In this independent review, we take a look at Direct Line's pet insurance policies including the key features, the policies on offer and how much it costs. We also look at alternative providers, Petgevity* and Petplan to see how Direct Line pet insurance compares. We recommend that you read the review in full but you can skip to sections of the article with the following links:
- What is Direct Line pet insurance?
- Direct Line pet insurance key features
- What does Direct Line pet insurance cover?
- Direct Line pet insurance policy exclusions
- Direct Line pet insurance policy types
- How much does Direct Line pet insurance cost?
- Direct Line pet insurance policy excess
- How to make a claim with Direct Line pet insurance?
- Direct Line pet insurance customer reviews
- Alternatives to Direct Line pet insurance
- Direct Line pet insurance pros and cons
- Summary
What is Direct Line pet insurance?
Direct Line launched in 1985 with just car insurance. Since then it has increased its offering of insurance to include pet, home and breakdown insurance. Direct Line's pet insurance policy is underwritten by U K Insurance Limited.
Direct Line pet insurance key features
- Choice between time-limited and a maximum benefit policy
- Cover for dental treatment due to an accident
- Free 24/7 online vet video calls with PawSquad
- Online claims process
- Discounts on prescriptions, food, medication and more with Pet Drugs Online
- 12.5% multi-pet discount
- The option to customise your pet insurance policy with additional extras
- Able to pay your vet directly
- 25% introductory online discount
- Upper age limit of 11 years old for new policies
What does Direct Line pet insurance cover?
Direct Line offers two types of pet insurance policy, time-limited and maximum benefit. Whilst it does not offer the most comprehensive level of pet insurance cover, which is lifetime pet insurance, Direct Line's pet insurance policies have a generous vet fee cover limit and offer more protection than accident-only pet insurance which is the most basic level of cover. For more information on the different types of pet insurance read our article - 'What are the different types of pet insurance?'
Below is a summary of the pet insurance policies available with Direct Line:
- Essential Cover - Direct Line’s time-limited policy, this policy covers you for up to £4,000 for each condition. With this policy each condition is covered for up to 12 months after the date of the first treatment or up to the £4,000 vet fee limit, whichever comes first, after this, the condition will no longer be covered. For more information on time-limited pet insurance and how it works, read our article 'Time-limited pet insurance explained'.
- Advanced Cover - This is Direct Line’s most comprehensive pet insurance policy and is maximum benefit insurance, it covers your pet for up to £8,000 per condition. There is no time limit on this policy and therefore each condition is covered until the cost limit of £8,000 is reached. For more information on maximum benefit pet insurance and how it works, read our article 'Maximum benefit pet insurance explained'.
Direct Line pet insurance policy exclusions
In this section of the review, we highlight some of the key exclusions within a Direct Line pet insurance policy. For full terms and conditions, you will need to check the individual policy documents.
Direct Line excludes cover for the following :
- Routine care and treatment such as vaccinations and worming
- Spaying or neutering your pet
- Pre-existing conditions unless "fully declared and accepted as covered in writing"
- The policy excess (this is payable once per condition)
- For any illness that occurred within 14 days prior to the policy start date
- Any claim if you have failed to pay your insurance premium
- If illness or injury was sustained outside of the UK (unless you have overseas travel cover included in your premium)
- Any claim related to any behavioural traits or problems
- Pets that are used for breeding, commercial, guard, racing, work or gun dogs unless previously agreed with the insurer directly
- Complications that arise during pregnancy or birth
- If you have not made a claim for treatment within 12 months of the first treatment occurring
- The first £250 for any public liability claim where property was damaged
Direct Line pet insurance policy types
In the below comparison table we compare the key features between the two pet insurance policies that Direct Line offers.
Direct Line pet insurance policies
| Essential Cover |
Advanced Cover
|
|
| Policy type | Time-limited | Maximum benefit |
| Vet fee cover amount | £4,000 | £8,000 |
| Excess | £80/£160 cats £95/£190 dogs |
£80/£160 cats £95/£190 dogs |
| Time limit |
12 months from initial treatment
|
None |
|
Dental accident cover
|
Yes | Yes |
|
Tooth & gum disease
|
No | £1,000 (included in overall vet fee limit) |
| Euthanasia | No | £100 (included in overall vet fee limit) |
|
Complementary treatment (e.g physiotherapy)
|
Yes | Yes |
| 24/7 Online vet | Yes | Yes |
| Third-party liability (dogs only) | Optional extra | Optional extra |
| Overseas travel cover | Optional extra | Optional extra |
| 5 in 1 care package | Optional extra | Optional extra |
Direct Line pet insurance add-ons
Direct Line Pet insurance has additional policy extras that can be added to enhance your policy. We explain in more detail below:
Third-Party Liability (dogs only)
You can add third-party liability cover to any dog pet insurance policy with Direct Line. Adding third-party liability cover to your pet insurance will insure you for up to £2.5million should your pet be involved in an accident that causes damage to property or injury to a person.
It is worth noting that if you have liability cover with another insurance policy, such as your home insurance, Direct Line will only offer cover if the other policy cover amount has been used. Additionally, there is a £250 excess amount payable should you need to make a claim for property damage.
Overseas travel cover
Overseas travel cover will insure your pet if you are taking them with you abroad, as long as you meet all of the requirements within the UK Government’s Pet Travel Scheme. With overseas cover you are covered for three overseas journeys in a year as long as each one is no longer than 30 days.
If you add overseas cover to your policy it will also include:
- Up to £1,500 towards the cost of quarantine
- Cover up to £250 for the loss of your pet’s passport
- Repeat treatment for tapeworm
- Up to £300 for emergency expenses abroad
5 in 1 care package
Direct Line’s 5 in 1 care package includes the following additional extras:
- Cover up to £5,000 if you need to cancel or cut your holiday short due to your pet requiring emergency treatment or going missing, whilst you are away or 7 days prior to your departure
- Cover for the cost of your pet up to £1,500 should your pet go missing or get stolen and is not found within 45 days
- Up to £1,000 towards the cost of advertising which includes up to £500 for a reward should your pet get stolen or go missing
- Up to £1,000 towards boarding fees should you have an unexpected stay in hospital for up to 4 consecutive days
- Up to £1,500 towards the cost of your pet should they die due to illness or injury. (Direct Line will only pay out for pets under the age of 11 if they die from an illness)
How much does Direct Line pet insurance cost?
Below we have compared the cost of Direct Line’s Essential and Advanced pet insurance policies. The quotes are based on a 1-year-old moggy and a 1-year-old medium mixed breed dog with no underlying health conditions. The quotes are based on a location in the South East and include the lower excess amount. How much you pay for your pet insurance policy can vary depending on a number of factors including the breed of pet you insure and where you live. For more information on what affects the cost of pet insurance read our article '7 factors that affect the cost of pet insurance'.
Direct Line pet insurance policy quotes
| Essential cover |
Advanced cover
|
|
| Policy type | Time-limited | Maximum benefit |
| Policy Excess | £80 cats £95 dogs |
£80 cats £95 dogs |
| 1 year old cat (monthly cost) | £11.00 | £22.18 |
| 1 year old dog (monthly cost) | £14.98 | £30.19 |
(Quotes correct as of 19/03/26 and include 25% introductory discount)
Direct Line pet insurance policy excess
The minimum pet insurance policy excess is £80 for cats and £95 for dogs. If you wish to reduce your monthly pet insurance premium you can do so by choosing a higher policy excess of £160 for cats and £190 for dogs. The policy excess is payable each time you claim for a new condition.
How to make a claim with Direct Line pet insurance
Direct Line has an online claims portal which makes it easy to make a claim should you need to. Alternatively you can call them on 0345 246 8496.
When making a pet insurance claim you will need your policy number, the name and contact details of your veterinary practice and a description of the incident/problem. Once you have submitted your claim, Direct Line will contact your vet for further information. Direct Line are happy to pay your vet directly if your vet is happy for them to do this. In this case you would need to pay the excess to the veterinary practice first.
Direct Line pet insurance customer reviews
Direct Line has a Trustpilot rating of 4.2 out of 5.0 stars from over 29,500 reviews and is rated "great", however as Direct Line offers more than one type of insurance policy not all of the reviews are for pet insurance.
Those that have reviewed the pet insurance policies state that there is a great level of cover, helpful customer service and an easy and simple claims process. Some rated the provider as bad and complained of high renewal costs and some problems with claims being paid out.
Alternatives to Direct Line pet insurance
If you aren't certain that Direct Line is right for you, you might want to consider alternatives like Petgevity* and Petplan. One of the easiest ways to save time and money on your pet insurance is to look on a comparison website such as MoneySuperMarket*. Comparison sites let you compare several providers simultaneously to ensure you're getting the best insurance policy for your pet. One thing to consider before using a comparison site, however, is that they are not always whole of market so you may be missing out on a better deal with another provider. In addition, some pet insurance providers such as Petplan do not feature on any comparison sites so you would need to get a quote directly via the websites. Our article, 'Best pet insurance in the UK' compares some of the best pet insurance providers.
Petgevity
Petgevity* is an insurance provider that specialises in lifetime insurance and only offers annual limit lifetime insurance with vet fee cover from £3,000 up to £20,000 per year. Petgevity do not have an upper age limit for taking out new policies and also offer insurance to pets with pre-existing conditions (subject to approval). It also has a choice of excess options and optional co-payments so you can tailor these to suit your needs/budget. Like Direct Line, Petgevity offers a multi-pet discount. More information can be found in our independent Petgevity pet insurance review
Petplan
Petplan offer two types of pet insurance, lifetime insurance (annual limit) and time-limited. There is no upper age limit for taking out the time-limited policy but there is on the lifetime insurance. Petplan impose a compulsory 20% co-payment when your pet turns 10 years old (7 years for certain dog breeds) on the lifetime insurance and 8 years old (5 years old for some dog breeds) on the time-limited insurance. Petplan like Petgevity and Direct Line offer a multi-discount and like Direct Line, there is an introductory discount when first taking out your policy. Find out more in our Petplan insurance review.
Direct Line vs Petgevity vs Petplan
| Direct Line | Petgevity* | Petplan | |
| Policies offered | Time-limited, maximum benefit | Lifetime (annual limit) | Lifetime (annual limit), time-limited |
| Option to pay no excess | No | Yes | No |
| Covers pre-existing conditions | No | Yes | No |
| Upper age limit when taking out a new policy | Yes | No | Yes for lifetime policies |
| Offers vet video calls | Yes | Yes | Yes |
| Compulsory co-payment | No | No | 20% - age it is imposed depends on type of pet and policy type |
| Offers multi-pet discount | Yes | Yes | Yes |
|
Trustpilot score
|
4.2/5 | 4.4/5 | 4.5/5 |
|
More information
|
Petgevity pet insurance review | Petplan pet insurance review |
Direct Line pet insurance pros and cons
Direct Line pet insurance pros
- Good level of cover for your pet with option to add additional extras to customise your policy
- Multi-pet discount
- No compulsory co-payment as your pet ages
Direct Line pet insurance cons
- Some additional extras are included as basics with other pet insurance providers
- No lifetime cover option
- Will not insure pets aged 11 and over - some pet breeds may not get insurance from aged 6 and above (new customers only, existing customers will continue to receive cover as long as they renew)
Summary
Direct Line offers a good level of cover for your pet and the ability to add on additional extras to your policy is an attractive feature as it can allow you to tailor your policy to suit your needs. It also means you do not have to pay for any cover that you do not require which in turn may reduce your monthly premium. Their 25% online introductory discount is very attractive but it is worth bearing in mind that your premium will significantly increase upon renewal.
It is slightly disappointing that Direct Line does not currently offer a lifetime pet insurance policy as this is the most comprehensive level of cover for your pet, however, its maximum benefit policy offering up to £8,000 of cover per condition, is a great alternative. Direct Line is also happy to deal with your vet directly which can save a lot of hassle with payments when it comes to making a claim.
The access to a free 24/7 online vet as well as discounts with the licensed online pet store, Pet Drugs Online, are great additions to the policy which could see you saving money in the long term.
As with all pet insurance policies it is advisable to shop around to ensure you are getting the best cover for your pet and it is imperative you read the small print to fully understand what is covered in your policy. Our article, 'Best pet insurance in the UK in 2026' compares some of the best pet insurance providers in the UK.
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