Direct Insurance Line Pet
Direct Line Pet Insurance


Direct Insurance Line pet plans/ Direct Line pet insurance offers 2 plans that have per condition coverage. They are low priced, but also offer less coverage. You can customize the plan you get to exclude things that you don’t need. If you want something for 1 or 2 major incidents in a pets life, then this might be what you’re looking for.

Keep reading below to find out more information and to see if Direct Insurance Line Pet has the Insurance plan for you.

They do have some dental coverage which many plans do not have.

There are many discounts that are added consecutively under the Direct Insurance Line Pet Plans.

When researching Direct line pet insurance, I found their website to be hard to follow and they have a lot of ‘fine print’ that you need to be aware of. This page will explain as many of these that I could find so that you can know what you’re covered for.




When getting insurance with Direct line, your pet must be healthy when it starts the plan.

You must call Direct Line Pet Insurance before going to the vet, if not possible, you must contact Direct Insurance Line Pet right after going to vet, otherwise your claim may not be covered.

Direct Line Pet Insurance may need a vets opinion to find out what is wrong with the vet before they will pay.

For traveling coverage with them, if you travel to a second address in Europe, be careful with this company as you can only go for three 30 day periods, however if multiple periods are at the same address it may be considered an extended trip and not covered because you are staying at the same address every time you go.




Direct line Pet Insurance ’s website is very slow. I found it complicated and the plans are not shown side by side, so it is difficult to completely understand all of their plans.


Direct line Pet Insurance offers 2 plans that are low priced however they have many restrictions. Keep reading below to find out more or check out other UK pet insurance companies.

Please, Leave a review! We’d love to hear what you think of the Pet Insurance you use.

On this page most of your questions about Direct Line Pet Insurance should be answered below in the Question section or on the comprehensive tables.

Snapshot Information Chart of Direct Line Insurance Pet Plans

PlanAccidents and IllnessesDeductible/ Excess (per condition)Max age limit to sign onLifetime coverPrice per month
Essential£4000/ condition/year£80 or £160 for dogs, £70 or 140 for cats11 years (6 years for certain breeds)noDog: £7.71- 16.89 Cat: £5.62
Advanced£6000/ condition/ lifetime£80 or £160 for dogs, £70 or 140 for cats11 years (6 years for certain breeds)Upto condition maximumDog: £11.68- 30.38 Cat: £8.69


In my quote I have included the optional benefits listed as ‘(optional)’ below in the next table. It would be cheaper if you decide not to get the optional items.

Detailed coverage Chart of Direct Line Insurance Pet Plans

EssentialAdvanced
Vet fees Accident and Illness£4000/ condition/year£6000/ condition/ lifetime
Routine Care--
Hereditary ConditionsyesYes
Hip dysplasiayesyes
   
Death or Loss (replacement cost of pet)£1500 (Optional)£1500 (Optional)
Cremation--
EuthanasiaOnly for humane reasonsOnly for humane reasons
   
Boarding (if owner hospitalized)£1000 (optional)£1000 (optional)
Holiday (trip cancellation)£5000 (optional)£5000 (optional)
Cover AbroadYes (optional) see belowYes (optional) see below
Quarantine costs£1500 (optional)Yes (optional)
   
Behavioural problems--
Prescription meds--
Dental (not teeth cleaning)Not routine, some coveredNot routine, some covered
Alternative treatment--
Breeding, Fertility, Pregnancy--
Medical devices (ex. Wheelchair for dog)Possibly (see below)Possibly (see below)
Lost/Stolen pet adds£1000 for advertising, £200 for reward (optional)£1000 for advertising, £200 for reward (optional)
Third party liability (dogs only)£2million£2million
Accidental Damage (tenant coverage)--
Grooming and Bathing--
Pet food, Nutritional supplements, vitamins, natural remedies--

Vet fees- Illness or Accidents are covered.
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. None of this is covered.
Hereditary conditions- are covered.
Hip Dysplasia- is covered under Direct Insurance Line Pet Plans.
Death or Loss- Will cover replacement price of pet if dies from accident or is lost due to straying or theft. This is covered if you choose this option.
Euthanasia and Cremation Cremation is not covered, Euthanasia is only covered for humane reasons.
Boarding- If you go to hospital for more than 4 days. This is covered only if you choose this option.
Holiday- holiday cancellation if pet dies or gets sick or injured. Trip cancellation due to loss, injury or illness only.
Cover abroad- Direct line has their own travel scheme. You must not make more than 3 trips of 30 days in 12 month period . If you go to the same address then they may consider that it’s extended the time because all the travel is done at the same address.Also, covered if you choose this option, is: quarantine costs (up to £1500), loss of pet's passport (up to £250), repeat tick and worming treatment, and emergency expenses abroad (up to £300).
Quarantine Costs- are covered if you choose this option.
Behavioral problems- are not covered by Direct Line Insurance Pet Plans.
Prescription Meds- are not covered.
Dental- Not routine dental, but they will cover accidental external damage, diseases from tooth or gum problems, remove first teeth if pet is over 6 months as long as it was insured before 16 weeks.
Alternative treatment- ( acupuncture, massage…) is not covered by Direct Line Insurance Pet Plans.
Breeding, Fertility, Pregnancyare not covered.
Medical devices- these may be covered, it depends on what they are needed for (depends on the reason for the need)
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) is covered if you choose this option.
Third party liability(dogs only) upto 2 million in liability. However, you are not covered for liability for travel in Canada or USA.
Accidental Damage is not covered.
Grooming and Bathing is not covered by Direct Line Insurance Pet Plans.
Pet food, Nutritional supplements, vitamins, natural remedies is not covered.






Insurance Help-lines coverage chart for Direct Line Insurance Pet Plans
. 0870 600 0633.

EssentialAdvanced
Bereavement counselingIncludedIncluded
Vet finderIncludedIncluded
Pet legalIncludedIncluded
Pet minder--

Bereavement counseling-help you deal with death/illness of pet- 0870 600 0633
Vet Finder- help you find local vet if away- 0870 600 0633
Pet legal- Legal advice- 0870 600 0633
Pet minder-help you find a local pet sitter is not covered.
Claim line- 0845 246 8496






Some Common Questions:



Are Hereditary or Congenital disorders covered (as long as not pre-existing)?
Yes these are covered under Direct Insurance Line Pet plans.



Lifetime insurer (will Direct Line Pet Insurance cover on going conditions throughout pets life) ?
NO: Essential plan- will pay for a condition only for a year.Yes for advanced plan upto the condition maximum.



Discounts with Direct Line Pet Insurance?
15% for multiple pets (more than 1)
Online discount.
First 12 months you can get for the price of 9 months for first time purchases.

Each discount is added consecutively with Direct Insurance Line Pet plans.



Any vet or specific vets only? After hours vets or in home vets?
You can go to your regular vet, however if, they say to go to a certain vet, you must go to the vet they say.
House calls or out-of hours calls are not covered unless it is absolutely necessary.



Can the vet be paid directly?
Yes, they will sort everything out with your vet and you won’t have to pay anything.



If not, How quickly are claims processed?
Direct Line Pet Insurance deals directly with the vet only.



Does Direct Line Pet Insurance you cover examination fee (if it relates to the injury or illness) ?
This is not covered by Direct Insurance Line Pet plans.



All breeds?
Not all breeds are covered by Direct Insurance Line Pet plans.



Dangerous Dog Act?
Dogs under this act are not covered by Direct Insurance Line Pet plans.



Do I stop getting coverage as my dog ages?
No age limit. You pet will be covered through out it’s life till the condition maximum by Direct Insurance Line Pet plans.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
The price will increase each year by an amount that was not disclosed by Direct Line Pet Insurance plans.



Does Direct Line Pet Insurance put the monthly price up every year? By how much?
Yes, the price goes up every year. It does tend to increase at renewal time. Not a set increase, depends on a whole bunch of things.

Do they serve all of the UK? Is the monthly amount more depending on where I live?
Yes, all of the UK is covered by Direct Insurance Line Pet plans.The monthly amount is not affected by where you live.



Waiting period?
14 days for illness before you will get coverage for illness.



Do rates increase with more claims/penalized for filing more claims?
No, you are not penalized for filing more claims under Direct Insurance Line Pet plans.



Maximum lifetime claim amount?
Yes, there is a maximum lifetime claim amount which is per condition under the Direct Insurance Line Pet plans.



What is the co-pay?
There is no co-payment with Direct line pet insurance.



Extras included?
None to note.

Money back guarantee?
Within the first 14 days you can change your mind as long as you haven’t made any claims.






What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old. Pets under 12 weeks for overseas travel.
• Pre-existing conditions.
• No coverage working animals. Injuries that result from: commercial, guard, breeding, security, working or racing.
• Treatment not recommended by a vet.
• If there is a vaccine for the illness, the illness wont be covered.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
o click here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.





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