Top Dog Cover
Because your pet's health is Priceless
Simple online quote process- Up to £10,000 Lifetime vet fees cover
- Comprehensive cover and a choice of plans
- Up to 10% multi pet discount
Top dog cover is just a CLICK away
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Woofing Great Cover When You Need It Most
Find the right insurance cover for you and your pet
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
Comprehensive cover
Choose a plan that suits you and your budget. If you need more information about the different types of pet insurance cover available please take a look at our compare section.
Pawfect Cover
Lifetime veterinary fees cover from £1,000 up to £10,000 and a whole host of other benefits included.
Multi pet discount
Top Dog Cover is just a CLICK away
Get Your Instant QuoteGetting a Top Dog Cover quote is simple!
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 get in touch with us.
About your dog
A little bit about you
Your dogs health
Choose your cover level
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 a pet insurance policy providing lifetime cover is that it can provide coverage for ongoing or recurring health issues year after year. 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 issues arising with continued cover for ongoing treatment, therapies, prescription food, and medication.
Reassurance that if your pet becomes ill and then suffers from a chronic condition, 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 £10,000 Select the amount you pay towards any claims Includes cover for dental treatment, theft & straying, and death from illness or accident .
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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 |
|
|
|
|
| Illnesses | — |
|
|
|
| Death from Illness or Accident | — |
|
|
|
| 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 |
|
— | — | — |
| Feature |
Accident Only
|
Time Limited
|
Maximum Benefit
|
Lifetime Coverage
|
|---|---|---|---|---|
|
What it Covers
|
Accidents only (cuts, injuries, broken bones) | Accidents + illnesses (limited period) | Accidents + illnesses (per condition limit) | Accidents + illnesses incl. chronic conditions |
|
How Long It Pays
|
Per accident until limit reached | Usually 12 months per condition | Until financial limit reached (no time cap) | Renews every year (lifetime) |
|
Coverage Limit
|
Fixed amount per accident | Fixed amount per condition per year | Fixed pot per condition | Annual limit resets every year |
|
Illness Coverage
|
No
|
Yes (time-limited)
|
Yes (until limit)
|
Fully covered
|
|
Chronic Conditions
|
Not covered
|
12 months only
|
⚠Until limit
|
Fully covered
|
|
Claims Reset
|
Annual reset
|
No
|
No
|
Yes yearly
|
|
Typical Cost
|
£ Cheapest | ££ Low–Mid | £££ Mid–High | ££££ Highest |
|
Best For
|
Basic low-cost injury protection | Short-term or budget needs | Long-term manageable issues | Full lifetime protection |
|
Common Exclusions
|
Illness, routine care, pre-existing | Pre-existing + illness after 12 months | After limit reached | Pre-existing + waiting period |
|
Risk Level
|
High
|
High
|
Medium
|
Low
|
Quick Summary
- Accident Only → Cheapest, no illness cover
- Time Limited → Covers illness but only 12 months
- Maximum Benefit → No time limit but capped per condition
- Lifetime → Most complete, covers long-term conditions yearly
* 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.
5 Tips for First Time Dog Owners
Dietary Advice for Your Dog
Does Your Dog Bark Excessively?
5 Tips for Raising a Friendly Dog
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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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