Kennel Club

Is Kennel Club Pet Insurance Any Good? Reviews 2025

Our expert's opinion on Kennel Club

Last update: 27 May 2025
Kennel Club
Kennel Club
4.3
hellosafe-logoScore
Charlotte Green
Charlotte Green

Kennel Club Pet Insurance stands out as a leading specialist dog insurer in the UK, with four lifetime formulas (Lite, Lifetime, Lifetime Plus, Lifetime Premium) tailored to diverse needs. Its veterinary fee cover is among the market’s most generous, reaching up to £25,000 annually, and uniquely features no per-condition or per-claim caps—placing it at the high end for both comprehensiveness and limits compared to major competitors like Petplan, Animal Friends, and Agria. Reimbursement processes include both a fixed and percentage excess (details vary per plan) and do not penalise policyholders with higher premiums after claims. Kennel Club does not skimp on preventive care; all policyholders benefit from a 24/7 video vet service and optional add-ons such as overseas travel, death, theft, breeding cover, and holiday cancellation, allowing for truly broad protection.

Kennel Club is particularly suitable for pedigree and high-value dogs, animals with chronic or lifelong conditions, and owners seeking strong reimbursement rates and high annual ceilings, as well as those prioritising service and reassurance over rock-bottom price. Its flexibility will also appeal to responsible breeders and families seeking robust third-party liability and breeder-specific options.

The insurer is backed by Agria Pet Insurance Ltd, a solid and longstanding specialist, and all financial operations are fully FCA regulated. The product enjoys a 4.7/5 rating on Trustpilot from 1,929 reviews – one of the highest for a pet insurance provider – and handles around 98% of claims successfully, with customer feedback repeatedly praising prompt, compassionate payouts and clear, professional communication. Average processing times for claims are reported as rapid, helping to remove financial stress at difficult moments.

  • Up to £25,000 annual vet fees, no per-claim or annual caps
  • Four strong lifetime cover formulas, wide add-on options
  • No premium increase after a claim
  • Awarded 5-star Defaqto and Which? Best Buy ratings
  • 24/7 vet video consultation app, included for all
  • High claim approval (98%) and fast payout reputation
  • Trustpilot 4.7/5 from 1,929 reviews, excellent service
  • Typically higher premium versus some digital rivals
  • Fixed and percentage excess apply, varies by plan
  • Precise limits and excesses not transparent pre-quote
  • Excludes cover for pre-existing conditions, many dental
  • No full process digitalisation; claims still often require forms
  • Up to £25,000 annual vet fees, no per-claim or annual caps
  • Four strong lifetime cover formulas, wide add-on options
  • No premium increase after a claim
  • Awarded 5-star Defaqto and Which? Best Buy ratings
  • 24/7 vet video consultation app, included for all
  • High claim approval (98%) and fast payout reputation
  • Trustpilot 4.7/5 from 1,929 reviews, excellent service

Our expert's opinion on Kennel Club

Last update: 27 May 2025
Charlotte Green
Charlotte Green
Kennel Club
Kennel Club
4.3
hellosafe-logoScore
Kennel Club Pet Insurance stands out as a leading specialist dog insurer in the UK, with four lifetime formulas (Lite, Lifetime, Lifetime Plus, Lifetime Premium) tailored to diverse needs. Its veterinary fee cover is among the market’s most generous, reaching up to £25,000 annually, and uniquely features no per-condition or per-claim caps—placing it at the high end for both comprehensiveness and limits compared to major competitors like Petplan, Animal Friends, and Agria. Reimbursement processes include both a fixed and percentage excess (details vary per plan) and do not penalise policyholders with higher premiums after claims. Kennel Club does not skimp on preventive care; all policyholders benefit from a 24/7 video vet service and optional add-ons such as overseas travel, death, theft, breeding cover, and holiday cancellation, allowing for truly broad protection. Kennel Club is particularly suitable for pedigree and high-value dogs, animals with chronic or lifelong conditions, and owners seeking strong reimbursement rates and high annual ceilings, as well as those prioritising service and reassurance over rock-bottom price. Its flexibility will also appeal to responsible breeders and families seeking robust third-party liability and breeder-specific options. The insurer is backed by Agria Pet Insurance Ltd, a solid and longstanding specialist, and all financial operations are fully FCA regulated. The product enjoys a 4.7/5 rating on Trustpilot from 1,929 reviews – one of the highest for a pet insurance provider – and handles around 98% of claims successfully, with customer feedback repeatedly praising prompt, compassionate payouts and clear, professional communication. Average processing times for claims are reported as rapid, helping to remove financial stress at difficult moments.
  • Up to £25,000 annual vet fees, no per-claim or annual caps
  • Four strong lifetime cover formulas, wide add-on options
  • No premium increase after a claim
  • Awarded 5-star Defaqto and Which? Best Buy ratings
  • 24/7 vet video consultation app, included for all
  • High claim approval (98%) and fast payout reputation
  • Trustpilot 4.7/5 from 1,929 reviews, excellent service
  • Typically higher premium versus some digital rivals
  • Fixed and percentage excess apply, varies by plan
  • Precise limits and excesses not transparent pre-quote
  • Excludes cover for pre-existing conditions, many dental
  • No full process digitalisation; claims still often require forms
  • Up to £25,000 annual vet fees, no per-claim or annual caps
  • Four strong lifetime cover formulas, wide add-on options
  • No premium increase after a claim
  • Awarded 5-star Defaqto and Which? Best Buy ratings
  • 24/7 vet video consultation app, included for all
  • High claim approval (98%) and fast payout reputation
  • Trustpilot 4.7/5 from 1,929 reviews, excellent service
Table of Contents
  • Kennel Club Guarantees
  • Kennel Club Exclusions
  • Kennel Club Rates
  • Kennel Club Assistance
  • Customer feedback on Kennel Club
  • How to contact Kennel Club?
  • FAQ
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Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the market each year, delivering a reliable and impartial analysis for you. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us every month to assist them with their most important financial decisions.

Kennel Club Guarantees

Kennel Club offers a specialist range of Lifetime dog insurance formulas (Lite, Classic, Plus, Premium) that focus on comprehensive long-term protection, including up to £25,000 annual vet fees and extensive third-party liability as standard.

Key strengths include highly rated claims service (98% paid, no premium rise for claims), free 24/7 vet video calls, cover for ongoing and recurring conditions, and strong customer satisfaction but are primarily oriented towards dogs, with specific breeder and puppy options available.

Preventive care is limited, typically only reimbursing part of clinical diets and select therapies, and strict exclusions persist for pre-existing conditions, omitted vaccinations, and certain breeds.

Optional guarantees such as death, theft, holiday cancellation, breeding, and overseas travel extend versatility, though actual benefit caps and excess amounts depend on the formula chosen (not publicly specified).

Kennel Club stands out for its high single-incident and lifetime limits, minimal policy restrictions compared to some competitors, and robust reputation, though lack of detailed public tariffs or clear prevention packages may hinder direct comparison.

Guarantee / FormulaLifetime LiteLifetimeLifetime PlusLifetime Premium
Positioning of the formulaEntry-level lifelongCore lifelong coverEnhanced lifelong coverTop tier lifelong cover
Type of coverageAccident & illnessAccident & illnessAccident & illnessAccident & illness
Animals coveredDogs onlyDogs onlyDogs onlyDogs only
% reimbursementNCNCNCNC
Annual vet fee reimbursement ceilingNCNCNCUp to £25,000
Annual/per-act excessNCNCNCNC
Min/max age for subscription - dogsMin. 8 weeks, max NCMin. 8 weeks, max NCMin. 8 weeks, max NCMin. 8 weeks, max NC
Min/max age for subscription - cats
Health questionnaire before joiningNCNCNCNC
Waiting period (illness)10 days10 days10 days10 days
Waiting period (accident)ImmediateImmediateImmediateImmediate
Lifetime cover guaranteed once subscribed?
Vet consultations (routine/urgent)
Medications
Hospitalization
Ambulance/transport
Surgery, anaesthesia
Scans, MRI, ultrasound
Laboratory analyses
Radiotherapy
Dental carePartial (see exclusions)Partial (see exclusions)Partial (see exclusions)Partial (see exclusions)
Descaling (routine)
Prevention package (amount, items covered)Partial: 50% diet up to £250 (lifetime/illness)SameSameSame
Alternative therapiesPartial reimbursement (see Schedule)SameSameSame
Therapeutic food50% up to £250 per conditionSameSameSame
Countries covered / travelUK (+21d Ireland)UK (+21d Ireland)UK (+21d Ireland)UK (+21d Ireland, add. travel option up to 120d)
Death, cremationOptional (if chosen, purchase price/market value, cremation up to £150)OptionalOptionalOptional
EuthanasiaCremation/euthanasia covered up to £150SameSameSame
Theft/loss and investigation feesOptional (if chosen)Optional (if chosen)Optional (if chosen)Optional (if chosen)
Boarding feesOptional (if chosen)Optional (if chosen)Optional (if chosen)Optional (if chosen)
Kennel Club Lifetime dog insurance comparison: coverage by formula
Positioning of the formula
Lifetime Lite
Entry-level lifelong
Lifetime
Core lifelong cover
Lifetime Plus
Enhanced lifelong cover
Lifetime Premium
Top tier lifelong cover
Type of coverage
Lifetime Lite
Accident & illness
Lifetime
Accident & illness
Lifetime Plus
Accident & illness
Lifetime Premium
Accident & illness
Animals covered
Lifetime Lite
Dogs only
Lifetime
Dogs only
Lifetime Plus
Dogs only
Lifetime Premium
Dogs only
% reimbursement
Lifetime Lite
NC
Lifetime
NC
Lifetime Plus
NC
Lifetime Premium
NC
Annual vet fee reimbursement ceiling
Lifetime Lite
NC
Lifetime
NC
Lifetime Plus
NC
Lifetime Premium
Up to £25,000
Annual/per-act excess
Lifetime Lite
NC
Lifetime
NC
Lifetime Plus
NC
Lifetime Premium
NC
Min/max age for subscription - dogs
Lifetime Lite
Min. 8 weeks, max NC
Lifetime
Min. 8 weeks, max NC
Lifetime Plus
Min. 8 weeks, max NC
Lifetime Premium
Min. 8 weeks, max NC
Min/max age for subscription - cats
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Health questionnaire before joining
Lifetime Lite
NC
Lifetime
NC
Lifetime Plus
NC
Lifetime Premium
NC
Waiting period (illness)
Lifetime Lite
10 days
Lifetime
10 days
Lifetime Plus
10 days
Lifetime Premium
10 days
Waiting period (accident)
Lifetime Lite
Immediate
Lifetime
Immediate
Lifetime Plus
Immediate
Lifetime Premium
Immediate
Lifetime cover guaranteed once subscribed?
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Vet consultations (routine/urgent)
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Medications
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Hospitalization
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Ambulance/transport
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Surgery, anaesthesia
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Scans, MRI, ultrasound
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Laboratory analyses
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Radiotherapy
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Dental care
Lifetime Lite
Partial (see exclusions)
Lifetime
Partial (see exclusions)
Lifetime Plus
Partial (see exclusions)
Lifetime Premium
Partial (see exclusions)
Descaling (routine)
Lifetime Lite
Lifetime
Lifetime Plus
Lifetime Premium
Prevention package (amount, items covered)
Lifetime Lite
Partial: 50% diet up to £250 (lifetime/illness)
Lifetime
Same
Lifetime Plus
Same
Lifetime Premium
Same
Alternative therapies
Lifetime Lite
Partial reimbursement (see Schedule)
Lifetime
Same
Lifetime Plus
Same
Lifetime Premium
Same
Therapeutic food
Lifetime Lite
50% up to £250 per condition
Lifetime
Same
Lifetime Plus
Same
Lifetime Premium
Same
Countries covered / travel
Lifetime Lite
UK (+21d Ireland)
Lifetime
UK (+21d Ireland)
Lifetime Plus
UK (+21d Ireland)
Lifetime Premium
UK (+21d Ireland, add. travel option up to 120d)
Death, cremation
Lifetime Lite
Optional (if chosen, purchase price/market value, cremation up to £150)
Lifetime
Optional
Lifetime Plus
Optional
Lifetime Premium
Optional
Euthanasia
Lifetime Lite
Cremation/euthanasia covered up to £150
Lifetime
Same
Lifetime Plus
Same
Lifetime Premium
Same
Theft/loss and investigation fees
Lifetime Lite
Optional (if chosen)
Lifetime
Optional (if chosen)
Lifetime Plus
Optional (if chosen)
Lifetime Premium
Optional (if chosen)
Boarding fees
Lifetime Lite
Optional (if chosen)
Lifetime
Optional (if chosen)
Lifetime Plus
Optional (if chosen)
Lifetime Premium
Optional (if chosen)
Kennel Club Lifetime dog insurance comparison: coverage by formula
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Good to know

  • All policies require up-to-date core vaccinations (distemper, hepatitis, leptospirosis, parvovirus).
  • Breeder/puppy coverage and travel extensions are only available if selected.
  • Complementary/alternative therapies, behavioural consults, and certain high-cost treatments have sub-limits (e.g., PRP £750, stem cell £1,500, behaviourist £750/disorder).
  • Dental coverage is restricted to treatments due to illness/injury and excludes routine scale-and-polish.
  • There is no cover for pre-existing conditions or illnesses arising during the waiting period.
  • Some dangerous breeds and dogs used for commercial gain (except approved service) are excluded.

Compare carefully to find the formula and options best suited to your pet’s needs and to take advantage of the best price.

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Kennel Club Exclusions

Kennel Club Lifetime Dog Insurance presents exclusions common to the UK market—such as pre-existing conditions, illnesses arising in the first 10 days, and non-essential procedures—but stands out for its strict rules on breeding (restricting cover if the dog is under 1 or over 8 at pregnancy or has more than four litters) and requiring all complementary/rehab care to be provided by accredited professionals, which can be more stringent than some peers.

The policy systematically excludes incidents relating to certain breeds under the Dangerous Dogs Act, as well as loss or theft claims not promptly reported or lacking robust proof of ownership, going beyond mere loss notification.

Cover abroad is limited to 120 days in PETS-compliant countries, and any breach of microchipping or health regulations results in exclusion—even in quarantine or travel sections.

Related to third-party liability, cover excludes not just direct family/household claims or incidents with deliberate acts, but also all motor vehicle-linked incidents and any claims for communicable disease transmission.

General exclusions reinforce legal compliance, dog identification, and territorial rules, while Kennel Club’s transparency on exclusions and requirement for regular vaccinations set a high bar for responsible ownership.

ExclusionsDetails
Medical exclusions- Pre-existing illnesses or injuries
- Illnesses arising within the first 10 days (unless renewing)
- Veterinary treatment before policy starts or after it ends
- Routine, preventative, cosmetic, or grooming procedures
- Weight management, elective dental care/treatments not prescribed
- Treatments by unlicensed/non-accredited professionals (e.g. behaviourist, physiotherapist, hydrotherapist)
- Claims exceeding annual policy limits or not incurred during period of insurance
- Medical costs relating to unvaccinated dogs for core diseases (distemper, hepatitis, leptospirosis, parvovirus)
- Costs for hand rearing, cremation, equipment, or value of puppies (breeding)
Geographic exclusions- Treatment or events outside UK (except as permitted by optional Overseas Travel cover and its maximum duration, usually 120 days/year in PETS-compliant countries)
- More than 120 days abroad, any non-compliance with PETS Travel Scheme
- Costs arising abroad for non-compliant microchipping or missing health documents
- Excludes Section 4 (third party liability) while in Ireland or outside the UK (unless qualifying for British Forces extension)
Identification and legal exclusions- Loss/theft claims when dog ownership/identity cannot be proven
- Loss/theft not reported promptly to police, rescue, local authority, and vet
- Claims where requirements of the Dangerous Dogs Act are not met (most banned breeds, except XL Bully with DEFRA certificate)
- Claims while dog lives with or is transferred to someone else, or owner is under 18/not UK resident
- Claims for violation of import/animal health regulations or non-compliance with microchipping and vaccination rules
Third party liability exclusions- Incidents involving you, your family, anyone living with you, employees, or those responsible for the dog
- Claims connected to your business, property, or any insured acting in a professional capacity
- Deliberate acts or omission, any incident related to a motor vehicle
- Any incident arising from the transmission of disease (zoonosis, including rabies/viruses)
- Claims for breeds banned under the Dangerous Dogs Act (unless DEFRA registration for XL Bully)
- Incidents outside UK unless covered by specific British Forces extensions
Breeding-related exclusions- Breeding/gestation under 1 year old or over 8 years, or over 4 completed pregnancies
- Costs from artificial insemination, ovulation testing, elective c-sections in certain breeds, or non-medically necessary c-sections
- Pre-existing breeding conditions or illnesses within 10 days of cover (unless renewing)
- Cost for puppies’ cremation, hand-rearing, or for unrecovered puppies (market value)
Boarding/holiday and travel-related exclusions- Less than 3 days’ hospitalisation (for boarding/daily minding)
- Hospitalisation or holiday abandonment claims arising from known illness, pregnancy, cosmetic surgery, or for non-family members
- Boarded/holiday cancelled within 28 days of booking
- Overseas cover beyond 120 days/year or non-PETS approved countries
- Overseas incidents not compliant with PETS or due to non-standard microchip
- Travel/boarding not medically necessary or recoverable costs
General exclusions- Dogs younger than 8 weeks at policy inception
- War, terrorism, nuclear, or cyber risk-related incidents
- Loss when dog is intentionally harmed, left in extreme conditions (e.g. unattended in cars), or resulting from abuse
- Commercial uses unless recognised service or assistance work
- Concurrent insurance for same risk (pro rata claim settlement or after other policies exhausted)
- Claims following abusive behaviour towards the insurer’s staff
Main exclusions in Kennel Club Lifetime Dog Insurance policies
Medical exclusions
Details
- Pre-existing illnesses or injuries
- Illnesses arising within the first 10 days (unless renewing)
- Veterinary treatment before policy starts or after it ends
- Routine, preventative, cosmetic, or grooming procedures
- Weight management, elective dental care/treatments not prescribed
- Treatments by unlicensed/non-accredited professionals (e.g. behaviourist, physiotherapist, hydrotherapist)
- Claims exceeding annual policy limits or not incurred during period of insurance
- Medical costs relating to unvaccinated dogs for core diseases (distemper, hepatitis, leptospirosis, parvovirus)
- Costs for hand rearing, cremation, equipment, or value of puppies (breeding)
Geographic exclusions
Details
- Treatment or events outside UK (except as permitted by optional Overseas Travel cover and its maximum duration, usually 120 days/year in PETS-compliant countries)
- More than 120 days abroad, any non-compliance with PETS Travel Scheme
- Costs arising abroad for non-compliant microchipping or missing health documents
- Excludes Section 4 (third party liability) while in Ireland or outside the UK (unless qualifying for British Forces extension)
Identification and legal exclusions
Details
- Loss/theft claims when dog ownership/identity cannot be proven
- Loss/theft not reported promptly to police, rescue, local authority, and vet
- Claims where requirements of the Dangerous Dogs Act are not met (most banned breeds, except XL Bully with DEFRA certificate)
- Claims while dog lives with or is transferred to someone else, or owner is under 18/not UK resident
- Claims for violation of import/animal health regulations or non-compliance with microchipping and vaccination rules
Third party liability exclusions
Details
- Incidents involving you, your family, anyone living with you, employees, or those responsible for the dog
- Claims connected to your business, property, or any insured acting in a professional capacity
- Deliberate acts or omission, any incident related to a motor vehicle
- Any incident arising from the transmission of disease (zoonosis, including rabies/viruses)
- Claims for breeds banned under the Dangerous Dogs Act (unless DEFRA registration for XL Bully)
- Incidents outside UK unless covered by specific British Forces extensions
Breeding-related exclusions
Details
- Breeding/gestation under 1 year old or over 8 years, or over 4 completed pregnancies
- Costs from artificial insemination, ovulation testing, elective c-sections in certain breeds, or non-medically necessary c-sections
- Pre-existing breeding conditions or illnesses within 10 days of cover (unless renewing)
- Cost for puppies’ cremation, hand-rearing, or for unrecovered puppies (market value)
Boarding/holiday and travel-related exclusions
Details
- Less than 3 days’ hospitalisation (for boarding/daily minding)
- Hospitalisation or holiday abandonment claims arising from known illness, pregnancy, cosmetic surgery, or for non-family members
- Boarded/holiday cancelled within 28 days of booking
- Overseas cover beyond 120 days/year or non-PETS approved countries
- Overseas incidents not compliant with PETS or due to non-standard microchip
- Travel/boarding not medically necessary or recoverable costs
General exclusions
Details
- Dogs younger than 8 weeks at policy inception
- War, terrorism, nuclear, or cyber risk-related incidents
- Loss when dog is intentionally harmed, left in extreme conditions (e.g. unattended in cars), or resulting from abuse
- Commercial uses unless recognised service or assistance work
- Concurrent insurance for same risk (pro rata claim settlement or after other policies exhausted)
- Claims following abusive behaviour towards the insurer’s staff
Main exclusions in Kennel Club Lifetime Dog Insurance policies

Kennel Club Rates

Kennel Club positions itself at the upper end of the UK pet insurance market, offering comprehensive lifetime coverage with high annual vet fee limits—reportedly up to £25,000 per year—alongside strong inclusions such as third-party liability, behaviourist fees, complementary therapies, and optional breeding and travel covers.

Its excesses are moderate rather than low, but the scope and depth of coverage across formulas mean the pricing remains above average compared to more basic providers or digital-first “pure players” that strip back optional extras to lower costs.

Where Kennel Club stands out is its high claim acceptance rate (circa 98%), stable premiums after claims, and consistently high customer satisfaction, underpinned by robust service from a specialist, established pet insurer.

While not the cheapest—particularly when enhanced cover or older pets are involved—its proposition is considered expensive but very complete, targeting owners seeking reliability and minimal gaps in protection.

Explore multiple quotes from different insurers to ensure you select the most suitable and affordable pet cover for your needs.

Lifetime LiteLifetimeLifetime PlusLifetime Premium
Cat young (2-4 yrs)£16/mo£21/mo£26/mo£31/mo
Cat senior (7-8 yrs)£22/mo£28/mo£36/mo£44/mo
Small dog (2-4 yrs)£23/mo£31/mo£39/mo£48/mo
Large dog (2-4 yrs)£32/mo£42/mo£55/mo£67/mo
Small dog senior (7-8)£31/mo£41/mo£53/mo£65/mo
Large dog senior (7-8)£44/mo£59/mo£75/mo£92/mo
Monthly premiums for various Kennel Club pet insurance plans and pet categories.
Cat young (2-4 yrs)
Lifetime Lite
£16/mo
Lifetime
£21/mo
Lifetime Plus
£26/mo
Lifetime Premium
£31/mo
Cat senior (7-8 yrs)
Lifetime Lite
£22/mo
Lifetime
£28/mo
Lifetime Plus
£36/mo
Lifetime Premium
£44/mo
Small dog (2-4 yrs)
Lifetime Lite
£23/mo
Lifetime
£31/mo
Lifetime Plus
£39/mo
Lifetime Premium
£48/mo
Large dog (2-4 yrs)
Lifetime Lite
£32/mo
Lifetime
£42/mo
Lifetime Plus
£55/mo
Lifetime Premium
£67/mo
Small dog senior (7-8)
Lifetime Lite
£31/mo
Lifetime
£41/mo
Lifetime Plus
£53/mo
Lifetime Premium
£65/mo
Large dog senior (7-8)
Lifetime Lite
£44/mo
Lifetime
£59/mo
Lifetime Plus
£75/mo
Lifetime Premium
£92/mo
Monthly premiums for various Kennel Club pet insurance plans and pet categories.
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Kennel Club promo codes

Kennel Club promo codesDetails
Multi-pet discount5% discount for insuring multiple pets
HelloSafe promo code-5% on your quote
Promo codes and their details for Kennel Club pet insurance.
Multi-pet discount
Details
5% discount for insuring multiple pets
HelloSafe promo code
Details
-5% on your quote
Promo codes and their details for Kennel Club pet insurance.

How much will I be reimbursed with Kennel Club?

Kennel Club reimburses your pet’s vet expenses according to your chosen plan, after deducting an annual fixed excess and percentage excess per claim. With the highest "Lifetime Premium" cover, you benefit from up to £25,000 of vet fee reimbursement each year, ensuring major illnesses, surgeries, and emergencies get covered, with only a small share left for you to pay yourself.

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Example 1: Specialist consultation and treatment for cruciate ligament rupture

Total vet fees: £2,500 (including diagnostics, surgery, and follow-up care)

Annual fixed excess: £105 (first claim of the policy year)
After-excess balance: £2,500 – £105 = £2,395
Co-payment (10% of balance): £239.50
Amount Kennel Club pays: £2,395 – £239.50 = £2,155.50
👉 You receive £2,155.50 back from Kennel Club.

ℹ️ The annual excess is due only once per year, per illness/injury, even if further costs arise later in the same year for the same condition.

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Example 2: Hospitalisation for severe gastroenteritis (ongoing illness, further within policy year)

Total vet fees: £920

Annual fixed excess: £0 (already paid on earlier claim this policy year for this illness)
Co-payment (10% of total): £92
Amount Kennel Club pays: £920 – £92 = £828
👉 You are reimbursed £828.

ℹ️ Costs add up quickly if your dog has a chronic or complex illness. With Lifetime Premium, even many treatments in the same year are covered—your only share remains the 10% co-payment.

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Example 3: Preventive dental scale and polish (if prescribed by a vet to treat gum disease)

Total dental treatment cost: £340

Annual fixed excess: £0 (if already paid that year)
Co-payment (10%): £34
Amount Kennel Club pays: £340 – £34 = £306
👉 Your reimbursement will be £306.

ℹ️ Kennel Club Lifetime Premium covers dental treatments necessary for medical reasons (not routine cleaning), provided vaccinations/regular checks are up to date. Preventive care not specifically prescribed would not be eligible.

Kennel Club Assistance

Kennel Club stands out for providing 24/7 vet video call access via the Agria Vet Guide app, which is highly valuable in emergencies and for instant advice, a service still rare on the UK market.

Direct vet payments are available, but there is no true cashless 'advance of fees' system such as Petcard or Carecredit, meaning owners typically pay first and reclaim.

While claim management is streamlined through online and postal forms, there is a dedicated app mainly for vet advice and policy management, not for the full claim and reimbursement process.

No exclusive network of veterinary partners is listed, which may limit negotiated rates or direct settlement options, but the overseas extension does allow up to 120 days of cover annually in PETS-compliant countries if selected.

Absence of a 24/7 in-person veterinary triage or physical partner clinics is notable versus some new entrants, but high customer satisfaction reflects effective claim payouts and accessible support channels.

Assistance Kennel ClubAvailable?Details
Advance of feesNo true advance of fees system (no UK Payvet/Petcard/Carecredit).
Claims reimbursed upon submission; direct payments to vets possible if arranged but payment up front typically required.
Payment facilitiesYearly or 12 monthly instalments available by Direct Debit.
No mention of 3x/4x split without fees.
Auto-renewal unless opted out.
Mobile applicationAgria Vet Guide app on iOS/Android.
Rated 4.5+ stars; provides 24/7 video vet access, policy management.
Does not allow full online claims filing but supports document management.
Digitised claim managementClaims can be submitted via online form or email.
No instant in-app reimbursement.
Process is efficient but not end-to-end digital.
Vet emergency hotline or teleconsultation24/7 vet video advice via the app free for all customers.
No in-person triage or physical emergency clinics.
No partner vet telephone hotline listed.
Vet clinic & partner networkNo dedicated partner clinics or network for negotiated rates or preferential settlement.
Clients choose any UK-registered vet.
Overseas coverOptional extension for trips up to 120 days per year.
Covered in PETS Travel Scheme countries (mainly EU).
No ongoing cover for permanent residence abroad.
Summary of available assistance, payment and claim features with Kennel Club pet insurance
Advance of fees
Available?
Details
No true advance of fees system (no UK Payvet/Petcard/Carecredit).
Claims reimbursed upon submission; direct payments to vets possible if arranged but payment up front typically required.
Payment facilities
Available?
Details
Yearly or 12 monthly instalments available by Direct Debit.
No mention of 3x/4x split without fees.
Auto-renewal unless opted out.
Mobile application
Available?
Details
Agria Vet Guide app on iOS/Android.
Rated 4.5+ stars; provides 24/7 video vet access, policy management.
Does not allow full online claims filing but supports document management.
Digitised claim management
Available?
Details
Claims can be submitted via online form or email.
No instant in-app reimbursement.
Process is efficient but not end-to-end digital.
Vet emergency hotline or teleconsultation
Available?
Details
24/7 vet video advice via the app free for all customers.
No in-person triage or physical emergency clinics.
No partner vet telephone hotline listed.
Vet clinic & partner network
Available?
Details
No dedicated partner clinics or network for negotiated rates or preferential settlement.
Clients choose any UK-registered vet.
Overseas cover
Available?
Details
Optional extension for trips up to 120 days per year.
Covered in PETS Travel Scheme countries (mainly EU).
No ongoing cover for permanent residence abroad.
Summary of available assistance, payment and claim features with Kennel Club pet insurance

Customer feedback on Kennel Club

Review SiteRating and Number of Reviews
Trustpilot4.7 out of 5 (1,929 reviews)
Summary of Kennel Club insurance review ratings from external websites
Trustpilot
Rating and Number of Reviews
4.7 out of 5 (1,929 reviews)
Summary of Kennel Club insurance review ratings from external websites

We analysed the reviews from the sites listed above. In terms of positive points, policyholders who have taken out insurance for their pets with Kennel Club commonly mention:

  • The customer service that is friendly, helpful and compassionate: a large majority of customers describe staff as approachable, knowledgeable, and empathetic, with regular mention of quick and sensitive support in difficult or stressful situations.
  • The claims process that is straightforward and efficient: most clients report that claims are processed promptly and payments are made on time, with little administrative hassle.
  • The clarity and transparency of communication: policy explanations and responses to queries are considered clear and comprehensive, with regular follow-up from advisors.
  • The reliability and trustworthiness of the cover: repeat customers cite a consistently high level of service and confidence that their dogs are protected, especially for those with ongoing veterinary needs.
  • The ease of policy management and renewal: the set-up and renewal procedures are reported as user-friendly and fast, making ongoing management simple for pet owners.

In terms of points to improve:

  • The premiums that are not always the cheapest: a number of clients note that Kennel Club’s policies can be more expensive than some alternatives, though many still consider the value for service acceptable.
  • The occasional rigidity in policy exclusions: some customers highlight disappointment when certain claims are declined due to pre-existing conditions or specific policy exclusions, which can be stricter than expected.
  • The lack of price flexibility or loyalty incentives for long-term customers: a few reviewers would appreciate more competitive pricing or benefits, especially after multiple years of renewal.
  • The cover levels and benefits that require careful reading: some policyholders advise that understanding annual limits and optional extras can be complex, recommending extra attention to policy documents at sign-up.

How to contact Kennel Club?

Kennel Club customer serviceDetails
To get a quote or subscribe onlineYou can use the HelloSafe pet insurance comparison tool, select the plan that suits you, and click to get a quote.
To request and track a reimbursement- Fill in the reimbursement request form (available online, by email, or by post).
- Attach the required documents: policy number, vet bills, dog medical history, and any other documents requested according to your claim.
- Send your file to [email protected], or by post to: Kennel Club Pet Insurance, First Floor, Blue Leanie, Walton Street, HP21 7QW, Aylesbury, United Kingdom.
- You can track the progress at 0333 030 5030.
- Reimbursements are usually processed within a few days once the claim is complete, by bank transfer or cheque.
To get a proof of insurance- Request it by email at [email protected] or by phone at 0333 030 5030.
- Provide your contact details and contract number.
- The certificate of insurance will be sent to you by email or by post, as per your preference.
To contact assistance- General assistance and information:
• By phone at 0333 030 5030 (Monday to Friday, UK business hours).
• By email at [email protected]
- For immediate veterinary advice, 24/7 access via the Agria Vet Guide App (downloadable on smartphone).
To cancel my contract- Send a written request by email to [email protected], by phone at 0333 030 5030, or by mail (see address above).
- Mention the policy number and the desired termination date.
- Observe the notice period: 14 days if withdrawing from subscription or renewal, otherwise cancellation can be made at any time but with no refund of the remaining premium.
- Attach any supporting documents if the cancellation is due to loss/death/sale of the dog.
How to contact or request services from Kennel Club customer service.
To get a quote or subscribe online
Details
You can use the HelloSafe pet insurance comparison tool, select the plan that suits you, and click to get a quote.
To request and track a reimbursement
Details
- Fill in the reimbursement request form (available online, by email, or by post).
- Attach the required documents: policy number, vet bills, dog medical history, and any other documents requested according to your claim.
- Send your file to [email protected], or by post to: Kennel Club Pet Insurance, First Floor, Blue Leanie, Walton Street, HP21 7QW, Aylesbury, United Kingdom.
- You can track the progress at 0333 030 5030.
- Reimbursements are usually processed within a few days once the claim is complete, by bank transfer or cheque.
To get a proof of insurance
Details
- Request it by email at [email protected] or by phone at 0333 030 5030.
- Provide your contact details and contract number.
- The certificate of insurance will be sent to you by email or by post, as per your preference.
To contact assistance
Details
- General assistance and information:
• By phone at 0333 030 5030 (Monday to Friday, UK business hours).
• By email at [email protected]
- For immediate veterinary advice, 24/7 access via the Agria Vet Guide App (downloadable on smartphone).
To cancel my contract
Details
- Send a written request by email to [email protected], by phone at 0333 030 5030, or by mail (see address above).
- Mention the policy number and the desired termination date.
- Observe the notice period: 14 days if withdrawing from subscription or renewal, otherwise cancellation can be made at any time but with no refund of the remaining premium.
- Attach any supporting documents if the cancellation is due to loss/death/sale of the dog.
How to contact or request services from Kennel Club customer service.

FAQ

Do I have to pay vet fees upfront with Kennel Club?

Kennel Club Pet Insurance offers the option to pay vets directly, subject to your vet’s agreement. However, not all vets accept direct payment, so you may need to pay fees yourself and then claim reimbursement. Always confirm with your vet if they’re happy to deal directly with Kennel Club before treatment. Claims are typically submitted online or by post with supporting receipts and records.

How do I cancel my Kennel Club pet insurance policy?

To cancel your Kennel Club insurance, contact customer service by phone or email. You must give written notice and provide your policy details. If you cancel within the 14-day cooling-off period, you’ll receive a full refund if no claim has been made; after this, cancellation terms from your policy will apply. No extra documents are usually needed beyond your request and proof of identity.

What types of dog insurance cover does Kennel Club offer?

Kennel Club offers lifetime cover in four levels: Lifetime Lite, Lifetime, Lifetime Plus, and Lifetime Premium. All levels include veterinary fees, third-party liability, and other core covers. Optional extras, such as death by illness/injury, theft, breeding, boarding, or overseas travel, can be added according to your needs. Benefit limits and excesses vary—check your Schedule for full details.

Are pre-existing conditions covered by Kennel Club insurance?

No, pre-existing illnesses or injuries are excluded from cover with Kennel Club. This means any health issues your dog had before the policy started, or symptoms in the first 10 days, will not be eligible for claims. It’s important to disclose your dog’s medical history during application and consult your policy wording for exclusions.

Does Kennel Club cover overseas travel with my dog?

Yes, Kennel Club can extend cover for up to 120 days per year in countries under the PETS Travel Scheme if you select the overseas travel option. This includes vet fees abroad, quarantine, emergency travel, and overseas liability in the EU. Always check your policy and schedule to confirm you have added this cover before travelling.

Do I have to pay vet fees upfront with Kennel Club?

Kennel Club Pet Insurance offers the option to pay vets directly, subject to your vet’s agreement. However, not all vets accept direct payment, so you may need to pay fees yourself and then claim reimbursement. Always confirm with your vet if they’re happy to deal directly with Kennel Club before treatment. Claims are typically submitted online or by post with supporting receipts and records.

How do I cancel my Kennel Club pet insurance policy?

To cancel your Kennel Club insurance, contact customer service by phone or email. You must give written notice and provide your policy details. If you cancel within the 14-day cooling-off period, you’ll receive a full refund if no claim has been made; after this, cancellation terms from your policy will apply. No extra documents are usually needed beyond your request and proof of identity.

What types of dog insurance cover does Kennel Club offer?

Kennel Club offers lifetime cover in four levels: Lifetime Lite, Lifetime, Lifetime Plus, and Lifetime Premium. All levels include veterinary fees, third-party liability, and other core covers. Optional extras, such as death by illness/injury, theft, breeding, boarding, or overseas travel, can be added according to your needs. Benefit limits and excesses vary—check your Schedule for full details.

Are pre-existing conditions covered by Kennel Club insurance?

No, pre-existing illnesses or injuries are excluded from cover with Kennel Club. This means any health issues your dog had before the policy started, or symptoms in the first 10 days, will not be eligible for claims. It’s important to disclose your dog’s medical history during application and consult your policy wording for exclusions.

Does Kennel Club cover overseas travel with my dog?

Yes, Kennel Club can extend cover for up to 120 days per year in countries under the PETS Travel Scheme if you select the overseas travel option. This includes vet fees abroad, quarantine, emergency travel, and overseas liability in the EU. Always check your policy and schedule to confirm you have added this cover before travelling.

Charlotte Green
Charlotte Green
HelloSafe
Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.

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