Why Pet Parents Choose Top Dog Cover
We are proud to offer comprehensive dog insurance that covers dogs aged 8 weeks and upwards
Simple online quote process
Get a low cost online quote in minutes for your dog with our simple online quote form and enjoy peace of mind for your furry family member
24/7 LIVE chat helpline
Get veterinary support when you need it and chat with one of our online specialists.
Pawfect Cover
Lifetime veterinary fees cover from £1,000 up to £8,000 and a whole host of other benefits included.
Multi pet discount
When you insure more than one pet with Top Dog Cover we'll provide you with a discount, our way of saying thank you.
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Get Your Instant QuoteWhat do I need to get my instant online quote?
Before you start your quote for pet insurance with Top Dog Cover you’ll need to have a few key pieces of information available. It's a fairly straight forward process and you’ll be guided through each step with helpful hints, explaining the process and main points along the way. If you need further help, please give us a call.
About your dog
We need to know a little bit about your dog. Your pets age, including month and year of birth, it's breed, pedigree or crossbreed.
A little bit about you
It's all about your furry friend really, however we do need to know where you and your dog live and how long you've been pals.
Your dogs health
We'll need to know if your pooch has any pre-existing conditions, had any past surgeries or chronic issues.
Choose your cover level
Top Dog Cover make it pretty simple, we provide a set package of benefits, all you need to do is choose the level of vet's fees cover you require and the excess amount you're happy with.
Need a littile more help with your Quote?
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Top Dog Cover: A summary of what's and isn’t covered?
What’s not covered
What’s covered
*Cover is offered subject to our acceptance and as outlined in our policy documentation, which is available to view before purchasing a policy.
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What are the benefits of Lifetime pet insurance over other types of cover?
The main benefit of lifetime pet insurance is that it provides coverage for ongoing or recurring health issues like allergies or arthritis. This offers financial relief for treatments, medication, and veterinary visits, giving you peace of mind that you won’t face large bills for known conditions.
You can have peace of mind knowing that cover will continue without exclusions being placed on your policy. It turns a potential financial burden into manageable costs, allowing you to focus on your pet’s care rather than just the expense.
Peace of mind so you can enjoy life with your furry friend
Financial support for known issues covers costs for ongoing treatment, therapies, prescription food, and medication covers conditions such as diabetes, allergies, or arthritis
Reassurance that if your pet’s chronic condition flares up, you have financial help for ongoing care
Continued care should things get worse
Coverage for worsening conditions, including cover for new treatments or medication for pre-existing conditions should they get worse or change
Ongoing support for chronic conditions. With lifetime cover from Top Dog Cover, you can claim year after year, with the limit resetting annually (as long as the policy is renewed without a break)
Predictable costs so you can budget effectively
Cost management to help manage potential, high-long-term costs Helps reduce expenses associated with chronic illnesses over your pet’s lifetime
Comprehensive benefits to suit all budgets
Choose vet fees cover from £1,000 up to £8,000 Select the amount you pay towards any claims Includes cover for dental treatment, theft & straying, and death from illness or accident access to The Vet Connection, a 24/7 support service offering advice on all aspects of pet care
Find out more
Read Our FAQsCompare Pet Insurance Policy Types
Pet Insurance is becoming more popular as the cost of treatment for your furry friend becomes more expensive should you need to visit the vet. It can also be very confusing if you haven't had pet insurance before and are buying for the very first time. There are different types of pet insurance cover available, and a vast array of different plans and cover levels provided by most insurers. We like to think we offer a simple pet insurance offering and have put together the following guide to help you understand the different types of dog and cat insurance available.
| Accident Only | Time Limited | Maximum Benefit | Lifetime | |
|---|---|---|---|---|
| Accidents |
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|
|
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| Illnesses | — |
|
|
|
| Death from Illness or Accident | — |
|
|
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| Policy limitations on accepted pre-existing conditions |
|
— | — | — |
| Excess applicable for accepted pre-existing conditions |
|
— | — | — |
| Waiting period for pre-existing conditions when switching from another insurer |
|
— | — | — |
| Vet helpline, webchat and video consultation included free |
|
— | — | — |
* Cover and acceptance are subject to eligibility criteria for all insurers.
This information is correct as of November 2024. You should conduct your own research before deciding to purchase any policy; this could be an important long-term financial decision.
How are Top Dog Cover quotes calculated?
STEP 1
About Your Dog
We'll need to know your dogs
- Age & date of birth
- Breed (pedigree or crossbreed)
- Purchase price (if applicable)
STEP 2
About You
A little bit about you
- Your name & address
- Ownership details
- How long you’ve had your dog
STEP 3
Your Dogs Current Health
Your dogs current health
- Any existing conditions
- Past injuries or surgery
- Recent medical treatment
STEP 4
Choose Your Cover
Select a suitable cover option
- Select your vet fee limit
- Cover from £1,000 – £8,000
- Flexible options to suit your budget
Top Dog Cover is just a CLICK away
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Explore our expert health advice for your Dog
Get the latest Top Dog Cover health advice and well being guidance for your dog, a wealth of information on caring for and sharing your life with your dog.
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Deciding to get a dog is an exciting time for a family. It is not a decision that is taken lightly, and it is important to be prepared for your new arrival and be aware of what to expect. In this article we offer our top 5 tips for first time dog owners.
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Dietary Advice for Your Dog
Recently there has been a rise in the number of companies offering “fresh” dog food. In this article we ask the question, is fresh dog food really more beneficial to your dog’s health? We also ask, what is the optimal diet for your dog?
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Does Your Dog Bark Excessively?
Barking is natural behaviour for any dog, a bark can be an indication that your dog wants to get your attention, or it can also be a way for your dog to show distress. Excessive barking can however be challenging for owners, in this article we look at ways to stop your dog from barking all the time.
Read More
5 Tips for Raising a Friendly Dog
We all long for a well-behaved pup. What most dog owners don’t realise, however, is that this is determined by the amount of exposure your dog gets to social settings from an early age.
Read MoreSubscribe for expert health advice direct to your inbox
Take a look at what our lovely customers are saying about Top Dog Cover
“Really easy to use and exactly what the industry needs”
Jonathan from London
July 2025“Fabulous! Pretty straight forward and a relief to know my dog is insured!”
Ana from Woking
January 2024“Easy process to set up, I had a few questions about cover which I got helpful and timely responses to.”
Angela from Nottingham
April 2025“Great website, easy to use and get a quote!”
Jason
April 2026
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