Your pet. Protected. Year after year, whatever happens.
Vet bills can run into thousands — unexpectedly, and at the worst possible moment. Corinium Pet Insurance gives your dog or cat lifetime reinstatement cover, with your annual vet fees limit topping back up every renewal, plus a 24/7 helpline and web chat staffed by RCVS-registered veterinary nurses while you are a policyholder.
Vet bills don’t wait.
Neither should your cover.
A single illness or injury can mean multiple vet visits, specialist referrals, diagnostics and ongoing medication. Without insurance, those costs fall entirely on you — often all at once.
"With lifetime reinstatement, your annual limit resets each renewal — so ongoing conditions don’t eat into next year’s cover."
Choose from four levels of cover, from £1,500 to £7,500 per year. Your full limit is reinstated at every renewal if you choose to carry on cover — giving your pet genuine lifetime protection, not just a one-off pot.
Amounts are illustrative examples only. Your individual experience may be different.
Four levels of lifetime protection.
All four levels include the same comprehensive benefits — the only difference is your annual vet fees limit. Every policy resets at renewal, giving your pet genuine lifetime cover.
Important policy information
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.
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.
The applicable co-payment is based on your pet’s age:
Examples of how a claim would be calculated (scroll the table sideways on a small screen):
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
Pet helpline.
24/7, for any question.
Every policyholder gets access to the Pet Helpline — provided by The Vet Connection, a round-the-clock service staffed by RCVS-registered veterinary nurses and vets. Whether it’s what to feed your new puppy, finding an out-of-hours vet at midnight, or emergency care guidance, expert help is always a call or click away.
"Unlimited consultations via phone, web chat or video — from feeding advice to emergency guidance, at no extra cost."
Three steps to protect your pet.
Choose your cover level
Pick from £1,500 to £7,500 of annual lifetime reinstatement cover for your dog or cat. Your Certificate of Insurance confirms the level you’ve chosen.
Your policy starts immediately
Cover begins from your policy start date, and the 24/7 Pet Helpline is available from day one. Note that for new policies, illnesses arising in the first 14 days and accidents in the first 5 days are not covered.
Claim if you need to
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 your pet’s full clinical history and invoices for the treatment, normally supplied by your practice. You can also request a claim form by calling 01285 626032 or emailing admin@coriniuminsuranceservices.co.uk.
Make a ClaimIs Corinium Pet Insurance right for you and your pet?
- ✓A cat or dog aged 8 weeks to 8 years at policy start
- ✓Microchipped and registered at a UK veterinary practice on or before the policy start date
- ✓Permanently resident in the United Kingdom with you
- ✓Kept as a private domestic pet only — not for commercial purposes, breeding, guarding, track racing, coursing or shooting
- ✓A dog that is not a prohibited or excluded breed
- ✓A dog with no police complaint against it and no vicious or aggressive tendencies
- ✕Suffering from a pre-existing condition known at the policy start date
- ✕Under 8 weeks old or over 8 years old at policy start
- ✕Not microchipped, or not registered at a UK vet
- ✕Used for breeding, guarding, racing, coursing or shooting
- ✕A breed or type required to be registered under the Dangerous Dogs Act 1991, the Dangerous Dogs (Amendment) Act 1997, the Dangerous Dogs Order (Northern Ireland) 1991 or any later updates — including any dog crossed with such a breed, or any breed listed in the policy
- ✕Permanently resident outside the United Kingdom
Everything you need to know.
What does "lifetime reinstatement" actually mean?
Each policy is a 12-month annual contract. At renewal your vet fees limit is fully reinstated, so if your pet is treated for a condition this policy year, next year’s full limit is available again. This is what distinguishes it from a single pot policy that depletes and never refills. Renewal cannot be guaranteed in all circumstances and terms may change on review.
Does this policy cover dental treatment?
We won’t pay for any costs relating to dental or gum treatment unless as a direct result of an accident and providing your pet had a dental examination by a vet within 12 months prior to the accident.
Are pre-existing conditions covered?
No. Conditions your pet suffered from, showed symptoms of, or received treatment or advice for before the policy start date are excluded from cover, regardless of where on your pet’s body the symptoms appear.
Is there a waiting period before I can claim?
Yes, for new policies. Illnesses arising within the first 14 days of your policy start date are not covered, and accidents occurring within the first 5 days are also excluded. These waiting periods do not apply to renewed policies.
Is complementary treatment covered?
Yes. Complementary treatment such as acupuncture or hydrotherapy is covered up to £1,000 per period of insurance for treating an illness or injury. This forms part of your overall vet fees limit — it is not in addition to it.
Can I take my pet abroad?
Yes — cover extends to countries included in the Pet Travel Scheme (PETS) for temporary journeys of up to 30 days per trip and up to 60 cumulative days per policy year, provided you follow all PETS rules and government regulations. Third party liability does not apply outside the UK, and all overseas claims form part of your annual limit.
Do I need to keep my dog on a lead?
Yes, on designated roads as required under the Road Traffic Act 1988. The policy also requires you to take reasonable steps to prevent your pet escaping onto roads, and to ensure any collar, lead or harness is in good condition and fits correctly. Failure to comply may affect any claim you make.
How do I make a claim?
Submit your claim online, call 01285 626032 or email admin@coriniuminsuranceservices.co.uk. Your vet must complete part of the claim form and provide your pet’s full clinical history with an itemised invoice. Claims must be submitted within 90 days of the last treatment date. The claims handler is available Monday to Friday, 9am to 5pm.
Who underwrites this insurance?
This pet insurance is underwritten by Burns and Wilcox Global Solutions Limited, for and on behalf of SCOR UK Company Ltd, authorised and regulated by the Financial Conduct Authority (FRN 309345).
Does this policy pay towards putting a pet to sleep?
Unfortunately we don’t cover any costs associated with having your pet put to sleep including veterinary consultations, prescribed medications specifically needed to carry out the procedure, post mortem, cremation costs or a death benefit.
Can I cancel my policy?
You have the right to cancel within 14 days of your policy start date for a full refund of premium, provided no claim has been made or is intended. After this period you may cancel at any time and receive a refund for the remaining period, unless a claim has been made. If your pet passes away during the policy year and you paid annually, we may refund the remaining period subject to no claims having been made.
How are premiums calculated, and will they change?
Factors include breed, size, age, location and the likelihood of future claims, along with additional rating factors. Premiums typically increase as pets age or after claims, and tax changes or veterinary cost inflation may also affect your renewal price.
Accessibility support
We are 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, contact us by email at admin@coriniuminsuranceservices.co.uk, by phone on 01285 626032 (basic rate number), or by post at Corinium Insurance Services, Trent House, Love Lane, Cirencester, GL7 1XD.
Already insured with us?
Everything existing policyholders need in one place — claims, round-the-clock veterinary advice, your policy documents and how to reach the team.
Make a claim
Start your claim online. Both you and your veterinary practice complete a section, and we need your pet’s full clinical history plus itemised invoices. Claims must be submitted within 90 days of the last treatment date.
Make a Claim24/7 Pet Helpline
Speak to an RCVS-registered veterinary nurse any time, day or night — included free with your policy. Call 0333 332 0530 or start a web chat.
Live Chat →Renewals and changes
To update your details, your pet’s details or discuss your cover level or renewal, contact the team Monday to Friday, 9am to 5pm on 01285 626032 or email admin@coriniuminsuranceservices.co.uk
Contact usNeed support with accessibility, or a document in another format? Email admin@coriniuminsuranceservices.co.uk or call 01285 626032 (basic rate number).