Your pet deserves the best

Everything we do is backed by traditional values, and state of the art technology.
Join the club today and experience pet insurance like no other.

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The Whistle & Wag Difference

We like to stand out in a world of insurance options. Here’s how we do it…

Cover for Life

Peace of mind and certainty of cover as long as you renew.

Fixed Excess

Certainty of out of pocket expenses. No co-payments.

Proudly British

UK based customer service and claims teams.

Your Choice of Vet

Your vet, your choice, always without penalty.

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How Does It Work?

Lifetime cover carefully crafted by specialists and vets, to benefit pet owners. No waiting periods when switching. Pre-existing cover for conditions that ended 2 years ago.

When this happens:

Illness

Including cancer, arthritis, infections, heart disease, diabetes, allergies, skin conditions, vomiting, diarrhoea, seizures and others

Accidents

Broken bones, sprains, injury and sickness as a result of unexpected events

We cover these:

Diagnostics

X-rays, MRIs, CT scans, blood tests, urinalysis, ultrasounds...

Procedures

Outpatient, hospitalisation, specialty, surgery...

Medication

Injections, tablets, drops...

Cover for Vet Fees

£1,000 - £5,000

(Per condition each year. Unlimited number of conditions.)

Including up to
£2m for legal claims involving your pet (dogs only)
£1000 if your pet passes away
£1000 if your pet is lost or stolen
£200 for advertising and reward
Optional Covers
£500 for Take-Home Medication, Complementary and Behavioural treatment
£1000 for Dental claims due to illness and not just accidents
£1000 for vet emergencies in EU or holiday cancellation due to your pet
£1000 for pet walking or sitting when you are in hospital
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What Our Customers Say

Holly

Whistle & Wag member

"Very impressed with my experience of claiming on my insurance with Whistle and Wag! It was easy to start the claims process, submitting a form online as opposed to a phone call and they took it from there, contacting my vets and processing my claim effortlessly. Would definitely use again and recommend!"

Danielle

Whistle & Wag member

"…clear website, good customer service (super quick responses via email) and policy looks great, especially the travel additions."

Melissa

Whistle & Wag member

"They offered great cover as a multi pet insurer at a brilliant affordable price with everything I was looking for. Very easy to understand and set up. Fab company and glad to join them. Would definitely recommend them to anyone."

Frequently asked questions

We only offer the most comprehensive type of policies typically referred to as 'Reinstatement' or 'Lifetime' policies. If your pet develops a long-term illness like diabetes, you can claim year after year for his treatment, provided you accept renewal terms and renew your policy annually without a break in cover.

Yes, we will offer cover for pre-existing conditions as long as the condition, any related condition, or bilateral condition does not show any signs or symptoms in any form in the last 24 months before the policy start date or within the waiting period. We can start covering some conditions again if they haven't needed – or been recommended to have – treatment from you or the vet in the last 24 months. If a vet says a condition does need treatment during this time, and you delay getting it, we won't cover that condition. We do not cover any pre-existing chronic conditions; for example, diabetes, arthritis and epilepsy.

  • Any accident, illness or condition which has happened or has signs or symptoms in the last 24 months before taking the policy out.
  • Unless your pet was insured by another insurer up to the start date of your policy, any claims for illness displaying signs or symptoms within 14 days or any accident or injury occurring within 5 days of the start date. Any cost exceeding the associated annual benefit limit.
  • Any out-of-hours costs unless waiting until normal surgery hours would either endanger your pet's life or make the condition life endangering. We will not cover any out-of-hours costs if you delay taking your pet to the vet during normal surgery hours as a result of your personal circumstances.
  • Cosmetic, elective, routine or preventative treatments, examinations, vaccinations, spaying, castration, breeding and other claims as a result of any of these procedures.
  • Any costs relating to pregnancy or giving birth.
  • Cost of any food or supplements.
  • Cost of any take-home medication, complementary treatments and corrective behavioural treatments unless this optional coverage is added.
  • Dental or gum treatment not caused by accident but by illness unless the optional coverage is added.
  • Any costs relating to root canal treatments.
  • Any public liability claim if the claimant is you, a person who lives with you, is a member of your family, is employed by you or given permission to handle your dog.
  • Any claim resulting from your pet passing on any disease, infection or virus to another animal or human including, but not limited to, Zoonotic Diseases.

For more information please refer to our Policy Wording and IPID.

Boosters are optional covers which you can select at an additional premium to enhance your cover.

Health Booster: Take-Home Medication Cover (pills and other medications to be administered outside the vet clinic), Complementary Treatment Cover and Corrective Behavioural Cover.

Dental Booster: Dental Cover related to illness.

Emergency Booster: Dog Walking Cover and Emergency Kennel/Cattery Cover.

Travel Booster: Holiday Cover and Holiday Cancellation Cover.

For more information please refer to our Policy Wording and IPID.

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