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Policy Details

Saga - Essential

Policy Details

Policy TypeVet Fees LimitExcess RangeContribution RangeMaximum AgeWaiting PeriodVet HelplinePay Vet DirectPrice Comparison SitesOnline DiscountMultiple Pet Discount
Lifetime Annual Benefit £ 1,000 £75-£225 0-25% 7 yrs 14 Days NoneNone


Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy.
The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

  • Key Points
  • Complementary Therapy
  • Excess/Contribution
  • Older Pets
  • This policy has a cover limit of just £1,000 per year.
    It does not pay for any complementary therapies.
    You have to pay a contribution of between 10-25% for pets over 5 years old.
    Nor does it include death benefits.
    It does however cover the travel costs for taking your pet to a referral vet.
    You can increase the excess in return for a lower premium.
    Travel cover is optional.

  • These are not covered by this policy.

  • The standard contribution is £75 per condition per policy year.
    You pay opt to increase this by up to £150 (to give a maximum of £225) in return for a lower premium. You have to pay a contribution for older pets. (10% for 5-year-old pets, 15% for 6-year-olds and 20% FOR 7-year-olds and 25% thereafter.

    The excess for third party liability claims is £100.

  • The maximum age for taking out a new policy is 7 years.
    You have to pay a contribution for older pets. (10% for 5-year-old pets, 15% for 6-year-olds and 20% thereafter).

Benefits Covered? Cover Limits
Additional Benefits

Third Party Public Liability

£ 2,000,000

Death/Loss Benefits

Accidental Death

Death by Illness

Lost or Stolen

Emergency Care (Boarding Fees)

Boarding Kennels

£ 750

Daily Minding

£ 750

Overseas Travel

Vet Treatment Abroad


£ 3,000



£ 1,500

Loss of Documents


£ 250

Repeat Worming



Emergency Expenses


£ 500

Other Benefits


£ 250

Holiday Cancellation

£ 1,500

Accidental Damage

Behaviour Consultation


Referral Travel Cost

£ 500

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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