The Kennel Club

Kennel Club-branded pet insurance for pedigree dogs, underwritten via a UK partner. Evidence is being verified.

Not yet researched11 of 11 comparison topics researchedReviewed 9 July 2026

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At a glance

Vet-fee limit: Current public dog products reviewed are Lifetime Lite £4,000, Lifetime £7,500, Lifetime Plus £15,000 and Lifetime Premium £25,000 each year
Excess and co-payment: Excess: Excess has two components: a fixed excess and a percentage excess. The fixed excess is applied once per period of insurance to each separate illness or injury, and the percentage excess is calculated after the fixed excess and applied to all claims. · Co-payment: Percentage excess applies to all claims after the fixed excess. The exact percentage is chosen at inception and shown on the Schedule of Insurance. The claims FAQ uses a 10% example calculation, but the reviewed official documents do not publish a single universal percentage for all current products
Waiting periods: Costs for and resulting from an illness in the first 10 days of the policy are excluded when first purchased; the reviewed IPIDs state this does not apply if the policy is renewed with Royal Kennel Club Pet Insurance. No separate accident waiting period was published in the official documents reviewed
Pre-existing conditions: Pre-existing conditions are excluded. The current claims FAQ defines this as any sign of illness, injury or behavioural issue that began before the policy started, and the IPIDs also exclude illnesses or injuries that first showed signs before the policy started, including related bilateral/symmetrical conditions

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What you may pay

ExcessExcess has two components: a fixed excess and a percentage excess. The fixed excess is applied once per period of insurance to each separate illness or injury, and the percentage excess is calculated after the fixed excess and applied to all claims.

Being checked

Details: Excess has two components: a fixed excess and a percentage excess. The fixed excess is applied once per period of insurance to each separate illness or injury, and the percentage excess is calculated after the fixed excess and applied to all claims.

Fixed excess is applied once per period of insurance to each separate illness or injury; percentage excess is calculated after the fixed excess and is applied to all claims

Official source: Claims page; current dog IPIDs · reviewed 2026-07-09

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Co-paymentPercentage excess applies to all claims after the fixed excess. The exact percentage is chosen at inception and shown on the Schedule of Insurance. The claims FAQ uses a 10% example calculation, but the reviewed official documents do not publish a single universal percentage for all current products

Being checked

Details: Percentage excess applies to all claims after the fixed excess. The exact percentage is chosen at inception and shown on the Schedule of Insurance. The claims FAQ uses a 10% example calculation, but the reviewed official documents do not publish a single universal percentage for all current products

Percentage Excess is calculated after the fixed excess has been deducted and is applied to all claims. Exact percentage contribution is schedule-specific

Official source: Claims page; current dog IPIDs · reviewed 2026-07-09

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What the policy may limit

Vet Fee LimitsCurrent public dog products reviewed are Lifetime Lite £4,000, Lifetime £7,500, Lifetime Plus £15,000 and Lifetime Premium £25,000 each year

Being checked

Details: Current public dog products reviewed are Lifetime Lite £4,000, Lifetime £7,500, Lifetime Plus £15,000 and Lifetime Premium £25,000 each year

This is a lifetime pet insurance policy and the full benefit chosen is reinstated when the policy is renewed without a break in cover

Official source: Dog insurance page; Lifetime Lite page; current dog IPIDs · reviewed 2026-07-09

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Hidden LimitsCurrent official IPIDs publish substantial inner limits. Across the reviewed current dog IPIDs these include behavioural disorders £750, clinical diet 50% up to £250, platelet-rich plasma therapies up to £750, stem cell therapy up to £1,500, cremation/burial/house visit by a vet up to £150, and complementary treatment up to £1,000 on Lite/Lifetime and up to £2,500 on Plus/Premium. Optional extras also have separate caps, including death/theft at £1,500 on Lite/Lifetime and £2,500 on Plus/Premium, boarding up to £1,000 or £2,000, and holiday cancellation up to £1,000 or £3,000 depending on product

Being checked

Details: Current official IPIDs publish substantial inner limits. Across the reviewed current dog IPIDs these include behavioural disorders £750, clinical diet 50% up to £250, platelet-rich plasma therapies up to £750, stem cell therapy up to £1,500, cremation/burial/house visit by a vet up to £150, and complementary treatment up to £1,000 on Lite/Lifetime and up to £2,500 on Plus/Premium. Optional extras also have separate caps, including death/theft at £1,500 on Lite/Lifetime and £2,500 on Plus/Premium, boarding up to £1,000 or £2,000, and holiday cancellation up to £1,000 or £3,000 depending on product

The main veterinary-fee limit is reduced in practice by multiple internal caps and optional-section limits, all published in the reviewed IPIDs

Official source: Current dog IPIDs; dog insurance product page · reviewed 2026-07-09

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Dental CoverDental illness and injury are covered. Current dog pages say common conditions include dental illness and injury, excluding routine check-ups, elective treatments, crowns and root canal procedures. The claims FAQ says the dog must have had a dental check in the 15 months prior to the illness being noted and any recommended treatment must be carried out within 12 months. The IPIDs repeat the 15-month dental-check condition

Being checked

Details: Dental illness and injury are covered. Current dog pages say common conditions include dental illness and injury, excluding routine check-ups, elective treatments, crowns and root canal procedures. The claims FAQ says the dog must have had a dental check in the 15 months prior to the illness being noted and any recommended treatment must be carried out within 12 months. The IPIDs repeat the 15-month dental-check condition

Cover for dental or gum illness requires a dental health check in the 15 months prior to the illness being noted and any veterinary treatment recommended by the vet must be carried out within 12 months of the recommendation

Official source: Dog insurance page; Lifetime Lite page; claims page; current dog IPIDs · reviewed 2026-07-09

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Behavioural TreatmentBehavioural treatment is included. The dog product page says cover applies if the dog needs to see a certified behavioural specialist and the owner is referred by their vet. The reviewed current IPIDs cap behavioural-disorder treatment at £750

Being checked

Details: Behavioural treatment is included. The dog product page says cover applies if the dog needs to see a certified behavioural specialist and the owner is referred by their vet. The reviewed current IPIDs cap behavioural-disorder treatment at £750

Cover to a maximum of £750 for treatment for behavioural disorders

Official source: Dog insurance page; current dog IPIDs · reviewed 2026-07-09

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When and how cover applies

Waiting PeriodsCosts for and resulting from an illness in the first 10 days of the policy are excluded when first purchased; the reviewed IPIDs state this does not apply if the policy is renewed with Royal Kennel Club Pet Insurance. No separate accident waiting period was published in the official documents reviewed

Being checked

Details: Costs for and resulting from an illness in the first 10 days of the policy are excluded when first purchased; the reviewed IPIDs state this does not apply if the policy is renewed with Royal Kennel Club Pet Insurance. No separate accident waiting period was published in the official documents reviewed

Costs for and resulting from an illness in the first 10 days of the policy apply only when the policy is first purchased and do not apply on renewal. Accident

Official source: Kennel Club Lifetime Premium Dog Insurance IPID; Kennel Club Lifetime Plus Dog Insurance IPID; Kennel Club Lifetime Dog Insurance IPID; Kennel Club Lifetime Lite Dog Insurance IPID · reviewed 2026-07-09

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Pre-existing ConditionsPre-existing conditions are excluded. The current claims FAQ defines this as any sign of illness, injury or behavioural issue that began before the policy started, and the IPIDs also exclude illnesses or injuries that first showed signs before the policy started, including related bilateral/symmetrical conditions

Being checked

Details: Pre-existing conditions are excluded. The current claims FAQ defines this as any sign of illness, injury or behavioural issue that began before the policy started, and the IPIDs also exclude illnesses or injuries that first showed signs before the policy started, including related bilateral/symmetrical conditions

Pre-existing conditions include illnesses and injuries that first showed signs before the policy started; the FAQ also expressly includes behavioural issues present before inception

Official source: How to Submit a Claim page; current dog product IPIDs · reviewed 2026-07-09

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ClaimsClaims can be submitted online; the easiest and fastest route is for the vet to submit on the customer’s behalf. Royal Kennel Club says it can pay the vet directly. The reviewed IPIDs state the claim must be submitted by the end of the period of insurance or within 6 months of the first treatment date, whichever is later

Being checked

Details: Claims can be submitted online; the easiest and fastest route is for the vet to submit on the customer’s behalf. Royal Kennel Club says it can pay the vet directly. The reviewed IPIDs state the claim must be submitted by the end of the period of insurance or within 6 months of the first treatment date, whichever is later

The claim must be submitted by the end of the period of insurance or within 6 months of the first treatment date, whichever is later, and the customer must provide reasonable information and cooperate in the claims process

Official source: How to Submit a Claim page; dog insurance page; current dog IPIDs · reviewed 2026-07-09

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RenewalsThese are annual lifetime policies. The dog pages say vet-fee cover is reinstated each year provided the policy is renewed without a break in cover. The current IPIDs say the product is a 12-month policy. The footer/terms wording says excesses may only be increased at renewal, and the public dog pages also market “No increase in your premiums when you claim.”

Being checked

Details: These are annual lifetime policies. The dog pages say vet-fee cover is reinstated each year provided the policy is renewed without a break in cover. The current IPIDs say the product is a 12-month policy. The footer/terms wording says excesses may only be increased at renewal, and the public dog pages also market “No increase in your premiums when you claim.”

The policy covers a period of 12 months; benefits are reinstated on renewal without a break in cover, and fixed/percentage excess can only be increased at renewal

Official source: Dog insurance page; terms and conditions page/footer wording; current dog IPIDs · reviewed 2026-07-09

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Provider FeaturesLifetime Lite / Lifetime / Lifetime Plus / Lifetime Premium tiers; up to £25,000 annual vet fees; third-party liability; behavioural treatment; lost/stolen pet cover; Pet24 reunite service; travel and accommodation to referral vet; annual health-check voucher on higher tiers; optional death/theft or straying; boarding fees; holiday cancellation; breeding risks cover; overseas travel cover; multi-pet discount; online claims; vet direct payment; Agria app 24/7 vet video calls; and My Account access

Being checked

Details: Lifetime Lite / Lifetime / Lifetime Plus / Lifetime Premium tiers; up to £25,000 annual vet fees; third-party liability; behavioural treatment; lost/stolen pet cover; Pet24 reunite service; travel and accommodation to referral vet; annual health-check voucher on higher tiers; optional death/theft or straying; boarding fees; holiday cancellation; breeding risks cover; overseas travel cover; multi-pet discount; online claims; vet direct payment; Agria app 24/7 vet video calls; and My Account access

Not published in official documents reviewed

Official source: Not published in official documents reviewed · reviewed 2026-07-09

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Policy change history

Knowledge Platform updated2026-07-01
Framework updated to v1.4 — Evidence Layer expanded across every Knowledge Product.
Guide refreshed2026-06-15
Claims and Pre-existing Conditions explainers updated with clearer plain-English wording.

Official information

Underwriter / administrator: Administered by Agria Pet Insurance

Knowledge Platform v1.4 · checked 2026-07-09. Every answer records the official information it came from, and many link straight to the insurer's own page or document. Where an answer names a document but we have not yet linked it, we say so on the answer instead of implying a direct link.

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