Choose the vet fee limit that suits your dog: €3,000, €5,000 or €7,000, for treatment they may need because of an accident or illness.
Dog Insurance by Petinsurance.ie^
Dog Insurance Ireland | A wide choice of vet fee cover limits up to €7K
Dog Insurance – Providing Care for Your Furry Friends as Family 🐾
Dog insurance covers the cost of vet treatment when your dog gets sick or has an accident, so an unexpected bill doesn’t turn into a hard decision. Through Petinsurance.ie, you can choose from three cover types for your dog, Time Limited, Maximum Benefit and Lifetime, with vet fee limits up to €7,000, the highest available in Ireland. Whether you’ve a puppy, a rescue or an old faithful, there’s a level of cover to suit them and your budget.
🐶 Get Tail-Wagging Protection – Check Out Dog Insurance Plans!
Benefits and Features with Dog Insurance
If your dog injures someone or damages their property, you’re covered for up to €250,000.
If you’re hospitalised and can’t look after your dog, get up to €1,500 towards kennel, cattery or dog-minding costs.
If a vet recommends professional help for your dog’s mental or emotional wellbeing, that’s covered up to your chosen vet fee limit too.
Compare Our Dog Insurance Cover Types
You can choose from three types of cover, so you can pick what suits your dog's needs, your budget and how long you want cover to run for each condition. Generally, the more limited options cost less than the more comprehensive ones
| Time Limited | Maximum Benefit | Most Comprehensive Lifetime | |
|---|---|---|---|
| Vet fee limit | Choose a vet fee limit from €3,000, €5,000 or €7,000 | Choose a vet fee limit from €3,000, €5,000 or €7,000 | Choose a vet fee limit from €3,000, €5,000 or €7,000 |
| How long each condition is covered | Covers each new condition for up to 12 months | Covers each new condition up to a set amount | Cover limits refresh each year you renew |
| Long-term / ongoing conditions | Ongoing conditions are not covered once the 12-month time limit has expired or the vet fee limit is reached for that condition, whichever comes first | Ongoing conditions are not covered once the vet fee limit is reached for that condition | Covered up to your chosen vet fee limit. This limit refreshes each year you renew |
| 24/7 Assist Your Paws careline | Unlimited access | Unlimited access | Unlimited access |
| Get a Quote | Get a Quote | Get a Quote |
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Time Limited
- Vet fee limit
- Choose a vet fee limit from €3,000, €5,000 or €7,000
- How long each condition is covered
- Covers each new condition for up to 12 months
- Long-term / ongoing conditions
- Ongoing conditions are not covered once the 12-month time limit has expired or the vet fee limit is reached for that condition, whichever comes first
- 24/7 Assist Your Paws careline
- Unlimited access
Maximum Benefit
- Vet fee limit
- Choose a vet fee limit from €3,000, €5,000 or €7,000
- How long each condition is covered
- Covers each new condition up to a set amount
- Long-term / ongoing conditions
- Ongoing conditions are not covered once the vet fee limit is reached for that condition
- 24/7 Assist Your Paws careline
- Unlimited access
Most Comprehensive
Lifetime
- Vet fee limit
- Choose a vet fee limit from €3,000, €5,000 or €7,000
- How long each condition is covered
- Cover limits refresh each year you renew
- Long-term / ongoing conditions
- Covered up to your chosen vet fee limit. This limit refreshes each year you renew
- 24/7 Assist Your Paws careline
- Unlimited access
Every cover type includes unlimited access to our 24/7 Assist Your Paws careline - so you've always got someone to turn to, whatever type of cover you choose.
Optional Extras
Every policy can be tailored with the following optional extras.
Losing your pet can be a worrying time. If they’re lost or stolen and not found within 30 days, you’re covered up to their value (up to €3,000), plus up to €1,000 towards advertising and up to €500 towards a reward. Your dog needs to be microchipped for this cover to apply.
If the worst happens and your dog passes away from an illness (up to age 8) or an accident, this covers up to their value (up to €3,000), including at-home euthanasia and cremation or burial costs.
Taking your dog on the road? This covers trips within Ireland, the UK and the EU, for up to 180 days a year, including vet fees abroad, emergency repatriation, travel delay and quarantine costs.
Dog Insurance Frequently Asked Questions (FAQs) ✨
Three types: Time Limited, Maximum Benefit and Lifetime. Each covers vet fees for accidents and illnesses, with different limits and time periods, so you can choose what suits your dog and your budget. All three come with a choice of €3,000, €5,000 or €7,000 vet fee limits.
A few things sit outside every cover type, worth knowing before you buy:
- Pre-existing conditions: any injury, illness or condition that started, or first showed symptoms, before your policy began
- The waiting period: accidents within 48 hours, or illnesses within 14 days, of your policy start date aren’t covered (this doesn’t apply when you renew)
- Preventative and routine care: things like vaccinations, neutering, nail clipping, flea and worm treatments, or breeding and pregnancy
- Illnesses that vaccination could have prevented, if your dog isn’t up to date with their vaccinations
- Restricted breeds: Restricted breeds are not limited to breeds listed under the control of dogs act -any dog listed (including if they are mixed or crossed with) under the Third Party Liability section of your policy wording.
- Commercial, security, racing or breeding use, and incidents at your business or workplace
For the full list, see your policy wording document.
No. Dog insurance is there for unexpected vet bills, such as accidents or illness. It doesn’t cover routine or preventative treatment like vaccinations, neutering, or flea, tick and worming treatments. Your dog needs a yearly health check, including a dental check, to keep the cover valid.
Yes. There’s no upper age limit, and you can insure puppies from 8 weeks old.
No, pre-existing conditions aren’t covered. You also can’t claim for an illness that first showed symptoms within 14 days of your policy starting, or an accident or injury within the first 2 days.
The excess is the amount you choose to pay towards each claim, per condition, per policy year, from €75 to €275. If your dog is 5 or older, a 15% bill share also applies, calculated on what’s left after your excess. Full worked examples are in your policy wording.
Restricted breeds are not limited to breeds listed under the control of dogs act -any dog listed (including if they are mixed or crossed with) under the Third Party Liability section of your policy wording.
Our claims team can pay your vet directly. Please ask your vet if they’re happy to do this.
You can also ask your vet to submit the claim on your behalf, by clicking on the link on our claims page.
Learn more about Pet Safety & Insurance from our Recent Blog Posts….
Terms and Conditions
^This insurance is arranged and administered by Cover-More Blue Insurance Services Limited trading as Petinsurance.ie and underwritten by Burns & Wilcox Global Solutions Europe B.V. for and on behalf of the insurer, Sava Insurance Company d.d., Ulica Eve Lovše 7, SI-2000 Maribor, Slovenia. Sava are regulated by the Insurance Supervision Agency of Slovenia E.U. and passported on a freedom of service to the Republic of Ireland and is regulated by the Central Bank of Ireland for consumer protection rules. Cover-More Blue Insurance Services Limited is regulated by the Central Bank of Ireland.
AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland.