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Direct Line Reviews

Offer a selection of benefits including 12 months for the price of 9, plus discounts on medication, pet food and toys.

8.1 /10
Based on 7876 reviews
#7 of 16 time limited pet insurers
  • Sentiment Score: 7.0/10
  • 7876 reviews found on websites such as TrustPilot
  • Direct line Pet Advance and Select Premier Pet Insurance policies have been awarded a 5 Star Defaqto rating
  • Buy online and get 12 months for the price of nine
  • 24/7 advice from a UK qualified vet via PawSquad, their video call and text chat consultancy service
  • Discounted medication so your claim limit can go further
  • Discounted pet food, toys and general health products
  • Prescription fees covered up to £15
  • Claim online for a quick and easy process

Price Band

£ £ £ £ £

Good for

  • Rated 5 stars by Defaqto
  • Discounted medication
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84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
Filter by:
  • All (5),
  • Claims (2),
  • Service (1),
  • Sales (1),
  • Renewal (1)
Alan Buchanan
Cover Purchased
i Reviewed without invitation
Reviewed the Claims experience on 11 Sep 2023

Any Excuse To Turn Down Claim

Loyal customer for years, thought I had great Pet Insurance policy until I made a claim, turned down for ear infection claim as my dog had an ear infection 4 years ago and Direct Line say its a recur…
  • Recieved a response within 3-4 days after their claim was submitted
  • Claim wasn't successful
  • Was neither happy or unhappy with their experience when they spoke to someone
Corinna Jennings
Cover Purchased
i Reviewed without invitation
Reviewed the Renewals experience on 11 Sep 2021

Brilliant Service As Always

Always a pleasure to speak to direct line. Helpful, friendly & efficient. Have been a customer for nearly 10 years & will continue using them.
  • Renew premium increased by less than 5% compared to the previous year
  • Does feel that Direct Line still offers value for money
  • Was neither happy or unhappy with their experience when they spoke to someone
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Quotes our team received



Buster, a four-year-old Labrador Retriever

Dog Quote

Per Month

Maximum Vet Fees

Per Condition


Dog | Cat


Tinks, a three-year-old Bengal

Cat Quote

Per Month

Maximum Vet Fees

Per Condition


Dog | Cat

Compare Direct Line pet insurance policies

Direct Line offers two different pet insurance policies, Essential Cover and Advanced Cover. You can see the details of each policy type in the table below: 
  Essential Cover (from £6.50 per month) Advanced cover (from £10.50 per month)
Vet fees per condition Up to £4,000 Up to £8,000
Time limit per condition 12 months from the first date of treatment No time limits
Cover for accidents, injuries and disease Included Included
Complementary treatments Included Included
Dental disease Not included Up to £1,000
Euthanasia Not included Up to £100
24/7 free online vet access with PawSquad Included Included
Overseas travel cover Optional Optional 
Direct Line pet insurance customers can also benefit from the 5 in 1 care package. This includes: 
  • Advertising and reward - If your pet is stolen or goes missing, Direct Line will cover up to £1,000 towards the cost for local advertising. They'll also cover up to £500 for a reward if your pet is found. 
  • Death from accidental injury or illness - you can claim back up to £1,500 of the cost price for your pet if they die from accidental injury. Direct Line will also do the same if they die from an illness, but only if they're under 11 years old. 
  • Boarding fees - if you're hospitalised for more than four days in a row, you can claim up to £1,000 for your pet to be placed in a licensed kennel, cattery or to be looked after by a professional pet-minder. 
  • Holiday cancellation cover - if your holiday has to be cancelled or cut short because your pet needs life-saving treatment or goes missing, either while you're on holiday or seven days before you leave, Direct Line will cover expenses up to £5,000.
  • Loss of pet from theft or straying - if your pet is lost or stolen and isn't found within 45 days, you can claim back up to £1,500 of what you paid for your pet.

Making a claim

You can quickly and easily make a Direct Line insurance claim online. Alternatively, you can download a claims form from their website, fill it in and email or post it back to them. You will get an email to confirm that Direct Line has received your claims form. They will then contact your vet who will provide them with any information they require relating to your claim. This will take 10 days or less. Once they have all of the information they need, they'll review your claim and let you know whether it has been successful or not within five working days. 

Contact Direct Line

If you want to speak to Direct Line about your policy, making a claim or an existing claim, you can call them on 0345 246 8496.

Frequently asked Questions

FAQ Icon

They offer two different cover options, Essential cover and Advanced cover.  Both of these policies offer a limit of vet fee’s, cover for accidents, injuries and disease, complementary treatments and 24/7 free online vet support with PawSquad.

There are a variety of options for you to choose from.  They range from overseas travel cover, third party liability for dogs and a care package that will cover advertising and rewards fees for a lost pet amongst other benefits.

Yes, they offer 12.5% off your cover if you have more than one pet to insure on the same policy.

Direct Line has partnered with Pet Drugs Online so you can get more out of your policy including discounted medication so your claim limit can stretch further. 

Direct Line does not provide cover for conditions, illnesses or injuries diagnosed before the policy start date or during the 14 day wait period. Any condition, illness or injury diagnosed after that period of time will be covered by the policy.

Time Limited Pet Insurance Guides

Check out our insurance guides for more information