Compare pet insurance
Pet insurance protects your pet by offering you three levels of cover for your dog or cat. Start your quote online today. Compare insurance to cover your much-loved pets.
What is Pet Insurance?
Pet insurance can help to cover the cost of unexpected vet fees when your pet needs treatment due to an accident or illness. You could even be covered if your pet gets lost (this is not included in our accident only policy), with help for advertising and a reward for your lost pet. We cover both dogs and cats up to £10,000 in veterinary fees, per year with our most comprehensive Lifetime policy.
Our pet insurance comparison tool
What do I need to compare pet insurance?
To compare insurance, you’ll need to know your pet’s age, breed and gender, and how much you paid or donated for them. You’ll also need to tell us whether your pet has been neutered or spayed and whether it’s microchipped.
How to get pet insurance
Setting your pet up with a suitable policy is straightforward, so long as you have this information to hand:
- Your personal information, such as your name and address
- The breed, age and gender of your pet
- Where your pet lives
- Its purchase price
- Whether it’s micro chipped
- Medical history, including any pre-existing conditions, if it’s been spayed or neutered, and if its vaccinations are up to date
- Details about its behavioural history
You can opt to pay for pet insurance monthly or annually, and you can also adjust the amount of excess you’re comfortable with.
What type of pet insurance is right for me?
How much cover your pet has for vet treatment depends on what type of policy you buy, so think carefully about which one you need:
- Accident only: Your pet is only covered for treatment needed after an accidental injury. Some also offer low levels of cover for vet fees, but not all.
- Time limited: You can claim for a specific condition for a set time period only, usually 12 months. After this you have to pay to treat that condition yourself.
- Maximum benefit: A condition will be covered up to a set limit, for example £8,000. Your insurer will not pay out for that condition once you reach the limit.
- Lifetime: This is the most comprehensive policy because it lets you claim up to a set amount, for example £12,000, each year of your pet’s life for any condition.
If you have a pedigree pet think about getting a high level of cover because they can suffer from hereditary diseases as they get older.
How to reduce the cost of pet insurance
As well as insurance for cats and dogs, you can take out cover for smaller pets, such as rabbits, and for birds and exotic animals such as reptiles.
It always pays to shop around for cover to see what policies and prices are best suited to your pet and your budget. Here are some money-saving tips to help bring down the cost of cover:
- Keep your pet healthy: Whether it’s feeding your pet a nutritional diet or keeping on top of its vaccinations, having a healthy pet will help lower your premiums. Our dedicated pet health page has lots of useful tips on how to keep your pet healthy.
- Opt for a higher excess: Your premium is likely to decrease if you’re willing to pay a higher excess on any claim you make. But keep the excess affordable in case you have to pay it.
- Take out multi-pet cover: Some insurers offer a discount of between 5% – 10% if you insure more than one pet on a single policy.
- Pay annually: Paying for your policy upfront is usually cheaper as some insurers charge interest on monthly instalments.
What pets can I get insurance for?
Most insurers offer cover for dogs and cats only, but you can also find insurance for rabbits, horses, birds and exotic pets.
How do I claim on my pet insurance?
You need to send a claims form to your insurer. Here is what you need to do to make a pet insurance claim.
Can I get cover that starts immediately?
Yes, most policies will start instantly when you purchase your cover, which means you could claim straight away if you needed to in an emergency.
Does pet insurance cover vaccinations?
No, you cannot claim on your policy to cover the cost of routine treatments like vaccinations or vet check ups.
Can I cover more than one pet on the same policy?
Yes, you can get a multi pet policy that covers two or more pets which may earn you a discount.
Can I cover my older pet?
Yes, but many insurers set a maximum age limit on their policies, for example eight years old for dogs and cats.
Can pet insurance cover existing conditions?
Most policies do not, but some can cover conditions if your pet has been symptom free for at least two years.
Who do we include in this comparison?
We include unsecured loans you can get in the UK from our panel. Like other comparison sites, we make money when you click through to a product or service, or go on to purchase it after visiting our site. If you use one of our broker services, we make commission after you buy a product, but it doesn’t cost you anything extra. Our comparisons are free for you to use and you get the same or a better deal than going direct.