Claims costs for pet insurance have risen in recent years due to advancements in medicine, the complexity of cases and the increased number of treatments available to pets.
Making a claim? Send us a messageWhilst our Lifetime Care Club is NOT a pet insurance policy, it can help reduce the costs of preventative healthcare. Find out more here.
There are different levels of cover, and we would advise researching thoroughly as to what you think would be best suited to you and your pet both now and in the future. It is important you fully understand the scope of your chosen cover.

Pet Proactive offer our clients simple, fair pet insurance for dogs and cats. They only work with independent veterinary practices and will confirm, upfront, any policy exclusions due to pre-existing conditions. Pet Proactive charges no fees beyond your policy premium & annual excess.
Pet Proactive’s premiums reflect our competitive pricing, and your premiums won’t increase just because you’ve made a claim. You can claim via our team, and payment is made directly to HNVG.
Pet Proactive offer 3 simple products, £4000 – £12,000 cover, no charges beyond your policy premium, and your £100 single annual excess.
🐾Complete medical & dental* cover for unexpected illness & injury.
🐾Our vets have the freedom to make the right treatment decisions for your pet, including referrals to any specialist.
🐾We directly process your claims, so you don’t need to worry about paying the balance to us if you’re insured with Pet Proactive.
🐾Lifetime cover is offered to pets joining under the age of 6.
🐾Pet Proactive confirm, upfront, any policy exclusions due to pre-existing conditions.
🐾Premiums are reasonably priced, and Pet Proactive will never increase your premium just because you’ve made a claim.
🐾Unlike most policies where you may need to pay an excess per condition, with Pet Proactive, you are only asked to pay one excess of £100 a year, irrespective of how many conditions you are claiming for (up to your annual claim limit).
🐾Emergency treatment through another vet practice is included if you are away from home.
*as long as your pet does not already have pre-existing dental problems
To find out more or to get instant prices, please visit the Pet Proactive website.
Pet ProactiveDo you like the look of Pet Proactive’s products but are already with another insurance provider? Pet Proactive’s free switch check helps you decide whether to switch and if you can save money – even if your pet has been poorly. Their condition, if they have been clear for 24 months, may be covered. Follow the link to get instant prices with Pet Proactive’s FREE Switch Check.