Co-op - Pet Insurance reviews

Co-op Insurance and Co-op Insurance Services belong to the Co-op Group, one of the world’s largest consumer co-operatives, owned by millions of its members. With clear financial and operational objectives, the group is a recognised leader for its social goals and community-led programmes. The Co-operative Insurance Company Limited was formed in 1876 to provide fire insurance. Since then, Co-op Insurance has grown to provide a range of insurance services.


Ranked #22 of 31 Pet Insurance providers based on 506 reviews

Review Score


Quotes our team received:

  • Dog £12.06 per month
  • Cat £7.31 per month

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Choose from two levels of pet insurance

Co-ops pet insurance options range from Classic to Select Plus and include generous cover and optional benefits for your pet. There is a useful guide to the types of benefits available below.

The claim limit for each insurance option is subject to excesses, which are the amounts you have to pay for each claim. The excess for veterinary fees currently stands at £85. It can cost £75 if you opt for a lower level of cover.

The policy documents have the full terms and conditions. For more information visit Co ops official website.

ClassicSelect Plus
Cover Type12 MonthsLifetime
Vet Fees£2,000£5,000
Complementary TreatmentX£750
Third Party Liability£1,000,000£1,000,000
Death From Illness or InjuryUp to £1,500Up to £1,500
Advertising & RewardUp to £1,000Up to £1,000
Theft or StrayingUp to £1,000Up to £1,000

Your benefits for pet insurance cover levels

Advertising or Reward
If your pet is lost or stolen, Co-op will pay for local advertising and offer a reward. Cover is limited up to £1,000 per policy year.

Death Due to Accident Or Illness

If your pet dies due to an accident or illness, Co-op will pay out the cost of your pet up to £1,500.

Boarding Kennel Fees
If you need to stay in the hospital for more than 4 consecutive days in hospital, Co-op will cover the costs of emergency boarding or daily minding fees up to £1,000 per year.

Liability Cover

If your is liable for damage to third party property or causes injury or death, Co-op will pay up to £1 million per incident for legal costs, expenses and liability for compensation payouts against your dog.

Holiday Cancellation

If your pet needs life saving surgery, which requires you to cancel your holiday, co-op will cover holiday cancellation up to £2,000

Healthcare Away From Home
Co-op covers pet travel within the European Union and territories that are included in the Pet Travel Scheme (PETS). This covers emergency vet fees to the policy limit in addition to quarantine expenses up to £1,500 and emergency repatriation up to £500 per year.

What animals can I insure with Co-op?

Co-op provides pet insurance for dogs and cats, from 8 weeks with no upper age limit.

What types of policy do Co-op offer?

Co Op Pet Insurance provides two levels of cover, Time Limited and Lifetime. Time Limited covers veterinary fees up to £2,000 for 12 months from the conditions first diagnosis. Lifetime covers veterinary fees up to £5,000 with no limit to how long you can claim for, providing there is no break in the cover.

Does Co-op cover pre-existing conditions?

Co-op 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.

How long does it take to assess a claim?

While Co-op does not provide a time limit with assessing claims, their UK based team aim to handle pet insurance claims quickly and fairly.

About Co-Op

The Co-Op provides a variety of insurance products, including:

  • Home
  • Motor
  • Pet
  • Business
  • Travel

About Co-op Pet Insurance

Co-op Insurance offers two pet insurance policies, Time Limited and Lifetime, covering vet fees from £2,000 to £5,000. Higher levels of cover also include up to £750 for complementary treatment and covers additional, ongoing, conditions, such as arthritis and eczema.

You can find out more about Co-op Pet Insurance policies here:

Co-op Contact Info

Pet Insurance from Co-op Insurance Services is provided, underwritten and administered by Allianz Insurance plc. Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Co-op Insurance Services is a trading name of Co-op Insurance Services Limited. Co-op Insurance Services Limited is not part of the Allianz (UK) Group.</span%

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