What Makes K9 Cover Special
When you visit K9 Cover, it becomes clear that this isn’t a typical pet insurance provider. Their founding mission is to make dog insurance accessible even for pets with pre-existing medical conditions, a niche that many insurers avoid or reject. By offering online medical screening, they assess individual dogs based on their health history, which means many chronic or ongoing conditions can be covered — instead of being automatically excluded.
Another distinguishing feature of K9 Cover is how flexible their cover is. Pet owners can choose a vet fee limit up to £8,000 per year, and there’s the option to select a higher policy excess in return for a reduced premium. This means that customers can tailor their insurance to their dog’s specific needs and their own budget. Their policy wording outlines clear terms for public liability, accidental death, complementary treatments, and even European travel, adding to the breadth of protection.
What You Can Find on Their Website
On the K9 Cover site, you’ll find a clear, user-friendly structure that helps you get a quote, manage your policy, or investigate coverage options:
- Get a Quote — Users can quickly input their postcode and other basic information to receive a tailored quote.
- Cover Levels — There’s detailed information on different policy levels, such as “Silver” and “Gold,” with varying benefits like vet fees, treatment cover, and public liability.
- Pre-Existing Conditions — They explain how they assess and cover existing medical conditions, offering transparency in eligibility and possible limitations.
- Claims Process — The site outlines how to make a claim, what to expect, and how excess and co-payments work based on your dog’s age.
- Customer Support — There is a dedicated section for customer service, with contact options, FAQs, and policy documentation so dog owners can make informed decisions.
- Policy Documents — The policy wording and product information documents are openly accessible, allowing users to read the details before committing.
How K9 Cover Differs from Other Pet Insurance Brands
Unlike many pet insurers that deny cover for pets with pre-existing medical issues, K9 Cover embraces them. Their business model revolves around inclusion rather than exclusion, which is especially meaningful for owners of older dogs or dogs with chronic conditions.
Their combination of high vet-fee limits (up to £8,000/year) and adjustable excess gives clients more control over how much they pay versus how much coverage they get — something typically only available in premium plans from other insurers.
They also are underwritten by a reputable insurer (ETU Forsikring A/S), and their policy structure is clearly laid out, which gives transparency and peace of mind. The fact that they’re regulated by the UK Financial Conduct Authority adds another layer of credibility.
Customer Experience & Reputation
Feedback on K9 Cover is mixed. On Trustpilot, they have an average rating of 2.8/5, with several customers citing poor service, especially during the claims process. Some reviewers note difficulty in reaching the claims team or receiving timely updates, which is a common pain point in pet insurance overall.
At the same time, some pet owners appreciate that K9 Cover was willing to insure their dog despite existing health issues — something many other insurers refused to do. The pre-existing condition assessment is often cited as a major reason they chose this provider.
Why Someone Might Choose K9 Cover
If you have a dog with pre-existing or chronic health conditions, K9 Cover could be one of the few viable options, allowing you to get meaningful cover rather than being turned away.
Pet owners who want tailored financial risk — choosing a higher excess for lower premiums, for instance — will also find their flexible policy structure valuable.
Additionally, owners looking for transparent policy documentation and clear outlines of coverage may appreciate how accessible K9 Cover is in explaining their terms and benefits.
Conclusion
K9 Cover fills a meaningful gap in the pet insurance market by offering policies that cover pre-existing conditions — an area many competitors avoid. With strong policy limits, flexible excess options, and a user-focused website, they are a compelling choice for pet owners whose dogs may not qualify for standard insurance. While there are some customer service concerns, their mission of inclusion and transparency makes them stand out in the UK pet insurance space.
