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Premier Insurance

Pet Insurance

On this page:

Cover highlights

Update your policy

Make a claim

Get a quote

Your four-legged family members deserve excellent cover too

You can’t put a price on love, however we’ll pay up to £8,000 a year towards vet fees to help get your pet on the road to recovery. There are no restrictions on the number of claims you can make in a year and we pay the money directly to the surgery so you can focus on your pet’s wellbeing.

Premier Pet Insurance is underwritten by U K Insurance Limited.

Cover highlights

Cover highlights

Cover highlights OpenClose

Multiple cover, one policy

You can cover your cats and dogs under one policy with one renewal date.

Illness or injury

Up to £8,000 per year towards veterinary fees to treat illness or injury to your pet. No restrictions on the number of claims you can make.

Illness or injury detail Close

Illness or injury detail

Vet fees cover for illness or injury includes:

Up to £1,000 for complimentary treatments

Up to £250 for behavioural disorders

Up to £250 for clinical diet

Up to £250 for transportation costs for referral to a vet

Up to £500 for dental treatment

We can also pay bills directly to the veterinarian, giving you peace of mind so you can concentrate on getting your pet well again.

Death from accident or illness

In the event your pet should die as a result of an accident or illness, we will pay the purchase price up to £1,500.

See full Premier Pet Insurance policy document (331KB, PDF)

Travel cover

Cover for you and your pet while on holiday if overseas travel is included on your schedule.

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Travel cover detail

Covers journeys to countries included in the Government’s Pet Travel Scheme.

In addition to extending cover for section shown on your schedule while on a journey, cover is provided for:

Quarantine costs – up to £2,000

Loss of your pet’s passport – up to £250

Repeat tick and worming treatment – reasonable fees

Emergency expenses abroad – up to £500 per journey

Boarding and kennel fees while on holiday

Up to £1,000 towards the cost that you have to pay to have your pet looked after should you or a family member who permanently lives with you needs to be hospitalised for more than 4 days consecutively.

Holiday cancellation

Up to £5,000 for expenses that you cannot get back from anywhere else if you have to cancel your holiday.

Lost or stolen pets

If your pet has been lost or stolen. You're covered for up to £1,500 of the purchase price if you pet is lost or stolen and has not been found after 45 days.

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Lost or stolen pets detail

Advertising and reward

You're also covered up to £1,500 towards local advertising costs if your pet is lost or stolen, and up to £500 for a reward.

Third party liability

Applicable to dogs only. Up to £2 million towards the costs if you become legally liable to pay compensation for accidental bodily injury or accidental damage caused to property.

Get in touch

Update or change your policy

Call the Premier Insurance team if you need to update or change your policy.

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Change or update your policy detail

To make changes to your policy, call:

Telephone: 0800 533 5265
Minicom: 0800 404 6160

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Make a Pet Insurance claim

With Premier Pet Insurance cover, you can call 24 hours a day, 7 days a week.

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Make a claim detail

A dedicated claims handler will deal with your case as quickly as possible, with minimal paperwork.

Once your pet is receiving the treatment they need, you can choose how you would like the claim settled.

For more information on how to make a claim, follow the procedures outlined under each section of cover. Please keep all receipts and invoices that you want to claim for.

Call the Premier Insurance claims team on:

Telephone: 0800 533 5265
Minicom: 0800 404 6160

Common questions about making a claim

An update on Coronavirus (COVID-19)

Our colleagues in contact centres are working incredibly hard in difficult circumstances. Please only call us if it’s absolutely essential, this will allow us to focus on those customers who need us most at this time.

Please only call if:

You have an urgent claim.
You’re worried about not being able to pay your instalments, as a result of the COVID-19 pandemic. Find out what to do next here.
Your policy is due to renew in the next week and you haven’t opted for auto-renewal. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

If you are concerned about the impact of the COVID-19 pandemic on your pet insurance, U K Insurance Limited (the underwriters of your policy) have a dedicated help and support hub.

We could help if you're struggling to make your insurance payments because of Coronavirus (COVID-19)

If you're finding it difficult to pay your monthly insurance payments as a result of Coronavirus, there are a few different ways we could help you. We can review your levels of cover, change your payment dates or organise a payment deferral.

Before requesting a payment deferral, please read the important information below to make sure you're fully aware of the impact on your insurance.

Payment Deferral

A payment deferral allows you to stop paying your insurance payments for an agreed period of time and if agreed, it won’t have any negative impact on your credit rating.
When your monthly payments start again after the deferral, the amount that has been "missed" will be spread over your remaining instalments.
We will not charge any additional interest to you so the total amount you pay will not increase as a result.
Payment deferrals should only be used when absolutely necessary, the remaining cost of your insurance policy will still be due, but will be paid for over a shorter period.

Agreed payment deferrals will not have a negative impact on your credit score, but if you fail to make the payments after the agreed deferral period it could negatively impact your credit score and could impact your ability to secure credit for a policy in the future (if applicable).

What should I do next?

If you're struggling financially then please call us and we’ll see what we can do to help. Please don’t cancel any payments or direct debits through your bank as this can affect your policy with us and may have a negative impact on your credit rating.

Royal Bank of Scotland Premier Pet Insurance Team

Telephone: 0345 246 2109
Minicom: 0800 404 6160

Royal Bank of Scotland Premier Insurance is underwritten by U K Insurance Limited.

Important information

Please take some time to read or download and save these documents. For full details of cover, any limitations and significant exclusions, please view the Premier Pet Insurance Policy document below.

'What you need to know' paper copy

Your ‘What You Need to Know’ is available in a paper format. Let us know if you’d like this posted to you.

I'm ready to get a quote

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How do you want to contact us?

Talk to us

You can reach the Premier Insurance team on:

Telephone: 0345 246 2109
Minicom: 0800 404 6160

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.