If you have a pet dog, they may need more insurance cover than other animals.

Vet treatment for dogs can cost more than for other household pets, so work out what cover your dog needs before you find a policy.

What cover do you need?

Most pet insurance policies will give you cover against:

  • Vet fees: You can claim back the cost of vet treatment during the term of your policy.

  • Death: Most insures will pay the purchase price of your pet if they die due to an accident or illness, but this cover could be removed when your pet gets older.

  • Theft or straying: If your pet is stolen or goes missing, your policy can cover the price you paid for your pet. Some also cover the costs of advertising when your pet is lost.

  • Boarding fees: If you have to go into hospital and cannot look after your pet, the cost of kennel fees can be covered by your policy.

Here is more on what is covered by a pet insurance policy, including how much cover you should look for.

Can you cover older dogs?

Yes, but pet insurance can become more expensive as your dog gets older.

Old or senior dogs are more likely to fall ill or suffer an injury, and some insurers will not cover dogs over the age of eight years old.

Here is how to find the best policy for your older dog.

Do you need third party liability cover?

Yes, because it could save you a lot of money. It is only available for dogs, and can protect you financially if you have to pay compensation or legal costs because your dog:

  • Injures or kills another person

  • Damages someone else's property

If any of these things happen, third party liability could cover your costs if someone takes you to court.

This comes as standard with many policies but not all. If it is not included, you should be able to add it to your policy as an optional extra.