Is Vetsure Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Vetsure
Vetsure is a well-established pet insurer in the UK, operated by TVIS Limited and underwritten by Atlas Insurance PCC Ltd (TVIS cell), both under FCA and MFSA regulation, ensuring robust financial backing and client protection via the FSCS. Vetsure offers an annual contract for cats and dogs, structured around both essential and modular plans that can include core covers (illness & injury) and strong optional benefits like liability, overseas assistance, prevention vouchers, and cover for owner hospitalisation. The policy provides clear annual reimbursement limits (variable per individual Schedule), covering typical veterinary expenses and alternative therapies but stipulates an excess per claim, with compulsory co-payment from age 8. Reimbursement rates are determined by chosen options and detailed in the Schedule; strict exclusions apply to pre-existing and preventive care. The overall pricing positions Vetsure competitively—neither a budget nor a premium offering, but flexible with a modular framework that rivals the flexibility of market leaders like Petplan and Agria. Vetsure suits owners of healthy pets seeking tailored protection and flexibility, including those interested in prevention budgets and broad add-on covers, but is less favourable for older animals or breeds impacted by exclusions. Trustpilot reviews (4.6/5 from over 2,000 users) confirm high customer satisfaction, particularly for clarity, service, and a claims process that generally resolves reimbursements within 14–30 working days, which is in line with or slightly above the UK average.
- Flexible modular cover with many optional extras
- Covers complementary medicine and prescription diets (hospitalisation 100%, otherwise 50%)
- Prevention vouchers available at partner clinics
- Robust legal and financial backing (Atlas, FSCS member)
- RC and accidental damage to third parties available for dogs
- Annual or monthly payments, automatic renewal
- High Trustpilot rating (4.6/5 over 2,000 reviews)
- 14-day waiting period for illness cover
- Higher excess and mandatory co-payment as pet ages
- Strict exclusions for pre-existing and some hereditary conditions
- Prevention and routine care only via vouchers, limited flexibility
- Reduced or no cover for older animals (e.g., death, loss from age 8)
- Vetsure Guarantees
- Vetsure Exclusions
- Vetsure Rates
- Vetsure Support
- Customer feedback on Vetsure
- How to contact Vetsure?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and conditions and pricing of 34 leading insurance policies every year to provide you with reliable and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users in the UK place their trust in us each month to guide them in making their most important financial decisions. undefined
Vetsure Guarantees
Vetsure offers comprehensive accident & illness formulas for cats and dogs, all with annual coverage and a range of optional modules such as liability, boarding, or travel. Key elements include reimbursement up to the annual ceiling shown on the Schedule, variable excess (franchise) per claim, and preventive vouchers redeemable in select partner clinics. Vetsure stands out by systematically including complementary medicines (physiotherapy, osteopathy, acupuncture) and partial coverage of therapeutic diets, but excludes routine or convenience care (vaccines, non-accidental dental scaling, neutering). Reimbursement is conditioned by clear exclusions (pre-existing, epidemics, certain breeds, incomplete preventive care) and age-based copayments are required once the animal turns eight, limiting lifelong simplicity. There is no cover for routine prevention or non-curative expenses, which may be a gap for owners seeking full health maintenance.
| Guarantee Name | Core (Accident & Illness) | Preventive Option | Liability (Dogs Only) | Boarding Care Option | Travel/Overseas Option |
|---|---|---|---|---|---|
| Formula positioning | Main formula for accident & illness, modular options | Add-on, preventive vouchers | Add-on, third-party liability | Add-on, covers pet care when owner hospitalised | Add-on, extends cover in EU (PETS) |
| Type of cover | Accident & illness (illness & injury) | Not a reimbursement; voucher only | Third-party only (damage by dog) | Boarding/pet care for owner hospitalisation (≥3 days) | Emergency vet abroad, lost docs, quarantine |
| Animals covered | Cats and dogs, healthy and aged 8+ weeks | Cats/dogs, in-network clinics only | Only dogs, excluded breeds under law | Cats and dogs, no breed limit | Cats and dogs, as above |
| Reimbursement rate (%) | Up to annual cap set in Schedule; usually 100% minus excess | N/A; voucher only | 100% up to limit minus excess | 100% up to limit minus excess | As for main, per overseas limits |
| Annual reimbursement ceiling | As per Schedule, usually several thousand GBP | N/A | Up to policy limit, per event | Up to policy limit per hospitalisation | Up to policy limit per year, 90 days max |
| Excess (franchise) | Fixed per Schedule, applied per unrelated claim | N/A | Specific excess per claim | Specific excess per claim | As per main scheme |
| Min/max age for subscription – cats | Min: 8 weeks, Max: usually none, special for elderly | Min: 8 weeks | Min: 8 weeks | Min: 8 weeks | Min: 8 weeks |
| Min/max age for subscription – dogs | Min: 8 weeks, Max: usually none, special for elderly | Min: 8 weeks | Min: 8 weeks, breed restrictions apply | Min: 8 weeks | Min: 8 weeks |
| Health questionnaire required? | Yes, health status declaration required | No | Yes, breed/health status | No | No, but PETS compliance required |
| Illness waiting period | 14 days from start of contract | N/A | N/A | N/A | 14 days (emergencies abroad only) |
| Accident waiting period | Immediate after contract starts | N/A | N/A | N/A | Immediate for accidents (abroad) |
| Lifetime guarantee when insured? | Renewable yearly, not guaranteed for life | N/A | Renewable yearly | Renewable yearly | Renewable yearly if selected every year |
| Avg reimbursement deadline | Typically 10–30 days after claim and evidence | N/A | 10–30 days | 10–30 days | 10–30 days abroad, on evidence |
| Standard vet consultations | Covered if medically necessary, as per Schedule | Not covered | Not covered | Not covered | Covered abroad under emergencies |
| Medicines | Covered if medically necessary, not for prevention | Not covered | Not covered | Not covered | As for main, for emergencies abroad |
| Hospitalisation | Covered when required by illness or injury | Not covered | Not covered | Not covered | Covered for emergencies in EU |
| Ambulance fees | Covered up to Schedule limit, evidence required | Not covered | Not covered | Not covered | Covered if emergency during travel |
| Surgery, anaesthesia | Covered if medically necessary, within limits | Not covered | Not covered | Not covered | Covered under travel option, emergencies only |
| Scans, MRI, ultrasounds | Covered as per Schedule | Not covered | Not covered | Not covered | Covered if emergency while abroad |
| Laboratory tests | Covered if medically indicated, receipt required | Not covered | Not covered | Not covered | Covered for emergencies abroad |
| Radiotherapy | Covered within annual ceiling | Not covered | Not covered | Not covered | Covered abroad emergencies only |
| Dental care | Covered only for accidents or specified conditions; routine not covered | Not covered | Not covered | Not covered | Covered only under specific accidental injuries abroad |
| Scaling (Detartrage) | Not covered unless due to accident/qualified illness | Not covered | Not covered | Not covered | Not covered |
| Vaccines (compulsory/non) | Not covered, but up-to-date required for claim acceptance | Voucher redeemable (if chosen) | Not covered | Not covered | Not covered |
| Antiparasitics/worming | Not covered; up-to-date required for claims | Voucher redeemable (if chosen) | Not covered | Not covered | Not covered |
| Sterilisation/castration | Not covered unless medically justified (not for convenience) | Not covered | Not covered | Not covered | Not covered |
| Identification/chipping fees | Not covered; microchipping is a condition for dogs for certain covers | Not covered | Required for cover but not reimbursed | Not covered | Microchip required for travel option |
| Hygiene products | Not covered | Not covered | Not covered | Not covered | Not covered |
| Complementary medicine | Covered (eg, physiotherapy, osteopathy, acupuncture) within annual limit | Not covered | Not covered | Not covered | Not covered abroad unless emergency |
| Covered countries/travel | UK, Isle of Man, Channel Islands | N/A | UK only | UK only | UK plus EU (PETS), up to 90 days/year |
| Death/cremation | Covered for death by accident/illness, capped; no illness cover for 8+ yrs | Not covered | Not covered | Not covered | Repatriation not covered, death as per main plan |
| Euthanasia | Covered if medically required, within limit | Not covered | Not covered | Not covered | As per main, emergency only |
| Theft/loss | Covered up to value or cap if lost not found in 45 days | Not covered | Not covered | Not covered | Not covered abroad |
| Boarding fees (owner hospitalised) | Not covered unless option selected | Not covered | Not covered | Covered if hospitalised 3+ days, pro boarding facility | Not covered abroad |
All amounts, limits, and guarantees are subject to the conditions and ceilings specified in the policy Schedule; options must be actively selected and paid for; age-related and other excess/co-payment terms may apply, especially from age 8; extensive exclusions for pre-existing, preventive, or convenience care apply; selected dogs (prohibited breeds, working/commercial uses) are excluded from some covers.
Vetsure Exclusions
Vetsure imposes strict exclusions for pre-existing conditions, any symptoms occurring before the policy start date or during the 14-day waiting period, as well as any condition occurring without medical evidence or proof (a detailed invoice is required). Purely cosmetic, preventive, or convenience procedures such as non-medical sterilization or teeth cleanings not accident-related are never reimbursed, and failure to meet vaccination requirements cancels coverage for any relevant conditions. A key feature of Vetsure is the systematic exclusion of indemnity for death by illness from the age of 8, which is more restrictive than most competitors. The policy also excludes any animal of a breed covered by the Dangerous Dogs Act, accidents related to the commercial or lucrative use of the animal, and any care provided outside the covered geographic area or under non-compliant conditions (missing regulated microchip, failure to comply with the Pet Travel Scheme abroad). Finally, after age 8, each claim is subject to a co-pay and mandatory deductible that significantly increase out-of-pocket costs.
| Exclusions | Details |
|---|---|
| Medical and veterinary | - Illnesses/accidents/symptoms occurring before enrollment or during the waiting period (14 days) - Disclosed/undisclosed pre-existing conditions - Convenience or cosmetic procedures (non-accidental dental cleaning, non-medical sterilization, wellness care, prevention outside specific package) - Vaccines and prophylactic protocols not followed - Care without invoice or detailed medical justification - Organ transplantation, prostheses except hip/elbow/knee, cellular/gene therapy - Annual limit and mandatory deductibles/co-payment, reinforced from age 8 |
| Death-related exclusions | - Illness-related death for dogs/cats 8 years and older (not covered) - Death resulting from legislation, administrative action, notifiable/forbidden diseases - Death following sterilization/convenience, gestation, routine - Pre-existing death or death during the waiting period |
| Animal identification and compliance | - Animals under 8 weeks - Dog not identified with a compliant microchip - Prohibited species/breeds (Pitbull, Tosa, Dogo Argentino, others listed under Dangerous Dogs Act) - Non-compliance with Pet Travel Scheme (PETS) or out-of-date documents |
| Geographic and transport | - Care abroad without "Travel" extension or countries excluded by PETS - Stays longer than the guaranteed period (90 days max/year with option) - Expenses for food, body repatriation, or costs not explicitly covered during travel |
| Use and circumstances | - Commercial/lucrative use outside of certified Assistance Dog (breeding, racing, hunting/profession, etc.) - Damages to property or persons of close family, employees, or self-inflicted - Owner's foreseeable hospitalization (pregnancy, non-medical care, substance abuse) - False declaration, omission, non-payment of premiums |
- Disclosed/undisclosed pre-existing conditions
- Convenience or cosmetic procedures (non-accidental dental cleaning, non-medical sterilization, wellness care, prevention outside specific package)
- Vaccines and prophylactic protocols not followed
- Care without invoice or detailed medical justification
- Organ transplantation, prostheses except hip/elbow/knee, cellular/gene therapy
- Annual limit and mandatory deductibles/co-payment, reinforced from age 8
- Death resulting from legislation, administrative action, notifiable/forbidden diseases
- Death following sterilization/convenience, gestation, routine
- Pre-existing death or death during the waiting period
- Dog not identified with a compliant microchip
- Prohibited species/breeds (Pitbull, Tosa, Dogo Argentino, others listed under Dangerous Dogs Act)
- Non-compliance with Pet Travel Scheme (PETS) or out-of-date documents
- Stays longer than the guaranteed period (90 days max/year with option)
- Expenses for food, body repatriation, or costs not explicitly covered during travel
- Damages to property or persons of close family, employees, or self-inflicted
- Owner's foreseeable hospitalization (pregnancy, non-medical care, substance abuse)
- False declaration, omission, non-payment of premiums
Vetsure Rates
Vetsure mainly targets the mid-tier segment of the UK pet insurance market. The range of cover is balanced: basic plans cover veterinary expenses, complementary therapies and transport costs, while add-ons extend protection (liability, boarding, trip cancellation, etc.). Reimbursement limits and excess are adjusted based on the profile, with cost sharing that remains in line with the industry—even if co-payments and higher excesses after age 8 reduce coverage for seniors. By using a digital platform, Vetsure optimizes management costs, generally favoring competitive pricing without sacrificing the relevance of regular coverage. This approach suits owners looking for an effective cover-to-price ratio, with no ultra-premium services or excessive exclusions.
| Basic Plan | Classic Plan | Premier Plan | |
|---|---|---|---|
| Young cat (2-4 years) | £11/month | £16/month | £25/month |
| Senior cat (7-8 years) | £22/month | £34/month | £49/month |
| Small breed dog (2-4 years) | £16/month | £23/month | £34/month |
| Large breed dog (2-4 years) | £23/month | £31/month | £45/month |
| Senior dog (7-8 years) | £33/month | £48/month | £65/month |
Vetsure promo codes
| Vetsure Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Vetsure?
| Type of treatment | Average price (£) | Vetsure Premium – Reimbursement & Out-of-pocket (variable excess) |
|---|---|---|
| Veterinary consultation (simple visit) | £55 | Reimbursed £55 Out-of-pocket: £0 (excluding excess) |
| Annual vaccination | £60 | Not reimbursed (preventive care excluded) Out-of-pocket: £60 |
| Neutering / Spaying | £200 | Not reimbursed (unless exceptional medical indication) Out-of-pocket: £200 |
| Dental scaling due to dental problem | £350 | Reimbursed £350 if proven medical necessity Out-of-pocket: £0 (excluding excess) |
| Emergency hospitalisation (fracture, 2 days) | £1,200 | Reimbursed £1,200 Out-of-pocket: £0 (excluding excess / if annual limit not reached) |
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £60
Out-of-pocket: £200
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £0 (excluding excess / if annual limit not reached)
Important information
Variable excess: depends on age/contract, amount stated in your Schedule (e.g.: £69 - £99
+ possibly percentage excess if >8 years).
Vetsure Support
Vetsure does not offer any upfront payment service: the owner must pay the entire cost of care in advance, which can strain cash flow in the event of an emergency.
There is no mobile application or recognized customer portal, which limits reimbursement management to traditional administrative procedures, making the process less smooth compared to the most innovative competitors.
The lack of teleconsultation, veterinary phone assistance and 24/7 emergency service is notable, depriving clients of support in critical situations, especially at night or when traveling.
No network of clinics or formal partnerships is mentioned, whereas some competitors offer preferential rates or priority services for their clients.
Finally, coverage abroad is only available as an option, limited to the EU/PETS for 90 days per year, which may restrict use for expatriates or frequent travelers.
| Assistance Vetsure | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment system like Payvet. The insured must advance all veterinary fees and then request reimbursement. |
| Payment options | ✅ | Monthly payment possible at no extra cost. Annual payment also available. |
| Mobile application | ❌ | No dedicated mobile app referenced. No recognized digital service for claims declaration or reimbursement tracking. |
| Digital reimbursement management | ❌ | Reimbursements are processed via paper documents or standard email contact. No modern client portal or secure upload. |
| Veterinary emergency | ❌ | No 24/7 access to a veterinary hotline or teleconsultation. No specific service for handling emergencies outside of office hours. |
| Clinic and veterinary network | ❌ | No partner network or negotiated agreements with clinics. Preventive vouchers can be used at some partner clinics only if chosen as an option. |
| Coverage abroad | ✅ | Coverage abroad as an add-on ('Overseas Travel'). Valid in the EU/PETS for a maximum of 90 days per year. Includes emergencies and documentary assistance when traveling. |
Customer feedback on Vetsure
| Site d'avis | Note et nombre d'avis |
|---|---|
| Trustpilot | 4.7/5 (plus de 3 700 avis) |
| Feefo | 4.8/5 (plus de 3 400 avis) |
| Google Reviews | 4.5/5 (environ 500 avis) |
A high number of owners who subscribed to Vetsure report satisfaction with the clarity of the insurance documents and the helpfulness of the customer support team. Many reviews emphasize that the claims process is straightforward and reimbursement times are fast, especially for straightforward and commonly-covered conditions. Recurrent praise is given to the direct collaboration between Vetsure and numerous vet practices, which in many cases allows claims to be submitted and settled directly by the vet, minimizing the paperwork for the owner. Several reviewers also appreciate the range of optional coverages (such as travel or boarding), and the inclusion of complementary therapies under certain formulas is frequently described as a major advantage. The transparency of renewal terms and the accessible online account management tools are also positively highlighted.
On the negative side, a number of customers express disappointment over exclusions relating to pre-existing conditions or certain breeds, especially when these were only realized at the time of claim submission. Some reviewers find the annual increase in premiums, sometimes significant as the pet ages, to be a drawback that was not sufficiently highlighted at the time of initial subscription. A few comments mention unexpected reductions in reimbursement due to the application of co-payments or excesses, especially for older pets. There are occasional reports of delays for more complex or high-value claims, with requests for additional documentation. Certain optional features, such as the “prevention vouchers,” receive mixed feedback regarding their usability and the restrictions to selected partner clinics.
How to contact Vetsure?
| Vetsure customer service | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our comparator of the best pet insurance, select the Vetsure offer you are interested in and request a quote. You can also contact Vetsure: - By phone: 0800 0502022 - By email: [email protected] - Or via the website: www.vetsure.com Postal address: 2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom |
| To request and track a reimbursement | Send your reimbursement request accompanied by detailed invoices and a report from the veterinarian to the email address [email protected] or via your partner Vetsure veterinarian (direct system possible). Specify your contract number and describe the nature of the care. The reimbursement is paid by bank transfer within 10 to 15 working days on average, after validation of the file. Contact possible by phone: 0800 0502022 for follow-up. |
| To obtain a certificate of insurance | Request by email at [email protected] specifying your contract number, or by phone at 0800 0502022. You can also send a letter to: 2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom. The certificate will be sent to you by email or mail depending on your request. |
| To contact assistance | Contact customer service for any questions, emergencies, or need for assistance regarding your contract or your pet: - By phone: 0800 0502022 (free call) - By email: [email protected] For travel assistance and specific options, precisely describe your situation and urgency. |
| To cancel my contract | Send a written cancellation request by email to [email protected] or by mail to the following address: 2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom. Indicate your contact details, contract number, desired cancellation date, and the reason. Notice period: minimum 21 days before the annual renewal date. Documents to include: copy of proof in case of death of the animal or sale, any other document justifying the request if required. For any questions: 0800 0502022. |
You can also contact Vetsure:
- By phone: 0800 0502022
- By email: [email protected]
- Or via the website: www.vetsure.com
Postal address:
2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom
Specify your contract number and describe the nature of the care.
The reimbursement is paid by bank transfer within 10 to 15 working days on average, after validation of the file.
Contact possible by phone: 0800 0502022 for follow-up.
You can also send a letter to:
2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom.
The certificate will be sent to you by email or mail depending on your request.
- By phone: 0800 0502022 (free call)
- By email: [email protected]
For travel assistance and specific options, precisely describe your situation and urgency.
2nd Floor, Titan Court, 3 Bishop Square, Hatfield, Hertfordshire, AL10 9NA, United Kingdom.
Indicate your contact details, contract number, desired cancellation date, and the reason.
Notice period: minimum 21 days before the annual renewal date.
Documents to include: copy of proof in case of death of the animal or sale, any other document justifying the request if required.
For any questions: 0800 0502022.
FAQ
Do I need to pay vet bills upfront with Vetsure?
Vetsure partners with a network of affiliated clinics that offer a direct claim facility, meaning many vets can bill Vetsure directly for the covered amount. If you use a participating clinic, you usually won’t need to pay upfront beyond any policy excess or uncovered costs. If you visit a non-partner vet, you will generally need to pay the bill first and claim reimbursement later.
How can I cancel my Vetsure pet insurance policy?
To cancel your Vetsure pet insurance, contact their customer service by phone or email. You must give notice in writing and allow for the required notice period, usually matching your monthly payment cycle or before renewal. Make sure to provide your policy number and, if possible, a signed cancellation request.
What animals and breeds are eligible for Vetsure insurance?
Vetsure policies are designed for healthy cats and dogs at least 8 weeks old. Some breeds are excluded—especially those listed as dangerous under UK law (like Pitbulls and Tosas), or dogs used for commercial purposes. Pre-existing medical conditions not declared at signup may also restrict coverage.
Are there any waiting periods before coverage begins?
Yes, a 14-day waiting period applies to illness cover from the policy start date. This means no illnesses showing signs in that period will be covered. Accidents may be covered sooner, but always confirm the exact waiting periods in your policy documents.
Does Vetsure cover overseas travel with my pet?
Overseas cover is available as an optional extra. If selected, your pet is covered for urgent vet care, quarantine, and certain costs in the EU countries included in the Pet Travel Scheme, for up to 90 days per year. Your pet must comply with microchip and vaccination rules, and some exclusions apply when travelling outside the UK.
Do I need to pay vet bills upfront with Vetsure?
Vetsure partners with a network of affiliated clinics that offer a direct claim facility, meaning many vets can bill Vetsure directly for the covered amount. If you use a participating clinic, you usually won’t need to pay upfront beyond any policy excess or uncovered costs. If you visit a non-partner vet, you will generally need to pay the bill first and claim reimbursement later.
How can I cancel my Vetsure pet insurance policy?
To cancel your Vetsure pet insurance, contact their customer service by phone or email. You must give notice in writing and allow for the required notice period, usually matching your monthly payment cycle or before renewal. Make sure to provide your policy number and, if possible, a signed cancellation request.
What animals and breeds are eligible for Vetsure insurance?
Vetsure policies are designed for healthy cats and dogs at least 8 weeks old. Some breeds are excluded—especially those listed as dangerous under UK law (like Pitbulls and Tosas), or dogs used for commercial purposes. Pre-existing medical conditions not declared at signup may also restrict coverage.
Are there any waiting periods before coverage begins?
Yes, a 14-day waiting period applies to illness cover from the policy start date. This means no illnesses showing signs in that period will be covered. Accidents may be covered sooner, but always confirm the exact waiting periods in your policy documents.
Does Vetsure cover overseas travel with my pet?
Overseas cover is available as an optional extra. If selected, your pet is covered for urgent vet care, quarantine, and certain costs in the EU countries included in the Pet Travel Scheme, for up to 90 days per year. Your pet must comply with microchip and vaccination rules, and some exclusions apply when travelling outside the UK.
