Insure your pet when they’re abroad

Just like us, pets can have accidents or get sick while they’re away. So if your pet is travelling with you and gets ill, isn’t allowed back into the UK after travelling or needs to come home in an emergency, our Holiday Cover can help.

Standard Premier Premier Plus
Trip cancellation up to £1,000
in each policy year
up to £1,500
in each policy year
up to £1,500
in each policy year
Quarantine &
loss of travel documents
up to £1,000
in each policy year
up to £1,500
in each policy year
up to £1,500
in each policy year
Emergency return home up to £1,000
in each policy year
up to £1,500
in each policy year
up to £1,500
in each policy year


These benefits are only covered if you’ve requested the optional Holiday Cover and they’re shown on your Certificate of Insurance. Cover in this section applies in the United Kingdom and agreed countries only.

Benefit and policy details

What’s covered:

You’ll be paid up to £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period of insurance for travel and accommodation expenses that you can’t recover if you, or any member of your family permanently residing with you, have to cancel or cut short your trip because your pet:

  1. Has gone missing while you are away.
  2. Is injured or shows the first clinical signs of any illness, while you are away, or up to 7 days before you leave, and needs immediate life-saving treatment.

What's not covered:

  1. The amount of the excess shown in your Certificate of Insurance.
  2. Any amount or expense resulting from a pre-existing condition.
  3. Any amount or expense resulting from an illness which starts in the first 14 days of cover.
  4. Any amount unless a vet has certified your pet is too ill to travel or has to return home for treatment.
  5. Any amount if your trip was made to get treatment abroad.
  6. Any amount you can claim back from anywhere else.
  7. The cost of food.
  8. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  9. Any amount if a claim has not been submitted within one year of your trip being cancelled. 

Claims evidence:

To make a claim, you’ll need:

  • A completed claim form.
  • Written confirmation of the treatment signed by your vet.
  • Cancellation invoices from your travel agent, tour operator or other holiday sales organisation. The invoices must show the dates and total cost of your holiday, the date you decided to cancel or return home and any expenses that you cannot recover.

The claim form and claims evidence must be sent within one year of your trip being cancelled.

Cover in this section applies in the agreed countries only

What's covered:

If your pet is either unable to return to the United Kingdom or must be quarantined on return to the United Kingdom because of:

  1. An illness first showing clinical signs during your trip,
  2. The failure of the microchip, or
  3. The travel documents being lost or stolen,

You will be paid up to a maximum of £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period of insurance for:

  1. The cost to keep your pet in quarantine.
  2. The cost of getting duplicate travel documents.
  3. The cost of temporary accommodation while getting the duplicate travel documents.
  4. Any extra costs to travel home if the time in getting duplicate travel documents has caused you to miss your scheduled travel arrangements back to your home.

Special conditions relating to claims:

  1. When the travel documents are left unattended they must be kept in your locked accommodation or in the locked boot, covered luggage area or glove compartment of a locked vehicle.
  2. If the travel documents are lost or stolen, within 24 hours of discovering them missing, you must report the incident to the police and obtain a police report. If the loss or theft occurred on a ship, aircraft, train or coach you must report the loss to the operator and obtain a report.

What's not covered:

  1. Any costs resulting from a pre-existing condition.
  2. Any costs resulting from an illness which starts in the first 14 days of cover.
  3. Any costs resulting from an injury that happens or an illness first showing clinical signs before the start of your trip.
  4. Any costs if the microchip was not checked and found to be functioning properly within the 14 days prior to your departure on any trip.
  5. Any costs that can be reclaimed from anywhere else.
  6. Any costs that result from the failure of any microchip that does not meet the standards ISO 11784 or ISO 11785
  7. More than 7 days’ accommodation and more than £30 for each day’s accommodation.
  8. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  9. Any amount if a claim has not been submitted within one year of the date your pet returns home. 

Claims evidence:

To make a claim, you'll need:

  • A completed claim form,
  • Documents showing your pet was micro-chipped prior to your trip with a microchip of ISO Standard 11784 or Annex A to ISO Standard 11785,
  • The booking invoices from your travel agent, tour operator or other holiday sales organisation showing the dates of your trip,
  • The invoices and receipts to show the costs being claimed, and
  • If applicable the police or operator’s report.

The claim form and claims evidence must be sent to us within one year of the date your pet returns home.

Cover in this section applies in the agreed countries only

What's covered:

If your pet is injured or shows the first clinical signs of an illness during your trip and can’t travel home the same way it travelled abroad, you’ll be paid up to a maximum of £1,500 on Premier and Premier Plus (£1,000 applies on the Standard policy) in each period insurance for:

  1. Extra costs to get your pet home,
  2. The cost of accommodation for you to stay after your scheduled date of travel home until your pet is well enough to travel, and
  3. If your pet dies, the cost of returning your pet’s body home or the cost of disposal in an agreed country.

What's not covered:

  1. Any costs resulting from an injury that happens or an illness first showing clinical signs before the start of your trip.
  2. Any costs that can be reclaimed from anywhere else.
  3. Any costs unless a vet has certified your pet is too ill to travel home the same way it travelled abroad.
  4. Any costs unless a vet has certified your pet is too ill to travel home on the scheduled date of departure.
  5. Any costs if your trip was made to get treatment abroad.
  6. More than 14 days’ accommodation costs and more than £30 for each day’s accommodation.
  7. The cost of a coffin, casket or other container for your pet’s remains.
  8. The cost of food.
  9. Anything mentioned in the General exclusions applicable to all sections of the policy or General exclusions only applicable to Section 5 – Holiday Cover.
  10. Any amount if a claim has not been submitted within one year of the date your pet returns home.

Claims evidence:

To make a claim you'll need:

  • A completed claim form.
  • The booking invoices from your travel agent, tour operator or other holiday sales organisation showing the dates of your trip.
  • The invoices and receipts to show the costs being claimed.

The claim form and claims evidence must be sent within one year of the date your pet returns home.


Ready to get a quote today?

You can take Holiday Cover as an optional extra on a new pet insurance policy for your cat or dog (or up to six pets on the same policy). They’ll need to be between eight weeks and nine years old – though once you have the policy you can continue the cover no matter how old your pet is, as long as you keep renewing it without a break. You can read more about the terms of our pet Holiday Cover in our policy documents.