Is Swinton Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Swinton
Swinton Pet Insurance is a long-standing UK insurer, offering lifetime cover via three Essentials plans with annual benefit caps of £2,000, £4,000, or £7,000. All formulas refund treatment for illness or accidents, with sub-limits on key risks such as cruciate ligament disease (£2,000–£3,000), accident-only dental (£1,500–£5,000), and complementary therapies (£500–£1,000). Legal liability for dog owners is capped at £1 million, and a 24/7 vet advice line is included. Fixed excesses apply per claim or condition, with some age-based co-payments for older or high-risk pets. Routine and preventative care (including standard dental) is excluded, as are pre-existing, hereditary, working, or banned breeds, and there's no overseas veterinary cover. Swinton’s rates are often cited as competitive and suit owners seeking a transparent, decent-value lifetime policy for young to middle-aged pets, especially where legal liability and multi-tier benefit options are key. The Swinton brand, part of the Atlanta Group (over 65 years’ presence), is FCA-regulated, with Antares as underwriter and FSCS cover. Swinton is notable for accessibility and responsive customer service, but Trustpilot highlights an average overall experience (3.6/5 from 210 reviews), with most criticism around claims delays and third-party handling; claims are possible both online and by phone, but average reimbursement time is variable and not systematically digital. Swinton thus occupies an intermediate spot between online disruptors and legacy specialists—robust for value, service and document clarity, but some way from best-in-class for speed and seamless experience.
- ✅Three cover levels from £2,000 to £7,000 yearly limits
- ✅Lifetime cover with annual benefit refresh
- ✅Competitive pricing frequently reported by customers
- ✅Legal liability for dog owners included (£1M)
- ✅24/7 free vet advice helpline access
- ✅Clear disclosure of sub-limits and exclusions
- ✅Easy policy setup and accessible documentation
- ❌Routine care and standard dental not covered
- ❌Claims handled by third-party, not fully digital
- ❌Accident-only dental (no reimbursement for illness-related dental)
- ❌No overseas veterinary cover offered
- ❌Mixed feedback on claims speed and communication
- ✅Three cover levels from £2,000 to £7,000 yearly limits
- ✅Lifetime cover with annual benefit refresh
- ✅Competitive pricing frequently reported by customers
- ✅Legal liability for dog owners included (£1M)
- ✅24/7 free vet advice helpline access
- ✅Clear disclosure of sub-limits and exclusions
- ✅Easy policy setup and accessible documentation
Our Expert's Opinion on Swinton
Score- ✅Three cover levels from £2,000 to £7,000 yearly limits
- ✅Lifetime cover with annual benefit refresh
- ✅Competitive pricing frequently reported by customers
- ✅Legal liability for dog owners included (£1M)
- ✅24/7 free vet advice helpline access
- ✅Clear disclosure of sub-limits and exclusions
- ✅Easy policy setup and accessible documentation
- ❌Routine care and standard dental not covered
- ❌Claims handled by third-party, not fully digital
- ❌Accident-only dental (no reimbursement for illness-related dental)
- ❌No overseas veterinary cover offered
- ❌Mixed feedback on claims speed and communication
- ✅Three cover levels from £2,000 to £7,000 yearly limits
- ✅Lifetime cover with annual benefit refresh
- ✅Competitive pricing frequently reported by customers
- ✅Legal liability for dog owners included (£1M)
- ✅24/7 free vet advice helpline access
- ✅Clear disclosure of sub-limits and exclusions
- ✅Easy policy setup and accessible documentation
- Swinton Guarantees
- Exclusions from Swinton
- Swinton rates
- Swinton Assistance
- Customer feedback on Swinton
- How to contact Swinton?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of all major insurance policies on the UK market each year to deliver you a thorough, reliable, and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust HelloSafe every month to help guide them in their most important financial decisions.
Swinton Guarantees
Swinton offers three lifelong “Essentials” formulas—£2,000, £4,000, or £7,000 per year—each with clear annual vet fee limits and corresponding sub-limits for dental (accident only), complementary treatments, MRI/CT, and behavioural therapy. Their main strengths are solid reimbursement levels, broad accident and illness cover, a 24/7 free vet helpline, and £1M legal liability for dogs, making Swinton stand out for its transparent sub-limits and accessible support.
However, Swinton excludes routine and preventive care (vaccinations, spay/neuter, routine dental), all overseas cover, and pre-existing conditions, and only reimburses accident-related dental issues—not illness. The fixed excess (per claim or per condition annually) can be combined with a co-payment for older pets, and there’s no cover for banned or working breeds.
Swinton’s formulas are competitive in scope for essential health events, but if you seek routine/preventative cover or travel with your pet, other insurers may offer more comprehensive options.
| Essentials £2,000 | Essentials £4,000 | Essentials £7,000 | |
|---|---|---|---|
| Positioning of the plan | Entry-level, capped at £2,000/year | Mid-range, capped at £4,000/year | Premium, capped at £7,000/year |
| Type of cover: accident, illness, both | Both—accident & illness | Both—accident & illness | Both—accident & illness |
| Animals covered | Cats & dogs (some breeds excluded) | Cats & dogs (some breeds excluded) | Cats & dogs (some breeds excluded) |
| % reimbursement (within limits) | Up to annual/sub-limits | Up to annual/sub-limits | Up to annual/sub-limits |
| Annual vet fee limit | £2,000 | £4,000 | £7,000 |
| Cruciate ligament cap (per year) | £2,000 | £2,500 | £3,000 |
| Dental (accident only) cap | £1,500 | £3,000 | £5,000 |
| CT/MRI scans | £1,000 | £2,000 | £3,000 |
| Complementary therapy cap | £500 | £750 | £1,000 |
| Behavioural disorders cap | £750 | £1,000 | £1,500 |
| Legal liability (dogs only) | £1,000,000 per claim | £1,000,000 per claim | £1,000,000 per claim |
| Pet minding/boarding fees | £500 max | £500 max | £500 max |
| Policy excess | Fixed amount per claim or condition | Fixed amount per claim/condition | Fixed amount per claim/condition |
| Age to join – cats | ≥8 weeks, no stated upper limit | ≥8 weeks, no stated upper limit | ≥8 weeks, no stated upper limit |
| Age to join – dogs | ≥8 weeks, no stated upper limit | ≥8 weeks, no stated upper limit | ≥8 weeks, no stated upper limit |
| Health questionnaire at joining | NC | NC | NC |
| Illness waiting period | 10 days from cover start | 10 days from cover start | 10 days from cover start |
| Accident waiting period | 48 hours from cover start | 48 hours from cover start | 48 hours from cover start |
| Lifetime guaranteed if continuously insured | ✅ | ✅ | ✅ |
| Vet consultations (incl. emergencies) | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| Medication | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| Hospitalisation | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| Ambulance fees | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| Surgery, anaesthesia | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| CT, MRI, ultrasound | Up to £1,000 (CT/MRI), annual cap | Up to £2,000 (CT/MRI), cap | Up to £3,000 (CT/MRI), cap |
| Blood tests, lab analyses | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits | ✅ Up to annual/sub-limits |
| Radiotherapy | ❌ | ❌ | ❌ |
| Dental care (accident only) | £1,500 max per year | £3,000 max per year | £5,000 max per year |
| Regular detartrage (scaling, etc.) | ❌ | ❌ | ❌ |
| Preventive package (vaccines, etc.) | ❌ | ❌ | ❌ |
| Complementary medicine (physio, etc.) | Up to £500, max 12 sessions/year | Up to £750, max 12 sessions/year | Up to £1,000, max 12 sessions/year |
| Alternative diets (prescription food) | Up to £100/year | Up to £100/year | Up to £100/year |
| Territorial scope | UK, Channel Islands, Isle of Man | UK, Channel Islands, Isle of Man | UK, Channel Islands, Isle of Man |
| Death/cremation cover | ❌ | ❌ | ❌ |
| Euthanasia (humane, by vet) | ✅ Medically necessary/within vet fees | ✅ Medically necessary/within vet fees | ✅ Medically necessary/within vet fees |
| Theft/loss/finding pet | ❌ | ❌ | ❌ |
| Pet minding/boarding (owner hospitalised) | £500 cap, 3+ days NHS hospital | £500 cap, 3+ days NHS hospital | £500 cap, 3+ days NHS hospital |
| Kennel/cattery cover | Included in boarding (above) | Included in boarding (above) | Included in boarding (above) |
| Emergency repatriation | ❌ | ❌ | ❌ |
| Search/reward fees | ❌ | ❌ | ❌ |
| Boarding beyond illness | ❌ | ❌ | ❌ |
Good to know
The policy does not cover routine/preventive care (e.g. vaccines, neutering, flea/worm treatment, nail trims, non-essential dental) or any costs outside the UK, Isle of Man, or Channel Islands. Excess is set per claim or condition per year and co-payment may apply for older pets—amount communicated at purchase/renewal. Claims must be submitted within 6 months and cover will lapse if there is a break in insurance; pre-existing and congenital/developmental conditions are permanently excluded. Legal liability is limited to dogs and strictly excludes incidents abroad, banned breeds, and working/assistance dogs. There is no cover for euthanasia for non-medical or non-veterinary reasons, nor any form of “lump sum” for death/cremation.
Compare multiple pet insurers to ensure you get the best deal for your pet’s needs and your budget.
👉 Compare pet insurance plans for freeStart saving on vet billsExclusions from Swinton
Swinton Pet Essentials Insurance applies a rigorous set of exclusions, with notable points that set it apart from some competitors. Only accident-related dental treatment is covered—dental illness is always excluded, which is more restrictive than many UK policies. There is absolutely no cover for veterinary fees incurred outside the UK, Channel Islands, or Isle of Man, meaning no overseas treatment costs are reimbursable (even for short trips).
Breed exclusions are firm: all dogs listed under the Dangerous Dogs Act and certain breeds (Pit Bull, Japanese Tosa, Dogo Argentino, wolf hybrids, etc.) are ineligible for any cover.
Strict notification rules apply: claims must be submitted within six months and any lapse in policy renewals breaks continuity of cover for ongoing or recurring conditions.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (signs or treatment before start date) - Routine/preventive care (vaccines, flea/tick/worm, routine neuter, nail/grooming, dental unless accident-related) - Dental illness (only accident dental covered) - Congenital/developmental defects (in some cases) - Pregnancy, whelping, cryptorchidism - Conditions arising during waiting periods (10 days illness, 48h accident) |
| Geographic Exclusions | - No cover outside UK, Channel Islands, Isle of Man (including travel and vet fees abroad) - No third-party/legal liability if incident occurs outside these territories |
| Animal/Breed Exclusions | - Banned dogs (Dangerous Dogs Act, Pit Bull, Dogo Argentino, Japanese Tosa, wolf hybrids, etc.) - Pets under 8 weeks old - Working/racing/breeding animals (used for trade, professional or illegal activities) |
| Identification/Legal Requirement | - Claims invalid if pet is not microchipped (if required by law) - Criminal acts, deliberate neglect/harm, fraud |
| Administrative & Other Exclusions | - Claims submitted >6 months after incident/diagnosis (except liability) - Claims over annual/sub-limits or policy excess - Non-licensed pet minders/boarding - War, terrorism, cyber/data loss, nuclear risk |
- Routine/preventive care (vaccines, flea/tick/worm, routine neuter, nail/grooming, dental unless accident-related)
- Dental illness (only accident dental covered)
- Congenital/developmental defects (in some cases)
- Pregnancy, whelping, cryptorchidism
- Conditions arising during waiting periods (10 days illness, 48h accident)
- No third-party/legal liability if incident occurs outside these territories
- Pets under 8 weeks old
- Working/racing/breeding animals (used for trade, professional or illegal activities)
- Criminal acts, deliberate neglect/harm, fraud
- Claims over annual/sub-limits or policy excess
- Non-licensed pet minders/boarding
- War, terrorism, cyber/data loss, nuclear risk
Swinton rates
Swinton positions itself in the UK pet insurance market with a generally competitive price point, offering clear sub-limits and capped annual reimbursement levels across three Essentials formulas. The coverage is solid for accident and illness, but with limitations typical of the segment—routine and preventive care, as well as dental for illness, are excluded, and cover applies only in the UK, all of which help maintain affordability.
Standard features like 24/7 vet helpline and legal liability for dogs are included at all levels, but more costly and comprehensive extras (e.g. illness dental, broad prevention) are not, keeping Swinton well-aligned with mainstream rather than premium-focused providers.
Feedback highlights online setup and pricing as strengths, while some users cite slower claims handling due to third-party administration—an aspect not uncommon among non-digital-native intermediaries and which does not drive premium pricing down to the lowest in the market.
Overall, Swinton stands in a median to slightly below-median price position: economical for basic needs, but not as extensive or fully digital as the purest low-cost or digital-only brands.
| Essentials £2,000 | Essentials £4,000 | Essentials £7,000 | |
|---|---|---|---|
| Young Cat (2–4 yrs) | £8/mo | £13/mo | £18/mo |
| Senior Cat (7–8 yrs) | £14/mo | £20/mo | £27/mo |
| Small Dog (General) | £13/mo | £18/mo | £25/mo |
| Small Dog (2–4 yrs) | £11/mo | £17/mo | £22/mo |
| Large Dog (2–4 yrs) | £16/mo | £23/mo | £34/mo |
| Senior Dog (7–8 yrs) | £22/mo | £31/mo | £44/mo |
For the best value, compare quotes across different providers, as prices and coverage can vary significantly by breed, age, and specific needs.
👉 Compare pet insurance plans for freeStart saving on vet billsSwinton promo codes
| Swinton promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
Note: Promotional codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be refunded with Swinton?
Discover how Swinton helps you manage unexpected vet bills: with the Essentials £7,000 formula, you can claim up to £7,000 per year for illness or accident, with generous sub-limits on costly treatments—meaning you pay only your fixed excess and a fraction of the bill, not the total.
Example 1: Emergency surgery for foreign body ingestion (dog)
Total vet fees: £1,900 (consultation, x-rays, surgery, hospitalisation, medication)
Policy excess applied (per condition, per policy year): £99 (example; actual excess will show on your policy schedule)
Claim after excess: £1,900 – £99 = £1,801
Amount reimbursed (up to £7,000 annual limit): £1,801
👉 You receive £1,801 from Swinton—meaning your out-of-pocket is only £99, not £1,900.
ℹ️ The fixed excess of £99 is paid once per condition per policy year. If your pet needs further treatment in the same year for this issue, you don’t pay another excess.
Example 2: MRI scan and treatment for lameness (cat)
Total vet fees: £2,400 (including referral, MRI scan, medication, physiotherapy)
MRI scan sub-limit: £3,000 per year under Essentials £7,000—claim is within limit.
Policy excess: £99
Claim after excess: £2,400 – £99 = £2,301
Amount reimbursed: £2,301
👉 You are reimbursed £2,301; you pay only the £99 excess upfront.
ℹ️ If you use the MRI sub-limit (£3,000), and the full policy annual limit (£7,000), you’ll be protected for any complex diagnostics throughout the year.
Example 3: Dental surgery after accident (dog)
Total dental treatment cost: £1,200 (fractured tooth, extraction under general anaesthetic)
Dental accident-only sub-limit: £5,000/year (Essentials £7,000)
Policy excess: £99
Claim after excess: £1,200 – £99 = £1,101
Amount reimbursed: £1,101
👉 You get £1,101 back; you pay £99 out of £1,200.
ℹ️ Only dental care caused by accident is reimbursed. Illness-based dental treatments are not covered. You’re covered up to £5,000 per year for accidental dental incidents, subject to your annual £7,000 policy limit.
Swinton Assistance
Swinton’s key assistance feature is the free 24/7 veterinary advice line, offering unlimited access to clinical and behavioural support, which is a strong asset for policyholders needing real-time guidance.
However, there is no advance of fees service—owners must pay vets upfront and submit receipts for reimbursement, which can be a strain in emergencies.
Claims can be submitted online or by phone, but user feedback highlights notable delays and administrative confusion in claims processing, partly due to handling by a third-party partner and the lack of transparent claim tracking.
No dedicated mobile app exists for pet insurance, so tasks such as managing policies or tracking claims are only accessible via the website; app-centric convenience and real-time notification features are absent.
There is no emergency teleconsultation or partner clinic network, and all cover is strictly limited to the UK, Channel Islands, and Isle of Man, leaving owners without any support for vet care abroad.
| Assistance Swinton | Disponible ? | Détails |
|---|---|---|
| Advance of fees | ❌ | No Payvet, Petcard or similar facility. Owners pay up front and reclaim via claims. No direct-to-vet payment system in place. |
| Instalment payments | ✅ | Monthly payments available, often via third-party finance provider (can require additional admin). |
| Mobile app | ❌ | No dedicated mobile app for pet insurance. No Apple/Google Play rating. All management via web portal, thus lacking in-app notifications or mobile upload features. |
| Digital claim management | ✅ | Claims can be submitted online or by phone/web form. No end-to-end digital tracking—users regularly report confusion and delays about claim updates and status. |
| 24/7 veterinary emergency helpline | ✅ | 24/7 phone-based vet advice line for health, behaviour, nutrition, bereavement. No video/txt teleconsult or in-app emergency call; phone only. |
| Partner clinic/vet network | ❌ | No panel or network of preferred vets/clinics; policyholders choose any UK-registered vet. No preferential tariffs or fast-track claim support via partner vets. |
| Cover abroad | ❌ | Vet fee and liability cover strictly for the UK, Channel Islands, and Isle of Man only. No insurance for overseas travel or vet costs abroad, even for temporary trips. |
Customer feedback on Swinton
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 3.6 / 5 (210 reviews) |
We have analysed the reviews from the site listed above. On the positive side, policyholders who have subscribed with Swinton for their pets often mention:
- An easy-to-use website and clear documentation: the process of purchasing and setting up a policy online is usually described as straightforward and user-friendly.
- Competitive pricing: insurance premiums are frequently highlighted as favourable and offering good value for the level of coverage provided.
- Helpful customer service: the staff are often described as polite, knowledgeable, efficient and able to assist with queries and policy setup in a prompt manner.
- Timely and polite responses to feedback: Swinton regularly acknowledges customer feedback online, responds quickly to negative reviews, and invites further discussion or complaints where necessary.
On the negative side:
- Claims processing delays and confusion: a number of customers report significant delays, administrative hurdles, and a lack of clarity in the progress and outcome of their claims, sometimes resulting in payments being outstanding for several weeks.
- Outsourced claims handling: there is frustration that claims are administered by a third party rather than directly by Swinton, which can hinder communication and create confusion during resolution of claims.
- Perceptions of unfair claim reviews: some reviewers feel claims are scrutinized heavily, with attempts to link issues to pre-existing or excluded conditions in order to decline or reduce payouts.
- Complicated payment setup: difficulties have been noted with the monthly payment plans being managed by an external finance provider, leading to further administrative steps and inconvenience.
- Communication issues during sensitive periods: in situations such as pet bereavement or policy closure after a pet's death, some customers feel there is insufficient or confusing communication, occasionally resulting in further financial or emotional distress.
How to contact Swinton?
| Swinton customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use HelloSafe's pet insurance comparison tool, select the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | - You can submit a reimbursement request online, by phone at 0333 035 9951, or via paper form. - Required documents: detailed vet invoices, medical records, any supporting documentation. - The vet can also send supporting documents directly. - Reimbursements are generally paid by bank transfer; the average processing time varies, but expect between 1 and 4 weeks depending on the complexity and completeness of the documents provided. - Follow-up possible by phone at 0333 035 9951. |
| To get a proof of insurance | - Request a certificate by phone from customer service at 0333 035 9584. - You can also request it via your Swinton online account (if available) or by emailing support. |
| To contact assistance | - For emergency veterinary advice, call the 24/7 vet line at 0333 332 4473. - For any questions about your policy or in an administrative emergency, contact customer service at 0333 035 9584. |
| To cancel my policy | - You can cancel at any time by calling 0333 035 9584 or by mail (see address on your Swinton policy). - A minimum notice period of 14 days applies within the legal cooling-off period, otherwise until the next annual renewal. - Include your policy references in your request and, if necessary, a signed letter. - Note: If no refund is due (policy with claims), your cancellation will take effect after administrative processing. |
- Required documents: detailed vet invoices, medical records, any supporting documentation.
- The vet can also send supporting documents directly.
- Reimbursements are generally paid by bank transfer; the average processing time varies, but expect between 1 and 4 weeks depending on the complexity and completeness of the documents provided.
- Follow-up possible by phone at 0333 035 9951.
- You can also request it via your Swinton online account (if available) or by emailing support.
- For any questions about your policy or in an administrative emergency, contact customer service at 0333 035 9584.
- A minimum notice period of 14 days applies within the legal cooling-off period, otherwise until the next annual renewal.
- Include your policy references in your request and, if necessary, a signed letter.
- Note: If no refund is due (policy with claims), your cancellation will take effect after administrative processing.
FAQ
Do I need to pay vet fees upfront with Swinton?
Swinton does not currently offer a direct payment (third-party/Payvet) system to vets. This means you will usually need to pay the vet bills yourself upfront, then submit a claim to Swinton for reimbursement. Occasionally, your vet may agree to claim directly from Swinton, but this is at the vet’s discretion and is not guaranteed by Swinton’s policy.
How do I cancel my Swinton pet insurance policy?
You can cancel your Swinton pet insurance by contacting their customer service by phone, online, or in writing. If you cancel within the first 14 days, you’ll get a pro-rata refund if no claim has been made. After this period, you can cancel anytime, with a refund only if no claim is paid or pending. Provide your policy details and confirmation of your request; no special documents are usually required.
What does Swinton Pet Insurance cover and exclude?
Swinton covers emergency and illness vet fees for cats and dogs (except certain breeds), legal liability (dogs), boarding fees if you’re hospitalised, and 24/7 vet advice. Exclusions include pre-existing and congenital conditions, routine or preventative care (like vaccinations, flea treatments, or neutering), pets under 8 weeks, and any treatment outside the UK, Channel Islands or Isle of Man.
Are there waiting periods before cover starts?
Yes, Swinton pet insurance has a 10-day waiting period for illness cover and 48 hours for accidents after your policy starts. Any illness signs or injuries that appear during these periods will not be covered, and pre-existing conditions identified before the policy began are also excluded.
Is Swinton pet insurance suitable for older pets or certain breeds?
Swinton covers cats and dogs from 8 weeks old, but some older pets may be subject to higher excesses or co-payments per claim. Certain breeds, especially banned or working breeds, are excluded. Always check the list of excluded breeds and be aware that premiums and excess may increase as your pet ages.
Do I need to pay vet fees upfront with Swinton?
Swinton does not currently offer a direct payment (third-party/Payvet) system to vets. This means you will usually need to pay the vet bills yourself upfront, then submit a claim to Swinton for reimbursement. Occasionally, your vet may agree to claim directly from Swinton, but this is at the vet’s discretion and is not guaranteed by Swinton’s policy.
How do I cancel my Swinton pet insurance policy?
You can cancel your Swinton pet insurance by contacting their customer service by phone, online, or in writing. If you cancel within the first 14 days, you’ll get a pro-rata refund if no claim has been made. After this period, you can cancel anytime, with a refund only if no claim is paid or pending. Provide your policy details and confirmation of your request; no special documents are usually required.
What does Swinton Pet Insurance cover and exclude?
Swinton covers emergency and illness vet fees for cats and dogs (except certain breeds), legal liability (dogs), boarding fees if you’re hospitalised, and 24/7 vet advice. Exclusions include pre-existing and congenital conditions, routine or preventative care (like vaccinations, flea treatments, or neutering), pets under 8 weeks, and any treatment outside the UK, Channel Islands or Isle of Man.
Are there waiting periods before cover starts?
Yes, Swinton pet insurance has a 10-day waiting period for illness cover and 48 hours for accidents after your policy starts. Any illness signs or injuries that appear during these periods will not be covered, and pre-existing conditions identified before the policy began are also excluded.
Is Swinton pet insurance suitable for older pets or certain breeds?
Swinton covers cats and dogs from 8 weeks old, but some older pets may be subject to higher excesses or co-payments per claim. Certain breeds, especially banned or working breeds, are excluded. Always check the list of excluded breeds and be aware that premiums and excess may increase as your pet ages.
