Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Star
Use code 'NAPO5' for 5% discount on policies
*Dental cover includes tartar removal and extractions. Treatments must be prescribed and performed by a registered vet.
**Pre-existing conditions are covered if your pet hasn’t had symptoms, treatment, medication, or advice for it in the last 24 months.
Moneyfacts Star Rating: 5 Stars
Highly Commended in the 2021 Moneyfacts Consumer Awards
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Moneyfacts Star Rating: 5 Stars
Get a £30 Amazon.co.uk Gift card T&Cs apply.
We were named Pet Insurance Provider of the Year at the 2022 Moneyfacts Consumer Awards
✅ Get £15,000 of vet fee cover that includes dental and behavioural treatment with our Complete policy.
✅ Unlimited 24/7 digital vet service to put your mind at rest
✅ Cover for conditions that ended at least two years ago, plus a policy that can cover pre-existing conditions
✅ Pay up to 20% of your policy back if you don't need to claim with our MoneyBack option
✅ ManyPets customers get 2 months of Flea, tick and worm plan for free
✅ Access to exclusive offers worth up to £500 to give your pet love
Previously known as Bought By Many
*when you buy a new MP dog or cat insurance policy and the policy remains active or 45 days after the date the policy starts. Full T&Cs here.
T&Cs apply
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
Every policy comes with free pet training from world-leading experts, 24/7 vet helpline, online pet trainer support and up to 50% discounts on pet food, toys.
Moneyfacts Star Rating: 4 Stars
Moneyfacts Star Rating: 5 Stars
We pay 98%* of claims.
Get peace of mind with Post Office Pet Insurance with vet fee cover up to £7,000 per policy year on cat & dog policies, and unlimited access to our 24-hour vet helpline, live chat and video. Plus, cover for local advertising and reward should your pet be lost or stolen. Personalised quotes available now - benefit from multi-pet discount if you insure more than one pet.
*Based on Pinnacle Insurance pls Claims Data from 09/2020 to 09/2021.
Moneyfacts Star Rating: 5 Stars
Swinton Pet Insurance allows you to cover your beloved cats and dogs against illness, accident or injury for up to £7,000 cover. Basic plans will include medical aid such as MRI scans and dental procedures, while more comprehensive plans will cover you for holiday cancellations due to a pet illness, accidental damage or a reward if your pet goes missing.
Having pet insurance in place not only provides essential financial cover for the unexpected but also provides peace of mind that you won't be caught short if something were to happen to your fluffy family member! But, why choose Swinton?
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
Our pet insurance gives you a choice of 5 levels of cover to meet your needs, with a mixture of Lifetime and Time Limited policies available.
Lifetime options:
Time Limited options:
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
*MORE THAN data from February 2022 to January 2023
Moneyfacts Star Rating: 5 Stars
Moneyfacts Star Rating: 5 Stars
Insuring through Healthy Pets means your pets are covered through one of the longest-standing and most well - established Pet Insurance Specialists. Plus, with Healthy Pets you can.
Moneyfacts Star Rating: 4 Stars
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DisclaimerThe list of pet insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.
The many factors we look at to determine star ratings include:
Moneyfacts is recognised by both customers and providers as the go-to place for accurate insight and impartial evaluation of pet insurance policies. The straight-forward five-star ratings system is a simple and effective way for consumers to compare products and providers.
Only those pet insurance policies that deliver the best in terms of both features and benefits can expect to receive our Four and Five Star Ratings. Customers choosing from products that are awarded one of these ratings can be sure they are buying the best cover on the market.
Click the headings below to see the full list of star ratings awarded.
4Paws Pet Insurance - Lifetime £12,000
4Paws Pet Insurance - Lifetime £7,000
4Paws Pet Insurance - Lifetime 30% £12,000
4Paws Pet Insurance - Lifetime 30% £7,000
Admiral - Platinum
Ageas - Extra
Ageas - Ultra
Agria Pet Insurance - Agria Lifetime
Agria Pet Insurance - Agria Lifetime Plus
Animal Friends - Assure Plus
Animal Friends - Lifetime £10,000
Animal Friends - Lifetime £18,000
Animal Friends - Prestige
Argos - Lifetime £7,000
Argos - Maximum Benefit £5,000
ASDA Money - Lifetime £10,000
ASDA Money - Lifetime £4,000
ASDA Money - Lifetime £6,000
ASDA Money - Lifetime £8,000
Club Care Insurance - Lifetime £12,000
Confidas - Pet Lux
Confidas - Pet Max
Co-op Insurance - Lifetime £10,000
Co-op Insurance - Lifetime £16,000
Co-op Insurance - Lifetime £7,500
Direct Line - Advanced Cover
Direct Line - Select Premier Pet Insurance
Everypaw - Lifetime Everypaw £10k
Everypaw - Lifetime Everypaw £4k
Everypaw - Lifetime Everypaw £6k
Everypaw - Lifetime Everypaw £8k
Everypaw - Maximum Benefit Everypaw £5k
Insureyourpaws.co.uk - Lifetime £10,000
Insureyourpaws.co.uk - Lifetime £5,000
Insureyourpaws.co.uk - Lifetime £7,500
Itch Insure - Lifetime £2,000
Itch Insure - Lifetime £4,000
Itch Insure - Lifetime £7,000
John Lewis - Lifetime £12,000
John Lewis - Lifetime £2,000
John Lewis - Lifetime £3,000
John Lewis - Lifetime £5,000
John Lewis - Lifetime £7,500
John Lewis - Lifetime £9,000
Leisure Guard - Accident & Illness £12,000
Leisure Guard - Accident & Illness £6,000
LV= - Lifetime £10,000
LV= - Lifetime £3,000
LV= - Lifetime £5,000
LV= - Time Limited £1,500
LV= - Time Limited £2,500
M&S Bank - Premier
ManyPets - Complete
ManyPets - MoneyBack
ManyPets - Pre-Existing
ManyPets - Regular £5,000
ManyPets - Regular £7,000
MiPet Cover - 365Flex £5,000
MiPet Cover - LifetimeFlex £10,000
MiPet Cover - LifetimeFlex £12,000
MiPet Cover - LifetimeFlex £2,000
MiPet Cover - LifetimeFlex £4,000
MiPet Cover - LifetimeFlex £6,000
MiPet Cover - LifetimeFlex £8,000
MORE TH>N - Classic £4,000
MORE TH>N - Classic £8,000
MORE TH>N - Premier £1,000
MORE TH>N - Premier £2,000
MORE TH>N - Premier £4,000
MORE TH>N - Premier £6,000
Napo Pet Insurance - Advanced
Napo Pet Insurance - Harmony
Napo Pet Insurance - Serenity
NatWest - Premier Pet Insurance
PDSA - Lifetime £2,000
PDSA - Lifetime £3,000
PDSA - Lifetime £4,000
PDSA - Lifetime £5,000
PDSA - Lifetime £8,000
Perfect Pet Insurance - Elite Extra Plus
Petguard - Accident & Illness £12,000
Petguard - Accident & Illness £3,000
Petguard - Accident & Illness £6,000
Petplan - Classic
Petplan - Classic +
Petplan - Ultimate
Pets in a Pickle - Lifetime Cover
Petsure - Lifetime Cover £1,000
Petsure - Lifetime Cover £10,000
Petsure - Lifetime Cover £15,000
Petsure - Lifetime Cover £3,000
Petsure - Lifetime Cover £5,000
Petsure - Lifetime Cover £7,500
PETtrac - Accident & Illness £12,000
PETtrac - Accident & Illness £3,000
PETtrac - Accident & Illness £6,000
Petwise - Lifetime £10,000
Petwise - Lifetime £4,000
Petwise - Lifetime £6,000
Petwise - Lifetime £8,000
Post Office - Lifetime £7K
Purely Pets - Lifetime Gold
Purely Pets - Lifetime Silver
Revolut - Gold
Royal Bank of Scotland - Premier Pet Insurance
RSPCA Pet Insurance - Gold
RSPCA Pet Insurance - Platinum
RSPCA Pet Insurance - Silver
Saga - Super
Sainsbury's Bank - Lifetime £10,000
Sainsbury's Bank - Lifetime £2,500
Sainsbury's Bank - Lifetime £5,000
Sainsbury's Bank - Lifetime £7,500
Sainsbury's Bank - Maximum Benefit £3,000
Sainsbury's Bank - Maximum Benefit £6,000
Swinton - Classic £4,000
Swinton - Classic £7,000
Tesco Bank - Extra £4,000
Tesco Bank - Extra £7,500
Tesco Bank - Premier £10,000
Tesco Bank - Premier £2,000
Tesco Bank - Premier £4,000
Tesco Bank - Premier £7,500
Tesco Bank - Standard
The Insurance Emporium - Lifetime Bronze Annual
The Insurance Emporium - Lifetime Bronze Monthly
The Insurance Emporium - Lifetime Gold Annual
The Insurance Emporium - Lifetime Gold Monthly
The Insurance Emporium - Lifetime Silver Annual
The Insurance Emporium - Lifetime Silver Monthly
The Insurance Emporium - Maximum Benefit Bronze Monthly
The Insurance Emporium - Maximum Benefit Gold Annual
The Insurance Emporium - Maximum Benefit Gold Monthly
The Insurance Emporium - Maximum Benefit Silver Annual
The Insurance Emporium - Maximum Benefit Silver Monthly
The Insurance Emporium - Time Limited Bronze Monthly
The Insurance Emporium - Time Limited Gold Annual
The Insurance Emporium - Time Limited Gold Monthly
The Insurance Emporium - Time Limited Silver Annual
The Insurance Emporium - Time Limited Silver Monthly
Vetsure - Premier
Vetsure - Premier +£1k Top Up
Vetsure - Premier +£2k Top Up
Vetsure - Premier Plus
Vetsure - Premier Plus +£1k Top Up
Vetsure - Premier Plus +£2k Top Up
4Paws Pet Insurance - Lifetime £4,000
4Paws Pet Insurance - Lifetime 30% £4,000
4Paws Pet Insurance - Maximum Benefit £7,000
4Paws Pet Insurance - Maximum Benefit 30% £7,000
Admiral - Extra
Admiral - Gold
Admiral - Silver
Ageas - Classic
Agria Pet Insurance - Agria Home Cat Lifetime Plus
Animal Friends - Max Extra
Animal Friends - Superior
Animal Friends - Superior Plus
Argos - Lifetime £1,000
Argos - Lifetime £3,500
Argos - Time Limited £4,000
ASDA Money - Lifetime £2,000
ASDA Money - Time Limited £5,000
Club Care Insurance - Lifetime £7,000
Club Care Insurance - Maximum Benefit £7,000
Co-op Insurance - Lifetime £5,000
Co-op Insurance - Time Limited £5,000
Direct Line - Essential Cover
Everypaw - Lifetime Everypaw £1k
Everypaw - Lifetime Everypaw £2k
Everypaw - Maximum Benefit Everypaw £3k
Healthy Pets Insurance - Gold
Healthy Pets Insurance - Premier
helpucover - Premier
Insureyourpaws.co.uk - Maximum Benefit £5,000
Insureyourpaws.co.uk - Maximum Benefit £6,000
Leisure Guard - Accident & Illness £3,000
MORE TH>N - Basic £3,000
Napo Pet Insurance - Essential
Perfect Pet Insurance - Elite Extra
Pet-insurance.co.uk - Lifetime Lunar Monthly
Pet-insurance.co.uk - Lifetime Yearly
Pet-insurance.co.uk - Standard Lunar Monthly
Petplan - Essential
Petwise - Lifetime £2,000
Petwise - Time Limited £4,000
Purely Pets - Lifetime Bronze
Revolut - Silver
Sainsbury's Bank - Time Limited £3,000
Scratch & Patch - Premier Plus
Swinton - Classic £2,000
The Insurance Emporium - Maximum Benefit Bronze Annual
The Insurance Emporium - Time Limited Bronze Annual
VetsMediCover - Diamond
4Paws Pet Insurance - Lifetime £12,000
4Paws Pet Insurance - Lifetime £7,000
4Paws Pet Insurance - Lifetime 30% £12,000
4Paws Pet Insurance - Lifetime 30% £7,000
Admiral - Gold
Admiral - Platinum
Ageas - Ultra
Agria Pet Insurance - Agria Lifetime
Agria Pet Insurance - Agria Lifetime Plus
Animal Friends - Assure Plus
Animal Friends - Lifetime £10,000
Animal Friends - Lifetime £18,000
Animal Friends - Prestige
Animal Friends - Superior Plus
Argos - Lifetime £7,000
Argos - Maximum Benefit £5,000
ASDA Money - Lifetime £10,000
ASDA Money - Lifetime £6,000
ASDA Money - Lifetime £8,000
Club Care Insurance - Lifetime £12,000
Confidas - Pet Lux
Confidas - Pet Max
Co-op Insurance - Lifetime £10,000
Co-op Insurance - Lifetime £16,000
Co-op Insurance - Lifetime £5,000
Co-op Insurance - Lifetime £7,500
Direct Line - Advanced Cover
Direct Line - Select Premier Pet Insurance
Everypaw - Lifetime Everypaw £10k
Everypaw - Lifetime Everypaw £4k
Everypaw - Lifetime Everypaw £6k
Everypaw - Lifetime Everypaw £8k
Insureyourpaws.co.uk - Lifetime £10,000
Insureyourpaws.co.uk - Lifetime £5,000
Insureyourpaws.co.uk - Lifetime £7,500
Itch Insure - Lifetime £4,000
Itch Insure - Lifetime £7,000
John Lewis - Lifetime £12,000
John Lewis - Lifetime £2,000
John Lewis - Lifetime £3,000
John Lewis - Lifetime £5,000
John Lewis - Lifetime £7,500
John Lewis - Lifetime £9,000
Kennel Club Pet Insurance - Kennel Club Lifetime
Kennel Club Pet Insurance - Kennel Club Lifetime Plus
Leisure Guard - Accident & Illness £12,000
Leisure Guard - Accident & Illness £6,000
LV= - Lifetime £10,000
LV= - Lifetime £3,000
LV= - Lifetime £5,000
LV= - Time Limited £1,500
LV= - Time Limited £2,500
M&S Bank - Premier
ManyPets - Complete
ManyPets - MoneyBack
ManyPets - Pre-Existing
ManyPets - Regular £5,000
ManyPets - Regular £7,000
MiPet Cover - 365Flex £5,000
MiPet Cover - LifetimeFlex £10,000
MiPet Cover - LifetimeFlex £12,000
MiPet Cover - LifetimeFlex £4,000
MiPet Cover - LifetimeFlex £6,000
MiPet Cover - LifetimeFlex £8,000
MORE TH>N - Classic £4,000
MORE TH>N - Classic £8,000
MORE TH>N - Premier £1,000
MORE TH>N - Premier £2,000
MORE TH>N - Premier £4,000
MORE TH>N - Premier £6,000
Napo Pet Insurance - Advanced
Napo Pet Insurance - Essential
Napo Pet Insurance - Harmony
Napo Pet Insurance - Serenity
NatWest - Premier Pet Insurance
PDSA - Lifetime £3,000
PDSA - Lifetime £4,000
PDSA - Lifetime £5,000
PDSA - Lifetime £8,000
Perfect Pet Insurance - Elite Extra Plus
Petguard - Accident & Illness £12,000
Petguard - Accident & Illness £3,000
Petguard - Accident & Illness £6,000
Petplan - Classic
Petplan - Classic +
Petplan - Ultimate
Pets in a Pickle - Lifetime Cover
Petsure - Lifetime Cover £1,000
Petsure - Lifetime Cover £10,000
Petsure - Lifetime Cover £15,000
Petsure - Lifetime Cover £3,000
Petsure - Lifetime Cover £5,000
Petsure - Lifetime Cover £7,500
PETtrac - Accident & Illness £12,000
PETtrac - Accident & Illness £3,000
PETtrac - Accident & Illness £6,000
Petwise - Lifetime £10,000
Petwise - Lifetime £6,000
Petwise - Lifetime £8,000
Post Office - Lifetime £7K
Purely Pets - Lifetime Gold
Purely Pets - Lifetime Silver
Revolut - Gold
Royal Bank of Scotland - Premier Pet Insurance
RSPCA Pet Insurance - Gold
RSPCA Pet Insurance - Platinum
RSPCA Pet Insurance - Silver
Saga - Super
Sainsbury's Bank - Lifetime £10,000
Sainsbury's Bank - Lifetime £2,500
Sainsbury's Bank - Lifetime £5,000
Sainsbury's Bank - Lifetime £7,500
Sainsbury's Bank - Maximum Benefit £3,000
Sainsbury's Bank - Maximum Benefit £6,000
Swinton - Classic £7,000
Tesco Bank - Extra £4,000
Tesco Bank - Extra £7,500
Tesco Bank - Premier £10,000
Tesco Bank - Premier £2,000
Tesco Bank - Premier £4,000
Tesco Bank - Premier £7,500
Tesco Bank - Standard
The Insurance Emporium - Lifetime Bronze Annual
The Insurance Emporium - Lifetime Bronze Monthly
The Insurance Emporium - Lifetime Gold Annual
The Insurance Emporium - Lifetime Gold Monthly
The Insurance Emporium - Lifetime Silver Annual
The Insurance Emporium - Lifetime Silver Monthly
The Insurance Emporium - Maximum Benefit Bronze Monthly
The Insurance Emporium - Maximum Benefit Gold Annual
The Insurance Emporium - Maximum Benefit Gold Monthly
The Insurance Emporium - Maximum Benefit Silver Annual
The Insurance Emporium - Maximum Benefit Silver Monthly
The Insurance Emporium - Time Limited Bronze Monthly
The Insurance Emporium - Time Limited Gold Annual
The Insurance Emporium - Time Limited Gold Monthly
The Insurance Emporium - Time Limited Silver Annual
The Insurance Emporium - Time Limited Silver Monthly
Vetsure - Premier
Vetsure - Premier +£1k Top Up
Vetsure - Premier +£2k Top Up
Vetsure - Premier Plus
Vetsure - Premier Plus +£1k Top Up
Vetsure - Premier Plus +£2k Top Up
4Paws Pet Insurance - Maximum Benefit £7,000
4Paws Pet Insurance - Maximum Benefit 30% £7,000
Admiral - Extra
Admiral - Silver
Ageas - Classic
Ageas - Extra
Animal Friends - Max Extra
Animal Friends - Super
Animal Friends - Superior
Argos - Lifetime £2,000
Argos - Lifetime £4,500
Argos - Maximum Benefit £2,000
Argos - Time Limited £4,000
ASDA Money - Lifetime £2,000
ASDA Money - Lifetime £4,000
ASDA Money - Time Limited £5,000
Club Care Insurance - Lifetime £7,000
Club Care Insurance - Maximum Benefit £7,000
Co-op Insurance - Time Limited £5,000
Direct Line - Essential Cover
Frank - £4,000 - All Options
Healthy Pets Insurance - Gold
helpucover - Premier
Itch Insure - Lifetime £2,000
Leisure Guard - Accident & Illness £3,000
MiPet Cover - LifetimeFlex £2,000
MORE TH>N - Basic £3,000
Only Paws - £4,000 - All Options
PDSA - Lifetime £2,000
Perfect Pet Insurance - Elite Extra
Pet-insurance.co.uk - Lifetime Lunar Monthly
Pet-insurance.co.uk - Lifetime Yearly
Pet-insurance.co.uk - Standard Lunar Monthly
Pet-insurance.co.uk - Standard Yearly
Petplan - Essential
Petwise - Lifetime £2,000
Petwise - Lifetime £4,000
Petwise - Time Limited £4,000
Purely Pets - Lifetime Bronze
Revolut - Silver
Sainsbury's Bank - Time Limited £3,000
Scratch & Patch - Premier Plus
Spot On - £4,000 - All Options
Swinton - Classic £4,000
The Insurance Emporium - Maximum Benefit Bronze Annual
The Insurance Emporium - Time Limited Bronze Annual
VetsMediCover - Diamond
Whistle & Wag - £4,000 - All Options
Many pet owners consider their beloved cat or dog as one of the family. Unfortunately, when a pet falls ill the vet’s fees can quickly mount up. Pet insurance is there to help you pay for the veterinary costs should your cat, dog or other domestic pet becomes sick or is injured.
In addition, if you choose you can expand the cover to include a range of other perils, such as public liability (if your dog attacks and injures another animal and/or person or it damages someone else’s property), the cost of keeping your cat or dog in a cattery or kennels if you fall ill and must go into hospital or temporary care and even the replacement value if your animal is stolen or lost.
Most people tend to buy pet insurance for their cat or dog; however, cover isn’t just restricted to our four-legged friends. It’s perfectly possible to insurance a range of domestic animals, such as hamsters, rabbits, guinea pigs or anything else you may find in a pet shop. This also includes certain types of birds, like budgies or parrots.
Pets which you keep for the purposes of racing them, such as greyhounds (unless they are retired) or pigeons, may cost more to insure (or may be declined entirely) due to the higher likelihood of them being injured or lost.
Of course, pet insurance is available for the not-so-common pets too, so if you have an exotic animal, such as snakes, lizards, spiders – even tropical fish – you can still find there’s a policy out there for you.
Horses and ponies aren’t covered under domestic pet insurance but can still be insured by an equine insurance provider.
The cost of your pet insurance can vary tremendously depending on what type of animal you are insuring, their age and what is covered under the policy. Insurance which has higher limits, more comprehensive cover and greater benefits will cost more than those offering basic cover for a limited number of risks.
The cost of pet insurance however is small compared to the £100’s and even £1,000’s you could have to pay in vet’s bills if your furry friend gets seriously ill or injured. Worse yet, if you can’t afford to pay and must have your pet put down.
Things which might increase your premium
Choose a policy which gives a level of cover you are happy with at a price you can comfortably afford. Of course, you can always choose to pay monthly to spread the cost of most pet insurance premium but remember that you’ll probably be charged interest for doing so.
At the most basic level you can buy pet insurance policies which work perfectly to cover you against unexpected vets bills for illness or injury.
These include the cost of drugs, any surgeries required and even physiotherapy to help your pet recover. Some policies will also cover the cost of non-standard treatments, such as acupuncture, homeopathy and behavioural therapy.
However, it’s important to note that some things – such as the cost of regular check-ups, vaccinations, booster shots, anti-flea treatments and grooming – will not be covered. For more information see the section on What is excluded from pet insurance? below.
Pet insurance also often covers the value of your treasured pet, should they die due to illness, accident, be lost or even stolen. While the average cat or kitten might be bought for less than £50 – often they are free to a good home – pure-bred pedigree cats can have a value measured in the hundreds and even thousands of pounds, as can many dogs.
Exotic pets by their very nature tend to be rarer and cost far more than ordinary domestic pets. While no sum could truly make up for the loss of your furry friend at least this will compensate you for your basic financial loss.
In cases where a pet goes missing some insurance policies will cover you up to a set limit to advertise for your lost pet and even offer a modest reward for finding the animal and returning it to you or for information that leads to a conviction if the pet was stolen.
As mentioned previously pet insurance can also include an element of public liability cover should your animal injure someone or do damage to their property (including another pet or livestock). This cover is normally reserved for dogs, but it can also be extended to venomous exotic pets too.
Many pet insurance policies may also cover the cost of boarding your cat or dog at a cattery or kennels, should you have to go into hospital or into temporary care. Often these boarding charges are only claimable for periods over four days, if the costs exceed a certain limit – such as £500 – and have an upper limit to all payments – say, up to £2000 for any single occasion.
Some policies will cover your pet for all or some of the above events while you are abroad. This is great if you have a second home overseas which your pet might travel to with you.
There are several different types of pet insurance which affect what you are covered for, if there is a limit on what you can claim and how often per year.
See the section below What types of pet insurance are there? for more info
There are some things which you cannot insure against or claim for with pet insurance. What you are insured for will differ depending on your policy and provider. This is one of those occasions where you really should read the small print!
* - Hereditary illnesses. If you pet has a family history or a tendency in the breed to develop certain health problems, you must declare this when taking out the policy. Most insurers will accept the risk if your pet is not showing any signs of this condition when the policy is taken out (although you may be charged a higher premium).
If your pet subsequently develops this condition 14 days or more after the policy starts and you have ‘unrestricted’ cover then you will be covered (subject to your normal policy conditions, limits and exclusions).
Always make sure you know what is covered by your pet insurance policy and what isn’t – Don’t find yourself in the unenviable position of having paid a premium only to find out later that you aren’t covered when the worst happens
Pet insurance falls into four types: Lifetime, maximum benefit, time-limited and accident only.
This is the most comprehensive cover level and so is usually also the most expensive. However, it does provide the widest level of cover for your pet. Lifetime insurance means that you will be able to claim up to a set amount (detailed in your policy) every year that your pet is covered – for example, cover may stipulate a maximum total of £10,000 per year.
These limits ‘reset’ every year so in the example above you’d be able to claim up to £10,000 of treatment every year. Any costs over and above this will not be covered – For example, if the total value of your pets treatment comes to £13,000 in a single year you can claim up to £10,000 of this but you would have to pay the remaining £3,000 yourself. Lifetime pet insurance policies tend to set limit either by condition per year or lifetime annual cover (which works like a total overall limit per year).
Both types of lifetime cover will reset on an annual basis (so long as you renew your policy with that provider and don’t go elsewhere) so your pet can have ongoing treatment for the remainder of its life.
These may also be called per condition policies or money limited policies.
This type of policy often has limits which will not reset even when you renew so your pet will only be covered up to the policy limit for this condition for their lifetime, regardless of whether you renew with that insurer after a year. Once you have claimed for treatment up to this limit you will have received the ‘maximum benefit’ available under that policy. You will be responsible for the remainder and any further costs for this condition, even if you renew the policy with the same insurer.
As ever, check the small print carefully for details of the limits your policy will impose in any treatment before you buy to ensure you are getting the cover you want for your pet.
This type of policy normally covers a pet for both injuries and any illnesses. However, these are limited to fixed limits in both how long you can claim for, as well as how much the insurers will pay for treatment. Normally claims are limited to around 12 months from when your pet falls ill or suffers an accidental injury.
When the time or monetary limit has been reached you will no longer be able to claim for your pet’s treatment. This applies even if you renew the policy.
This is the lowest level possible to obtain for your pet and is the cheapest to obtain. It’s likely that the cover levels will be lower than lifetime or annual policies and feature larger excesses.
Accident cover does not insure against illness at all but only treatment if your pet suffers an accident (such as being hit by a car).
All pet insurance policies are likely to carry some form of excess. For example, if your pet’s policy has a £250 excess this means that the insurers will not pay for the first £250 of any claim.
Most policies also charge a percentage of the amount outstanding after the excess has been deducted, this will vary depending on the age of the animal.
Different excesses may apply for different conditions, treatments or pets as well so check your policy carefully.
Pet insurance policies normally carry a waiting period of 14 days from when the policy starts. No claims are covered within this 14-day period but after this your insurance operates as normal.
Consequently, be cautious regarding any pet insurance that offers ‘instant’ cover.
In cases where the treatment is on-going, insurers can arrange to pay vets directly for their fees. However, most vets will insist on an account being settled straight away or in advance, in which case you will have to submit your invoices and other payment proof to your insurer so they can reimburse you (subject to cover limits and any excesses).
Always keep copies of any invoices or other documents which you send to the insurance company for your own records and in case they are lost en-route.
Cancelling your pet insurance policy should be a matter of simply calling your insurer and informing them that you don’t need cover any longer. If you are moving to another insurer, then be sure to let your current insurance company know that you won’t be renewing your policy with them (many insurers will automatically renew your policy and take payment accordingly). If you cancel your insurance mid-policy (rather than at renewal) you may be charged a fee.