Direct Line Pet Insurance Reviews (UK) – Best Pet Insurance

direct line pet insurance

Choosing pet insurance is not always easy, especially with so many companies claiming to be the best in terms of price, coverage, and service.

It can be a little overwhelming, and so to help you choose the best insurance for you and your dog, we have put this clever little series of pet insurance guides together.

Direct Line is one of the best dog insurance companies, and many who use the service have found themselves more than satisfied. Check out the Direct Line pet insurance reviews below and see if this is the company for you.

What Pet Insurance Policies Do Direct Line Offer for Dogs?

Direct Line offers two types of coverage with its pet insurance, and one of them could be the perfect match for you and your dog. In this section, we take a better look at each of the policies they provide and the main things they cover.

First, you have the essential cover. This tends to be the cheapest option in terms of price, and it is a good way to go if you are looking for basic coverage. Here is what you can expect it to cover:

  • Vet fees up to £4,000.
  • 12 months of cover for each condition from the first date of treatment.
  • 24/7 video vets on call.
  • Legal advice line.
  • Bereavement advice line.
  • Find a vet helpline.

The second, and final, option is the advanced cover. This is often a pricier option, but it does cover a lot more than its essential counterpart. Here is what you can expect this coverage to include:

  • Vet fees up to £8,000 per condition.
  • Vet fee limit includes up to £1,000 towards dental costs.
  • Euthanasia cover of up to £100.
  • Cover for an unlimited amount of conditions (both short and long term).
  • 24/7 video vets on call.
  • Legal advice line.
  • Bereavement advice line.
  • Find a vet helpline.

What Does Direct Line Pet Insurance Include?

The amount of coverage that you will receive from Direct Line definitely depends on the type of insurance you have selected.

If you look at the previous section, you will see that you have detailed each plan that they offer to give you a better idea of what you may be looking for.

However, for a general idea of what Direct Line covers, you can take a look at the list below:

  • Vet fees up to £8,000 per condition, depending on the coverage you select.
  • Vet fee limit includes up to £1,000 towards dental costs, depending on the coverage.
  • Euthanasia cover of up to £100, which is dependent on the chosen coverage.
  • Cover for an unlimited amount of conditions, dependent on the coverage selected.
  • 24/7 video vets on call.
  • Legal advice line.
  • Bereavement advice line.
  • Find a vet helpline.

There are also a number of optional forms of coverage, such as travel and liability, that can be selected for an additional fee if you wish to be insured against these things. The above list covers the main things that are included in the price.

What is the Cost of Direct Line Insurance for Dogs?

It is important to remember that there are a few things that will affect the amount that you will be quoted for your pet insurance, and this is something that goes for all companies, including Direct Line.

As a result of this, you should also remember that the costs listed in this section are only a rough guide. Here are some of the factors that could affect the amount of your quote:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from Direct Line to give you an idea of the cost of pet insurance from them. To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Essential: £18.88 per month (up to £4,000 of cover).
  • Advanced: £29.61 (up to £8,000 of cover per condition).

Making a Claim on Direct Line Insurance

Making a claim on your Direct Line pet insurance is actually surprisingly easy, and it will not take you a great deal of time or force you to put a lot of effort into it. Here’s what you need to do to make a claim when you are using this company.

The first way you can make a claim is online. They have a form available that it very easy to fill in, and will take you hardly any time at all.

Once the form is filled out, you can then submit it online to be reviewed and approved.

This is the fastest way to make a claim and, in many ways, the easiest.

You can also download a form and fill it out on your computer in your free time. Once you have done this, you can then email the claim form to them and wait for a response.

While slower than the online claim form, it is good for those who want to take their time filling it out.

The third option is to claim via the telephone. You can call them on the number provided with your insurance policy if you need to make a claim.

Often, this process can be as fast as the online claim, but you may need to wait for a call back to let you know if you have been approved. If you prefer speaking with humans as opposed to battling online forms, this is the way to go.

The Pros and Cons of Direct Line Pet Insurance

Here are some of the advantages and disadvantages that come with using Direct Line pet insurance to protect your dog.


  • Tends to have low prices.
  • Relatively good coverage for each condition.
  • A good discount for new customers (see below).


  • Only two policies to choose from.
  • Lots of optional extras that other companies automatically include.

Direct Line Pet Insurance Discount Codes

There are no discount codes for Direct Line pet insurance at the time of writing this article, and it does not appear to be something that they are involved in.

Interestingly, they do not appear to have a multi-pet discount if you do not register all your pets at the same time, which is something to bear in mind if you have plans to get more than one dog or animal in the future.

Direct Line does have one great discount, however, and it is one that will definitely pique your interest. Currently, they are offering 12 months of cover for the price of nine, which can leave you with massive savings when it comes to insuring your pets.

It is an online only deal, and it can be used in conjunction with the multi-pet discount for pets that are insured under the same policy.

Customer Reviews

Despite the fact that Direct Line is rated as one of the best pet insurance companies on the market, it has quite low customer ratings.

However, this is often the case for many pet insurance providers as people only usually leave a review when something goes wrong.

  • Pet Insurance Review has rated it at 2/5 with around 50 customer reviews.
  • Review Centre has rated it at 2/5 with around 100 customer reviews.

To Conclude

Hopefully, you have found this guide to Direct Line pet insurance insightful and helpful when it comes to finding out what they offer and approximately what you can expect to pay each month for your pet insurance.

Despite the Direct Line pet insurance reviews not being the best, it is still one of the best ones to go for on the market and is ranked as one of the leading providers.

Of course, it is important that you always take the time to do your research before you invest in pet insurance to make sure you are getting the best coverage for the best possible price.

What did you think of our guide to Direct Line pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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