Cover for the lifetime of your pet, with a choice of cover limits between £4,000 to
£12,000.
(see our F&Qs for full details)
Allowing you to cover up to five pets on one policy and giving you up to a 15% discount for any additional pets covered.
We only work with experienced pet professionals, who will treat your pets like family.
Big enough to cope and small enough to care about your pets as much as you do.
Service you can rely on when your pet needs it most.
Take complete control of your policy via your customer portals, where you can make changes to your policy, view your documents and even help to manage your claims.
| Product Cover | Essentials | Premium | Complete |
|---|---|---|---|
| Veterinary Fees | £ 4,000 | £ 8,000 | £ 12,000 |
| Include Dental treatment | £ 2,000 | £ 2,000 | £ 2,000 |
| Included Complementary Treatment | £ 500 | £ 1,000 | £ 1,500 |
| Prescription diet food | £ 500 | £ 500 | £ 500 |
| Behaviourist | £ 500 | £ 1,000 | £ 1,000 |
| Third Party Liability | £ 1,000,000 | £ 1,000,000 | £ 2,000,000 |
| Boarding Fees | £ 500 | £ 1,000 | £ 1,000 |
| Advertising & Reward | £ 500 | £ 1,000 | £ 1,000 |
| Theft & Straying | £ 1,000 | £ 1,500 | £ 2,000 |
| Death from illness or accident | £ 1,000 | £ 1,500 | £ 2,000 |
| Holiday cancellation | £ 1,000 | £ 1,000 | £ 2,000 |
| Quarantine cost | £ 1,000 | £ 1,000 | £ 1,000 |
| Loss of pet travel documentation | £ 250 | £ 250 | £ 250 |
| Farewell cover | £ 200 | £ 500 | £ 500 |
| Accidental damage to third party property | £ 500 | £ 1,000 | £ 2,000 |
All policy limits are subject to full terms and conditions outlined in your policy documentation
Benefit from complementary online support from Joii Pet Care and get advice that:
Using the careline before you go to the vet, can potentially save you time and
the cost of an unnecessary trip.
To know more, Click here.
It can be worthwhile asking several vets for an upfront quote. Veterinary charges can differ from vet to vet so it is worth shopping around.
It can be cheaper to purchase from an authorised prescription medication site. Simply obtain a prescription from your vet and always make sure you use a reputable UK online pharmacy site.
Regular exercise and a balanced diet is one of the best ways to keep your pet’s health care costs down in the long term. Don’t forget to ensure your pet also receives regular routine health checks.
Switch Pet Insurance offers Lifetime cover for your pets. Lifetime pet insurance
is designed to help cover the cost of veterinary treatment for accidents and
illnesses your pet develops during its life, provided the
policy remains active is renewed each year without a break in cover up to the
stated policy limit each year you hold cover with us. Please refer to your
policy wording for more detailed information on what is covered.
If your policy is renewed, your chosen coverage limit resets and any
ongoing condition remains covered.
With a Lifetime policy:
You can claim for covered ongoing conditions year after year, up to the annual veterinary fee limit. This is different to other types of policies where cover for a condition may only be provided for the duration of your existing policy or up to a maximum cover limit per condition, which can leave you covering your complete vet bills over time. With Lifetime the annual veterinary fee limit resets each policy year when the policy is renewed, giving you continued cover for long-term conditions (subject to renewal and the terms of your policy). This diagram outlines how the different types of cover would work if your pet required £2,000 of treatment a year for one condition:
|
Cover Type |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
|
Time Limited (12 months) |
✅ |
❌ |
❌ |
❌ |
❌ |
|
Maximum Benefit (£5000) |
✅ |
✅ |
|
❌ |
❌ |
|
Lifetime Cover |
✅ |
✅ |
✅ |
✅ |
✅ |
No – future periods of cover are not guaranteed. Lifetime cover is offered on an annual basis and is subject to renewal. We may choose not to offer renewal, for example but not exclusively in the event of non-payment, changes in risk, or changes in our underwriting criteria. The coverage offered at renewal is also not guaranteed and may change – we will however notify you of any significant changes in your cover each renewal.
No – the premium is not fixed and may increase each year, even if you haven’t made a claim. Factors that can influence your premium at renewal include:
No. Any condition, illness, injury, or clinical sign that occurred or showed symptoms before your policy start date is not covered.
Yes. There is a:
As well as you paying the compulsory excess on your policy, an additional
co-payment is an amount you will pay towards the cost of a claim.
Please note that any policy with a pet aged 8+ years will have a minimum
20% applied.
Covered services include:
Yes, up to the limit stated in your policy schedule. Cover applies only if caused by a medical condition and if treatment is carried out by a recognised behaviourist.
Yes, travel to agreed countries (EU members and UK Common Travel Area) is included for up to 60 days per year. Please note that Third Party Liability cover for dogs only applies in the UK.
Yes, you may insure up to 5 pets on your policy and each additional pet insured will receive a 15% discount.
Yes, you can amend your level of cover at renewal, but you can only lower the level of cover that you have and then will not be able to increase it again.
Yes, you can use Joii services, please login into your account via your customer portal.
You can either pay for your policy annually upfront or monthly via Direct Debit. Please also note that we make no charge for you choosing to pay for your policy monthly.
If we are able to offer you a renewal, we will send you a renewal invitation around 25 days before your policy renewal date so that you can make an informed decision about your policy and contact us should you not wish to renew. Unless you chose not to and you pay for your policy buy instalments your policy should automatically renew. If you paid in full for your policy, you would need to contact us to renew your policy and maintain cover. Details about how to do so will be included in your renewal invitation.
You can submit a claim via the link in your customer portal.
We are paid a percentage of our customer’s premium, which enables us to maintain our services to you.
Spaying and neutering are considered routine procedures and are excluded from cover.
Yes, we will not cover the following dogs or any pet that is crossbred or mixed with any of these excluded breeds:
Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Boar Hound, Brazilian Mastiff, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Chinese Shar Pei, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Dogue Brasileros, Dogue de Bordeaux, East Siberian Laika, Fila Brasileiro, Grand Bleu de Gascoigne, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Mexican Hairless (any variant) Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Racing Greyhound, Sarloos Wolfhound, Segugios Italiano, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid, Wolfdog and Working Sheepdog.
We will also not cover any dog that must be registered under the Dangerous Dogs Act 1991, the Dangerous Dogs Act (Northern Ireland) 1991 and the Dangerous Dogs (Amendment) Act 1997 or any further amendments to these Acts, and/ or any pet breed/species which is excluded by us and is listed below (including breeds which are known or classed as the names listed).
Yes, insure more than 1 pet and will receive up to a 15% discount for all additional pets insured, subject to our minimum premiums.
You can change your marketing preferences within your customer portal .
If your pet requires a referral to a specialist vet or treatment needs to be provided by a different vet for specific condition, you can submit a claim for each treating vet as part of a continuation claim.
You can get a quote online in just a few minutes. Click Here
Please login to your customer portal and make these changes.
It depends on the complexity of the claim being made. All claims are dealt with as quickly, efficiently and accurately as possible.
The most efficient way to submit your claim is online (insert web link). Please ensure you have the following documentation and information to hand:
If your pet has ongoing treatment for an illness or injury, this may occur over a period of time. Each time any further treatment or medication is provided, you have the ability to submit a secondary claim for that condition – also known as ‘continuation of treatment’ or a ‘continuation claim’. This means that subsequent claims following a first claim can be linked and assessed using the correct policy cover, limits and excesses applicable.
Pre-existing conditions are conditions or illnesses that your pet showed signs of, have been clinically diagnosed with or investigated before the start of your policy.
Your documents will be emailed to you when you take your policy or make a change to your policy, but they can also be accessed at any time via your customer portal.
Yes, you can cancel your policy at any time:
Please note that individual policy limits exist and cover for the Lifetime of your pet is subject to continuation of cover.
Individual policy limits exist and cover for the Lifetime of your pet is subject to continuation of cover
