Purely Pets Discount Codes & Promo Codes → December 2025

More Ways to Save Money at Purely Pets

Purely Pets has cracked the code on making comprehensive pet insurance actually affordable. Their payment options eliminate the biggest barrier most pet owners face — that hefty upfront annual cost. Combined with smart policy features and ongoing perks, you're looking at genuine value that extends well beyond your monthly premium. Let's break down exactly how to squeeze every penny of value from your policy.

How to Apply Your Purely Pets Discount Code

Getting your discount sorted at checkout is straightforward, but timing matters. Here's exactly how to make sure your savings stick:

1. Get your quote first — start with the online quote tool to see your base premium across different coverage levels
2. Choose your excess amount — this affects your final premium, so decide before applying any discount
3. Look for the promo code box — this typically appears during the payment section of your application
4. Enter your code carefully — double-check spelling and make sure there are no extra spaces
5. Verify the discount applies — your premium should update immediately to reflect the savings
6. Complete your application — don't navigate away once the discount is active, as you might lose the offer

What to Do If Your Code Isn't Working

If your code isn't working, check the terms and conditions first. Some offers have minimum premium requirements — for instance, certain discounts need premiums of at least £90.48 for dogs or £82.08 for cats. Others might be limited to new customers only or can't be used in conjunction with other promotions.

Interest-Free Monthly Payments That Actually Work

Here's where Purely Pets gets clever with your cash flow. Instead of dropping £300-500 upfront for annual cover, you can spread those costs across 12 months with absolutely zero interest charges. We're talking proper interest-free payments, not some sneaky financing deal with hidden costs.

Their direct debit system handles everything automatically, including Insurance Premium Tax at the current rate. The monthly instalments are subject to validation checks during your quote, but once approved, you're sorted for the year. This approach transforms a significant annual expense into manageable monthly chunks — think of it like Netflix for your pet's health, except the stakes are considerably higher.

The real beauty? You're not paying extra for this convenience. Most insurance companies either charge interest on monthly payments or add administrative fees. Purely Pets includes this as standard, which means you're essentially getting free money management.

Partner Perks: Ongoing Savings Beyond Insurance

This is where Purely Pets gets smart about customer loyalty. Their Partner Perks programme connects you with deals from other pet-related companies, creating ongoing value that extends well beyond your insurance policy. Think of it as a bonus loyalty scheme that comes free with your cover.

The deals cover everything from pet food and accessories to grooming services and training courses. While Purely Pets earns commission from these partnerships, there's no additional cost to you — it's essentially a revenue-sharing model that benefits everyone involved.

What makes this particularly clever is the timing. Pet insurance is typically a 'set it and forget it' purchase, but Partner Perks keep you engaged with the brand throughout the year. You're getting regular reminders of your policy's value through tangible savings on stuff you'd buy anyway.

Flexible Excess Options to Control Your Premiums

Here's where you can really fine-tune your costs. Purely Pets offers flexible excess amounts, which basically means you choose how much you'll pay upfront when making a claim. It's a direct trade-off: higher excess equals lower monthly premiums, and vice versa.

For budget-conscious pet owners, this is brilliant. If you can comfortably handle a £200 excess when needed, you'll pay significantly less each month than someone who opts for a £50 excess. The key is being honest about your financial situation — there's no point saving £10 monthly if you can't afford the excess when your pet actually needs treatment.

Doing the Maths: How to Choose Your Excess

The smart play? Calculate the annual difference between excess options and compare it to the excess gap. If choosing a £200 excess over £100 saves you £60 annually, you're essentially 'paying' £60 to reduce your potential out-of-pocket cost by £100. That's solid value.

24/7 Vet Video Consultations: Built-In Cost Savings

This feature alone can justify your entire premium. Emergency vet consultations typically cost £100-150 just to walk through the door, before any treatment. Purely Pets includes unlimited video consultations with qualified vets, which means you can get professional advice for minor concerns without the hefty consultation fees.

The real value kicks in during those 'is this serious?' moments. Your dog's limping slightly, your cat's off their food, or you're worried about a small cut. Instead of rushing to the emergency vet (and paying premium rates), you can get professional assessment within minutes. If it's nothing serious, you've saved yourself a costly trip. If it is serious, you'll arrive at the vet with a clear understanding of what's wrong.

Smart pet owners use this service proactively too. Got questions about diet, behaviour, or preventative care? The video consultation service covers general pet health advice, not just emergency situations. It's like having a vet on retainer, included in your monthly premium.

Lifetime Coverage: Long-Term Value That Compounds

While lifetime coverage costs more upfront than basic accident-only policies, the long-term savings are substantial. Here's why: once your pet develops a condition, most insurers either exclude it from future policies or refuse to cover your pet entirely. Purely Pets' lifetime approach means conditions remain covered as long as you keep renewing.

Consider a dog that develops diabetes at age 6. With basic insurance, you'd face either massive premium increases or complete exclusion of diabetes-related costs for the rest of the dog's life. With lifetime cover, you're protected against both the condition and the financial uncertainty that comes with it.

Bronze, Silver, and Gold: Matching Cover to Your Pet

Their 15 different coverage levels (Bronze: £1,000-£5,000, Silver: £6,000-£10,000, Gold: £11,000-£15,000) let you match your cover to your pet's likely needs. A young, healthy cat might do fine with Bronze level cover, while an older dog or a breed prone to expensive conditions might justify Gold level protection.

Direct Vet Payments: Cash Flow Protection

Most pet insurance works on a 'pay and claim back' model, which can be brutal when you're facing a £3,000 surgery bill. Purely Pets offers direct payment to vets for many treatments, which means you're not fronting massive costs while waiting for reimbursement.

This feature becomes crucial during expensive treatments. Instead of finding £2,000 upfront and waiting weeks for reimbursement, the insurance company settles directly with your vet. You just pay your excess and any costs above your coverage limit. It's a genuine cash flow advantage that can make the difference between getting treatment immediately or having to delay care.

The system works particularly well for planned procedures where you can arrange pre-approval. Emergency situations might still require upfront payment, but even then, the direct payment option can often be arranged quickly once the immediate crisis is handled.

Customer Support at Purely Pets

Getting help with your policy or claims is straightforward, with multiple contact options designed around your schedule. Whether you need to report a claim, adjust your coverage, or get advice about treatment options, their support team handles both routine enquiries and urgent situations.

• Phone support: 0330 102 5748 (Monday-Friday 8am-8pm, Saturday 9am-2pm, Sunday closed)
• Email support: Available for non-urgent enquiries and detailed questions
• Extended holiday hours: Reduced hours on Christmas Eve and New Year's Eve, closed on major holidays
• Call recording: All calls recorded for security and training purposes

The 0330 number charges local rates from landlines and standard rates from mobiles, typically included in most calling plans. For urgent claims outside office hours, their online claims system provides 24/7 access to report incidents and upload supporting documentation.