“Why Choose Corinium Pet Insurance”

Corinium Pet Insurance

Choosing pet insurance shouldn't feel complicated. At Corinium Pet Insurance, we treat your pets with the same care and attention we'd want for our own. Here's what sets us apart:

  • UK based administration and claims service
  • Rated 'Excellent' on Trustpilot
  • 90% of claims settled within 5 days
  • 24/7/365 veterinary triage via the Corinium Pet Helpline, provided by The Vet Connection
  • National Insurance Awards 2026 - Pet Insurance Award finalist
Corinium Pets
Corinium Pets

Levels of Cover

We offer four levels of lifetime (reinstatement) pet insurance. Each level includes the same core benefits - you simply choose the annual vet fee limit that suits your pet and your budget.

  • Level 1 - Lifetime
    £1,500 Vet Fees

    • £1,500 cover for accidents and illnesses
    • Lifetime reinstatement
    • Up to £1,000 complementary therapy
    • £125 vet fee excess
    • £1,000,000 third party liability (dogs only)
    • Free 24/7 vet helpline (phone, webchat, video)
    • Emergency boarding - up to £200
    • Lost or stolen pet cover - up to £300
    • Advertising and reward - up to £200
    • Overseas travel
    • Quarantine Costs - up to £200
    • Pet travel document loss - up to £200
  • Level 2 - Lifetime
    £3,500 Vet Fees

    • £3,500 cover for accidents and illnesses
    • Lifetime reinstatement
    • Up to £1,000 complementary therapy
    • £125 vet fee excess
    • £1,000,000 third party liability (dogs only)
    • Free 24/7 vet helpline (phone, webchat, video)
    • Emergency boarding - up to £200
    • Lost or stolen pet cover - up to £300
    • Advertising and reward - up to £200
    • Overseas travel
    • Quarantine Costs - up to £200
    • Pet travel document loss - up to £200
  • Level 3 - Lifetime
    £5,000 Vet Fees

    • £5,000 cover for accidents and illnesses
    • Lifetime reinstatement
    • Up to £1,000 complementary therapy
    • £125 vet fee excess
    • £1,000,000 third party liability (dogs only)
    • Free 24/7 vet helpline (phone, webchat, video)
    • Emergency boarding - up to £200
    • Lost or stolen pet cover - up to £300
    • Advertising and reward - up to £200
    • Overseas travel
    • Quarantine Costs - up to £200
    • Pet travel document loss - up to £200
  • Level 4 - Lifetime
    £7,500 Vet Fees

    • £7,500 cover for accidents and illnesses
    • Lifetime reinstatement
    • Up to £1,000 complementary therapy
    • £125 vet fee excess
    • £1,000,000 third party liability (dogs only)
    • Free 24/7 vet helpline (phone, webchat, video)
    • Emergency boarding - up to £200
    • Lost or stolen pet cover - up to £300
    • Advertising and reward - up to £200
    • Overseas travel
    • Quarantine Costs - up to £200
    • Pet travel document loss - up to £200

Important Information

Important Policy Information

  • Policy Excess:

    There is a policy excess of £125 applicable to each new condition your pet suffers with. This is the amount you must contribute towards the claim.

    For third party liability (available for dogs only) the excess amount you must contribute is £250.

  • Co-Payment:

    A Co-Payment is the amount you are required to pay towards the costs of the veterinary fees for every claim you make, in addition to the policy excess.

    The Co-Payment and excess amounts are shown in your policy wording and on your certificate of insurance that we issued to you.

    The applicable co-payment amounts are based on your pets age:


    • 0 Years up to 6 Years: 15% will be deducted from the claims settlement after the excess
    • 7 Years +: 20% will be deducted from the claims settlement after the excess
    • 10 Years +: 30% will be deducted from the claims settlement after the excess

    Examples of how a claim would be calculated with a Co-Payment and an Excess are shown below:


    • Valid claim arises for Veterinary Fees: £500.00
      Excess amount: £125.00
      Amount payable less Excess: £375.00
      15% Co-Payment: £56.25
      Claim total settlement: £318.75
    • Valid claim arises for Veterinary Fees: £500.00
      Excess amount: £125.00
      Amount payable less Excess: £375.00
      20% Co-Payment: £75.00
      Claim total settlement: £300.00
    • Valid claim arises for Veterinary Fees: £500.00
      Excess amount: £125.00
      Amount payable less Excess: £375.00
      30% Co-Payment: £112.50
      Claim total settlement: £262.50
  • Premiums:

    It is important to bring to your attention that the premium you pay may increase at each renewal. This increase could be significant if a claim is made.

    Other factors that may increase or decrease your premium include:


    • Age related illness risk
    • Claims history
    • Veterinary cost inflation
    • Advancements in veterinary care
    • Tax changes
    • General inflation
    • Changes you or we make to the policy

    This is an annually renewable policy. The insurer is not obliged to offer renewal.

Policy Wordings

Please download the latest Policy wordings for our Pet Insurance:

How to Make a Claim

Making a claim is simple:


In the event you need to make a claim:

  • The first step is to obtain a claim form.
  • Both you and your Veterinary Practice or Specialist will need to complete a section.
  • We will need to see your Pet's full clinical history and Invoices for the treatment. This is normally supplied by your Veterinary Practice or Specialist.
  • You can find our online claim form for Accident and Sickness claims by clicking on the 'Make A Claim' box found at the top of this page.
  • You can also request a claim form from us directly by calling 01285 626032 or emailing admin@coriniuminsuranceservices.co.uk
  • For more information, click on the 'Make A Claim' link at the top of the page.

Frequently Asked Questions

  • What is pet insurance?

    Pet insurance helps cover the cost of veterinary treatment if your dog or cat becomes ill or has an accident.

  • When does my policy start?

    Cover begins on the date shown on your Certificate of Insurance.

  • What cover levels are available?

    Lifetime (reinstatement) cover at £1,500, £3,500, £5,000, or £7,500.

  • What does the policy cover?


    • Accidents
    • Illnesses
    • Complementary treatments

    Restrictions and exclusions apply.

  • How do I make a claim?

    Follow the steps in the "How to Make a Claim" section above.

  • Which dogs are not insured?

    Certain breeds and crossbreeds are excluded, including those listed under the Dangerous Dogs Act. (A full list is available in the Policy Wording.)

  • Are pre existing conditions covered?

    You can take out a policy, but pre existing conditions are excluded.

  • Are there age limits?

    Pets must be 8 weeks to 8 years old at the policy start date.

  • What is third party liability?

    Cover for injury or damage caused by your pet if you are legally liable.

  • How are premiums calculated?

    Factors include breed, size, age, location and the likelihood of future claims.

  • Will premiums change?

    Yes. Premiums typically increase as pets age or after claims. Other factors such as tax changes and veterinary cost inflation may also affect your renewal price.

  • Are there exclusions?

    All exclusions are listed in the Policy Wording. Please read this carefully.

Accessibility Support

We're committed to providing excellent customer service that meets the diverse needs of all our customers. If you need additional support or have specific accessibility requirements, please contact us:


24/7 Corinium Pet Helpline - included with every policy

Every policy includes access to the Corinium Pet Helpline, provided by The Vet Connection.


This service offers:


  • 24/7/365 phone support (0333 332 0530)
  • Live webchat via the Corinium website
  • Video consultations when needed

All calls are handled by RCVS registered veterinary nurses with an average of over 10 years' experience. They can help you:


  • Understand symptoms
  • Decide whether a vet visit is necessary
  • Manage emergencies when your usual vet is closed
  • Prevent common illnesses and keep your pet healthy

This service does not replace your own vet.

Reviews

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    5 Stars

    Martin, GB

    "They paid exactly what they said they would. And very quickly. Thank You"                                                

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    5 Stars

    Elaine, GB

    "Wonderful company to deal with, always friendly and efficient on the phone and pay out for claims really quickly."

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    5 Stars

    Sheila, GB

    "Excellent Service. We found staff on the telephone very helpful and knowledgeable. Most importantly our claim was dealt with and settled within a week."

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    5 Stars

    LEH, GB

    "I haven't had to do hardly anything. Everything has been done between the vets and insurer."

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    Stars

    Mark, GB

    "My insurance claim for my dog was handled quickly and I was kept up to date with it's progress."

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    Stars

    Steph, GB

    "Claim was hassle free. Just filled in the claim form and the rest was done for me. Very pleased with the service provided."

  • Corinium Pets
  • Corinium Pets
  • Corinium Pets