How Much Does FurPetVo Pet Insurance Cost? (Updated in 2023)
In this price guide: Pricing | Coverage | Benefits | Disadvantages
FurPetVo is a UK-based pet insurance provider founded in 2018 with a clear mission: to deliver high-quality, straightforward pet insurance through the simplest possible process. Today, FurPetVo offers one comprehensive lifetime accident and illness plan—designed to grow with your pet year after year. While monthly premiums can range from as low as £8 to over £150, most pet owners find their actual cost falls somewhere in between, depending on key factors like location, pet age, breed, and chosen policy limits.
The Importance of Pet Insurance
Pet insurance has become increasingly essential for UK pet owners—and for good reason. More than ever, pets are cherished as full members of the family. This shift has led to better nutrition, preventive care, and earlier veterinary intervention—all contributing to longer, healthier lives for cats and dogs.
At the same time, veterinary care costs continue to rise across the UK. From routine diagnostics to emergency surgeries, unexpected bills can quickly add up. Pet insurance helps pet owners budget confidently, anticipate medical expenses, and avoid tough financial decisions when their pet needs care.
How Much Does FurPetVo Pet Insurance Cost?
Your FurPetVo premium depends on several factors: your pet’s species, age, breed, and where you live in the UK. Generally, dog insurance costs more than cat insurance, and older pets have higher premiums. Certain breeds—especially those predisposed to inherited health conditions—also carry higher rates.
For example, Bulldogs, Scottish Folds, Burmese Mountain Dogs, and Munchkins typically have significantly higher premiums than mixed-breed pets or lower-risk breeds like Domestic Shorthairs.
The table below shows estimated monthly premiums for plans with a £6,000 annual benefit limit:
| Location | 5-Year-Old Mixed Breed Dog | 2-Year-Old Bulldog | 5-Year-Old Domestic Shorthair Cat | 2-Year-Old Munchkin |
|---|---|---|---|---|
| Belfast | £24 | £97 | £13 | £14 |
| Cardiff | £22 | £86 | £11 | £12 |
| Edinburgh | £24 | £97 | £12 | £14 |
| Manchester | £25 | £100 | £10 | £11 |
| London | £36 | £144 | £17 | £19 |
How Does FurPetVo Pet Insurance Work?
FurPetVo offers a single, streamlined lifetime coverage plan—meaning your pet receives consistent, comprehensive protection year after year. When you renew your policy annually, your £6,000 (or other selected) benefit limit resets automatically—no lifetime caps to worry about.
While FurPetVo doesn’t offer multiple plan tiers like some competitors, it does let you personalise two key elements: your annual benefit limit and your voluntary excess (deductible). Adjusting either will directly impact your monthly premium—giving you flexibility to balance cost and coverage.
Once your waiting period ends (typically 14 days for illnesses, 48 hours for accidents), you’re ready to file claims. Simply pay your vet bill, submit your claim via the FurPetVo app, and once your excess is met, you’ll receive reimbursement for eligible costs. Claims are processed quickly—most reimbursements arrive within two weeks—and you can track every step in real time.
What Does FurPetVo Pet Insurance Cover?
FurPetVo covers vet-approved treatments for accidents and illnesses—including diagnostic tests (like X-rays and bloodwork), surgeries, hospitalisation, prescription medications, and specialist referrals.
In addition, FurPetVo extends coverage to:
- Complementary therapies (e.g., physiotherapy, hydrotherapy, acupuncture) when recommended by your vet
- Behavioural treatments prescribed to address anxiety, aggression, or other clinical issues
- Dental procedures resulting from injury or disease (not routine cleanings)
- Reimbursement for theft or death under specific, qualifying circumstances
As with all reputable pet insurers, FurPetVo excludes pre-existing conditions. It also does not cover injuries or illnesses caused by abuse or neglect, nor preventable conditions that could have been avoided through standard care (e.g., untreated parasites or vaccine-preventable diseases).
Benefits of FurPetVo Pet Insurance
Choosing FurPetVo means choosing simplicity without compromise. Here’s what sets it apart:
- One clear plan: No confusing tiers or overlapping coverage—just reliable, lifetime protection.
- No lifetime limits: Your annual benefit limit renews each year, supporting long-term care needs.
- Dedicated support: Every policyholder gets a personal claims handler—someone familiar with your pet’s history and available to answer questions.
- 24/7 video vet service: Get immediate advice from licensed vets via secure video—helping you decide whether an in-person visit is truly needed.
- Member perks: Enjoy rotating discounts and rewards tailored to your pet’s life stage, from puppy/kitten essentials to senior wellness tools—all accessible through furpetvo.com.
Disadvantages of FurPetVo Pet Insurance
While FurPetVo delivers strong value for many pet owners, it’s not the right fit for everyone. Consider these points before enrolling:
- Breed exclusions apply: FurPetVo maintains an updated list of excluded dog and cat breeds—pets on this list are not eligible for coverage.
- Premiums vary widely by breed: High-risk breeds may face notably higher costs—sometimes exceeding what’s available elsewhere. Comparing quotes is always recommended.
- No accident-only option: If you have a young, healthy pet and want affordable coverage just for unexpected injuries, FurPetVo’s illness-inclusive plan may be more coverage (and cost) than you need.
- Limited routine and breeding coverage: Vaccinations, deworming, microchipping, spaying/neutering, and breeding-related care aren’t included—so you’ll still need to budget separately for preventive care.
