Fluffy Pet Insurance
Fluffy is not traditional pet insurance. They're on a mission to make pet care simple and affordable. They offer three levels of Lifetime Pet insurance cover for vet fees including illnesses and accidents. Every policy comes with the Fluffy app that has free training support from world-leading experts, 24/7 vet chats and nutritional advice with the added bonus of earning rewards for taking better care of your pet. Terms & Conditions apply.
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Fluffy Pet Insurance offers Lifetime Cover pet insurance policies with the ability to earn discounts on pet food, treats, toys and more by following expert advice. There are three levels of Lifetime cover policy to choose from. Their policies cover vet fees up to £10k, advertising and reward costs and compensation if your pet is stolen or strays, third-party liability, accidental damage caused by your pet to a third parties property, death from accident or illness (if your dog is under 8 and your cat is under 10), holiday cancellations and EU travel up to 30 days, boarding fees if you need to stay in hospital with different payout limits dependent on the cover you buy. There are lower limits for CT and MRI diagnostics, cruciate ligament treatment, complementary medicine or treatments and dental treatments as a result of an accident. Full details can be found on the joinfluffy.com website.
Lifetime Insurance is the most comprehensive level of pet insurance. It will provide cover for accidents and illnesses including ongoing conditions for the duration of the pet's life as long as the policy is renewed and there is no break in cover. You can choose between three levels of vet fee cover; £5,000, £7,500 and £10,000 per year. The annual vet fee limit is refreshed when you renew the policy. Pre-existing conditions are not covered. Some dog breeds are excluded as are dogs that have demonstrated aggression.
When you buy Fluffy Pet Insurance you get a free subscription to the Fluffy app which gives you access to a 24/7 vet helpline, over 100 dog training courses from world-leading experts and 24/7 access to specialist dog trainers and behaviourists. If you follow their trainers and vets advice you can earn points that give you access to special deals on pet food, treats and more, offering up to 50% off.
There is a fixed excess of £99 for every claim. There is an additional compulsory 10% of claim excess for pets who are 5 or over on the start date of the policy.
Cover available from 8 weeks of age. The upper age limits are 8 years for dogs and 10 years for cats. If you already have a policy it'll continue for as long as you renew your policy.
Claims will not be paid for 48 hours from the start date of the policy for accidents and 14 days for all other types of claim. Cruciate ligament problems that occur in the first 30 days are not covered.
Certain dog breeds are not eligible for this insurance. Please see the joinfluffy.com for details. There are inner policy limits for: complementary medicine of £750; cruciate ligament disorders of £3,000; dental treatment as a result of an accident of £750; CT and MRI scans of £1,000.
You can choose to get reimbursed for your claim directly or can ask Fluffy to pay your vet.
All policies are subject to exclusions and conditions so please always consult the insurer's website and policy documents before you buy. Certain dogs are excluded from cover. All pre-existing conditions are excluded from all policies.
Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.
At Fluffy, their philosophy is centered around putting customers first. They say they understand that pet parents have unique needs when it comes to caring for their pets, and believe that providing a comprehensive, affordable and accessible service is the key to achieving this goal. Fluffy is proud to work with Cover More, part of Zurich Insurance Group, one of the largest insurers in the world. They report that this partnership allows them to provide their customers with world-class coverage and exceptional customer service. Unlike traditional pet insurance providers, Fluffy is not just about covering the cost of unexpected veterinary bills. They are committed to providing a range of services that help pet parents keep their pets healthy and happy. They want to be your partner in pet care, providing you with free pet training, 24/7 vet support, unlimited chats with trainers and behaviourists, discounts on pet food, treats and much more. Their team of experienced pet care specialists is available to answer your questions and provide you with the support you need, every step of the way.