The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

Lost and Theft Benefits Explained

lost and stolen petsMost pet insurance policies will pay for the costs of advertising for lost and stolen pets. In the unfortunate event that you fail to recover your pet, most policies will also pay a lost/theft benefit to provide compensation. These benefits are optional for some policies.


Normally your policy will pay for the costs of local advertising.

Most policies will also pay for a reward, provided that they have agreed this first (although usually not to relatives or someone who was looking after the pet when they disappeared!).

Some policies will also pay for other costs, e.g. the cost of making your own posters, or the cost of returning your pet to your home address.

Loss/Theft Benefit

In most cases, the amount paid for loss or theft is exactly the same as if your pet died.

If your pet is subsequently returned to you, any money claimed must be returned.

Proving Your Pet is Missing

Insurance companies normally require proof that you have reported your pet as missing to various authorities (such as the police, rescue organisations or your vet) within a certain number of days. The exact requirements and timescales will be specified in the policy.

Some policies also stipulate that you must make reasonable efforts to find your pet.

Exclusions to watch for

A few policies will exclude claims where:

More Benefits



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