Is Petgevity Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Petgevity
Petgevity stands out in the UK pet insurance landscape with its highly flexible Lifetime policies and reputation for inclusivity, particularly excelling in customisable coverage limits (from £1,000 to £15,000 per year), adjustable excess and co-payment options, and access to valuable add-ons like dental illness, farewell cover, and travel. Unlike most competitors, Petgevity has no upper age limit for new enrollments and covers declared pre-existing conditions, making it uniquely positioned for owners of older animals or pets with complex medical histories. Its combination of modular design and digital-first underwriting puts it in a premium bracket, just below market leaders like Agria and Petplan but with more transparent flexibility and adaptability, while maintaining competitive pricing—especially for higher excess options or multi-pet plans. Petgevity is especially well suited to owners seeking cover for older animals, pets with pre-existing conditions, and those wanting strong control over premiums and claimable limits. The company is underwritten by Great Lakes Insurance UK Limited and managed by TICORP, with stable FCA-regulated structures and robust digital processes; Trustpilot reports a strong 4.4/5 rating based on more than 4,700 reviews—testimony to reliable service, though some note longer claims processing times and renewal price rises. Most claims are settled efficiently via the online portal, with fast track payouts often cited, keeping Petgevity well within top-tier industry standards.
- ✅No upper age limit for new pets
- ✅Cover for declared pre-existing conditions
- ✅Vet fee annual cover up to £15,000
- ✅Choice of excess, co-payment, annual limit
- ✅24/7 free FirstVet video consultation included
- ✅100% online sign-up, claims, and account management
- ✅Multi-pet discounts and flexible customisation per animal
- ❌Premiums may increase significantly at renewal
- ❌Occasional delays in claims settlement
- ❌Dental illness only as paid add-on
- ❌Some common breeds and working dogs excluded
- ❌Basic cover receives lower Defaqto ratings
- ✅No upper age limit for new pets
- ✅Cover for declared pre-existing conditions
- ✅Vet fee annual cover up to £15,000
- ✅Choice of excess, co-payment, annual limit
- ✅24/7 free FirstVet video consultation included
- ✅100% online sign-up, claims, and account management
- ✅Multi-pet discounts and flexible customisation per animal
Our Expert's Opinion on Petgevity
ScorePetgevity stands out in the UK pet insurance landscape with its highly flexible Lifetime policies and reputation for inclusivity, particularly excelling in customisable coverage limits (from £1,000 to £15,000 per year), adjustable excess and co-payment options, and access to valuable add-ons like dental illness, farewell cover, and travel. Unlike most competitors, Petgevity has no upper age limit for new enrollments and covers declared pre-existing conditions, making it uniquely positioned for owners of older animals or pets with complex medical histories. Its combination of modular design and digital-first underwriting puts it in a premium bracket, just below market leaders like Agria and Petplan but with more transparent flexibility and adaptability, while maintaining competitive pricing—especially for higher excess options or multi-pet plans. Petgevity is especially well suited to owners seeking cover for older animals, pets with pre-existing conditions, and those wanting strong control over premiums and claimable limits. The company is underwritten by Great Lakes Insurance UK Limited and managed by TICORP, with stable FCA-regulated structures and robust digital processes; Trustpilot reports a strong 4.4/5 rating based on more than 4,700 reviews—testimony to reliable service, though some note longer claims processing times and renewal price rises. Most claims are settled efficiently via the online portal, with fast track payouts often cited, keeping Petgevity well within top-tier industry standards.
- ✅No upper age limit for new pets
- ✅Cover for declared pre-existing conditions
- ✅Vet fee annual cover up to £15,000
- ✅Choice of excess, co-payment, annual limit
- ✅24/7 free FirstVet video consultation included
- ✅100% online sign-up, claims, and account management
- ✅Multi-pet discounts and flexible customisation per animal
- ❌Premiums may increase significantly at renewal
- ❌Occasional delays in claims settlement
- ❌Dental illness only as paid add-on
- ❌Some common breeds and working dogs excluded
- ❌Basic cover receives lower Defaqto ratings
- ✅No upper age limit for new pets
- ✅Cover for declared pre-existing conditions
- ✅Vet fee annual cover up to £15,000
- ✅Choice of excess, co-payment, annual limit
- ✅24/7 free FirstVet video consultation included
- ✅100% online sign-up, claims, and account management
- ✅Multi-pet discounts and flexible customisation per animal
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies in the UK market every year to provide you with a trustworthy and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users in the UK trust us each month to guide them in making their most important financial decisions.
Petgevity Guarantees
Petgevity stands out in the UK market with a highly modular "Lifetime" policy, allowing pet owners to tailor annual limits (up to £15,000), excess, and co-pay to their needs, with optional add-ons for areas like dental illness, travel, and missing pet cover.
Coverage is impressively broad even on the core policy, including veterinary fees (illness/accident), behavioural/complementary therapies, MRI/CT (up to £2,000), cruciate ligaments, emergency boarding, and third party liability (dogs), plus unlimited 24/7 FirstVet teleconsultation—rarely standard elsewhere.
There are no age limits for joining, and declared pre-existing conditions may be covered (subject to acceptance), which is a significant advantage over most insurers.
However, Petgevity does not cover preventive care (vaccines, flea/worm treatments, routine dental), spay/neuter, or non-prescribed treatments, and dental cover for illness or routine care requires a paid add-on.
Notably, flexibility, inclusivity for older and higher-risk pets, and transparent claims processes are market-leading, but premiums can rise significantly on renewal and some exclusions remain for certain breeds, professional use, or non-disclosed pre-existing conditions.
| Guarantee Name | Lifetime Core Cover (dogs & cats) | Dental Illness (add-on) | Missing Pet (add-on) | Farewell (add-on) | Travel & Holiday (add-on) |
|---|---|---|---|---|---|
| Formula positioning | Highly customisable Lifetime (annual renewable, modular add-ons) | Optional, completes core cover | Optional, for theft/loss | Optional, for death/cremation | Optional, for travel disruptions & overseas vet care |
| Type of cover | Illness, accident, complementary, third party (dogs), emergency | Dental illness (not accident) | Loss, theft, advertising, reward | Death, cremation | Emergency, quarantine, trip cancellation, repatriation |
| Animals covered | Dogs & cats >4 weeks, up to 8/policy | Dogs & cats | Dogs & cats | Dogs & cats | Dogs & cats (specific rules apply) |
| Reimbursement rate (%) | Flexible - set your bill share (co-pay) from 0% to 20% | Same as core policy | N/A (lump sum) | N/A (lump sum) | Same as core policy for foreign vet bills |
| Annual vet fee limit | £1,000 to £15,000 (owner chooses per pet) | Up to core policy limit or £5,000 | Up to animal value/£5,000 | Up to animal value/£5,000 | Up to policy vet limit abroad (see below for sub-limits) |
| Annual excess/franchise | Owner chooses level & structure (none required) | Chosen per core policy | N/A | N/A | Per core policy for foreign veterinary, other: see below |
| Minimum/maximum pet age to join | Cats: min 4 weeks, no max; Dogs: min 4 weeks, no max | Same | Same | Same | Same (travel age/condition limits may apply) |
| Health questionnaire required? | Yes – relevant medical history required at quote | Yes | Yes | Yes | Yes (travel consults may be required) |
| Waiting period illness | 14 days (waivable on switch from similar cover) | 14 days | 14 days | 14 days | 14 days (core vet care abroad) |
| Waiting period accident | 2 days (waivable in same conditions as above) | 2 days | 2 days | 2 days | 2 days (for accident) |
| Lifetime renewal once insured | ✅ Annual automatic renewal (ongoing eligibility required) | ✅ | ✅ | ✅ | ✅ |
| Vet consultation cover | ✅ All standard, emergency, specialist, online (limit as per policy) | ✅ | ❌ | ❌ | ✅ Overseas vet as per limit |
| Prescribed medication | ✅ Up to vet fee limit | ✅ | ❌ | ❌ | ✅ Overseas |
| Hospitalisation | ✅ (as part of vet fees/emergency care) | ✅ | ❌ | ❌ | ✅ Overseas emergency |
| Ambulance fees | ❌ (not specifically stated) | ❌ | ❌ | ❌ | ❌ |
| Surgery, anaesthesia | ✅ Up to annual vet fee limit | ✅ | ❌ | ❌ | ✅ Overseas |
| Scans (MRI, CT, US...) | ✅ MRI/CT up to £2,000/year | ✅ | ❌ | ❌ | ✅ (subject to usual limits) |
| Laboratory analyses | ✅ Up to vet limit, medically indicated | ✅ | ❌ | ❌ | ✅ Overseas |
| Radiotherapy | ✅ As part of vet limit (no separate sub-limit) | ✅ | ❌ | ❌ | ✅ Overseas |
| Dental (Accident) | ✅ Included in core vet fees | ❌ (not app) | ❌ | ❌ | ✅ Overseas (if accident, within normal limits) |
| Dental (Illness) | ❌ (add-on needed) | ✅ Up to £5,000 or limit | ❌ | ❌ | ❌ |
| Descaling | ❌ Not covered (routine/preventive excluded) | ❌ | ❌ | ❌ | ❌ |
| Preventive care package | ❌ Not covered (no "wellness" pack) | ❌ | ❌ | ❌ | ❌ |
| Complementary/holistic medicine | ✅ Up to 12 sessions/year, as prescribed | ✅ | ❌ | ❌ | ✅ if abroad & medical |
| Therapeutic food | ✅ If prescribed by vet, £250/year limit | ✅ | ❌ | ❌ | ✅ Abroad (up to usual limit) |
| Countries/travel covered | UK/Isle of Man/Jersey/Guernsey always; Europe/worldwide as add-on | NC | NC | NC | Up to 183 days/year (90 consecutive max), sub-limits per section |
| Death/cremation | Euthanasia £250 core cover; death/cremation up to £5,000/£250 as add-on | ❌ | ❌ | ✅ | ❌ |
| Euthanasia | ✅ Up to £250 (core cover) | ❌ | ❌ | ✅ As cause of death | ❌ |
| Theft/loss & search | ❌ Only as paid "Missing Pet" add-on, up to animal value/£5,000 | ❌ | ✅ | ❌ | ❌ |
| Boarding/kennel fees (owner in hospital) | ✅ Up to £1,500/year pro, £35/day | ❌ | ❌ | ❌ | ❌ |
| Care costs/garde | ✅ Emergency care included as above | ❌ | ❌ | ❌ | ❌ |
Good to know
- No cover for routine or preventive treatments (including standard vaccinations, flea/worm/tick, neutering, or routine bloodwork).
- Dental illness only covered if you add the specific option and perform required annual vet checks.
- Exclusions apply to some breeds, working/security/sporting animals, and animals with undisclosed pre-existing conditions.
- Premiums can rise substantially at renewal, especially after claims.
- Teleconsultations via FirstVet are unlimited and immediate upon contract start.
Compare Petgevity’s options with other providers for full peace of mind and to ensure you get the best price for your chosen cover.
👉 Compare pet insurance plans for freeStart saving on vet billsPetgevity exclusions
Exclusions under the Petgevity policy reflect a comprehensive approach, but several stand out compared to typical UK providers: notably, the scheme does not systematically exclude all pre-existing conditions, but only those not declared at enrolment—an inclusion criterion stricter than some but far more flexible than most competitors.
Specific breed bans apply (see online list), and no cover is available for pets used for work, breeding (three or more litters), hunting, security, or racing, tightening eligibility relative to more generalist insurers.
Routine/preventive treatments—including routine dental scale and polish, vaccinations, elective neutering, and standard parasite treatments—are always excluded from claim, except for clearly defined, insured events.
Geographical limits are generous but require compliance with travel regulations; e.g., costs related to invalid papers, non-compliance, or illnesses existing before travel remain excluded.
Additionally, liability does not extend to incidents involving family members, employees, or professional handlers, nor to any case where the owner's negligence or breach of animal care obligations is identified.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Exclusions by breed/animal use |
|
| Geographical exclusions |
|
| Liability/third-party exclusions |
|
| Identification/administrative exclusions |
|
| Other/General exclusions |
|
- Undeclared pre
- existing conditions
- Conditions notified as exclusions at policy start
- Routine/preventive care (including routine dental, neutering, parasite treatments, vaccinations)
- Elective/cosmetic procedures
- Non
- prescribed treatments, experimental therapies
- Illnesses arising from non
- compliance with vaccination or veterinary advice
- Illnesses diagnosed within waiting periods
- Costs for treatments exceeding annual/benefit limits
- Excluded breeds as listed on the Petgevity website
- Pets used for working, hunting, guarding, breeding (more than 3 litters/lifetime), or racing, except assistance/therapy animals
- Treatment abroad not compliant with travel conditions
- Costs incurred due to non
- conformity of travel papers or vaccinations
- Pre
- existing illnesses prior to departure
- Claims for periods exceeding 183 days abroad (90 consecutive days per trip)
- Loan/temporary ownership claims
- Damage/injury to family, household members, or employees
- Incidents involving professional handlers or while fulfilling professional tasks
- Incidents arising from recognised behavioural infractions
- Claims without insurer's prior consent when dealing with third parties
- Missing pet cover denied if identification (microchip) is not up to date or reporting obligations are not met
- Farewell/death benefit excluded if not supported by purchase documents or justified veterinary report
- Claims due to neglect, abuse, or illegal activity
- Costs outside insured events (e.g., loss, theft, or death occurring under unlisted circumstances)
- Claims unsubstantiated by required documentation
- No payout for overlapping insured events (e.g. death and loss/ theft for same incident)
Petgevity rates
Petgevity’s price positioning is generally mid-range and adaptable, sitting between basic providers and top-tier, high-premium brands. Its coverage is notably inclusive—offering high annual claims limits (up to £15,000), few restrictions on age or pre-existing conditions, and generous standard features like 24/7 digital vet access, which puts it ahead of most competitors for comprehensiveness.
The ability to select your own annual limit, excess, or bill share allows pet owners to tailor their monthly cost significantly, so competitive pricing is achievable for those who optimise parameters, especially if they accept a higher excess or bill share.
As a pure digital player, Petgevity reduces administration overhead, enabling access to strong cover at a more moderate cost than legacy insurers with branch networks, though price increases on renewal are not uncommon for older or high-risk pets.
Overall, Petgevity is positioned as competitively priced for the level of modular and inclusive protection offered, especially for older pets or those with pre-existing conditions, though absolute cheapest offers may be found with more limited plans or niche entrants.
| Lifetime Basic (£1,000 limit) | Lifetime Plus (£4,000 limit) | Lifetime Max (£15,000 limit) | |
|---|---|---|---|
| Young cat (2–4 years) | £8/mo | £14/mo | £21/mo |
| Senior cat (7–8 years) | £13/mo | £21/mo | £35/mo |
| Small dog | £10/mo | £18/mo | £28/mo |
| Small dog (2–4 years) | £10/mo | £18/mo | £28/mo |
| Large dog (2–4 years) | £13/mo | £23/mo | £36/mo |
| Senior dog (7–8 years) | £18/mo | £32/mo | £49/mo |
Compare quotes across providers to make sure you’re getting the right mix of coverage and price for your needs.
👉 Compare pet insurance plans for freeStart saving on vet billsPetgevity promo codes
| Petgevity Promo Codes | Details |
|---|---|
| HelloSafe |
|
- 5% on your quote
Note: Promo codes are subject to change. For the latest codes, please visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Petgevity?
Petgevity reimburses your vet bills quickly and simply: once your pet receives treatment, you pay the vet and submit your claim online. After subtracting your chosen annual excess and calculating any “bill share” (co-payment), Petgevity reimburses you for the eligible costs up to your chosen yearly limit. Here are practical examples with the highest cover level (£15,000/year limit, £100 excess, 10% bill share), so you can clearly see your out-of-pocket costs with or without Petgevity coverage:
Example 1: Emergency treatment for accidental injury (dog swallows a toy)
Total vet fees: £1,100 (emergency consultation, X-ray, anaesthesia, endoscopic removal)
Annual excess (first claim of the year): £100
Amount subject to reimbursement after excess: £1,100 – £100 = £1,000
10% bill share (co-payment) by policyholder: 10% × £1,000 = £100
Amount reimbursed by Petgevity: £1,000 – £100 = £900
You receive £900 back from Petgevity, and your out-of-pocket cost is only £200, instead of the full £1,100.
ℹ️ The £100 excess is only deducted once per year, per condition. Your bill share always applies to the costs after the excess. With veterinary emergencies, savings like this can really make a difference to your peace of mind.
Example 2: MRI and surgery for cruciate ligament (large breed dog)
Total vet fees: £3,200 (consultation, MRI scan, surgery, medication, aftercare)
Annual excess (already used on prior claim for this year/condition): £0
Amount eligible for reimbursement: £3,200
10% bill share (co-payment): 10% × £3,200 = £320
Amount reimbursed by Petgevity: £3,200 – £320 = £2,880
You receive £2,880 back from Petgevity, and pay only £320, instead of the full £3,200.
ℹ️ With your chosen £15,000 yearly limit, you have plenty of cover remaining for other treatments that year. No more excess is deducted since it was paid on your first claim for this condition in the annual cycle.
Example 3: Dental accident cover (cat breaks tooth in fall)
Total vet fees: £650 (x-ray, extraction under anaesthesia, pain medication)
Annual excess (first dental claim this year): £100
Amount after excess: £650 – £100 = £550
10% bill share (co-payment): 10% × £550 = £55
Amount reimbursed by Petgevity: £550 – £55 = £495
You get £495 from Petgevity; your total payment is only £155 instead of £650.
ℹ️ Dental injuries from accidents are covered as standard, but dental illness/cleaning is only included if you select the dental illness add-on.
Petgevity Assistance
Petgevity distinguishes itself by offering 24/7 unlimited video veterinary consultations through FirstVet, a highly valuable feature for immediate advice and minor emergencies.
There is, however, no advance of fees mechanism, so policyholders must pay vets directly and claim for reimbursement afterward—this is less convenient than direct payment models offered by some UK competitors.
Claims can be submitted entirely via an online account, but while the process is digital and user-friendly, there is no dedicated mobile application; claim submission and policy management are web-based.
Petgevity does not provide a formal network of partnered clinics or vets, so customers can use any practice but may forgo negotiated direct-pay advantages.
Travel cover is optional and comprehensive, with emergency treatment abroad covered up to 183 days a year for eligible policies, matching the annual UK vet fee limit.
| Assistance Petgevity | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance of fees. Vets are paid directly by the pet owner, who submits claims online for reimbursement. No Payvet, Petcard or similar direct settlement facility. |
| Payment facilities | ✅ | Clients can pay annual premiums monthly at no extra cost. Increased flexibility, but no mention of split payment for major claim bills. |
| Mobile app | ❌ | There is no dedicated mobile app. All policy and claim management is via the online web platform. User reviews highlight a clear, simple online process. |
| Digital claims management | ✅ | 100% online claim submission and tracking via customer account. Documents, invoices, and policy changes managed in a digital dashboard. |
| Veterinary emergencies | ✅ | 24/7 unlimited video consultations via FirstVet included from day one. No direct hotline for in-person emergencies, but immediate telehealth support is provided. |
| Clinic/veterinary network | ❌ | No network of partner clinics or negotiated direct payment arrangements. Any UK vet can be used, but fees must be paid and claimed. |
| Overseas cover | ✅ | Optional holiday and travel cover for up to 183 days per year, 90 days per trip, matching the UK annual cover limit. Conditions and exclusions apply; cover must be selected. |
Customer feedback on Petgevity
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.4 / 5 (4,710 reviews) |
How can I contact Petgevity?
| Customer service Petgevity | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Declare and track your reimbursement request directly online via your Petgevity client space. You can also send your claim: - by e-mail to [email protected] - by postal mail to: Petgevity Claims, TICORP Ltd, Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar GX11 1AA Please attach: - Original veterinary bills - Veterinary certificate if requested - Proof of purchase or pedigree if applicable Payment method: bank transfer to the account provided in your file. Average observed reimbursement time: generally quick, but some cases may take several weeks depending on complexity. For follow-up or any problem, contact the claims service at 0333 009 0998. |
| To obtain a certificate of insurance | Download your certificate directly from your client space on www.petgevity.co.uk. You can also request it: - By e-mail at [email protected] - By phone at 0333 006 3211 |
| To contact support | For any general request, help or claim, or to update your contract: - By phone at 0333 006 3211 - By e-mail at [email protected] Emergency (teleconsultation) veterinary assistance is available 24/7 via the FirstVet service, included in your plan (appointment activation procedure explained at subscription). |
| To cancel my contract | You can cancel your contract at any time, without fees. Send your request: - By e-mail at [email protected] - By mail to: Petgevity, TICORP Ltd, Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar GX11 1AA Specify your policy number and desired cancellation date. Attach proof of ID/animal if required. Notice: cancellation takes immediate effect or at the next renewal (unless otherwise specified). A refund pro rata temporis is made if no claim is ongoing during the period. If you cancel due to death, loss or theft of the animal, state it and attach, if possible, a supporting document (veterinary death certificate, loss declaration, etc). Make sure to get a cancellation acknowledgement from customer service. |
You can also send your claim:
- by e-mail to [email protected]
- by postal mail to: Petgevity Claims, TICORP Ltd, Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar GX11 1AA
Please attach:
- Original veterinary bills
- Veterinary certificate if requested
- Proof of purchase or pedigree if applicable
Payment method: bank transfer to the account provided in your file.
Average observed reimbursement time: generally quick, but some cases may take several weeks depending on complexity.
For follow-up or any problem, contact the claims service at 0333 009 0998.
You can also request it:
- By e-mail at [email protected]
- By phone at 0333 006 3211
- By phone at 0333 006 3211
- By e-mail at [email protected]
Emergency (teleconsultation) veterinary assistance is available 24/7 via the FirstVet service, included in your plan (appointment activation procedure explained at subscription).
Send your request:
- By e-mail at [email protected]
- By mail to: Petgevity, TICORP Ltd, Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar GX11 1AA
Specify your policy number and desired cancellation date.
Attach proof of ID/animal if required.
Notice: cancellation takes immediate effect or at the next renewal (unless otherwise specified).
A refund pro rata temporis is made if no claim is ongoing during the period.
If you cancel due to death, loss or theft of the animal, state it and attach, if possible, a supporting document (veterinary death certificate, loss declaration, etc).
Make sure to get a cancellation acknowledgement from customer service.
FAQ
Do I have to pay vet fees upfront with Petgevity?
Yes, with Petgevity, you need to pay your vet bills upfront and then submit a claim for reimbursement. Petgevity does not currently offer a direct pay or third-party payment system like Payvet. After treatment, submit your claim and required documents online or by email to get reimbursed according to your chosen cover and excess.
How do I cancel my Petgevity pet insurance policy?
To cancel your Petgevity insurance, simply notify their customer service by email or through your online account. There is no cancellation fee, and your policy can be terminated at any time with immediate effect or at renewal. If you haven't made a claim, you may get a pro-rata refund. Be sure to provide your details and policy number when requesting cancellation.
Are pre-existing conditions covered by Petgevity?
Petgevity considers covering pre-existing conditions if they are fully disclosed when you get your quote and are accepted in your policy documents. Coverage depends on approval during the application. This makes Petgevity a good option for pets that might be turned away elsewhere due to current or past health conditions.
What is the waiting period before my cover starts?
A waiting period applies at the start of your policy: accidents are covered after 2 days, and illnesses after 14 days. If your pet is switching directly from an equivalent lifetime policy with no lapse in cover, Petgevity may waive waiting periods for issues that would have been covered under your previous plan (subject to terms).
Can I get coverage for older pets or multi-pet households?
Yes, Petgevity places no upper age limit on new policies, so senior pets are fully eligible. You can also insure up to eight cats or dogs under one multi-pet policy, customising the cover level, excess, and optional extras for each pet individually. This flexibility makes it suitable for households with more than one pet.
Do I have to pay vet fees upfront with Petgevity?
Yes, with Petgevity, you need to pay your vet bills upfront and then submit a claim for reimbursement. Petgevity does not currently offer a direct pay or third-party payment system like Payvet. After treatment, submit your claim and required documents online or by email to get reimbursed according to your chosen cover and excess.
How do I cancel my Petgevity pet insurance policy?
To cancel your Petgevity insurance, simply notify their customer service by email or through your online account. There is no cancellation fee, and your policy can be terminated at any time with immediate effect or at renewal. If you haven't made a claim, you may get a pro-rata refund. Be sure to provide your details and policy number when requesting cancellation.
Are pre-existing conditions covered by Petgevity?
Petgevity considers covering pre-existing conditions if they are fully disclosed when you get your quote and are accepted in your policy documents. Coverage depends on approval during the application. This makes Petgevity a good option for pets that might be turned away elsewhere due to current or past health conditions.
What is the waiting period before my cover starts?
A waiting period applies at the start of your policy: accidents are covered after 2 days, and illnesses after 14 days. If your pet is switching directly from an equivalent lifetime policy with no lapse in cover, Petgevity may waive waiting periods for issues that would have been covered under your previous plan (subject to terms).
Can I get coverage for older pets or multi-pet households?
Yes, Petgevity places no upper age limit on new policies, so senior pets are fully eligible. You can also insure up to eight cats or dogs under one multi-pet policy, customising the cover level, excess, and optional extras for each pet individually. This flexibility makes it suitable for households with more than one pet.
