Direct Line Pet Insurance Review

Before you get a pet you should ALWAYS weigh up the costs. Cats and dogs especially can cost thousands of pounds just in vet bills, not to mention all the toys you buy, the beds (particularly cats, they love beds), food of course, and all the other treats you love to give them.

This is why there are many insurance companies on the market that actively advertise they will insure your pet and amongst them is Direct Line. Although this company is far younger than many of the other names out there, in the short space of time they’ve been around they have become a household name.

Now, this could be because of the catchy T.V. advertising but, it’s more than likely down to the services they offer which are why customers keep coming back for more. One of those services is pet insurance. This is kind of obvious really considering the title to this piece!

Why Insure your Pet?

Well, we have yet to come across government funded medical cover for pets like the NHS although, keep that one quiet because who knows, you might end up having to pay a tax if you’ve got pets! So, when you do have to make an unexpected visit to the vets, you will have a bill to pay and, depending on the severity of the problem this could be something that leaves you dipping into your savings.

Some of the most obvious reasons you will need to make a visit to the vet without prior notice are:

  • Your dog finally decides he’s had enough of that squeaky ball and devours it! Leaving him with a very uncomfortable gut problem (dogs are not very bright sometimes) and a pretty smelly one for you!
  • Your cat thinks it will be a really good idea to jump a fence that’s way too high because he’s after a bird and ends up with an injury.
  • God Forbid, you pet is involved in an accident.
  • Equally as worrying, they develop symptoms that leave you thinking a serious illness might be the trouble.

These are just a few of the reasons why you will need a vet at short notice and Direct Line has thought all about them.

What You Can Expect with Direct Line Pet Insurance

There are two types of insurance for your pets from Direct line and these are: Essential and Advanced. The main difference between them is the amount of money you’ll be reimbursed if your cat or dog contracts an ongoing illness. For the Essential cover you will receive £4,000 and for Advanced you will receive £6,000. It’s worth noting here that if your pet has multiple conditions, you will receive the same amount for each however, cover will stop after 12 months when you take out the Essential cover, with the advanced policy, there is no limit.

For either policy you will also receive the benefits detailed below:

  • A Helpline so you can find a vet quickly.
  • Should you need it (and this is probably more in the case of dogs than cats), a legal helpline will be made available to you.
  • It’s a sad fact that most of us will outlive our pets and for that reason Direct Line has a bereavement helpline for all its policy holders.
  • UK only based call centres.

What’s unique about Direct Line pet insurance is the way in which you can tailor your policy to suit you. When you use the link on our website to take a look, you will notice all the information given above however, there is a step 2 and this is where you can choose various other benefits so you get the best from the policy for your pet.

Here Goes….

Additional Benefits

  • If you have to stay in hospital boarding fees for your pet will be covered.
  • If your pet is lost or stolen you will receive compensation for offering a reward and/or claim advertising costs.
  • If you have to cancel your holiday and lose money, Direct Line will cover the loss.
  • If accidental death occurs, you will also be covered.

Overseas Travel

  • You will be covered for the loss of your pet’s passport.
  • Additional worming or tick treatment.
  • Any emergency expenses you may incur (for your pet, not you), will be covered.
  • If quarantine is required, you can choose to cover that as well.

Why Direct Line Will Not Cover Your Pet

Of course, there are certain conditions that may prevent you from being able to take out a policy but these are pretty standard across all insurance companies.

  • Dangerous and working dogs are excluded.
  • No cover for illnesses or injuries that occurred prior to the policy start date.
  • Your pet must be between 8 weeks and 11 years old (6 years for some breeds of dog).
  • You must reside in the UK.




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