Pet Insurance

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Pet Insurance Basics

Taking out pet insurance for your cat or dog can be rather confusing, and sometimes it can be difficult to compare pet insurance policies to find out which is the best one for your needs. Our Pet Insurance Buying Guide aims to help explain what it's all about. However, if you don’t have time to read through that 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.

Other less common policy types can include Fixed for Life policies, where you pay a fixed fee for the duration of the policy, and policies that cover pre-existing conditions, such as the Champ policies from Scratch & Patch. 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.

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Search for and compare 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.

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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 pet insurance policies side-by-side, simply select any two 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 Discount
Admiral Pet Insurance	ValueAdmiral ValueAccidental 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 million Travel Abroad: Underwriter: HDI Global Specialty SE	£2000 Per Condition	Time Limited	Cat Dog	0%	Get a Quote More Details
Admiral Pet Insurance	ClassicAdmiral 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: £1 million Travel Abroad: Underwriter: HDI Global Specialty SE	£2500 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Admiral Pet Insurance	StandardAdmiral 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: HDI Global Specialty SE	£2500 Per Condition	Maximum Benefit	Cat Dog	0%	Get a Quote More Details
Admiral Pet Insurance	Accident OnlyAdmiral Accident OnlyAccidental 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 million Travel Abroad: Underwriter: HDI Global Specialty SE	£3500 Per Condition	Accident Only	Cat Dog	0%	Get a Quote More Details
Admiral Pet Insurance	PremierAdmiral 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: HDI Global Specialty SE	£5000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Admiral Pet Insurance	Premier PlusAdmiral Premier 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: HDI Global Specialty SE	£10000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Basic PlusAnimal Friends Basic 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: £1.5 million Travel Abroad: Underwriter: Red Sands Insurance Company	£1000 Per Condition	Time Limited	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Max ValueAnimal Friends Max ValueAccidental 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: Red Sands Insurance Company	£1000 Per Condition	Maximum Benefit	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	PrimeAnimal Friends PrimeAccidental 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: Red Sands Insurance Company	£2000 Per Condition	Time Limited	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Max PlusAnimal Friends Max 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: £1.75 million Travel Abroad: Underwriter: Red Sands Insurance Company	£2000 Per Condition	Maximum Benefit	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Accident OnlyAnimal Friends Accident OnlyAccidental 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: Travel Abroad: Underwriter: Red Sands Insurance Company	£2500 Per Condition	Accident Only	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Lifetime AssureAnimal Friends Lifetime AssureAccidental 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: Red Sands Insurance Company	£3000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Prime PlusAnimal Friends Prime 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: Travel Abroad: Underwriter: Red Sands Insurance Company	£4000 Per Condition	Time Limited	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Max ExtraAnimal Friends Max ExtraAccidental 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: Travel Abroad: Underwriter: Red Sands Insurance Company	£4000 Per Condition	Maximum Benefit	Cat Dog	0%	Get a Quote More Details
Animal Friends Pet Insurance	Lifetime Assure PlusAnimal Friends Lifetime Assure 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: Travel Abroad: Underwriter: Red Sands Insurance Company	£5000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
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	£2500 Per Year	Time Limited	Cat Dog	0%	Get a Quote More Details
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	£4000 Per Year	Time Limited	Cat Dog	0%	Get a Quote More Details
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	£7000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
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	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
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	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	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
ManyPets Pet Insurance	ValueManyPets ValueAccidental Damage: n/a Complementary Treatment: £500 Death: n/a Dental Treatment: Accident Only Holiday Cancellation: n/a Kennel or Cattery Fees: £100 Lost or Stolen Pet: n/a Lost Pet Advert & Reward: £200 Put to Sleep: £150 Third Party Liabilty: £1 million Travel Abroad: n/a Underwriter: Great Lakes Insurance SE	£3000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
ManyPets Pet Insurance	RegularManyPets RegularAccidental Damage: n/a Complementary Treatment: £1,000 Death: Optional (£1,500) Dental Treatment: Accident Only Holiday Cancellation: Optional (£1,000) Kennel or Cattery Fees: £1,500 Lost or Stolen Pet: Optional (£1,500) Lost Pet Advert & Reward: £1,500 Put to Sleep: £150 Third Party Liabilty: £2 million Travel Abroad: 90 days Underwriter: Great Lakes Insurance SE	£7000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
ManyPets Pet Insurance	Pre-existingManyPets Pre-existingAccidental Damage: n/a Complementary Treatment: £1,000 Death: Optional (£1,500) Dental Treatment: Accident Only Holiday Cancellation: £1,000 Kennel or Cattery Fees: £1,500 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £1,500 Put to Sleep: £150 Third Party Liabilty: £2 million Travel Abroad: 90 days Underwriter: Great Lakes Insurance SE	£7000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
ManyPets Pet Insurance	CompleteManyPets CompleteAccidental Damage: n/a Complementary Treatment: £2,500 Death: £6,000 Dental Treatment: Yes Holiday Cancellation: £2,500 Kennel or Cattery Fees: £2,000 Lost or Stolen Pet: £6,000 Lost Pet Advert & Reward: £6,000 Put to Sleep: £150 Third Party Liabilty: £3 million Travel Abroad: 90 days Underwriter: Great Lakes Insurance SE	£15000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
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	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	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	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	£1500 Per Condition	Time Limited	Cat Dog	25%	Get a Quote More Details
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	£2500 Per Accident	Accident Only	Cat Dog	25%	Get a Quote More Details
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	£3000 Per Condition	Time Limited	Cat Dog	25%	Get a Quote More Details
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	£4000 Per Condition	Maximum Benefit	Cat Dog	25%	Get a Quote More Details
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	£4000 Per Year	Lifetime	Cat Dog	25%	Get a Quote More Details
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	£8000 Per Condition	Maximum Benefit	Cat Dog	25%	Get a Quote More Details
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	£12000 Per Year	Lifetime	Cat Dog	25%	Get a Quote More Details
petGuard Pet Insurance	Accident OnlypetGuard Accident OnlyAccidental 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: Travel Abroad: Underwriter: Covea Insurance plc	£3000 Per Year	Accident Only	Cat Dog	20%	Get a Quote More Details
petGuard Pet Insurance	LifetimepetGuard 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: £2 million Travel Abroad: Underwriter: Covea Insurance plc	£3000 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
petGuard Pet Insurance	Accident OnlypetGuard Accident OnlyAccidental 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: Travel Abroad: Underwriter: Covea Insurance plc	£6000 Per Year	Accident Only	Cat Dog	20%	Get a Quote More Details
petGuard Pet Insurance	LifetimepetGuard 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: £2 million Travel Abroad: Underwriter: Covea Insurance plc	£6000 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
petGuard Pet Insurance	Accident OnlypetGuard Accident OnlyAccidental 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: Covea Insurance plc	£12000 Per Year	Accident Only	Cat Dog	20%	Get a Quote More Details
petGuard Pet Insurance	LifetimepetGuard 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: Travel Abroad: Underwriter: Covea Insurance plc	£12000 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
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	£3000 Per Condition	Time Limited	Cat Dog	10%	Get a Quote More Details
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	£4000 Per Year	Lifetime	Cat Dog	10%	Get a Quote More Details
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	£7000 Per Year	Lifetime	Cat Dog	10%	Get a Quote More Details
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	£12000 Per Year	Lifetime	Cat Dog	10%	Get a Quote More Details
Sainsbury's Pet Insurance	StandardSainsbury's 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 million Travel Abroad: Underwriter: Allianz Insurance	£3000 Per Condition	Time Limited	Cat Dog	25%	Get a Quote More Details
Sainsbury's Pet Insurance	PremierSainsbury's 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: Allianz Insurance	£7500 Per Condition	Maximum Benefit	Cat Dog	25%	Get a Quote More Details
Sainsbury's Pet Insurance	Premier PlusSainsbury's Premier 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: Allianz Insurance	£13000 Per Condition	Maximum Benefit	Cat Dog	25%	Get a Quote More Details
Scratch & Patch Pet Insurance	BronzeScratch & Patch BronzeAccidental 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 million Travel Abroad: Underwriter: HDI Global Specialty SE	£2250 Per Condition	Accident Only	Cat Dog	0%	Get a Quote More Details
Scratch & Patch Pet Insurance	PrimeScratch & Patch PrimeAccidental 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: HDI Global Specialty SE	£2500 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Scratch & Patch Pet Insurance	SilverScratch & Patch 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 million Travel Abroad: Underwriter: HDI Global Specialty SE	£3000 Per Condition	Time Limited	Cat Dog	0%	Get a Quote More Details
Scratch & Patch Pet Insurance	PremierScratch & Patch PremierAccidental Damage: £500 Complementary Treatment: £750 Death: £1,500 Dental Treatment: Yes Holiday Cancellation: £1,500 Kennel or Cattery Fees: £1,000 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £1,500 Put to Sleep: Yes Third Party Liabilty: £1.5 million Travel Abroad: Yes Underwriter: HDI Global Specialty SE	£4000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Scratch & Patch Pet Insurance	GoldScratch & Patch 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: £1.5 million Travel Abroad: Underwriter: HDI Global Specialty SE	£4000 Per Condition	Maximum Benefit	Cat Dog	0%	Get a Quote More Details
Scratch & Patch Pet Insurance	Premier PlusScratch & Patch Premier PlusAccidental Damage: £750 Complementary Treatment: £1,000 Death: £1,500 Dental Treatment: Yes Holiday Cancellation: £2,500 Kennel or Cattery Fees: £1,000 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £1,500 Put to Sleep: Yes Third Party Liabilty: £2 million Travel Abroad: Yes Underwriter: HDI Global Specialty SE	£8000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	EssentialsSwinton Pet EssentialsAccidental 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 million Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£2000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	ClassicSwinton Pet 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: £1 million Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£2000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	EssentialsSwinton Pet EssentialsAccidental 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 million Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£4000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	ClassicSwinton Pet 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: £1 million Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£4000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	EssentialsSwinton Pet EssentialsAccidental 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 million Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£7000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Swinton Pet Pet Insurance	ClassicSwinton Pet 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: Travel Abroad: Underwriter: Cranbrook Underwriting Limited	£7000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
The Insurance Emporium Pet Insurance	BronzeThe Insurance Emporium BronzeAccidental Damage: £700 Complementary Treatment: Included in vet fees Death: £1,000 Dental Treatment: Injury Only Holiday Cancellation: £1,250 Kennel or Cattery Fees: £750 Lost or Stolen Pet: £1,000 Lost Pet Advert & Reward: £750 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£1500 Per Condition	Time Limited	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	BronzeThe Insurance Emporium BronzeAccidental Damage: £700 Complementary Treatment: Included in vet fees Death: £1,000 Dental Treatment: Injury Only Holiday Cancellation: £1,250 Kennel or Cattery Fees: £750 Lost or Stolen Pet: £1,000 Lost Pet Advert & Reward: £750 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£2000 Per Condition	Maximum Benefit	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	BronzeThe Insurance Emporium BronzeAccidental Damage: £700 Complementary Treatment: Included in vet fees Death: £1,000 Dental Treatment: Injury Only Holiday Cancellation: £1,250 Kennel or Cattery Fees: £750 Lost or Stolen Pet: £1,000 Lost Pet Advert & Reward: £750 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£2500 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	SilverThe Insurance Emporium SilverAccidental Damage: £750 Complementary Treatment: Included in vet fees Death: £1,250 Dental Treatment: Injury Only Holiday Cancellation: £1,500 Kennel or Cattery Fees: £1,000 Lost or Stolen Pet: £1,250 Lost Pet Advert & Reward: £800 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£4000 Per Condition	Time Limited	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	SilverThe Insurance Emporium SilverAccidental Damage: £750 Complementary Treatment: Included in vet fees Death: £1,250 Dental Treatment: Injury Only Holiday Cancellation: £1,500 Kennel or Cattery Fees: £1,000 Lost or Stolen Pet: £1,250 Lost Pet Advert & Reward: £800 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£4500 Per Condition	Maximum Benefit	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	SilverThe Insurance Emporium SilverAccidental Damage: £750 Complementary Treatment: Included in vet fees Death: £1,250 Dental Treatment: Injury Only Holiday Cancellation: £1,500 Kennel or Cattery Fees: £1,000 Lost or Stolen Pet: £1,250 Lost Pet Advert & Reward: £800 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£5000 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	GoldThe Insurance Emporium GoldAccidental Damage: £800 Complementary Treatment: Included in vet fees Death: £1,500 Dental Treatment: Injury Only Holiday Cancellation: £1,750 Kennel or Cattery Fees: £1,250 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £850 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£6000 Per Condition	Time Limited	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	GoldThe Insurance Emporium GoldAccidental Damage: £800 Complementary Treatment: Included in vet fees Death: £1,500 Dental Treatment: Injury Only Holiday Cancellation: £1,750 Kennel or Cattery Fees: £1,250 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £850 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£7500 Per Condition	Maximum Benefit	Cat Dog	20%	Get a Quote More Details
The Insurance Emporium Pet Insurance	GoldThe Insurance Emporium GoldAccidental Damage: £800 Complementary Treatment: Included in vet fees Death: £1,500 Dental Treatment: Injury Only Holiday Cancellation: £1,750 Kennel or Cattery Fees: £1,250 Lost or Stolen Pet: £1,500 Lost Pet Advert & Reward: £850 Put to Sleep: £200 (optional) Third Party Liabilty: £1.5 million Travel Abroad: Up to 100 days in Europe Underwriter: Equine and Livestock	£8000 Per Year	Lifetime	Cat Dog	20%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: £2 million Travel Abroad: Underwriter: Red Sands Insurance Company	£1000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: £2 million Travel Abroad: Underwriter: Red Sands Insurance Company	£2000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: £2 million Travel Abroad: Underwriter: Red Sands Insurance Company	£4000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: £2 million Travel Abroad: Underwriter: Red Sands Insurance Company	£6000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: £2 million Travel Abroad: Underwriter: Red Sands Insurance Company	£8000 Per Year	Lifetime	Cat Dog	0%	Get a Quote More Details
Waggel Pet Insurance	LifetimeWaggel 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: Travel Abroad: Underwriter: Red Sands Insurance Company	£10000 Per Year	Lifetime	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.