About Muddy Paws Pet Insurance
About Muddy Paws Pet Insurance
About Muddy Paws Pet Insurance
Muddy Paws was started in 2010 under the name of VetsMediCover. In 2024, it was rebranded as Muddy Paws following its acquisition by Brown and Brown.
Brown and Brown Inc. is the sixth largest independent insurance brokerage in the USA.
The Brown & Brown culture is built on integrity, innovation, superior capabilities, and discipline. They look at insurance differently and use their experience, carrier relationships, and principled customer focus to deliver superior service and solutions.
With more than 80 years of proven success, Brown & Brown is one of the industry’s most powerful and influential leaders.
Muddy Paws provides high-quality pet insurance. Intelligent underwriting, a user-friendly application, and outstanding customer service ensure we stand out from the crowd. Most importantly, we are dedicated to efficient claims management.
At Muddy Paws, the core features of our pet insurance plans are detailed on our site. If you would like to read the detailed documents for yourself, the full policy wordings are available to be downloaded at the bottom of this page.
Providing Reliable Cover
The core features of our pet insurance plans are detailed on this page and throughout our site. If you would like to read the detailed documents for yourself, the full policy wordings are available to be downloaded at the bottom of this page.
Lifetime Cover
Our Lifetime policies are Gold, Platinum & Diamond and each offers a different level of cover, as shown in the Table of Benefits . The lifetime policies are an annual plan and must be renewed for the cover to continue by us offering and you accepting the renewal invitation. If your policy is not renewed, then we will no longer be able to provide assistance with your claim.
As Lifetime cover provides cover for all conditions over the life of your pet, you must be able to afford to pay the yearly premiums which will increase at renewal based on the age of your pet, claims history and other cost such as enhancements to veterinary treatments.
For example: the policy you purchase when your pet is less than one at a cost of £180 per annum, could cost £263 per annum by the time your pet is aged five and £515 per annum by the time your pet is ten. This could increase to £1,834 by the time your pet reaches the age of fifteen with the additional payment of a fixed £90 excess and 20% excess payable with any claim.
12 Months Cover
This policy has been designed for owners looking for great value pet insurance to help with the cost of veterinary fees to treat injuries or illnesses for a period of 12 months only.
All conditions claimed in any one period of insurance cannot exceed the vet fee limit. After 12 months the condition will no longer be covered, and any further treatment will need to be paid by you as it will be deemed a pre-existing condition and excluded from the policy.
In addition to the vets fees, the 12 months policy also covers third party liability, loss of pet by straying and complementary therapy treatment.
As the 12-month policy is an annual plan, the 12-month period could be across two policy years. To continue to claim for the condition you will need to, when we invite you renew, accept by continuing to pay the premiums.