Pet Microchipping Insurance
Pet Microchipping insurance plus 11 other pet care activities for just £5.41 per month.*
- Protecting over 35,000 pet care professionals**
- Flexible payment plans at 0% APR
- Public Liability up to £10 million
- Vet bills & equipment covered
Save 10% Onlineˆ
From £5.41* per month
What does pet microchipping insurance cover?
Our pet microchipping insurance offers crucial protection against everyday risks, including standard public liability coverage. You can choose the level of cover that best fits your business needs.
We also provide specialist options like loss of key cover, equipment cover, and care, custody, and control, all adaptable to meet your specific requirements. Whether you run an ad hoc pet microchipping service or operate daily, our customer support team is here to help you select the right coverage and answer any questions you might have. This way, you can focus on safely delivering your pet services with the confidence that you’re well-protected.
Our policy includes 11 pet care activities, all our Pet Business Insurance policies include cover for dog walking, dog grooming, cat grooming, mobile dog grooming, mobile cat grooming, dog training, dog hydrotherapy, pet behaviourist, pet home boarding, pet microchipping and pet minding.
Make sure you have the correct insurance for the activities you offer and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Loss of Keys
Care, Custody & Control
Equipment
Close Family Extension
11 Pet Care Professions Covered
- Pet microchipping
- Dog walking
- Dog and cat grooming
- Pet home boarding, Pet Sitting and Pet Minding
- Pet taxi and Pet Transportation
- Dog training and Pet behaviourist
- Dog hydrotherapy
Public Liability
- Up to £10 million of cover available.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Loss of Keys
- Key Cover up to £10,000.
- Cover includes new keys and locks, the cost of re-setting intruder alarms and associated call-out costs if you were to lose them.
Care, Custody & Control
- Cover up to £100,000 – £25,000 limit for any one Animal.
- If an animal in your care (or your staff) is: Accidentally lost, suffers an injury, becomes ill, suffers a fatality.
Equipment
- £250 of equipment included.
- Add up to £30,000 of equipment cover.
- Grooming, training and other business tools covered.
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select.
Non-Negligent Cover
- Similar to the Care, Custody and Control protection If an animal suffers during the course of service delivery through no fault of your business:
- Accidental loss, injury & illness, death of an animal in your care.
Close Family Extension
- Close family members are covered within the Public Liability, to assist you with your business. This includes your husband, wife, son, daughter or other close family.
- You don’t need to take out Employers’ Liability with this extension.
Loss of Money
- Cover for losses up to £1,000 or £5,000 of physical money (coins or notes) obtained through your insured activities. This money is covered while at your business premises, your home, or the home of any partner, director, or authorised employee, as well as when in transit for business trips.
- Up to £1,000 of cover for losses due to dishonest acts by any employee. Claims must be made within 14 days of discovering the loss, and you should take all reasonable steps to prevent such losses.
Travel Expense Reimbursement
- If a pet in your care is accidentally killed, stolen, or goes missing for more than 48 hours, we’ll cover the owner’s extra travel expenses. So, if the owner has to cut their holiday short because of their pet’s death, for example, we’ll reimburse up to £1,000 of their extra costs.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Legal Expenses
- Up to £100,000 indemnity for legal defence and tax protection.
- Access to 24-hour helpline, for legal, tax, or counselling, to support you in running your business.
Professional Indemnity
- Up to £1m
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Personal Accident
- Up to £25,000, subject to those insured being under eighty (80) years of age.
- This policy covers specified individuals for any accidents that may occur while conducting the insured business activities. It is a benefit policy that provides fixed amounts based on the type of injury sustained, including coverage for accidental death, loss of sight or limbs, and temporary total disablement.
- Dog walkers are limited to walk a maximum of 6 dogs at one time.
- Dogs or crossbreeds of dogs classified under the Dangerous Dogs Act 1991. Refer to government websites for updates in the law.
- Pre-existing medical conditions in animals.
- Injuries to animals you own can occur during incidents that happen while caring for other animals or during your personal time.
- Caring for non-domestic animals.
- Your business operating without a licence when a licence is a mandatory requirement e.g. animal boarding.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need pet microchipping insurance?
Your clients trust you to provide the highest level of care for their pets while they are in your care. This trust comes with a significant responsibility to plan for the unexpected. Pet microchipping insurance is essential for protecting against unforeseen circumstances beyond your control providing vital cover to shield you from costly losses that could arise from claims related to accidents, injuries, or other incidents.
By having this insurance, you can ensure that your business remains financially secure, allowing you to focus on delivering exceptional service and care to your clients and their beloved pets. These scenarios highlight the importance of pet microchipping insurance.
Protects against claims should a member of the public get injured.
In case an animal in your care causes injury to a member of the public or you cause accidental damage to your clients’ property whilst delivering your services, public liability will protect you if claims arise from these incidents.
Cover from costly business equipment losses.
Not only could equipment be expensive to replace but any losses could also impact the activities you offer as part of the club, if they are not available.
Equipment cover can protect against costly claims from theft, damage or loss of your items.
Vet expenses if accidents happen.
Even if an animal is insured by their owners any accident, illness, or loss in your care will be deemed your responsibility. Whilst no one wants harm to come to any animal it’s important to ensure you are covered to get them treatment if accidents happen.
Care, Custody, and Control offers you protection if an animal is lost, injured, becomes ill, or suffers a fatality while in your care.
Protect family members who work for you.
If your close family works for you such as your husband, wife, son, daughter or other close family you can get cover to protect them against liability claims, whilst assisting with your business operation, under your policy without the need of including Employers’ Liability.
Any workers other than a family member would need to be covered under Employers’ Liability. If employees work for you, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Our experts explain why...
“Caring for an animal carries a risk and this is heightened further so when caring for another person’s animal, even if they are domestic. Our policy ensures that if that animal were to harm you, a person in your employment, a member of the public or themselves, that you can stay protected against potential financial losses related to reimbursing those that try to claim damages from you. Whether it be reimbursing the owner of the animal for vet bills arising from an injury when walking a dog or a claim costing thousands of pounds caused by a dog in your care, biting a member of the public, you can rest assure our claim experts will handle your claim with care and priority.”
Mandy Czyz, Protectivity Underwriter
How much does pet microchipping insurance cost?
The cost of pet microchipping insurance can vary depending on the type of business you operate, the size and additional factors. For instance, if you employ staff, it is a legal requirement to include employers’ liability insurance. Adding this will increase the cost of your premium.
At Protectivity our cover starts at £5.41* per month, providing comprehensive cover for a small price.
Prices from
£5.41* a month
Explainer quote
Policy cost
£5.41* a month
Policy type
Pet Microchipping Insurance
Policy duration
Annual
Public Liability
£1,000,000
Care, Custody and Control
£100,00
Loss of Keys
£10,000
Equipment cover
£250
Close family cover
Included
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your pet microchipping insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
Is professional indemnity cover recommended for providing microchip registration services?
Yes. Professional Indemnity is advisable if you are offering microchipping, as it protects you against claims arising from errors, omissions, or negligence in your work. You can add £1 million worth of cover to your policy.
Does public liability cover incidents at local council or charity microchipping events?
Yes. Public Liability (up to £10 million) covers claims from third parties for injury or property damage, including incidents at organised events such as council or charity microchipping clinics, provided you are operating within the law and scope of your business.
Are replacement scanners or microchipping equipment included under business contents cover?
Yes. Equipment cover protects against theft, loss, or accidental damage to business tools (including scanners and microchipping devices). £250 is included as standard, with the option to add cover up to £30,000.
Does my policy need to specify compliance with UK microchipping regulations?
Your insurance does not replace your legal responsibilities. You must comply with UK microchipping regulations and licensing requirements (e.g., The Microchipping of Dogs Regulations 2015). Claims may not be valid if your business operates without required compliance.
Are volunteers assisting at microchipping clinics covered by my insurance?
Volunteers who are close family members may be included under the Close Family Extension within Public Liability. Other volunteers are not automatically included – if you regularly use non-family volunteers, you should add Employers’ Liability to ensure they are covered. All must be 14 years and over and If under the age of 18 then they must be accompanied by someone over the age of 18 that is insured within the business.
Is cover available for mobile microchipping services visiting clients’ homes?
Yes. Public Liability and Care, Custody & Control apply wherever you are working, including client homes, provided you operate legally and within policy conditions. Equipment cover also applies to tools taken on the move.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Dec 2025
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Pet Business customers. This discount does not apply to the optional Legal Expenses benefit. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data