Our website uses cookies to give you the best possible online experience. If you continue to use our website we will assume you are happy for your web browser to receive our cookies. See our cookie policy page for more information on cookies and how to manage them.

Dog Insurance from E&L

Online Discount

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 FAQ's 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

Cover Level

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 £1.5m £1.25m £1.75m £1.5m £2m £1.75m
Vet's Fees £4,000
£1,000 limit per condition
£1,000 limit per condition
£5,000 £4,500 £6,000 £5,500
Death of Pet £750 £500 £1,000 £750 £1,500 £1,250
Boarding Kennel/Cattery Fees £750 £500 £1,000 £750 £1,500 £1,250
Holiday Cancellation £1,000 £750 £1,500 £1,250 £2,500 £2,000
Advertising and Reward £600 £450 £800 £650 £1,000 £750
Loss by Theft or Straying £750 £500 £1,000 £750 £1,500 £1,250
Accidental Damage £500 £250 £750 £500 £1,000 £750
Burglar Reward £500 £250 £750 £500 £1,000 £750
Transport Costs £150 £100 £200 £150 £250 £200
Personal Accident £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:

  1. The policyholder is a UK resident aged over 18 years
  2. The Dog must be aged between 5 weeks and 8 years of age
  3. E&L must be advised of any pre-existing medical conditions
  4. 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

To view the above PDFs Adobe Reader must be installed.

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.

Dog Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I able to arrange cover if I choose not to have my dog vaccinated?
  • Yes although unvaccinated dogs are not covered for: Distemper, Hepatitis, Leptospirosis and Parvovirus. In addition any treatment required for an illness that may have been prevented with a routine vaccination will be excluded (unless the vaccine failed).

  • Back to top
  • Am I able to claim for any dental treatment for my dog within this policy?
  • If the treatment was relating to a condition and not routine, for cosmetic reasons or any tooth/gum related disease it would be covered by the policy.

  • Back to top
  • Are there any dogs you won't cover?
  • Yes. Please see our list of excluded breeds.

  • Back to top
  • Can I insure a crossbreed?
  • Yes. Simply select "crossbreed" when going through the quote process.

  • Back to top
  • My dog is currently insured with you but is close to turning 8 years old. What happens to my cover?
  • Your dog can be insured with E&L no matter how old they are, we will simply transfer you onto a senior dog policy.

  • Back to top
  • Why do I need third party liability cover for my dog?
  • The world is becoming an even more litigious and claims for compensation are commonplace. Third party liability cover gives you peace of mind should your dog cause damage to someone else's property or to them.

  • Back to top
  • Will my dog insurance help if my dog is lost?
  • Yes. As part of your policy we offer cover for advertising and reward to help you cover the cost of getting your dog back. In addition, we offer each policyholder the opportunity of membership of the National Pet Register, a 24 hour service available to help reunite missing pets with their owners.

  • Back to top