Affordable, no-nonsense Lifetime Pet Insurance

  • FREE 24/7 vet support
  • UK customer service
  • 15% multi-pet discount
  • Excesses from as low as £99
A Sheepdog and a cat in a circle
Get a quote in minutes

Save on the cost of pet care

Caring for your pets shouldn’t break the bank. That’s why our policies are built to keep costs low and value high – smart cover that saves you money while ensuring your pets get the quality care they deserve.

A happy Beagle

0% interest monthly plans

Pay monthly at no extra cost.
A Beagle sniffing

Excesses from £99

We've got one of the lowest excess rates around!
A Terrier dog

Save on pet medication

Average savings of 57% on prescription pet meds*
A cat nestled on the head of a Sheepdog

15% multi-pet discount

Cover all your cats and dogs with Now Pet to save money!

Affordable lifetime cover for UK cats and dogs of all ages

Lifetime policies (also known as reinstatement cover) help keep your pet covered for new illnesses and injuries, all under a single annual vet fee limit. As long as your policy is active, any ongoing or recurring conditions can continue to be treated year after year, with your benefits refreshing every year you renew. Find out more about our dog insurance cover and the lifetime protection available for your dog.

Start Plus Premier Premier Plus Platinum
Vet fee cover £1,000£2,000£3,000£4,000£5,000
Excess £99£99from £99from £99from £99
Complementary treatment YesYesYesYesYes
24/7 vet advice YesYesYesYesYes
Public liability (dogs) £1,000,000£1,000,000£1,000,000£1,000,000£1,000,000
Holiday cover £250£375£500£625£750
Holiday cancellation £250£375£500£625£750
Missing and stolen £250£375£500£625£750
Advertising and reward £250£375£500£625£750
Emergency boarding £250£375£500£625£750
Co-payment 10%10%10%10%10%
Quote now

FREE round-the-clock vet support included

Call anytime

Day or night, 
wherever you are.

Speak directly with 
a qualified vet nurse

Get expert advice 
on the spot.

Peace of mind, fast

From everyday niggles to bigger concerns, we’ve got you covered.

No need to stress, we can pay your vet direct

A Dalmatian dog at the vets

Having to find emergency funds to pay big vet bills can add additional stress during a traumatic time. If your vet accepts direct payment, we will happily pay them direct and deposit funds straight into their account (subject to claim approval and your veterinary practice accepting direct payments, excesses apply).

Our customers love our service and cover

We’re rated ‘Excellent’

What is lifetime pet insurance? Lifetime pet insurance (also known as 'reinstatement cover') covers your cat or dog for illnesses and injuries for as long as you keep your policy going, with no break in cover. This means that ongoing or recurring conditions, such as diabetes or arthritis, will continue to be covered year after year, giving you long-term peace of mind and protection for your pet.
Can I flex my excesses with Now Pet Insurance? Yes, you can choose between a £99 or £200 excess. Your excess is the amount you agree to pay towards your claim. A higher excess usually helps you to lower your premiums, while a lower excess means you’ll pay less if you claim. When you make a claim, you'll need to pay your chosen excess amount, and this will apply once per policy year. After the excess has been deducted, a 10% co-payment is also taken from the rest of your claim.
What can I do if I'm worried about my pet's health? With Now Pet, you'll get free 24/7 vet calls, giving you expert health advice wherever you are and whenever you need it, day or night.
Do I pay extra fees if I choose to pay monthly? There's 0% interest and no hidden fees for paying monthly. This makes it easier to spread the cost of your pet insurance without paying more.
Is pet insurance worth it? Pet insurance helps protect you from unexpected vet bills, which can often run into hundreds or even thousands of pounds. With lifetime cover, ongoing conditions are insured year after year, meaning you won’t have to choose between your finances and your pet’s health.
Why choose Now Pet Insurance over other providers? With lifetime cover as standard, flexible excesses, round-the-clock vet support, discounts on prescription medication, a generous 15% multi-pet discount, and a UK-based team, Now Pet Insurance combines life-long protection with value-for-money.
How can I save money on pet care with Now Pet Insurance? We help you to keep the costs of pet care down with exclusive discounts on prescription medications with our partner, Hyperdrug, plus get a 15% multi-pet discount when you insure more than one pet at the same time. Our monthly plans are interest-free too, making your payments more manageable.