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Dog health insurance from E&L® provides you with peace of mind so that should anything unexpected happen such as an accident or illness your dog has essential vet's fees cover in place up to £6000.

Our dog insurance provides comprehensive cheap dog insurance with a range of competitively priced plans from as low as £9.20 per monthly policy.

We have three Dog Insurance Cover Options to choose from:

  • Silver dog insurance - vet's fees up to £4,000
  • Gold dog insurance - vet's fees up to £5,000
  • Diamond dog insurance - vet's fees up to £6,000

E&L® have been providers of dog health insurance for over 20 years. We offer a 45% discount for dog insurance policies purchased online and an additional 10% when insuring more than one pet. All in all we offer comprehensive cover and some of the cheapest dog insurance plans available.

As part of your policy you will also receive 12 month's free membership to The National Pet Register, our 24hr lost and found service in case your dog goes missing or is stolen.

E&L® also offer Senior dog insurance for dogs aged 8 years and over with no maximum age limit.

For more information on the cover and benefit options available please take a look at our policy information. Should you have any queries we may be able to answer them online through our dog insurance FAQs section. You might also want to take a look at our dog tips and advice section which contains lots of useful information on a wide range of pet-related topics including pet health, exercise and play, discipline and taking your pet abroad.

Dog insurance quotes and instant cover available online now for dogs aged up to 8 years.

Dog Policy Information

The following cover benefits are for dogs and cats aged under 8 years, for older pets please see our Senior Pet Insurance policy.

  Silver Gold Diamond
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Public Liability

Legal liability to a third party, the damages and costs arising from your ownership of the insured pet.

£1.5m £1.25m £1.75m £1.5m £2m £1.75m
Vet's Fees

Due to accident or illness including hospitalisation, physiotherapy, certain prescription diets, treatment and referral. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£1,000 limit per condition
£1,000 limit per condition
£5,000 £4,500 £6,000 £5,500
Death of Pet

Due to accident or illness. We can pay up to the price paid or market value whichever is less. No cover for disease or illness showing clinical signs within 14 days of policy inception.

£750 £500 £1,000 £750 £1,500 £1,250
Boarding Kennel/Cattery Fees

If you are in hospital for more than 3 days we can cover the cost of boarding.

£750 £500 £1,000 £750 £1,500 £1,250
Holiday Cancellation

Due to emergency surgery on your pet within 14 days of departure.

£1,000 £750 £1,500 £1,250 £2,500 £2,000
Advertising and Reward

If your pet goes missing, you may want to advertise and give a reward.

£600 £450 £800 £650 £1,000 £750
Loss by Theft or Straying

We pay you up to the price you paid or the market value, whichever is less.

£750 £500 £1,000 £750 £1,500 £1,250
Accidental Damage

Accidental damage to a third party's property.

£500 £250 £750 £500 £1,000 £750
Burglar Reward

If your dog catches an intruder in your home.

£500 £250 £750 £500 £1,000 £750
Transport Costs

If your vet refers you to another practice or veterinary school.

£150 £100 £200 £150 £250 £200
Personal Accident

If you have to take time off work after being bitten by your pet.

£150 £100 £200 £150 £250 £200

Area Classification

  • Area A: All counties other than those in Area B or Area C
  • Area B: Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey
  • Area C: London


The excess is the amount you pay towards a claim. It is from £65–£169 (dependent on the area of the country, breed of pet and the plan type you have chosen) except Public Liability claims where the excess is £260. Claims over £1,000 in value are subject to a double excess.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Dog Insurance:

  • 45% online discount
  • 10% multi pet discount

The total maximum discount per policy is 55%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Dog Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • The Dog must be aged between 5 weeks and 8 years of age
  • E&L must be advised of any pre-existing medical conditions
  • Breed must comply with our dangerous breed exclusions

Please see the Dog Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our dog insurance provides.

Dog Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our dog insurance terms and conditions.

Dog Insurance Policy Wording

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Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.