Post Office

Ranked

#24
24 of 24 insurers by customers

Post Office provide dog, cat and rabbit pet insurance products. You can choose between Lifetime Cover policy options as well as Maximum Benefit and Time Limited policies, so there's sure to be a policy to suit you and your pet.  

For dog and cat Lifetime pet insurance cover you can choose between £1,000, £3,000, £4,500 and £7,000 worth of vet fee cover. The Lifetime Cover offers protection for illnesses and accidents that occur after the policy is taken out and provide lower limit cover for complementary treatments, physiotherapy, holiday cancellation, death, cremation and burial costs, contributions towards finding your pet if they are lost, and costs associated with foreign travel. The lower limits vary depending on the level of Lifetime Cover you buy. There is also £2,000,000 third Party Liability Cover included for dogs in case your pet harms another person or damages their property. The Post Office £7,000 Lifetime Cover product was given a 5 star rating by Defaqto and Moneyfacts in 2023. Post Office Insurance was also the winner of the Best Pet Insurance Provider at the YourMoney Personal Finance awards in 2024.

Post Office provides Lifetime pet insurance cover for rabbits with up to £2,000 vet fees cover. The Lifetime Cover offers protection for illnesses and accidents that occur after the policy is taken out.

The Post Office Maximum Benefit Policy, available for dogs and cats,  offers £2,000 vet fee cover for each of your pet's conditions or accidents until the limit is reached. Once the limit for a particular condition or accident is reached that condition will no longer be covered. Their Time Limited Pet Insurance policy covers each condition your pet develops up to £2,000 of vet fees or until 12 months has elapsed since your first start receiving treatment for that condition, whichever occurs first.   Once the vet fee limit or the time limit is reached that condition will no longer be covered.

Maximum Benefit and Time Limited cover policies, available for dogs and cats,  also offer lower limit cover for complementary treatments, theft or straying, holiday cancellation and a contribution to finding your pet.
The Post Office also offer a 24/7 veterinary helpline with live chat or video call options, on dog, cat and rabbit policies, so there is always support and advice on hand if you are worried about your pet and claim to pay 99% of claims within 5 working days.* They offer multi-pet discounts, too. **

*99% of claims paid in 5 working days. Based on Post Office Pet Insurance claims data from July 2022 to June 2023.
**Multi-pet discount is a minimum of £24 when insuring more than one pet, as this is worked out at £1 per pet per month for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.  

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Coverage

Lifetime Pet Insurance Cover: For dog and cat policies, choose between £1,000, £3,000, £4,500 or £7,000 worth of vet fee cover per year for all conditions, illnesses and accidents that occur after the policy is taken out. Vet fees cover for rabbit policies is up to £2,000 per year. Pre-existing condition are not covered. All Lifetime Pet Insurance policies will cover your pet for life as long as you keep the policy in place and pay the premiums. The Lifetime policies also offer lower cover limits (that vary depending on level of vet fee cover policy you buy) for complementary treatments, physiotherapy, death from accident or illness, cremation and burial cost, offer a contribution to finding your pet if it is lost and pay if your pet is stolen or strays. The policies also cover boarding fees if you are hospitalised, holiday compensation if you have to cancel due to your pet's health and your pet is covered if you travel abroad for up to 90 days a year.


Maximum Benefit Cover (Dog and Cat only): Offers £2,000 vet fee cover for each new condition until the limit is reached. Once the limit is reached that condition is no longer covered. Lower limits cover certain treatments or types of claim.


Time Limited Cover (Dog and Cat only):  Offers £2,000 vet fee cover for each new condition until the vet fee limit is reached or 12 months have elapsed from when you start treatment for that condition, whichever occurs first. That condition is then not covered. There are lower limits for some treatment types and types of claim.   
For all policy types, certain dog breeds are not covered. For some dog breeds you can only start a new policy if they are less than 5 years old. Please check Terms and Conditions when choosing your policy.     

Excess

Excess payments, or the amount you contribute to each claim is variable and depends on your pet's age.  

 

Age Limits

Dogs are eligible to start their policy from 8 weeks of age up to their 8th birthday. Certain dog breeds are only eligible up to their 5th birthday. Cats can be covered from 8 weeks until their 10th birthday. Rabbits can be covered from 8 weeks to their 5th birthday. Once insured you can continue your pet's insurance for life.

 

Waiting Period

You are covered for accidents after the first 3 days and for illnesses after the first 14 days of your policy. If you can provide evidence that your pet is previously insured up to the start date of the policy, this waiting period is waived.

 

Additional Policy Information

24/7 vet help line available for calls or video calls.

Can they pay your vet direct?

Yes, they can pay your vet direct.

Please note

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. 

 

Company info

Post Office® Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance plc.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 110866. Pinnacle Insurance plc is registered in England and Wales. Registered number 1007798. Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX.

 

Post Office Pet Insurance