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Existing customers 0333 777 3642

SunLife Pet Insurance

If you're an existing customer call us on 0333 777 3642

Pet insurance, black dog.

Frequently asked questions

Why do I need pet insurance?

Pet insurance helps protect you from unexpected vet bills. It will usually pay for things like consultations, treatments, complementary therapies and even some treatment foods. Paying for pet insurance could mean you're protected from many of these expenses while your pet gets the treatment it needs. Dog owners should also think about the legal costs or damages they may be liable to pay if their dog causes injury or an accident. This could run to thousands of pounds.

What type of pets do you cover?

Most breeds of cat or dog can be insured once they are eight weeks old (as long as the dog is not listed under the Dangerous Dogs Act).

What isn't covered?

Pets with aggressive tendencies

Pets used for racing, coursing, commercial security and commercial breeding

Dogs currently listed under the Dangerous Dogs Act

  • American Pitbull Terrier
  • Dogo Argentino
  • Fila Braziliero
  • Japanese Tosa
  • Pit Bull
  • Pit Bull Terrier
  • Wolf or wolf hybrid
  • A dog crossed with these breeds
  • Any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991, Dangerous Dogs (amendment) Act 1997, or any subsequent amendments – or a dog crossed with any of these.

Please call 0800 014 7221 (Monday to Friday 8am to 8pm, Saturday 9am to 5pm) for help.

Do you insure older pets?

We provide cover for most cats and dogs providing they are over eight weeks old with no upper age limit. variable excesses may apply.

How is my premium calculated?

A range of factors could affect your premium and cover. These include (but aren’t limited to)

  • The age of your pet. Older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system
  • Your pet's breed. Pedigrees can be more likely to need treatment
  • Where you live. Vet prices may vary across the country
How can I pay for my policy?

You can pay in a number of ways – whatever suits you best. You can either pay in one go, or you can pay by Direct Debit each month (at no extra charge).

Is my pet covered for pre-existing conditions?

No, we can’t cover a condition that already exists when you start the plan. A pre-existing condition is any symptom or condition that has occurred or existed in any form before the start date of the policy – or any symptom or condition that occurs during the first 14 days of your plan.

If my pet suffered from a condition that required long-term medication for more than 12 months, would I be able to continue the insurance with you?

The Silver package covers up to £3,500 for dogs and £2,500 for cats – helping pay for all illnesses and accidental injuries over the lifetime of your pet. If this limit is reached during the policy year, no further claims will be paid that year. If you renew your policy and continue to pay your premiums and the insurer invites renewal, that illness or injury will be covered again the following year. There's no limit on how many times the illness or injury will be covered in this way. Gold cover offers higher pay-out amounts for all illnesses and accidental injuries, and is renewable on a yearly basis. Just like Silver cover, there's no limit on how many times the illness or injury will be covered. The Bronze package covers illness for a period of 12 months. After 12 months that illness will not be covered again.

What is Accident Only cover?

All normal charges for your pet’s treatment for an injury (carried out by a vet while you plan is running) will be paid. Cover is provided up to the policy limit and with a 12-month time limit, subject to your premiums being up to date.

What is Bronze cover?

The Bronze package covers your pet for 12 months. If your pet becomes ill, they'll be covered to the vet's fee limit, for each condition and with a 12 month time limit subject, if your premiums are up to date. If your pet still needs treatment for the same condition after the 12 months have passed, they will not be covered. Cover begins from the first clinical signs of illness.

What is lifetime cover?

The Silver and Gold packages offer lifetime cover. If your pet becomes ill they will be covered up to the policy limit and reinstated on an annual basis. If your policy is renewed and your premiums are up to date, there’s no limit on how long you can claim for each illness or injury.

Is there anything you don't cover?

SunLife Pet Insurance tries to cover as many conditions for cats and dogs as possible. Here are some of the events that are not included (you can look at the policy wording for full details and for other exclusions that may apply)

  • The costs of treating an illness or injury that first shows clinical signs or occurs within the first 14 days of cover
  • Routine examinations, vaccinations and preventative treatments
  • Any medical condition that your pet had before cover was started (pre-existing conditions)
  • Dental treatment except as a result of an accident
How do I make a claim?

Call 0333 777 3642 (Monday-Friday 8am to 6pm and Saturday 9am to 2pm) and a personalised claim form will be sent to you with your details already completed. The vet can also be paid direct if they have the capability set up. If the vet you use isn’t able to offer this facility (or you have already made payment to the vet) you'll be sent a cheque.

You’ll need the following information when you call

  • Policy number
  • Pet's name
  • Nature of claim

Please keep all receipts and invoices you want to claim for, and send them to us with your completed claim form and any other documents that support your claim. You can find full details on how to make a claim in the policy wording.

Will you reimburse me if I pay the vet, or can you pay the vet directly?

Claim payments can be sent directly to your vet, as long as they’re happy with this. You can state who should receive the claim payment on the claim form. If you would like your vet to be paid directly, you should pay the excess to the practice first.

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). 

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan, Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals is not authorised or regulated for this activity by either the Financial Conduct Authority or the Prudential Regulation Authority. Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.