Pet Insurance: What's Covered

Vet's Fees

Cover up to £1,000 under Bronze, £3,000 under Silver and £5,000 under Gold. (Cover is provided on a per incident basis).
Many insurers limit payments for ongoing conditions to the first 12 months only. Buddies will continue to cover conditions without a time limit and, up to the policy limit, subject to cover remaining in force.

 

Early Death

If your pet dies as a result of an accident, or from injury or illness. We cover up to £250 on Silver and £750 on Gold policies.
This section does not apply in the case of dogs that are 9 or more years old and cats that are 11 or more years old.

 

Advertising/Reward

If your pet is lost or stolen, we shall pay for local advertising and offer a reward.
(Cover is up to £250 on Silver and £750 on Gold)

 

Theft or Straying

If your pet is not recovered in spite of the advertising and reward, we shall reimburse the purchase price up to £250 on Silver and £750 on Gold.

 

Third Party Liability

If your pet causes damage or injury to a third party, and you are legally liable, you are protected from claims up to £1,000,000, including legal costs. (Not applicable if you are already covered by your household policy) This applies to dogs only.

 

Accidental Damage

If your pet causes damage, to a third party, for which you are not legally liable but which you feel a moral obligation to pay for, we shall pay up to £500 (Excess - £100 each claim)*.

 

Boarding Kennel Fees

If you have to go into hospital for more than four days and are obliged to put your pet into a boarding kennel/cattery, we shall pay up to £250 on Silver and £1,000 on Gold policies*.