
Pet insurance can be a lifesaver for pet owners, but it's essential to understand what's covered and what's not. Some pet insurance policies may cover boarding and kennel fees, but this varies depending on the provider and the specific policy.
Most pet insurance policies cover medical expenses, but boarding and kennel fees fall under a different category. These fees are typically considered non-medical expenses, which may or may not be covered by pet insurance.
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What Pet Insurance Covers
Pet insurance can provide financial assistance for boarding fees, but the coverage varies depending on the policy. Some policies may cover hundreds of pounds of boarding fees, while others may not cover any at all.
The amount of boarding fees covered by pet insurance can be limited, with a set limit per year and possibly a set daily limit. For example, a policy may cover up to £3,000 in boarding fees, with a daily limit of £15.
Here's a breakdown of the coverage limits for boarding fees:
Keep in mind that you may need to cover the excess of your insurance policy before making a claim. It's essential to read the fine print and understand what is covered to ensure you're prepared for any unexpected expenses.
Coverage Includes
Coverage includes a range of benefits that can help pet owners in times of need. Pet insurance can cover the costs of boarding fees if you or a family member is hospitalized for more than 48 hours, with daily rates ranging from £15 to £1,500 depending on the policy.
The amount of coverage varies depending on the policy type, with some offering up to £10,000 in lifetime coverage and others offering a maximum benefit of £3,000. Here's a breakdown of the maximum benefits offered by different policies:
Pet insurance can also help cover the costs of unexpected illnesses or injuries that may occur while your pet is in boarding, including emergency veterinary care, medications, and follow-up visits.
Pet Insurance Coverage

Pet insurance can provide peace of mind for pet owners by covering unexpected expenses related to pet boarding.
If you or a family member is hospitalized for more than 48 hours, many pet insurance policies will cover the cost of your pet's boarding fees. For example, MetLife's coverage for boarding will reimburse up to $500 per policy period if boarding is necessitated by a medical emergency.
Pet insurance can cover the costs of boarding if your pet needs to stay longer than expected due to an illness or injury. Some policies may also cover behavioral issues, such as aggression or anxiety, while in boarding.
However, it's essential to understand what is and what is not covered in your policy to avoid any surprises when making a claim. Pre-existing conditions, vaccinations, and behavioral issues are common exclusions in pet boarding coverage.
Here are some key points to consider when choosing a pet insurance policy:
- Medical emergencies, accidents, and illnesses are typically covered.
- Boarding cancellations and behavioral issues may be covered, but check your policy.
- Pre-existing conditions, vaccinations, and certain breeds may be excluded.
- Some policies may offer specialized pet boarding insurance or reimbursement for boarding fees.
Pet insurance can provide financial assistance in case of an unexpected illness or injury while in boarding. By carefully reading and understanding your policy, you can ensure that your furry friend is protected and that you have peace of mind while they are being boarded.
Boarding Fees and Claims
If you or a family member has to go into hospital for more than 48 hours, your pet's boarding fees will be covered. This applies to all types of pet insurance, including time-limited and lifetime policies.
The amount of coverage varies depending on your policy limits. For example, if you have a time-limited policy, the maximum benefit is £3,000, with a daily rate of £1,000 for boarding fees.
If you have a lifetime policy with a limit of £7,500, you'll be covered up to £1,500 for boarding fees.
Here's a breakdown of the maximum benefits for boarding fees under different policy limits:
You can also claim for a daily rate of £15 if you ask someone who doesn't live with you to look after your pet, instead of boarding them in a kennel or cattery.
Boarding Fees Covered Amount
Pet insurance policies vary, but some may cover hundreds of pounds of boarding fees. The amount covered can be substantial, but it's essential to understand the limits.

Some policies may have a set limit per year, and possibly a set daily limit. You may need to cover the excess of your insurance policy before making a claim.
MetLife's Coverage For Boarding offers up to $500 per policy period for boarding costs, but only if boarding is necessitated by a medical emergency.
If you or a family member needs to go to the hospital for more than 48 hours, you may be eligible for reimbursement. To claim, you'll need to submit evidence of hospitalization and receipts from the pet boarding facility.
Here are the daily and annual limits for boarding fees covered by some policies:
Keep in mind that these limits apply to specific policies and may not be the same for all pet insurance providers. Always check your policy documents for the exact details.
Filing an Insurance Claim
Filing an insurance claim can be a straightforward process if you have the right documents. You'll need to provide proof of your hospital stay and boarding fees.
Insurance companies typically require a receipt from the boarding establishment, which should list the dates your pet was boarded and the costs incurred. They may even ask for itemized daily costs.
A letter from your doctor is also necessary, stating the dates of your hospital stay and confirming that the reason for it is not a condition excluded by your insurance policy.
To make things easier, check the claim form for specific details on what documentation is required.
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MetLife's Boarding Coverage
MetLife's Boarding Coverage is a valuable feature that can provide financial relief during difficult times. If you have a MetLife Pet policy, you can get the cost of boarding covered up to $500 per policy period.
This coverage is specifically designed for medical emergencies, so if you or a household member is hospitalized for more than 48 hours, you may be eligible for reimbursement. To make a claim, you'll need to submit evidence of hospitalization and receipts from the pet boarding facility.
Pet owners who have experienced a medical emergency know how stressful it can be to find a suitable boarding facility for their pets. With MetLife's coverage, you can focus on your recovery while knowing your pet is being well cared for.
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Pet Boarding Insurance
Pet boarding insurance can provide financial assistance in the event of an unexpected illness or injury while your pet is in boarding. It's a crucial aspect of pet ownership, helping to ensure your furry friend receives the best care possible.
Pet insurance can cover the costs of unexpected illnesses or injuries that may occur while your pet is in boarding, including emergency veterinary care, medications, and follow-up visits. Some policies may also cover the costs of boarding if your pet needs to stay longer than expected due to an illness or injury.
When choosing a pet insurance policy, it's essential to read the fine print and understand what is covered. Some policies may have exclusions or limitations that could affect your ability to use the insurance for pet boarding. It's also crucial to choose a policy that meets your specific needs and budget.
Pet boarding insurance can provide peace of mind and ensure that your pet receives the best care possible. If you're planning to board your pet, consider whether your pet insurance covers the costs of boarding, which can help ease the financial burden of this important service.
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Some pet insurance policies may cover up to $500-$1000 per policy year for licensed kennels only, with some carrying a maximum dollar amount per day. It's vital to ask specifically about boarding kennel coverage to ensure you get a plan that includes the amount of coverage you're happy with.
Here are some key points to keep in mind:
- Pet boarding insurance typically covers the cost of your pet's boarding fees if you're hospitalized for more than 48 hours.
- The cover is usually up to the limits set out in your Certificate of Insurance.
- Some policies may pay a daily rate of £15 if you don't put your pet in a kennel or cattery and ask someone to look after your pet.
It's also worth noting that some pet insurance policies may offer additional coverage options, such as accidents-only coverage or coverage for alternative therapies like hydrotherapy or homeopathy.
Research and Planning
Before getting pet insurance, it's essential to understand what's covered and what's not, including boarding fees. Some pet insurance policies may cover boarding fees, but it's crucial to read the fine print.
Pet owners should research different insurance providers and their policies to find one that meets their needs. For example, Nationwide pet insurance covers boarding fees, but only up to a certain limit.

Not all insurance policies are created equal, and some may have exclusions or limitations on boarding coverage. It's vital to carefully review the policy before purchasing.
Pet owners should also consider their pet's age, health, and lifestyle when selecting a pet insurance policy. This will help ensure they get the right coverage for their pet.
Sources
- https://www.sainsburysbank.co.uk/pet-insurance/features/boarding-fees-cover
- https://www.findpetboarding.com/advice/insurance-cover-boarding-fees.asp
- https://www.metlifepetinsurance.com/blog/pet-insurance/cover-boarding/
- https://fastercapital.com/content/Pet-boarding--Insuring-Pet-Boarding--Does-Pet-Insurance-Cover-It.html
- https://puppylove.ca/pet-insurance-cover-kennel-expenses/
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