a medical condition and if treatment is carried out by a recognised behaviourist.
Yes, travel to agreed countries (EU members and UK Common Travel Area) is included for up to 60 days per year. Please note that Third Party Liability cover for dogs only applies in the UK.
Yes, you can amend your level of cover at renewal, but you can only lower the level of cover that you have and then will not be able to increase it again.
Yes, you should use Joii Pet Care for non-emergency or life-threatening situations before visiting a vet or an additional £150 excess may be deducted from any claim settlement we pay to you. Information about how to access help from Joii is shown above or can be found in your policy documentation.
You can either pay for your policy annually upfront or monthly via Direct Debit. Please also note that we make no charge for you choosing to pay for your policy monthly.
If we are able to offer you a renewal, we will send you a renewal invitation around 25 days before your policy renewal date so that you can make an informed decision about your policy and contact us should you not wish to renew.
Unless you choose not to, if you pay for your policy by instalments your policy should automatically renew.
If you paid in full for your policy, you would need to contact us to renew your policy and maintain cover. Details about how to do so will be included in your renewal invitation.
You can submit a claim via the link in your customer portal.
No. Any condition, illness, injury, or clinical sign that occurred or showed symptoms before your policy start date is not covered.
Yes, you may insure up to 5 pets on your policy and each additional pet insured will receive a 15% discount.
You can get a quote online in just a few minutes. Click here.
We are paid a percentage of the premium you pay and charge a fee for setting up your policy, which enables us to maintain our services to you.
Spaying and neutering are considered routine procedures and are excluded from cover.
Yes, we will not cover the following dogs or any pet that is crossbred or mixed with any of these excluded breeds:
Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Boar Hound, Brazilian Mastiff, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Dogue Brasileros, Dogue de Bordeaux, East Siberian Laika, Fila Brasileiro, Grand Bleu de Gascoigne, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Mexican Hairless (any variant), Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Racing Greyhound, Sarloos Wolfhound, Segugios Italiano, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid, Wolfdog and Working Sheepdog.
We will also not cover any dog that must be registered under the Dangerous Dogs Act 1991, the Dangerous Dogs Act (Northern Ireland) 1991 and the Dangerous Dogs (Amendment) Act 1997 or any further amendments to these Acts, and/or any pet breed/species which is excluded by us and is listed above (including breeds which are known or classed as the names listed).
Yes, insure more than 1 pet and you will receive up to a 15% discount for all additional pets insured, subject to our minimum premiums.
You can change your marketing preferences within your customer portal.
If your pet requires a referral to a specialist vet or treatment needs to be provided by a different vet for a specific condition, you can submit a claim for each treating vet as part of a continuation claim.
Please log in to your customer portal and make these changes.
It depends on the complexity of the claim being made. All claims are dealt with as quickly, efficiently and accurately as possible.
The most efficient way to submit your claim is online. Please ensure you have the following documentation and information to hand:
If your pet has ongoing treatment for an illness or injury, this may occur over a period of time. Each time any further treatment or medication is provided, you have the ability to submit a secondary claim for that condition – also known as ‘continuation of treatment’ or a ‘continuation claim’. This means that subsequent claims following a first claim can be linked and assessed using the correct policy cover, limits and excesses applicable.
Pre-existing conditions are conditions or illnesses that your pet showed signs of, have been clinically diagnosed with or investigated before the start of your policy.
Your documents will be emailed to you when you take your policy or make a change to your policy, but they can also be accessed at any time via your customer portal. You can also view our policy documents here.
Yes, you can cancel your policy at any time:
Please note that individual policy limits exist and cover for the Lifetime of your pet is subject to continuation of cover.
Showing FAQs for PawGuard only – single condition cover up to £2,000.
PawGuard is a simple, affordable pet insurance policy designed to protect you against the cost of one unexpected illness or injury. It covers a single condition, up to £2,000 of vet fees, for up to 12 months from when the condition first showed clinical signs, together with a package of everyday digital vet care through Joii that you can use at any time, whether or not you ever claim.
PawGuard covers vet fees for the treatment of one illness or one injury, up to £2,000, for up to 12 months from the date the condition first showed clinical signs. It also includes:
The excess is £250 per claim. This is the amount you pay towards the cost of treatment before the policy pays the rest, up to the £2,000 limit. No excess applies to the death benefit or missing pet benefit.
Most pet insurance falls into one of four types: lifetime, time-limited, maximum benefit or accident-only. PawGuard doesn’t fit neatly into any of them – it’s deliberately simpler. Rather than covering multiple conditions at once, it protects you against the single unexpected illness or injury that would otherwise be hard to afford, at a lower price than fuller cover.
Think of it as an entry point and real protection for the big unexpected bill, plus everyday digital vet care, with a straightforward route to upgrade to fuller cover when you’re ready.
PawGuard is underwritten by Protect Insurance PCC – Cell Universal, who is authorised by the Gibraltar Financial Commission under reference 1233758.
One condition means a single illness or injury, including all treatment that relates to it. For example, if your dog tears a cruciate ligament, all vet fees for diagnosing and treating that injury – consultations, imaging, surgery, medication and follow ups – count as one condition. Conditions that are medically connected to each other are also treated as the same condition.
Once your pet first shows clinical signs of the condition, you’re covered for eligible treatment costs for that condition for up to 12 months, or until the £2,000 limit is reached, whichever comes first. After that point, further treatment for the same condition isn’t covered.
Your Joii digital vet care and Petscribers benefits continue for as long as your policy remains active. If you renew your policy, your policy benefit of £2,000 for vet’s fees for a new illness or injury will be replenished, but you will not be able to claim for the same condition you have already claimed for.
No. If your pet passes away as a result of an accident or illness you are covered up to £750 and won’t have any excess deducted from your settlement.
£2,000 will cover a large selection of common treatments. However, some complex conditions – for example those needing specialist referral, advanced imaging and long-term medication – are likely to cost more. If you’d like higher limits or cover for multiple conditions, our Essentials, Premium and Complete Lifetime policies offer fuller protection.
Pre-existing conditions are conditions or illnesses that your pet showed signs of, have been clinically diagnosed with or investigated before the start of your policy.
No. PawGuard doesn’t cover illnesses or injuries that existed prior to cover commencing, which includes conditions connected to them. Any condition, illness, injury, or clinical sign that occurred or showed symptoms before your policy start date is not covered.
Yes. There is a:
This helps to protect all our customers by preventing policies being bought only once a pet is already unwell.
The main exclusions include routine and preventative care (vaccinations, flea and worm treatment, neutering), routine dental treatment, pregnancy and breeding, and behavioural conditions. Full details of what is and is not covered are set out in the policy wording – please read it alongside the Insurance Product Information Document (IPID) before buying a policy.
Joii Pet Care is a digital veterinary service run by registered UK vets and vet nurses. Through the Joii app you can use an AI symptom checker at any time, and speak to a vet by video consultation day or night, without having to leave home or take your pet to a veterinary practice.
The Joii pathway is a required first step for every claim. When your pet is unwell, start with the Joii symptom checker or a video consultation. Joii’s vets will assess your pet and either resolve the issue there and then – many everyday concerns can be – or refer you to your own vet for treatment. This helps keep PawGuard affordable, gets your pet seen faster, and means minor issues don’t turn into unnecessary stressful vet visits.
Emergency situations are different: if your pet needs urgent, life-saving treatment, go straight to your nearest vet and let us know as soon as you reasonably can.
Claims are handled by our claims partner, Claimsorted. The steps for making a claim are:
Further information on how to make a claim and how long this might take is included in our policy information.
Yes – PawGuard is designed as a starting point. You can move up to our Essentials, Premium or Complete policies, which offer higher limits and cover for multiple conditions. However, please note that any conditions you may have claimed for under PawGuard, or any conditions where clinical signs were shown before you upgraded, will be considered pre-existing conditions under your new policy.
Your policy includes up to 2 video consultations per month* and unlimited use of the AI symptom checker at no extra cost. These benefits are yours to use throughout the life of your policy, whether or not you ever make a claim.
Yes, absolutely. For treatment, PawGuard doesn’t restrict which practice treats your pet.
Petscribers is an online pet pharmacy offering significant savings on medication compared with typical practice prices. If your pet needs ongoing medication, ask your vet for a written prescription and order your pet’s medication through Petscribers. This can meaningfully reduce your out of pocket costs.
Yes, you can cancel your policy at any time:
If something goes wrong, contact us at complaints@switchproductgroup.com and we’ll do our best to put it right promptly.
No. PawGuard only provides cover for your pet in the United Kingdom.
Yes, you may insure up to 5 pets on your policy and each additional pet insured will receive a 15% discount.
Yes. We will not cover the following pets, or pets that are crossbred or mixed with any of these excluded breeds.
Any dog that must be registered under the Dangerous Dogs Act 1991, the Dangerous Dogs Act (Northern Ireland) 1991 and the Dangerous Dogs (Amendment) Act 1997, or any further amendments to these Acts, and/or any pet breed/species which is excluded by us and is listed below (including breeds which are known or classed as the names listed):
Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Boar Hound, Boxer, Brazilian Mastiff, Bulldog, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Cavalier King Charles Spaniel, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dachshund (all variants), Dingo, Dogo Argentino, Dogue Brasileiro, Dogue Brasileros, Dogue de Bordeaux, East Siberian Laika, English Bulldog, English Springer Spaniel, Fila Brasileiro, French Bulldog, German Shepherd, Grand Bleu de Gascoigne, Great Dane, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Mexican Hairless (any variant), Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Pug, Racing Greyhound, Sarloos Wolfhound, Segugios Italiano, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid, Wolfdog and Working Sheepdog.
In addition, we exclude cover for the following cat breeds: Exotic Shorthair, Highland (Scottish) Fold, Munchkin, Peke Faced Persian, Persian and Sphynx.
You can change your marketing preferences within your customer portal.
If your pet requires a referral to a specialist vet, or treatment needs to be provided by a different vet for a specific condition, you can submit a claim for each treating vet as part of a continuation claim.
If your pet has ongoing treatment for an illness or injury, this may occur over a period of time. Each time any further treatment or medication is provided, you have the ability to submit a secondary claim for that condition – also known as ‘continuation of treatment’ or a ‘continuation claim’. This means that subsequent claims following a first claim can be linked and assessed using the correct policy cover, limits and excesses applicable.
Please login to your customer portal and make these changes.
Your documents will be emailed to you when you take your policy or make a change to your policy, but they can also be accessed at any time via your customer portal.
Individual policy limits exist and cover for the Lifetime of your pet is subject to continuation of cover.
We’re here to help
Please write your message using the form. If you have one, please remember to include your policy number or quote reference.
Email us support@unisonprotect.example Need to make a claim? Submit a claim online (opens in a new tab)