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Compare Pet Insurance quotes from 15+ major UK Insurers.

What does Pet Insurance include?

Pet insurance provides financial coverage for unexpected veterinary expenses related to your pet’s health, such as injuries or illnesses.

Selecting the right policy is crucial. It’s important to keep in mind that many new policies exclude pre-existing medical conditions from coverage. Thus, choosing the right insurance from the outset is the key to ensuring your pet’s protection. 

Comprehensive plans often include:

How much is Pet Insurance?

The cost of pet insurance can vary based on several unique factors related to your individual pet. Each policy is tailored to the specific circumstances. To obtain a precise figure for your insurance, compare quotes below.

The following are some factors that affect Pet Insurance premiums in the UK:

Pet’s Age

The age of your pet plays a crucial role in determining insurance costs. Generally, insuring your pet while it is young tends to be more affordable.

Pet’s Species

The type of pet you have, whether it’s a dog, cat, rabbit, or another species, will impact the insurance premium.

Pet’s Breed

The breed of your pet can also affect insurance rates, as some breeds may be more prone to specific health issues.

Coverage Level

The extent of coverage you choose to include in your policy will influence the cost. More comprehensive coverage typically comes with higher premiums.


Your location can impact insurance rates, as veterinary costs may vary in different regions.

Types of Pet Insurance.

Choosing the right type of policy depends on your budget, your pet’s health needs, and your long-term plans for insurance coverage. Here are four primary levels of insurance available in the UK:

Accident Only

Accident only covers medical expenses incurred if your pet is injured in an accident. It tends to be the most affordable option but does not cover illnesses. Some accident-only policies may limit the total payout for a single accident, while others might have a time limit for coverage after the injury.

Per Condition

Per condition cover typically sets a limit on the total amount they will pay out for a specific medical condition. This limit could be a monetary amount or cover the condition for a certain duration following diagnosis. It can be a cost-effective choice but check the per-condition limits before purchasing, as cheaper policies may have lower limits.

Annual Pet Insurance

Unlike lifetime insurance, annual policies offer the flexibility to switch insurance providers, but keep in mind that each new policy may become more expensive as your pet ages. Additionally, previously diagnosed conditions are usually considered "pre-existing" and won't be covered under a new policy.

Lifetime Pet Cover

Lifetime insurance is the most comprehensive option. If your pet doesn't have pre-existing medical conditions when you first enrol, you're typically covered for most types of illnesses up to a maximum annual payout amount. These policies are also known as annual benefit policies, as they have a per condition limit that renews annually with the policy.

It’s important to carefully review the terms and conditions of each policy to ensure it aligns with your expectations and provides the necessary coverage for your pet’s well-being.

How can I get Cheap Pet Insurance?

As previously mentioned, ensuring your pet is up to date with vaccinations and booster shots can contribute to reducing the cost of insuring your beloved companion. Additionally, having your cat or dog neutered can be a cost-saving measure. Furthermore, there are additional steps you can take to enhance the chances of finding more affordable insurance:


 Keep your cat or dog indoors

House cats and dogs typically have a lower risk of being stolen or running away, which can lead to lower insurance premiums.

Consider multi-pet insurance

Insuring multiple animals under a single multi-pet insurance policy often proves to be more economical than ensuring each pet individually.

Opt for a higher excess 

Particularly when your cat or dog is young and healthy, choosing a higher excess can help reduce your insurance premium costs.

Explore accident only pet insurance

If comprehensive coverage is financially challenging, accident only cover may be a suitable option for young, healthy pets.


What our customers say.

Frequently Asked Questions.

Can’t find what you’re looking for?

Third-party liability pet insurance is coverage that protects you if your dog unintentionally causes harm or damages someone’s property, or pet. It can include covering legal expenses if you’re taken to court due to an incident involving your dog. However, it’s important to note that third-party liability insurance typically does not apply to cats, as they are legally considered independent creatures.

Co-insurance is a feature included in some policies. If you file a claim, you may be responsible for paying a percentage of the remaining vet fees after the deductible has been subtracted.

Pet insurance doesn’t cover the cost of pet vaccinations, but keeping your vaccinations up to date might get you a discount on your premiums with some policies. If your pet isn’t vaccinated, and you need to make a related claim, your insurance probably won’t cover the cost of treatment.

Yes, you can but you’ll need multi-pet insurance to cover them on the same policy and you’ll usually get a discount for it. But compare quotes for insuring your dogs separately on their own policies as well, as sometimes it’ll work out cheaper.

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