★★★☆☆3.3/5HelloSafe rating

Petgevity pet insurance: review, plans and coverage 2026

Updated on 16 May 2026
5 min read
3.3
/ 5
HelloSafe score

Our honest review of Petgevity pet insurance

Petgevity pet insurance offers a UK pet insurance product underwritten by Great Lakes Insurance UK Limited (FRN 955859), underwritten by ERGO TIS (FRN 805870), arra. 1 plan option are available. The fixed excess sits at Certificate-defined, with senior co-payment Certificate-defined. Trustpilot score: 4.3/5 from 6010 reviews. The structural positioning vs the three HelloSafe UK partners (Agria, Waggel, 4Paws): Petgevity delivers a standard UK pet cover product without the dedicated pet-specialist underwriting depth of Agria (Swedish-origin since 1890), the app-first claim handling of Waggel, or the £30,000 annual cap on 4Paws Lifetime-30.

Our take: compare before signing up. With Agria, established Agria heritage since 1890.

Strengths

  • Underwritten by Great Lakes Insurance UK Limited (FRN 955859), underwritten by ERGO TIS (FRN 805870), arra — established UK insurer
  • 1 plan option for cover flexibility
  • Trustpilot 4.3/5 from 6010 reviews
  • Standard UK pet insurance product with industry-norm exclusions

Weaknesses

  • Generalist or multi-line underwriting vs dedicated pet specialist alternatives (Agria, Waggel)
  • Senior co-payment: Certificate-defined
  • Pre-existing conditions excluded with no finite lookback window
  • Annual vet fee limits and TPL on the Certificate of Insurance
  • No 24/7 vet helpline included as standard (varies by plan)

What does Petgevity cover for pet insurance?

Petgevity offers 1 plan option with standard UK pet insurance structure.

CoveragePetgevity Pet Insurance
Cover typeOn Certificate
Annual vet fee limitOn Certificate
ExcessCertificate-defined
Senior co-paymentCertificate-defined
Dental (with annual check-up)Within vet fees
Third Party Liability (dogs)On Certificate
Petgevity sits in the wider UK pet insurance market. For pet-specialist underwriting and HelloSafe's recommended partners, compare with Agria, Waggel and 4Paws.

Waiting periods

Event typeWaiting period
AccidentsOn Certificate
Illness14 days
Pre-existing conditionsExcluded
Senior co-payment thresholdCertificate-defined

Standard UK pet insurance waiting periods apply.

What does Petgevity exclude?

Petgevity exclusions follow standard UK underwriting practice.

CategoryWhat the policy says
Pre-existing conditionsExcluded, no finite lookback window
Illness in first 14 daysExcluded
Routine and preventative careExcluded
Dangerous Dogs Act + XL BullyExcluded
Standard UK pet insurance exclusions apply.

Petgevity pricing and reimbursement

Petgevity does not publish a fixed price grid; premiums depend on species, breed, age, postcode and chosen plan.

Sample pricing

ProfilePetgevity Pet Insurance
Cat, 1 year, mixed breed£12–£20/mo
Dog, 1 year, medium breed£15–£25/mo
Dog, 5 years, Labrador£22–£38/mo

Our take: compare before signing up. With Agria, established Agria heritage since 1890.

Available discounts

Multi-pet discount may apply.

Upfront vet costs

Direct vet payment may be available subject to practice arrangement.

3 reimbursement scenarios

Petgevity vs the top UK alternatives

Petgevity is a UK pet insurance brand. The chart positions it against the three HelloSafe UK partners.

HelloSafe comparison · updated May 2026

Annual vet fee cap vs monthly premium

Each provider's position on the two dimensions that drive value.

£4,000 £8,000 £12,000 £16,000 £20,000+
Agria
Waggel
4Paws
Petgevity
£75/mo£50/mo£25/mo£12/mo
Monthly price (GBP/month)

Indicative monthly prices for a medium-breed adult dog.

Compare the 3 UK partners Get quotes from the three pet insurers HelloSafe recommends. Free, no commitment.
Compare providers →

What services does Petgevity offer?

ServiceStatus
Petgevity customer portalYes
Great Lakes Insurance UK Limited (FRN 955859), underwritten underwritingYes
Multi-pet discountAvailable

Petgevity operates through the customer portal.

Standard UK pet insurance customer service. For pet-specialist depth, compare with HelloSafe's UK partners.

What do customers say about Petgevity?

Trustpilot shows 4.3/5 from 6010 reviews. Customer feedback follows the standard UK pet insurance segment pattern.

How to contact and cancel Petgevity

Contact

PurposeChannelDetails
Claims and reimbursementPetgevity portalOnline submission
Customer servicePhone / PortalDetails on policy documents
Complaint escalationPetgevity → Great Lakes Insurance UK Limit → FOSMulti-entity

Petgevity operates through the customer portal.

Cancellation

StepDetail
14-day cooling-off periodFull refund if cancelled within 14 days and no claims made
Cancellation methodVia portal or by phone
Refund after 14 daysPro-rata refund for unused cover, subject to claim history
Cover after cancellationCeases on the cancellation date
Claims after cancellationNo claims accepted for incidents after the cancellation date
RenewalAuto-renews unless cancelled

14-day cooling-off period standard FCA practice.

Alternatives to Petgevity

The three pet insurance providers HelloSafe recommends for UK owners comparing against Petgevity.

Our take: compare before signing up. With Agria, established Agria heritage since 1890.

Frequently asked questions about Petgevity

Is Petgevity pet insurance worth it?

Petgevity pet insurance is a UK pet insurance product underwritten by Great Lakes Insurance UK Limited (FRN 955859), underwritten by ERGO TIS (FRN 805870), arra. The product offers standard UK pet cover. The structural trade-off vs HelloSafe's recommended UK partners (Agria, Waggel, 4Paws) is the lack of dedicated pet-specialist underwriting. For owners on a budget who accept the standard cover structure, Petgevity can be competitive. For pet specialism, HelloSafe partners offer more depth.

Does Petgevity pet insurance cover pre-existing conditions?

No. Petgevity excludes pre-existing conditions with no finite lookback window. Lifetime exclusion in practice.