Why do you need dog insurance?

Millions of people across the UK consider their dog a part of the family. Dog 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 dog insurance will cover the costs of the treatment needed, minus any excesses. Some of the key reasons to buy dog 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 Dog Insurance offers two types of policy, Select Plus and Classic.

Select Plus

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

Classic

  • Covers your dog 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 Dog Insurance.

Cover

Select Plus

Classic

Vet fees £5,000 per year £2,000
Complementary treatment £750 per year Not included
Dental treatment £5,000 per year £2,000
Legal helpline 24/7 access 24/7 access

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

Get a quote

Why choose us?

  • multi-pet discount for every pet that you add to your policy
  • we close 80% of our claims within 10 working days
  • 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.

Optional extras

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

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

Important information

Eligibility information

Dog insurance

  • Your dog has to be under eight years old (five years for breeds we class as select) and over six weeks old (eight weeks if you bought it from a licensed breeder)
  • We class these dogs as select breeds: Bernese Mountain Dog, Bulldog, Pyrenean Mountain Dog, Deerhound, Estrela Mountain Dog, Great Dane, Irish Wolfhound, Leonberger, all Mastiff breeds, Newfoundland, Old English Sheep Dog, Dogue de Bordeaux, Rottweiler, St Bernard, Beauceron, Shar Pei
  • You must live in the UK (which includes the Isle of Man and the Channel Islands).
  • We don’t insure dogs that are on the dangerous dog list or crossed with a: Pit Bull Terrier, Dogo Argentino, Perro de Presa Canario, Dogo Canario, Japanese Tosa, Fila Brasileiro, Czechoslovakian Wolfdog, Saarloos Wolfhound/Wolfdog or any wolf cross breed
  • We don’t insure dogs that are used for security, guarding, track racing or coursing
  • We don’t insure dogs you use in connection with a trade or profession.

Cat insurance

  • Cats have to be under ten years old and over six weeks old (eight weeks old if you bought it from a licensed breeder)
  • You must live in the UK (which includes the Isle of Man and the Channel Islands)
  • We don’t insure cats you use in connection with a trade or profession.

Policy documents

How we use your data

Privacy

1 What is this notice?

Co-op Insurance Services take your privacy seriously and this fair processing notice (Notice) sets out how we will use and share your personal information and explains your data protection rights and how to contact us. In this Notice, references to you or your shall mean you as a customer or a prospective customer of the pet insurance product (Pet Insurance) which is arranged, administered and underwritten by Allianz Insurance plc. If you decide to purchase Pet Insurance, this Notice should be read together with your policy documents.

2 Who are we?

We are Co-op Insurance Services Limited trading as Co-op Insurance Services (which is part of the Co-op Group) and we are classed as a "data controller" of your personal information. Our registered office address is at CIS Building, Miller Street, Manchester M60 0AL. When we use terms such as weus and our in this Notice, we mean Co-op Insurance Services.

Our Data Protection Officer (DPO) can be contacted by emailing [email protected] or by letter to Data Protection Officer, Co-op Insurance Services Limited, CIS Building, Miller Street, Manchester M60 0AL.

We are introducing you to Allianz Insurance plc (Allianz) who are also a data controller of your personal information. Allianz will collect your personal information in order to provide you with your Pet Insurance and will share it with us for marketing and product management purposes. Further information about how Allianz uses your personal information can be accessed here. It is important that you read Allianz's privacy policy because it sets out your rights when it comes to their handling of your personal information, and also explains their privacy and data protection obligations.

3 What kinds of personal information does Allianz provide to us?

When you apply for a quotation, purchase Pet Insurance, renew your policy, make a claim and/or complaint, Allianz collect certain information from you such as your name, gender, marital status, address, email address, internet protocol address, contact telephone number and bank account details. Allianz shares this personal information with us for the purposes set out below.

4 How do we use your personal information?

We may use your personal information:

  • where applicable, to fulfil Co-op Group membership requirements in relation to our Co-op Group membership scheme;
  • to send to you Co-op Group membership offers where appropriate;
  • to manage the overall performance of the Pet Insurance account;
  • to monitor the performance of Allianz;
  • to offer you incentives from time to time;
  • to ask for your feedback, assess customer service and satisfaction and to improve our overall operations;
  • to develop new services and products for you;
  • to communicate with you, where you have consented to receive communications or by sending you information about similar Co-op Group products or services which we think may be of interest to you. We will not send you marketing communications if you have opted out to receive marketing. You will be able to opt-out of such communications at any time by contacting us using the details at section 12 of this Notice;
  • to comply with our legal obligations; and
  • to help us improve our service and our communications to you, so that we can contact you at the most appropriate time with relevant offers.

5 What is our legal basis for using your personal information?

We will only use your personal information where it is permitted by law and where:

  • we need to use your personal information to comply with our legal or regulatory obligations;
  • you have given us consent to use your personal information (if consent is needed); and
  • it is in our interests or the interests of Allianz to fulfil their contractual obligations to you and where there is no disadvantage to you.

6 Who do we share your personal information with?

We will share your personal information with:

  • service providers and third party partners who process and store data on our behalf;
  • professional advisors;
  • law enforcement, taxation and legal authorities; and
  • any member of the Co-op Group, which means Co-operative Group Limited, and other companies which may be added to the Co-op Group from time to time.

We may also share your personal information with third parties in the event that our Co-op business or substantially all of its assets are acquired by a third party and if we are under a duty to disclose or share your personal information in order to comply with any legal obligation, or to protect our rights, property, or the safety of our employees, customers, members or others.

7 Will we transfer your personal information outside of the UK?

We may need to transfer your personal information outside of the UK to countries where data protection laws may not provide the same level of protection as those in the European Economic Area. We shall ensure that any such transfers are lawful and that your personal information is kept secure.

8 How long will we keep your personal information for?

We keep personal information for as long as we need to for the purposes we have set out above. Usually, we will retain your information for up to seven years, unless there is an exceptional business purpose in which case this time period needs to be extended. If you would like further information about our retention procedures, please contact us using the details at section 12 of this Notice.

9 What are your rights?

Data protection laws give you a number of rights as set out below. If you would like to exercise any of your rights in relation to the personal information we hold about you, please contact us using the details at section 12 of this Notice.

Please note that we can only assist you with exercising your rights in relation to the personal information that we hold about you. If you would like to exercise your rights in respect of the personal information that Allianz collected from you and holds about you, please contact Allianz directly using the details at section 12 of this Notice.

Right to access your personal information: you may request access to a copy of your personal information. Please send all requests for access to us in writing.

Right to withdraw consent: if you have given us consent to use your personal information to send you marketing, you can withdraw your consent at any time.

Right to rectification: you may ask us to rectify any inaccurate information we hold about you. If you would like to update the personal information we hold about you, please contact us.

Right to erasure: you may ask us to delete your personal information. If you would like us to delete the personal information we hold about you, please contact us, specifying why you would like us to delete your personal information.

Right to portability: you may ask us to provide you with the personal information that we hold about you in a structured, commonly used, machine readable format, or ask for us to send such personal information to another data controller.

Right to restriction: you can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.

Right to object: you may object to our processing of your personal information pursuant to this Notice. Please contact us, providing details of your objection.

Right to make a complaint: you may make a complaint about our data processing activities by contacting us using the details at section 12 of this Notice. Alternatively, you may make a complaint to the UK supervisory authority, which is the Information Commissioner's Office, by visiting their website at www.ico.org.uk, by phoning 0303 123 1113 (local rate) / 01625 545 745 (national rate), or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.

10 How will we keep your personal information secure?

We will treat all of your personal information in strict confidence and we will take all reasonable steps to keep your personal information secure once it has been transferred to our systems. We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information. Please note that we cannot guarantee the security of any data you disclose to us online. You accept the inherent security risks of providing information and dealing online and will not hold us responsible for any loss or damage that you incur.

11 Changes to this notice

We may modify this Notice from time to time, so please review it regularly.  We will let you know when we make any material changes to this Notice by means of notice on our website or if appropriate, by contacting you directly. This Notice was last amended on 8 May 2018.

12 How can we be contacted?

If you have any queries relating to this Notice or our use of your personal information or wish to exercise any of your rights, please contact our Data Protection Officer by email at [email protected] or by letter to Data Protection Officer, Co-op Insurance Services Limited, CIS Building, Miller Street, Manchester M60 0AL.

13 How can Allianz be contacted?

If you have any queries about how Allianz uses your personal information please contact Allianz directly by emailing [email protected], by letter to Data Protection Officer, Allianz Insurance plc, 57 Ladymead, Guildford, Surrey GU1 1DB or by calling 0330 102 1837.

Existing customers

Make a claim

Call us

Opening hours
Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday Closed
Sunday Closed

Write to us

Allianz Insurance Plc, Great West House (GW2), Great West Road, Brentford, Middlesex, TW8 9DX

We’ll handle your claim as quickly and efficiently as possible and we'll aim to:

  • Handle all claims within 3 - 10 working days on receipt of all required info.

Manage your policy

Call us

Opening hours
Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday Closed
Sunday Closed

Write to us

Allianz Insurance Plc, Great West House (GW2), Great West Road, Brentford, Middlesex, TW8 9DX

How your premium can change

There are a number of factors that impact your premium, such as your pets age, increasing veterinary costs, advancements in veterinary medicine and if you claim. These mean your premium will increase over the lifetime of your policy.

How your excess can change

We may change the excess you pay at the renewal of your policy. 

The flat excess for new business will be increased to £99 across all products. 

Typically, a percentage excess in addition to the fixed excess is introduced at the pet’s 10th birthday for cats and dogs, or 7th birthday for some breeds of dogs.

You will be notified at least a year in advance of any percentage excess being added to your policy. Details of your excess can be found in the 'Your excesses' section of your Certificates of Insurance.

Frequently asked questions

When will my direct debit payments go out?

You can decide when you want your direct debit payment to go out when you buy your policy.

There are no extra charges for paying by direct debit.

Change the direct debit date

Get in touch on 0345 075 4582^ if you need to change when payment goes out.

We may cancel your policy if payment is not made within 10 days of its due date.

^Call charges

How are the vet's fees paid?

We can often pay your vet direct, making the whole claim journey much easier and quicker for you.

If you need to make a claim either:

  • download a claim form
  • get in touch on 0345 075 4583^ and we'll send you a claim form

Send the completed form back to us and remember to include:

  • the vet’s invoices
  • your pet’s full clinical history.

Send your claim to:
Allianz Insurance plc
Great West House (GW2)
Great West Road
Brentford
Middlesex TW8 9DX.

Once we settle your claim, we’ll pay you by BACS where possible, or send a cheque.

^Call charges

Can I renew my pet insurance online?

You cannot renew online.

If you pay by monthly direct debit your policy will renew automatically.

If you pay by annual payment or wish to discuss your renewal please get in touch on 0345 075 4582^.

Our lines are open Monday to Friday from 9am to 5pm.

^Call charges

Are there any age limits for pet insurance?

We cannot give a quote for pets under the age of 6 weeks old.

The youngest age for cats and dogs is eight weeks if bought from a licensed breeder.

For new policies we will only insure:

  • cats younger than ten years old
  • select breed dogs younger than five years old
  • other dogs younger than eight years old.

Find out more about our eligibility rules.

Which dog breeds will you not cover?

We do not insure any dog that's on the dangerous dog register or any dog that is, or crossed with, a:

  • Pit Bull Terrier
  • Dogo Argentino
  • Perro de Presa Canario
  • Dogo Canario
  • Japanese Tosa
  • Fila Brasileiro
  • Czechoslovakian Wolfdog
  • Saarloos Wolfhound/Wolfdog, or any wolf hybrid.

We also don’t insure dogs used for security, guarding, track racing or coursing.