Pet Insurance Guide

Taking on a pet is a serious responsibility, so you will want to ensure that you would be able care for your animal should the worst happen and they become ill or are injured.  As an animal lover, holding a pet insurance policy can provide you with a great deal of reassurance, as you will be able to afford to pay for any treatment or medical care for your pet, should the need arise. Use the tables below to help you find the best pet insurance deal for your cat, dog, or other household pet:

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What does pet insurance cover?

A standard pet insurance policy may be used to cover the cost of emergency medical treatment for your pet, depending on the type of policy that is selected.


Other pet insurance policies could also cover you for the following:

  • Chronic conditions that your pet might suffer from
  • Dental cover for your pet
  • Treatment for behavioural issues
  • Hydrotherapy, physiotherapy, acupuncture and other alternative therapies
  • Death of your pet, sometimes including burial or cremation costs
  • Missing pet cover
  • Boarding fees
  • Holiday cover
  • Cover if you took your pet abroad under the government’s Pet Travel Scheme.


You may also wish to consider purchasing a policy that would also offer third party liability cover if you are looking to insure a dog.  This could cover you for any costs that you may be liable to pay in the event that your dog was to injure a third party or damage their property.


Which types of pet policies are there to choose from?

  • Time-limited
    A time-limited pet insurance policy would cover you for up to a maximum amount per condition; you would only be eligible to receive payments for up to 12 months for each condition, after which the illness would be excluded from your policy.
  • Maximum benefit
    Maximum benefit pet insurance policies cover conditions up to a designated amount, with no limit on how long you are allowed to claim for per condition; the policy would have a limit to payments from the policy as a whole, meaning that it may not provide full cover for ongoing illness.
  • Lifetime policy
    A lifetime pet insurance policy is the most comprehensive policy available, covering veterinary fees for up to a certain amount each year; upon renewal, this amount will also be renewed.

Which factors affect the cost of a pet insurance policy?

  • The level of cover required
    The more comprehensive a policy is, the more expensive it will generally be per month; although, in the long term you may save more money with a more comprehensive policy depending on the health of your pet.
  • The age of your pet
    Policies for older pets (usually above the age of 8) may carry higher premiums.
  • The breed of your pet
    Certain breeds may more predisposed to suffer from particular conditions, and so may not be covered for these or related conditions.
  • Your pet’s previous medical history
    The more cases of illness your pet has had, the more expensive your premiums are likely to be; pre-existing medical conditions will not usually be covered by your policy.
  • Your location
    If you live in a more high-risk area, such as by busy roads, your premiums are likely to be higher.
  • Your age, gender and marital status could also be taken into consideration.


How can you reduce the cost of premiums?

  • Opting to pay a higher excess upon making a claim
  • Fit your pet with a microchip, as this could help to locate your pet should it go missing
  • Ensure that your pet is neutered.
Our Top Picks
ProviderOnline DiscountMax Vet Fees CoveredAdditional Features 
Intro Discount
up to £4,00045% Introductory Discount. With multi-pet cover you can mix and match Standard or Lifetime policies too - there's even a 10% multi-pet discount when you insure more than one pet.Compare pet insurance plans online and discover which level of cover best suits your needs. We love pets and we love great value!Get Quotes >
20%Up to £12,000Dog and Cat Cover - No upper age limit - Long term cover so you claim for conditions like arthritis. Vet fees paid directly - Cover for loss or theft - Vetfone is a 24 hour service offering expert advice and support about anything to do with your pets.Get Quotes >
10%Up to £6,500 (platinum cover)Save 10% when you buy Aviva pet insurance online (subject to a minimum premium. Cover for: Vet fees for illness and injury, Third party liability – up to £1 million for dogs, Boarding kennel or cattery fees – up for £1000 if you have to go into hospital for 48 hours or longer (Platinum cover only). Includes access to Pet Legal and Vet Finder helplines.Get Quotes >
20%Up to £6,000 per yearAmerican Express offers three levels of pet insurance - get 20% off when you buy online plus get one month’s free premium per policy per year, when insuring two or more pets Get Quotes >
10%Up to £14,000 per yearDog, Cat and Rabbit Cover - Petplan offers genuine Covered for Life pet insurance. Multi-Pet Discount (£12 a year per pet)90% of claims settled within 5 days - Get Quotes >
10%£7,000Prices from £4.09 for cats and £7.58 for dogs. Three levels of cover to choose from. £1,000,000 third party liability cover for dogs.Get Quotes >