Pet Insurance

Pet Insurance Basics

Our Pet Insurance Buying Guide aims to give you a detailed explanation of pet insurance, but if you don’t have time to read through everything right now, here’s a basic overview of what to look out for.

The most important decision to make is which type of policy to buy, and the amount of cover you want. Most pet insurance polices are one of three types:

1. Time Limited – these will pay out until you reach the vet fees limit, or 12 months from when the condition started. Once you reach this point, you won’t be able to claim again for that condition even if you renew, or move to another provider.
2. Maximum Benefit – these are the middle tier of policies, and once you hit the vet fees limit (either per year, or condition), you won’t be able to claim again for that condition even if you renew or take out a different policy.
3. Lifetime polices - the best, and usually the most expensive of the policies. The vet fees limits get reset every year, so you can continue to claim for a condition for the lifetime of your pet as long as you continue to renew the policy.

Different policies include or exclude different things, such as dental illness treatment, cover when abroad and accidental damage, and will also offer different amounts of cover depending on the level of policy you take out.

Top Pet Insurance Providers

Find and Compare Pet Insurance

Search for the best pet insurance policies for your needs with our Pet Insurance Search tool. By using the drop-down selection boxes, you can select only the policies that meet your requirements, and filter out those that are not suitable.

Pet Insurance Comparison

Click on "More Details" to discover more about a specific policy, or hover over the Policy Name to see a summary of the cover provided. Click on "Get a Quote" to go straight to the website of the pet insurance provider where you can fill in your details and get an instant quote online. To compare two policies side-by-side, simply select any two policies below by ticking the respective checkboxes (you can compare a maximum of two policies), then click "Compare".

Provider Policy Name
(click for more info)
Claim Limit Policy Type Covers *Online
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Compare

Argos Pet Insurance

Argos Pet Insurance

SilverArgos SilverAccidental Damage: n/a
Complementary Treatment: Included in vet fees
Death: £250
Dental Treatment: Accident Only
Holiday Cancellation: £250
Kennel or Cattery Fees: £150
Lost or Stolen Pet: £250
Lost Pet Advert & Reward: £250
Put to Sleep: £100
Third Party Liabilty: £1 million
Travel Abroad: Up to 90 days
Underwriter: RSA (via HIS)

£2500
Per Year
Time-Limited Cat
Dog
10% Get a Quote
More Details

Argos Pet Insurance

Argos Pet Insurance

GoldArgos GoldAccidental Damage: £500
Complementary Treatment: Included in vet fees
Death: £750
Dental Treatment: Accident Only
Holiday Cancellation: £1,500
Kennel or Cattery Fees: £500
Lost or Stolen Pet: £750
Lost Pet Advert & Reward: £750
Put to Sleep: £100
Third Party Liabilty: £1.5 million
Travel Abroad: Unlimited
Underwriter: RSA (via HIS)

£4000
Per Year
Time-Limited Cat
Dog
10% Get a Quote
More Details

Argos Pet Insurance

Argos Pet Insurance

PlatinumArgos PlatinumAccidental Damage: £500
Complementary Treatment: Included in vet fees
Death: £1,500
Dental Treatment: Accident Only
Holiday Cancellation: £3,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,500
Lost Pet Advert & Reward: £1,000
Put to Sleep: £100
Third Party Liabilty: £2 million
Travel Abroad: Unlimited
Underwriter: RSA (via HIS)

£7000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Co-op Pet Insurance

Co-op Pet Insurance

ClassicCo-op ClassicAccidental Damage: n/a
Complementary Treatment: n/a
Death: £1,500 (optional)
Dental Treatment: Yes
Holiday Cancellation: £2,000 (optional)
Kennel or Cattery Fees: Optional
Lost or Stolen Pet: £1,000 (optional)
Lost Pet Advert & Reward: £1,000 (optional)
Put to Sleep: n/a
Third Party Liabilty: £1 million
Travel Abroad: Up to 90 days
Underwriter: Allianz Insurance

£2000
Per Condition
Time-Limited Cat
Dog
20% Get a Quote
More Details

Co-op Pet Insurance

Co-op Pet Insurance

Select PlusCo-op Select PlusAccidental Damage: n/a
Complementary Treatment: £750
Death: £1,500 (optional)
Dental Treatment: Yes
Holiday Cancellation: £2,000 (optional)
Kennel or Cattery Fees: Optional
Lost or Stolen Pet: £1,000 (optional)
Lost Pet Advert & Reward: £1,000 (optional)
Put to Sleep: n/a
Third Party Liabilty: £1 million
Travel Abroad: Up to 90 days
Underwriter: Allianz Insurance

£5000
Per Year
Lifetime Cat
Dog
20% Get a Quote
More Details

Debenhams Pet Insurance

Debenhams Pet Insurance

BronzeDebenhams BronzeAccidental Damage: n/a
Complementary Treatment: Included in vet fees
Death: n/a
Dental Treatment: Accident Only
Holiday Cancellation: n/a
Kennel or Cattery Fees: n/a
Lost or Stolen Pet: n/a
Lost Pet Advert & Reward: n/a
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Up to 30 days
Underwriter: Zenith Insurance (via BDML)

£2000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

Debenhams Pet Insurance

Debenhams Pet Insurance

SilverDebenhams SilverAccidental Damage: n/a
Complementary Treatment: Included in vet fees
Death: £250
Dental Treatment: Accident Only
Holiday Cancellation: £250
Kennel or Cattery Fees: £250
Lost or Stolen Pet: £250
Lost Pet Advert & Reward: £250
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Up to 30 days
Underwriter: Zenith Insurance (via BDML)

£4000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

Debenhams Pet Insurance

Debenhams Pet Insurance

GoldDebenhams GoldAccidental Damage: £500
Complementary Treatment: Included in vet fees
Death: £750
Dental Treatment: Accident Only
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £750
Lost Pet Advert & Reward: £750
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Unlimited
Underwriter: Zenith Insurance (via BDML)

£7000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

E&L Pet Insurance

E&L Pet Insurance

SilverE&L SilverAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £1.5 million
Travel Abroad:
Underwriter: Equine and Livestock

£4000
Per Condition
Time Limited Cat
Dog
55% Get a Quote
More Details

E&L Pet Insurance

E&L Pet Insurance

GoldE&L GoldAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £1.75 million
Travel Abroad:
Underwriter: Equine and Livestock

£5000
Per Condition
Time Limited Cat
Dog
55% Get a Quote
More Details

E&L Pet Insurance

E&L Pet Insurance

DiamondE&L DiamondAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Equine and Livestock

£6000
Per Condition
Time Limited Cat
Dog
55% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Standardhelpucover StandardAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£1000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Essentialhelpucover EssentialAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£1000
Per Condition
Time Limited Cat
Dog
10% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Vitalhelpucover VitalAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£2000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Standard Plushelpucover Standard PlusAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£3000
Per Condition
Maximum Benefit Dog Only 10% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Classichelpucover ClassicAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£4000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

helpucover Pet Insurance

helpucover Pet Insurance

Premierhelpucover PremierAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £2 million
Travel Abroad:
Underwriter: Pinnacle Insurance

£6000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

John Lewis Pet Insurance

John Lewis Pet Insurance

EssentialJohn Lewis EssentialAccidental Damage: £250
Complementary Treatment: £500
Death: £500
Dental Treatment: £3,000
Holiday Cancellation: n/a
Kennel or Cattery Fees: £500
Lost or Stolen Pet: £500
Lost Pet Advert & Reward: £500
Put to Sleep: £100
Third Party Liabilty: £1 million
Travel Abroad: n/a
Underwriter: RSA

£3000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

John Lewis Pet Insurance

John Lewis Pet Insurance

PlusJohn Lewis PlusAccidental Damage: £500
Complementary Treatment: £1,000
Death: £1,000
Dental Treatment: £7,500
Holiday Cancellation: £3,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000
Lost Pet Advert & Reward: £750
Put to Sleep: £100
Third Party Liabilty: £2 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA

£7500
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

John Lewis Pet Insurance

John Lewis Pet Insurance

PremierJohn Lewis PremierAccidental Damage: £750
Complementary Treatment: £2,000
Death: £1,500
Dental Treatment: £12,000
Holiday Cancellation: £3,000
Kennel or Cattery Fees: £2,000
Lost or Stolen Pet: £1,500
Lost Pet Advert & Reward: £1,000
Put to Sleep: £100
Third Party Liabilty: £3 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA

£12000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Marks & Spencer Pet Insurance

Marks & Spencer Pet Insurance

EssentialMarks & Spencer EssentialAccidental Damage: n/a
Complementary Treatment: £500
Death: £600
Dental Treatment: Injury Only
Holiday Cancellation: n/a
Kennel or Cattery Fees: n/a
Lost or Stolen Pet: £600
Lost Pet Advert & Reward: £600 (each)
Put to Sleep: £100
Third Party Liabilty: £1 million
Travel Abroad: n/a
Underwriter: RSA

£3000
Per Condition
Time-Limited Cat
Dog
15% Get a Quote
More Details

Marks & Spencer Pet Insurance

Marks & Spencer Pet Insurance

StandardMarks & Spencer StandardAccidental Damage: n/a
Complementary Treatment: £500
Death: £600
Dental Treatment: Yes
Holiday Cancellation: n/a
Kennel or Cattery Fees: £600
Lost or Stolen Pet: £600
Lost Pet Advert & Reward: £600 (each)
Put to Sleep: £100
Third Party Liabilty: £1 million
Travel Abroad: n/a
Underwriter: RSA

£4000
Per Year
Dual Limit Cat
Dog
15% Get a Quote
More Details

Marks & Spencer Pet Insurance

Marks & Spencer Pet Insurance

PremierMarks & Spencer PremierAccidental Damage: n/a
Complementary Treatment: £1,000
Death: £1,500
Dental Treatment: Yes
Holiday Cancellation: £3,000
Kennel or Cattery Fees: £750
Lost or Stolen Pet: £1,500
Lost Pet Advert & Reward: £1,250, £750
Put to Sleep: £200
Third Party Liabilty: £2 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA

£7000
Per Year
Lifetime Cat
Dog
15% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

BasicMORE TH>N BasicAccidental Damage: £500
Complementary Treatment: £500
Death: £500
Dental Treatment: Accident Only
Holiday Cancellation: £2,000 (optional)
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000 (optional)
Lost Pet Advert & Reward: £1,000 (optional)
Put to Sleep: £150 (optional)
Third Party Liabilty: £1 million
Travel Abroad: Optional (3 trips up to 60 days each)
Underwriter: RSA (owned by)

£1500
Per Condition
Time-Limited Cat
Dog
10% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

Accident OnlyMORE TH>N Accident OnlyAccidental Damage: £500
Complementary Treatment: n/a
Death: n/a
Dental Treatment: n/a
Holiday Cancellation: n/a
Kennel or Cattery Fees: n/a
Lost or Stolen Pet: £1,000 (optional)
Lost Pet Advert & Reward: £1,000 (optional)
Put to Sleep: £150 (optional)
Third Party Liabilty: £0.5 million
Travel Abroad: n/a
Underwriter: RSA (owned by)

£2500
Per Accident
Accident-Only Cat
Dog
10% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

BasicMORE TH>N BasicAccidental Damage: £500
Complementary Treatment: £500
Death: £500
Dental Treatment: Accident Only
Holiday Cancellation: £2,000 (optional)
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000 (optional)
Lost Pet Advert & Reward: £1,000 (optional)
Put to Sleep: £150 (optional)
Third Party Liabilty: £1 million
Travel Abroad: Optional (3 trips up to 60 days each)
Underwriter: RSA (owned by)

£3000
Per Condition
Time-Limited Cat
Dog
10% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

ClassicMORE TH>N ClassicAccidental Damage: £1,000
Complementary Treatment: £1,000
Death: £1,000
Dental Treatment: Accident Only
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000
Lost Pet Advert & Reward: £1,000
Put to Sleep: £150 (optional)
Third Party Liabilty: £2 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA (owned by)

£4000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

ClassicMORE TH>N ClassicAccidental Damage: £1,000
Complementary Treatment: £1,000
Death: £1,000
Dental Treatment: Accident Only
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000
Lost Pet Advert & Reward: £1,000
Put to Sleep: £150 (optional)
Third Party Liabilty: £2 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA (owned by)

£8000
Per Condition
Maximum Benefit Cat
Dog
10% Get a Quote
More Details

MORE TH>N Pet Insurance

MORE TH>N Pet Insurance

PremierMORE TH>N PremierAccidental Damage: £2,000
Complementary Treatment: £1,500
Death: £2,000
Dental Treatment: £2,000
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £2,000
Lost Pet Advert & Reward: £1,000
Put to Sleep: £200
Third Party Liabilty: £3 million
Travel Abroad: 3 trips up to 60 days each
Underwriter: RSA (owned by)

£12000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Pet-Insurance.co.uk Pet Insurance

Pet-Insurance.co.uk Pet Insurance

StandardPet-Insurance.co.uk StandardAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £1.5 million
Travel Abroad:
Underwriter: Equine and Livestock

£4000
Per Condition
Time Limited Cat
Dog
45% Get a Quote
More Details

Pet-Insurance.co.uk Pet Insurance

Pet-Insurance.co.uk Pet Insurance

LifetimePet-Insurance.co.uk LifetimeAccidental Damage:
Complementary Treatment:
Death:
Dental Treatment:
Holiday Cancellation:
Kennel or Cattery Fees:
Lost or Stolen Pet:
Lost Pet Advert & Reward:
Put to Sleep:
Third Party Liabilty: £1.5 million
Travel Abroad:
Underwriter: Equine and Livestock

£4000
Per Year
Lifetime Cat
Dog
45% Get a Quote
More Details

Petplan Pet Insurance

Petplan Pet Insurance

EssentialPetplan EssentialAccidental Damage: n/a
Complementary Treatment: £500
Death: £1,000 (optional)
Dental Treatment: Yes
Holiday Cancellation: £1,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £1,000
Lost Pet Advert & Reward: £1,000
Put to Sleep: n/a
Third Party Liabilty: £1 million
Travel Abroad: 90 Days
Underwriter: Allianz Insurance (owned by)

£3000
Per Condition
Time-Limited Cat
Dog
10% Get a Quote
More Details

Petplan Pet Insurance

Petplan Pet Insurance

ClassicPetplan ClassicAccidental Damage: n/a
Complementary Treatment: £1,000
Death: £1,500 (optional)
Dental Treatment: Yes
Holiday Cancellation: £1,500
Kennel or Cattery Fees: £1,500
Lost or Stolen Pet: £1,500
Lost Pet Advert & Reward: £1,500
Put to Sleep: n/a
Third Party Liabilty: £2 million
Travel Abroad: 90 Days
Underwriter: Allianz Insurance (owned by)

£4000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Petplan Pet Insurance

Petplan Pet Insurance

ClassicPetplan ClassicAccidental Damage: n/a
Complementary Treatment: £1,000
Death: £1,500 (optional)
Dental Treatment: Yes
Holiday Cancellation: £1,500
Kennel or Cattery Fees: £1,500
Lost or Stolen Pet: £1,500
Lost Pet Advert & Reward: £1,500
Put to Sleep: n/a
Third Party Liabilty: £2 million
Travel Abroad: 90 Days
Underwriter: Allianz Insurance (owned by)

£7000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Petplan Pet Insurance

Petplan Pet Insurance

UltimatePetplan UltimateAccidental Damage: n/a
Complementary Treatment: £2,000
Death: £2,000
Dental Treatment: Yes
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £2,000
Lost or Stolen Pet: £2,000
Lost Pet Advert & Reward: £2,000
Put to Sleep: n/a
Third Party Liabilty: £3 million
Travel Abroad: 90 Days
Underwriter: Allianz Insurance (owned by)

£12000
Per Year
Lifetime Cat
Dog
10% Get a Quote
More Details

Protect Your Bubble Pet Insurance

Protect Your Bubble Pet Insurance

EconomyProtect Your Bubble EconomyAccidental Damage: n/a
Complementary Treatment: Included in vet fees
Death: n/a
Dental Treatment: n/a
Holiday Cancellation: n/a
Kennel or Cattery Fees: n/a
Lost or Stolen Pet: n/a
Lost Pet Advert & Reward: n/a
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Up to 30 days
Underwriter: Zenith Insurance (via BDML)

£1000
Per Condition
Time-Limited Cat
Dog
0% Get a Quote
More Details

Protect Your Bubble Pet Insurance

Protect Your Bubble Pet Insurance

StandardProtect Your Bubble StandardAccidental Damage: n/a
Complementary Treatment: Included in vet fees
Death: £250
Dental Treatment: n/a
Holiday Cancellation: £250
Kennel or Cattery Fees: £250
Lost or Stolen Pet: £250
Lost Pet Advert & Reward: £250
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Up to 30 days
Underwriter: Zenith Insurance (via BDML)

£4000
Per Condition
Maximum Benefit Cat
Dog
0% Get a Quote
More Details

Protect Your Bubble Pet Insurance

Protect Your Bubble Pet Insurance

PremierProtect Your Bubble PremierAccidental Damage: £500
Complementary Treatment: Included in vet fees
Death: £750
Dental Treatment: Yes (after 2 years, or accident)
Holiday Cancellation: £2,000
Kennel or Cattery Fees: £1,000
Lost or Stolen Pet: £750
Lost Pet Advert & Reward: £750
Put to Sleep: PTS only
Third Party Liabilty: £1 million
Travel Abroad: Unlimited
Underwriter: Zenith Insurance (via BDML)

£7500
Per Condition
Maximum Benefit Cat
Dog
0% Get a Quote
More Details

* Online Discounts are only applicable in the first year of a pet insurance policy, and do not apply for renewals.

Why buy pet insurance?

A pet is part of your family, so when your four-legged friend becomes ill or is injured, you want them to get the best care. Unfortunately, a trip to the vet can be very expensive with some treatments costing thousands of pounds, and an already stressful situation can be made far worse if you don’t have the funds available to pay to get your pet treated.

One solution is to invest in pet insurance, to give you peace of mind that your pet could be treated if needed without you getting an expensive and unexpected bill.

What are the different types of pet insurance?

There are 4 different types of pet insurance - Accident Only, Time Limited, Maximum Benefit and Lifetime.

Accident Only - this type of policy is not very common, and as the name suggests only provides cover if your pet is injured in an accident. It doesn’t provide any cover for illnesses so these policies aren’t really recommended for most people.

Time Limited - this is the cheapest type of pet insurance that covers illnesses, and will pay out until you reach the vet fees limit, or 12 months from when the condition started. Once you reach this point, you won’t be able to claim again for that condition even if you renew the policy.

Maximum Benefit - these policies will allow you to claim for treatment over any length of time as long as you continue renewing the policy, up to the claim limit per condition.

Lifetime - this is the top tier of pet insurance, and is usually the most expensive too. These policies will pay out up to the claim limit per year, however unlike the Maximum Benefit policies, the claim limits are reset each year.

How much does pet insurance cost?

Pet insurance premiums can vary greatly, and the cost is determined by several factors. The type of animal, breed, age, and location are all taken into consideration by pet insurance providers, and will make a difference to the cost, and also the excess that you pay in some cases.

The cost of a pet insurance policy can vary from as little as £6 per month, and can go into the £100s in some cases.

How to get cheaper pet insurance?

If you are looking to buy a pet, then it’s worth doing some research to see whether particular breeds are prone to certain medical conditions, as this could make them more expensive to insure.

If you have more than one pet, then it may be cheaper to take out a multi-pet policy as these offer discounts for multiple pets. It is worth getting quotes for single pet policies from different insurers though, as this may work out cheaper than a single provider even with their discount.

Use the pet insurance search facility above to find policies that offer the cover you want, so you don’t end up paying extra for a policy that provides more cover than you need.

What does pet insurance cover?

Pet insurance doesn’t just cover cats and dogs - you can also get cover for smaller pets such as rabbits, and larger animals like horses.

A typical pet insurance policy would include cover for:

Vet fees for treating illness or injuries
Boarding fees for kennels or catteries if you have to spend time in hospital
3rd Party Liability if your pet causes accidental damage to a 3rd party (dog insurance policies only)
Advertising and offering a reward if your pet is lost or stolen

Some pet insurance also covers vet fees if you are abroad, and will pay out if you have to cancel a holiday due to your pet being injured or ill.

Most pet insurance will exclude cover for the following:

Pre-existing conditions
Routine and preventative treatments (e.g., vaccinations and flea or worming treatments)
Behavioural problems
Dogs registered under the Dangerous Dogs Act, or used for racing, commercial breeding, or security purposes


Please note that the pet insurance information on this site is for information only, and we take no responsibility for any decision you make to purchase as the information may have been superseded. You are advised to check the current Terms and Conditions before taking out any policy - these are available on the Pet Insurance company's website.

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