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A senior couple laughing with their pet dog at home


Saga Pet Insurance, designed exclusively for pet owners aged 50 and over

Pet Insurance from Saga

With our policies you won't need to worry about unexpected vet bills as we provide up to £5,000 each year, depending on the level of cover you choose.

Already a customer?

Log in or create a MySaga account to view your policy documents or renewal invite. Fast and easy, no need to call.

New to Saga?

Start your journey with us, get a quote or pick up where you left off. Online or over the phone, we look forward to welcoming you.

Why choose Saga Pet Insurance

Saga Pet Insurance offers a choice of cover levels to meet your needs. Whichever level of cover you choose, you and your pet will benefit from:

  • Cover for unexpected vet fees, up to £5,000 depending on the cover level*
  • Third party liability up to £2 million (for dogs only)
  • Holiday cancellation expenses if you have to cancel your holiday due to your pet becoming ill (claims cannot be made within the first 14 days of the policy)*
  • Advertising and reward costs if your pet becomes lost*
  • Travel costs if your pet is referred to a specialist*.

* Please note, claims cannot be made within the first 14 days of the policy. 

Optional overseas cover for your pet

We also offer an additional cover option, Pet Travel Extension, which provides cover when your pet is abroad. Including cover for vet fees (up to £3,000 under Saver and £5,000 for Essential and Super cover) and third party liability for dogs only.

UK-based and no automated telephone menus

We aim to provide a high level of customer service and, during opening hours, your call will always be answered by a person rather than a telephone menu system.

Policy features and benefits

The table below outlines the three cover levels available with Saga Pet Insurance. Our policies have been designed to offer you peace of mind and protection for your pet.

Costs Saver Essential Super
Vet fees*
Up to £2,000 per condition (maximum 12 months per condition)
Up to £1,000 per year
Up to £5,000 per year
Third party liability
Up to £2 million
Up to £2 million
Up to £2 million
Holiday cancellation*
Up to £500
Up to £1,500
Up to £2,000
Boarding kennel/cattery fees
Up to £400
Up to £750
Up to £2,000
Travel allowance
Up to £100
Up to £500
Up to £2,000
Advertising and reward costs (total)*
Up to £250
Up to £250
Up to £1,000
Reward costs included within this limit
Up to £50
Up to £100
Up to £200
Death due to illness or injury*
Up to £2,000
Loss by theft or straying*
Up to £2,000
Accidental damage your pet does to your property
Up to £1,000
Complementary medicine
Up to £1,000

*Please note, claims cannot be made within the first 14 days of the policy.


Who are Saga's Pet Insurance policies underwritten by?

Saga’s range of insurance products are designed specifically for our customers and is unique to us. Saga Pet Insurance is provided by Acromas Insurance Company Limited (AICL) which meet our high standards of quality and service.

Senior woman cuddling with her cat while relaxing on the balcony at home

Pet health guide

We've put together a guide to help you better understand the health of your pet, so you can keep an eye out for any signs that they may need veterinary treatment. This comprehensive guide also includes information about vaccinations, neutering, grooming and exercise.

Download PDF
Senior veterinarian treating injured dog

Existing pet insurance customers

Useful information for all existing Saga Pet Insurance customers.

Find out more

Jargon buster

Our jargon buster is designed to explain the most commonly used terms you may come across when taking out a pet insurance policy.


Contribution means the percentage you must pay towards any claim for vet fees in addition to your excess. If a contribution applies to your policy this will be shown on your Schedule.


An endorsement is a change to the pre-printed policy document that reflects your individual terms and conditions.


Your excess is the first amount of each and every claim that you are required to pay.


Exclusions are the causes of loss or damage that your pet is not covered for under your pet insurance and are set out in your policy document.

Insurance Premium Tax (IPT)

IPT is a tax on general insurance premiums. This is included in the price of your pet insurance.

Pet Travel Scheme (PETS)

The Pet Travel Scheme (PETS) is the system that allowed cats and dogs to re-enter the UK without quarantine. The rules for taking your pet abroad have changed now that the UK is no longer part of the EU. Please see the Government's guidance on pet travel to and from Great Britain for more information.


The policyholder is the owner of the pet.

Third party liability

Third party liability covers up to a specified amount if your pet causes injury to someone else or damage to their property for which you are legally liable (this applies to dogs only).

Get a pet insurance quote