Insure with PETtrac

Insure with PETtrac, formerly known as Avid Pet Insurance, is based in London and specialises in providing lifetime insurance cover for pets.

Insure with PETtrac is a trading name of Thistle Insurance Services. Its policies are underwritten by Covea Insurance plc.

It was launched, as Avid Pet Insurance, in 2011. In 2019 the name was changed to Insure with PETtrac. 

Thistle Insurance Services also owns many of insurance brands, including Golfshield, Gadgetguard and British Cycling Travel Insurance. 

Insure with PETtrac
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Pet insurance

Ranked 21st of 35 providers reviewed.

Customer happiness score 58.79%
Customer trust score 61.54%
Complaints performance 73.43%
Transparency rating 62.23%
Fairer Finance score
Reviewed Autumn 2023
64%

Pet insurance

Cat insurance

Insure with PETtrac

£3,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £3,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £200.00
Complementary treatment i £750.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £3,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £200.00
Complementary treatment i £750.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £6,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i
4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £12,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £200.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

£6,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £6,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £6,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

£12,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £12,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £200.00
Complementary treatment i £3,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £12,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 60 days
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £12,000

2 stars
Type of cover i Accident-only
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £12,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £0.00
Complementary treatment i £12,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £3,000

2 stars
Type of cover i Accident-only
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £3,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £3,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £6,000

2 stars
Type of cover i Accident-only
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £6,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £0.00
Complementary treatment i £6,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £0.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i
Age when compulsory excess rises i 8 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Insure with PETtrac

£3,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £3,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £200.00
Complementary treatment i £750.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i

Insure with PETtrac

£12,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £12,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £200.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £12,000.00
If renewed, are existing conditions covered? i

Insure with PETtrac

£6,000 (with all optional covers)

4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £6,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £6,000.00
If renewed, are existing conditions covered? i
4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £6,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £200.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i
4 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £12,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £200.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i
3 stars
Type of cover i Maximum benefit, policy
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i £3,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £200.00
Complementary treatment i £750.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £12,000

2 stars
Type of cover i Accident-only
Medical cover limit i £12,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £12,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £12,000.00
Cruciate ligament damage i £12,000.00
CT scans i £12,000.00
MRI scans i £12,000.00
Prescribed food i £0.00
Complementary treatment i £12,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £3,000

2 stars
Type of cover i Accident-only
Medical cover limit i £3,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £3,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescribed food i £0.00
Complementary treatment i £3,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i

Insure with PETtrac

Accident only £6,000

2 stars
Type of cover i Accident-only
Medical cover limit i £6,000.00
Medical excess i £150.00
Annual policy limit i
Annual condition limit i £6,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescribed food i £0.00
Complementary treatment i £6,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £0.00
If renewed, are existing conditions covered? i