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What is the best pet insurance in 2024?

Moneyfacts has been analysing data for 35 years and our Star Ratings act as a badge of quality, providing an easy way for you to identify exceptional products that deserve your consideration.

The chart below shows a selection of pet insurance policies awarded four and five stars. Scroll down to see the full list below.

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Featured pet insurance providers

  • Waggel

    GET YOUR FIRST MONTH FREE

    • Covers Reoccurring conditions & Dental
    • 24/7 video vet with 100% digital claims
    • Track claims in real-time with a personal claims handler
    • Online behaviour and nutrition consultations
    • Supports a charity of your choosing
    • Payment for loss, theft or death
    • Perks & discounts unique to your dog
  • Kennel Club

    Protect your dog with the UK's Number 1 Pet Insurer.

    • All our policies offer lifetime protection for illnesses and injuries
    • Up to £25,000 every year towards vet bills
    • We pay 97% of claims
    • Free 24/7 vet video calls
  • ManyPets

    Buy a ManyPets policy and get a £40 Amazon.co.uk Gift card with all new policies. T&Cs apply. Limited time only. 

    We were named Pet Insurance Provider of the Year at the 2024 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.

  • Napo

    Use code 'NAPO5' for 5% discount on policies

    • Cover for cats and dogs from 4 weeks old, including dental cover* and pre-existing conditions.**
    • Direct-to-vet payments available.
    • Free, unlimited 24/7 video calls through FirstVet.
    • Manage your account and claims online.
    • We have a low standard excess charge of £75 per condition, per year. No matter your policy 
    • 5-star rating from independent financial business Moneyfacts.
    • Free unlimited access to online puppy training classes with the Puppy Academy

     

    *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.

  • Petplan
    • Petplan is the UK's No.1 pet insurer
    • Petplan insure over 1.3 million pets
    • Award-winning pet insurance
    • Petplan covers things some other policies don’t
    • 98% of Covered for Life® claims paid
    • You won’t pay more for claiming
    • Petplan have over 45 years experience helping to keep pets healthy
    • Over 90% of customers renew with Petplan each year
    • Petplan can pay your vet directly
    • Petplan pay 90% of claims in 5 working days
    • Get a 10% online discount for the first year
  • Tesco Bank Pet Insurance

    Moneyfacts Star Rating: 5 Stars

    • Tesco Bank Pet Insurance offers a choice of cover levels to suit you and your pet’s needs.
    • Direct to Vet payments available
    • Spread the cost of your policy with no extra cost, if paying monthly by direct debit.
    • 24/7 unlimited, free telephone calls or video calls with Vetfone™ experts, provided by Vetsdirect Ltd, included with every policy.
    • No cancellation fee
    • Pets must be at least eight weeks old when cover starts and any pre-existing injuries and illnesses and certain breeds of cat and dog are not covered.
    • Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd.
    • A guaranteed discount for Clubcard members. All you need to do is tell us your Clubcard number when prompted.
  • Purely Pets

    Purely Pets is an insurance provider who’s dedicated UK team can help you find the right level of cover for you and your beloved pet in an easy, simple, and transparent way.

    • Interest free monthly payments
    • Claims paid directly to vets
    • 5* Moneyfacts rated products*
    • 24/7 vet video consultations, symptom checker and qualified vet advice from Joii
    • 15 levels of Lifetime cover to choose from £1,000 - £15,000, over three products: Bronze, Silver and Gold
    • Flexible excess options

    *Moneyfacts 5* rating applicable to Dog and Cat vet fees from £6000+.

  • Frank

    At Frank we focus on what really matters: putting your pet first.

    • Award-winning pet insurance.
    • Covers Reoccurring conditions.
    • Unlimited number of conditions per policy each year.
    • Track claims in real-time and get paid faster.
    • Frank can pay your vet directly.
    • Upgrade, downgrade or cancel at any point. No Fees.
    • Submit a claim or manage your account online 24/7.
  • Whistle & Wag

    We are proudly British and our UK based customer success and claims teams will be there whenever you need us. Join the club today and experience pet insurance like no other.

    • Claim for an UNLIMITED number of conditions per policy each year.
    • Unique call back service, so no call waiting queues.
    • Your vet, your choice, always without penalty.
    • Certainty of out of pocket expenses. Fixed low excess, no co-payments.
    • £2m for legal claims involving your dog.
  • Perfect Pet

    Use code AFF5 for 5% off all Perfect Pet Policies

    • Free, unlimited 24/7 vet phone line
    • 97% of claims paid within 5 days
    • Cover for cats and dogs from 4 weeks with no upper age limit

  • M&S Insurance
    • 15% online discount
    • Pay by monthly instalments - at no extra cost
    • 10% multi-pet discount for each cat or dog you choose to insure 
    • Protect your dog or cat from aged 8 weeks
    • Access to vetfone™ - a freephone 24 hour helpline
    • M&S Pet Insurance gives you access to a range of services from information about local pet care providers to bereavement support

         T&Cs apply

    “M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd.”

  • LV=

    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.

    • We can pay your vet directly
    • We’ll cover your puppy or kitten from eight weeks old
    • Free 24/7 access to online vets
    • Variable excesses to suit your pocket

    Lifetime options:

    • Vets fee cover of £3k, £5k or £10k – every year your pet is insured with us

    Time Limited options:

    • Vets fee cover of £1.5k or £2.5k for up to 12 months for each condition
  • NOW Pet

    Use code AFF5 for 5% off all Now Pet Policies

    Here at NOW Pet, we do our best to keep things simple. We offer straightforward, fuss-free insurance for dogs and cats, so you can spend more time on what matters most - enjoying your pet!

  • Everypaw
    • Pet insurance policies for dogs, cats and rabbits
    • Insure multiple pets for a multi-pet discount
    • Unlimited 24/7 access to UK vet nurses and vets with Petcall
    • Manage your policy online with the Pet Portal

     

  • Scratch & Patch
    • Insurance cats and dogs will love you for
    • 24/7/365 Scratch & Patch Careline gives you unlimited access to fully qualified vet nurses whenever you need them
    • Choose from 6 levels of cover, including Prime, Premier & Premier Plus
    • 2022 Highly Commended at the Moneyfacts Consumer Awards in the Pet Insurance Provider of the Year
    • UK based administration and claims handling
    • No waiting period for illness cover if you switch from another provider and have continuous insurance (otherwise 14 days)
  • Spot On

    We are pet insurance specialists, backed by years of expertise and powered by innovative technology. At Spot On we focus on being efficient, reliable and giving you value for your money. 

    • Adjustable Coverage and Affordable Options.
    • Spot On can pay your vet directly.
    • Pay monthly at no extra cost.
    • Cover for cats and dogs from 4 weeks old.
    • No upper age limit, we don’t drop older pets.
    • Manage your account online 24/7.
  • Post Office

    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.

  • Fluffy

    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.

    • Up to £10,000 for vet fees
    • Up to £750 for dental accidents
    • Up to £750 for complementary treatments
    • Up to £1,500 for theft and straying
    • Up to £2M for third-party liability
    • Hassle-free claims
    • 10% multi-pet discount
  • Only Paws

    We believe that protecting your pet is one of the biggest gifts you can give them. That’s why we make it our mission to make your pet insurance experience as seamless and carefree as possible and reward responsible pet ownership with premium discounts.

    • Covers Reoccurring conditions.
    • Lower premiums for healthy and responsible pet ownership.
    • Adjustable coverage and options for Dental.
    • No waiting period when you switch from another provider.
    • Cover for conditions that ended at least two years ago.
    • Track claims in real-time.
  • Agria
    • Lifetime Pet Insurance for dogs and cats with up to £12,500 vet fees cover
    • 97% claims are paid, direct to your vet if you prefer
    • Winner of Moneyfacts Consumer Award 2018 & 2019: Pet Insurance Provider of the Year
    • Winner of Moneyfacts Consumer Award 2018 & 2019: Best Claims Service
  • 4Paws
    • Different levels of cover to suit every budget.
    • Cover from 6 weeks old
    • UK based contact centre
    • 24/7 emergency claims line
  • Healthy Pets

    Established in 1996, Healthy Pets is one of the longest-established pet insurance brokers around. Benefitting from over 25 years’ experience, rest assured you are covered by people who care as much about your pet as you do.

    With Healthy Pets you can:

    • Choose your level of cover and tailor your insurance benefits to build a policy that’s right for you.
    • Get lifetime cover for vet bills, legal fees, accidental damage and more. Limits apply.
    • Save up to 20% on your cover if you’re a new customer.
  • Cover My Pet
    • 3 levels of cover to choose from including Time Limited, Maximum Benefit and Lifetime Cover
    • Lifetime cover for Dogs and Cats with vet fee options of £2,000, £5,000 and £10,000
    • Choose your own excess level
    • Claims paid direct to vet practice (subject to vet agreement)
    • UK based call centre
    • Cover available from 8 weeks old
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The 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.

What elements of the pet insurance policy do we look at?

The many factors we look at to determine star ratings include:

  • Maximum veterinary fees insured
  • Claims time limit
  • Total excess
  • Fees and charges
  • Discounts
  • Boarding fees cover
  • Death by accident and illness cover
  • Lost or stolen cover
  • Advertising and reward cover
  • Alternative treatments cover
  • Dental treatments cover
  • Hereditary conditions cover
  • Congenital conditions cover
  • Overseas vet fees
  • Quarantine costs
  • Special diet cover
  • Behavioural disorders cover
  • Accidental damage to third parties cover
  • Pet funeral / cremation cover
  • Third-party legal liability cover
  • Maximum age limits

  • Maximum veterinary fees insured
  • Claims time limit
  • Total excess
  • Fees and charges
  • Discounts
  • Boarding fees cover
  • Death by accident and illness cover
  • Lost or stolen cover
  • Advertising and reward cover
  • Alternative treatments cover
  • Dental treatments cover
  • Hereditary conditions cover
  • Congenital conditions cover
  • Overseas vet fees
  • Quarantine costs
  • Special diet cover
  • Behavioural disorders cover
  • Accidental damage to third parties cover
  • Pet funeral / cremation cover
  • Third-party legal liability cover
  • Maximum age limits

  • Maximum veterinary fees insured
  • Claims time limit
  • Total excess
  • Fees and charges
  • Discounts
  • Boarding fees cover
  • Death by accident and illness cover
  • Lost or stolen cover
  • Advertising and reward cover
  • Alternative treatments cover
  • Dental treatments cover
  • Hereditary conditions cover
  • Congenital conditions cover
  • Overseas vet fees
  • Quarantine costs
  • Special diet cover
  • Behavioural disorders cover
  • Accidental damage to third parties cover
  • Pet funeral / cremation cover
  • Third-party legal liability cover
  • Maximum age limits

How does a star rating help me find the best pet insurance?

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.

Pet Insurance Star Ratings 2024

Click the headings below to see the full list of star ratings awarded.

Cat Insurance - Five Star

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 Ltd - Agria Lifetime
Agria Pet Insurance Ltd - Agria Lifetime Plus
Animal Friends - Lifetime £10,000
Animal Friends - Lifetime £18,000
Animal Friends - Lifetime £5,000
Animal Friends - Prestige
Argos - Lifetime £3,500
Argos - Lifetime £4,500
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
Co-op Insurance - Lifetime £10,000
Co-op Insurance - Lifetime £16,000
Co-op Insurance - Lifetime £5,000
Co-op Insurance - Lifetime £7,500
Co-op Insurance - Time Limited £5,000
Direct Line - Advanced Cover
Direct Line - Select Premier Pet Insurance
Everypaw - Lifetime Everypaw £10k
Everypaw - Lifetime Everypaw £3k
Everypaw - Lifetime Everypaw £4k
Everypaw - Lifetime Everypaw £5k
Everypaw - Lifetime Everypaw £6k
Everypaw - Lifetime Everypaw £7k
Everypaw - Lifetime Everypaw £8k
Everypaw - Lifetime Everypaw £9k
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 Insurance - Lifetime £12,000
John Lewis Insurance - Lifetime £2,000
John Lewis Insurance - Lifetime £3,000
John Lewis Insurance - Lifetime £5,000
John Lewis Insurance - Lifetime £7,500
John Lewis Insurance - Lifetime £9,000
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 £10,000
M&S Bank - Premier £5,000
M&S Bank - Premier £7,000
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 - 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
Petguard - Accident & Illness £12,000
Petguard - Accident & Illness £3,000
Petguard - Accident & Illness £6,000
Petplan - Covered for Life £12,000
Petplan - Covered for Life £4,000
Petplan - Covered for Life £7,000
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 Money - Lifetime £3K
Post Office Money - Lifetime £4.5K
Post Office Money - Lifetime £7K
Purely Pets - Lifetime Gold £11,000
Purely Pets - Lifetime Gold £12,000
Purely Pets - Lifetime Gold £13,000
Purely Pets - Lifetime Gold £14,000
Purely Pets - Lifetime Gold £15,000
Purely Pets - Lifetime Silver £10,000
Purely Pets - Lifetime Silver £6,000
Purely Pets - Lifetime Silver £7,000
Purely Pets - Lifetime Silver £8,000
Purely Pets - Lifetime Silver £9,000
Revolut - Gold
Revolut - Silver
Royal Bank of Scotland - Premier Pet Insurance
RSPCA Pet Insurance - Lifetime £4,000
RSPCA Pet Insurance - Lifetime £7,000
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 Insurance - Classic £4,000
Swinton Insurance - 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

Cat Insurance - Four Star

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 Ltd - Agria Home Cat Lifetime Plus
Agria Pet Insurance Ltd - Agria Lifetime Lite
Animal Friends - Max Extra
Animal Friends - Superior
Animal Friends - Superior Plus
Argos - Lifetime £1,000
Argos - Lifetime £2,000
Argos - Maximum Benefit £2,000
Argos - Time Limited £4,000
ASDA Money - Lifetime £2,000
ASDA Money - Time Limited £5,000
British Pet Insurance Services - Superior
Co-op Insurance - Time Limited £2,000
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
Insureyourpaws.co.uk - Maximum Benefit £5,000
Insureyourpaws.co.uk - Maximum Benefit £6,000
M&S Bank - Plus £3,000
MiPet Cover - 365Flex £2,500
MiPet Cover - LifetimeFlex £2,000
MORE TH>N - Basic £3,000
Napo Pet Insurance - Essential
Perfect Pet Insurance - Elite Extra
Perfect Pet Insurance - Elite Extra Plus
Pet-insurance.co.uk - Lifetime Lunar Monthly
Pet-insurance.co.uk - Lifetime Yearly
Petplan - Essential
Pets in a Pickle - Time Limited
Petwise - Lifetime £2,000
Petwise - Time Limited £4,000
Post Office Money - Lifetime £1K
Post Office Money - Maximum Benefit £2K
Purely Pets - Lifetime Bronze £1,000
Purely Pets - Lifetime Bronze £2,000
Purely Pets - Lifetime Bronze £3,000
Purely Pets - Lifetime Bronze £4,000
Purely Pets - Lifetime Bronze £5,000
RSPCA Pet Insurance - Lifetime £2,500
Sainsbury’s Bank - Time Limited £3,000
Scratch & Patch - Premier
Scratch & Patch - Premier Plus
Swinton Insurance - Classic £2,000
The Insurance Emporium - Lifetime Palladium Annual
The Insurance Emporium - Maximum Benefit Bronze Annual
The Insurance Emporium - Time Limited Bronze Annual
VetsMediCover - Diamond

Dog Insurance - Five Star

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 - Extra
Ageas - Ultra
Agria Pet Insurance Ltd - Agria Lifetime
Agria Pet Insurance Ltd - Agria Lifetime Plus
Animal Friends - Lifetime £10,000
Animal Friends - Lifetime £18,000
Animal Friends - Lifetime £5,000
Animal Friends - Prestige
Animal Friends - Superior Plus
Argos - Lifetime £3,500
Argos - Lifetime £4,500
Argos - Lifetime £7,000
Argos - Maximum Benefit £5,000
Argos - Time Limited £4,000
ASDA Money - Lifetime £10,000
ASDA Money - Lifetime £4,000
ASDA Money - Lifetime £6,000
ASDA Money - Lifetime £8,000
Co-op Insurance - Lifetime £10,000
Co-op Insurance - Lifetime £16,000
Co-op Insurance - Lifetime £5,000
Co-op Insurance - Lifetime £7,500
Co-op Insurance - Time Limited £5,000
Direct Line - Advanced Cover
Direct Line - Select Premier Pet Insurance
Everypaw - Lifetime Everypaw £10k
Everypaw - Lifetime Everypaw £3k
Everypaw - Lifetime Everypaw £4k
Everypaw - Lifetime Everypaw £5k
Everypaw - Lifetime Everypaw £6k
Everypaw - Lifetime Everypaw £7k
Everypaw - Lifetime Everypaw £8k
Everypaw - Lifetime Everypaw £9k
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 Insurance - Lifetime £12,000
John Lewis Insurance - Lifetime £2,000
John Lewis Insurance - Lifetime £3,000
John Lewis Insurance - Lifetime £5,000
John Lewis Insurance - Lifetime £7,500
John Lewis Insurance - Lifetime £9,000
Kennel Club Pet Insurance - Kennel Club Lifetime
Kennel Club Pet Insurance - Kennel Club Lifetime Plus
Kennel Club Pet Insurance - Kennel Club Lifetime Premium
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 £10,000
M&S Bank - Premier £5,000
M&S Bank - Premier £7,000
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 £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 - Covered for Life £12,000
Petplan - Covered for Life £4,000
Petplan - Covered for Life £7,000
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 Money - Lifetime £3K
Post Office Money - Lifetime £4.5K
Post Office Money - Lifetime £7K
Purely Pets - Lifetime Gold £11,000
Purely Pets - Lifetime Gold £12,000
Purely Pets - Lifetime Gold £13,000
Purely Pets - Lifetime Gold £14,000
Purely Pets - Lifetime Gold £15,000
Purely Pets - Lifetime Silver £10,000
Purely Pets - Lifetime Silver £6,000
Purely Pets - Lifetime Silver £7,000
Purely Pets - Lifetime Silver £8,000
Purely Pets - Lifetime Silver £9,000
Revolut - Gold
Revolut - Silver
Royal Bank of Scotland - Premier Pet Insurance
RSPCA Pet Insurance - Lifetime £4,000
RSPCA Pet Insurance - Lifetime £7,000
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 Insurance - Classic £4,000
Swinton Insurance - 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
Waggel - Lifetime £10,000

Dog Insurance - Four Star

4Paws Pet Insurance - Maximum Benefit £7,000
4Paws Pet Insurance - Maximum Benefit 30% £7,000
Admiral - Extra
Admiral - Silver
Ageas - Classic
Agria Pet Insurance Ltd - Agria Lifetime Lite
Animal Friends - Max Extra
Animal Friends - Super
Animal Friends - Superior
Argos - Lifetime £1,000
Argos - Lifetime £2,000
Argos - Maximum Benefit £2,000
ASDA Money - Lifetime £2,000
ASDA Money - Time Limited £5,000
British Pet Insurance Services - Superior
Co-op Insurance - Time Limited £2,000
Direct Line - Essential Cover
Everypaw - Maximum Benefit Everypaw £3k
Frank - £3,000 (with optional cover)
Frank - £4,000 (with optional cover)
Healthy Pets Insurance - Gold
Healthy Pets Insurance - Premier
M&S Bank - Plus £3,000
MiPet Cover - LifetimeFlex £2,000
MORE TH>N - Basic £3,000
Only Paws - £3,000 (with optional cover)
Only Paws - £4,000 (with optional cover)
Perfect Pet Insurance - Elite Extra
Pet-insurance.co.uk - Lifetime Lunar Monthly
Pet-insurance.co.uk - Lifetime Yearly
Petplan - Essential
Petwise - Lifetime £2,000
Petwise - Time Limited £4,000
Post Office Money - Lifetime £1K
Post Office Money - Maximum Benefit £2K
Purely Pets - Lifetime Bronze £1,000
Purely Pets - Lifetime Bronze £2,000
Purely Pets - Lifetime Bronze £3,000
Purely Pets - Lifetime Bronze £4,000
Purely Pets - Lifetime Bronze £5,000
RSPCA Pet Insurance - Lifetime £2,500
Sainsbury’s Bank - Time Limited £3,000
Scratch & Patch - Premier Plus
Spot On - £3,000 (with optional cover)
Spot On - £4,000 (with optional cover)
The Insurance Emporium - Lifetime Palladium Annual
The Insurance Emporium - Maximum Benefit Bronze Annual
The Insurance Emporium - Time Limited Bronze Annual
VetsMediCover - Diamond
Waggel - Lifetime £6,000
Waggel - Lifetime £8,000
Whistle & Wag - £3,000 (with optional cover)
Whistle & Wag - £4,000 (with optional cover)

Pet insurance explained

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.

At a glance

  • Pet insurance protects you from the high cost of vet’s bills if your pet falls ill or has an accident.
  • Dog insurance can include public liability insurance – in case your dog injures someone or causes damage to their property (including another animal or livestock).
  • When taking out pet insurance cover make sure you understand what treatments are covered and if there are any limits or excesses to pay.
  • Nearly all domestic pets can be insured but be aware that the older they are the higher the premium you are likely to be charged.

What kind of pet can I insure?

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.

How much does pet insurance cost?

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

  • Age – Older pets will cost more to insure and may not get cover at all
    Medical history – You will have to declare any medical problems which your pet has already suffered. These can increase the premium or the risk may be excluded completely from cover (Never be tempted to lie or simply not disclose this kind of information – this is illegal and can result in both prosecution and your policy being cancelled)
  • Type and breed of pet – Dogs tend to attract a higher premium than cats. Exotic pets and pedigree breeds will also tend to increase the premium you can expect to pay. However, on the plus side some insurers offer multibuy discounts if you are insuring more than one animal.

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.

 

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What does pet insurance cover?

Veterinary bills and medical treatments

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 value on loss or death

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.

Public liability

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.

Boarding costs

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.

Overseas costs

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.

 

What will my pet be covered for?

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

What is excluded from pet insurance?

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!

  • Dental care (check carefully!). Some policies will cover this at an additional expense or even as part of their standard cover. However, some will not cover dental treatments for your pet at all or may have a limit on cost of treatments. Check your policy carefully and make sure this is in place if necessary. In all cases cosmetic dental work will not be covered.
  • Pre-existing health conditions*. Very often these are specifically excluded from cover, unless they arise during the period of insurance. For example, if it is known that your dog has liver problems before you take out the policy you will probably not be able to claim for treatments or death specific to this cause. If, however, your pet’s condition is diagnosed after 14 days from the start of the policy this will likely be covered (subject to your policy’s cover, terms and exclusions).
  • Regular health check-ups, vaccinations and immunisations (including booster shots)
  • Grooming costs – Including claw-clipping, de-matting and cosmetic procedures
  • Routine and preventative treatment – This includes flea, tick and worm treatments, spaying and castration costs
  • Pregnancy – Some policies may exclude claims related to pregnancy or your pet giving birth - Be sure to check
  • Euthanasia and cremation costs- Some policies do not cover the cost of having your pet put to sleep and/or the costs of cremation. In addition, if these are covered then there may be policy limits which restrict how much they will pay in these circumstances. Again, check your policy carefully.

* - 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

What types of pet insurance are there?

Pet insurance falls into four types: Lifetime, maximum benefit, time-limited and accident only.

Lifetime

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).

 

  • Per condition per year limit. This is where there is a limit to how much you can claim for per condition each year. For example, the limit could be £2,000 per year for your cat’s liver disease and £1,000 for skin conditions per year so these would be the maximum amounts you could claim annually. Again, these limits reset at renewal every year.
  • Lifetime annual cover. This is cover provides an overall limit to how much you can claim over the period of one year. For example, cover may limit the total amount for all claims to £5,000 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.

Maximum benefit

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.

Time limited

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.

Accident only

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).

 

A word about excesses...

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.

Frequently asked questions on pet insurance

How soon is my pet covered by insurance?

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.

How do I claim on my pet insurance?

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.

How can I cancel my pet insurance policy?

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.

Pros and cons of pet insurance

  • Veterinary treatment - especially for serious and long-term conditions – can be very expensive.
  • Depending on the cover you choose it often covers more than just vets’ bills – including public liability and boarding fees, etc.
  • There are a wide variety of covers available allowing you to choose a pet insurance plan which suits your budget
  • Pet insurance doesn’t cover the cost of routine vet treatments (such as inoculations, deworming and check-ups, etc.)
  • Policy excesses may mean you have to contribute toward the cost of treatments, while policy limits may restrict the total amount that insurers will pay over a year or per condition.
  • You may have to settle the vets bill first before being repaid by the insurers (less any excesses or policy limits)
Compare other insurance policies

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