Important information about insurance for your dog
We'd like to tell you about an important change to the way your dog’s veterinary costs will be covered.
What is changing?
From 1 October 2026, Dogs for Good will no longer use Insurance Emporium to insure our dogs.
Instead, Dogs for Good will pay veterinary costs directly.
This is called self-insurance.
We know that changes like this can feel worrying or confusing. We want to explain what this means for you and your dog.
Why are we making this change?
We have looked carefully at the cost of our current insurance.
Each year:
- Dogs for Good pays about £125,000 towards insurance.
- Clients pay about £60,000 towards insurance.
- Insurance Emporium pays out about £75,000 to cover veterinary costs.
This means that, overall, Dogs for Good and our clients pay much more for insurance than we get back in claims.
We have also looked at other insurance companies. We have not found another insurer that would give us significantly better value.
We believe that self-insurance is a better way for Dogs for Good to manage these costs.
What does this mean for you?
If you’ve previously paid an insurance premium, there will no longer be anything to pay.
From 1 October 2026, you will not need to pay for insurance for your dog.
This could save you up to £450 each year.
Insurance Emporium will contact you about:
- any insurance payments you still owe them
- any refund they owe you.
What about additional financial support you receive?
This will not impact the financial assistance we currently give to you. We will continue to support you with the costs as of caring for your dog and as agreed in your annual review. This may include annual health checks, annual vaccinations and flea and wormer treatments.
What happens if your dog needs treatment?
From 1 October 2026, if your dog needs veterinary treatment that would previously have been covered by insurance, please contact Dogs for Good.
You should contact us before agreeing to treatment, where possible.
Depending on your financial assistance support, we may still ask you to pay the first £450 of costs for each injury, illness or condition.
This is called the excess.
For example:
If your dog needs treatment that costs £1,000:
- you would pay the first £450
- Dogs for Good would pay the remaining £550.
You will not have to pay the costs above the £450 excess.
We hope to reduce the £450 excess in the future.
We need to understand the costs of doing this before we can make this change.
What if I take my dog abroad?
Please contact Dogs for Good before you take your dog abroad.
You must get our agreement first as described in your Qualification Contract Agreement.
Dogs for Good cannot pay veterinary costs for your dog while they are outside the UK.
If you take your dog abroad, you will need to:
- arrange your own insurance, or
- pay any veterinary costs yourself.
What about accidental damage?
The accidental damage cover provided by Insurance Emporium was very limited.
For example, it did not normally cover accidental damage to your own property, or the property of family or friends.
We recommend checking your home insurance to see if you have cover for accidental damage caused by your dog as described in the Qualification Contract of Agreement.
What if my dog hurts someone or damages their property?
Dogs for Good has a separate public liability insurance policy.
This can cover situations where a member of the public is hurt, or their property is damaged, because of something your dog has done.
If you think this has happened, please contact Dogs for Good as soon as possible after the event.
When does the change happen?
Your current Insurance Emporium cover ends at midnight on 30 September 2026.
The new Dogs for Good arrangements start on 1 October 2026.
You do not need to arrange new insurance for your dog.
Do you have questions?
We understand that you may have questions about these changes.
Please contact us if you are unsure about anything or would like more information.
You can email us at:
We are happy to help.