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Compare the policies and prices of the UK’s most-trusted pet insurers.
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Let us know whether your pet has been neutered, has had any vaccinations, and has had any previous health conditions. These factors will affect the price of your pet insurance premium.
What your insurance covers depends on what type of policy you choose and how much you pay for it. Different policies can cover different things, so think hard about what you want your pet insured for before you buy.
Covering vet bills is usually why people take out pet insurance. Most insurers will cover vet costs, including unexpected accidents and illnesses, depending on which policy you opt for.
But vet bills can range, and the types of treatment your pet could need may or may not be covered. Certain treatments, like that of long-term conditions, hereditary conditions, your pet’s dental and breeding risks, are covered in some policies but not others. Think about what you want for your pet and check exactly what a policy covers before taking it out.
This covers you if your pet is lost or stolen. It can provide you with the pet’s purchase price (be sure to have proof of this). Some policies will also cover the cost of advertising for a lost pet or the cost of reward if it is found and returned.
This will cover you for your pet’s purchase price in the sad case of it passing away by illness or injury. If your pet dies of an illness, its age may affect whether you’re covered for it. Good insurers should cover you in the case of your pet having to be put down.
Also known as liability cover, this covers dogs, and dogs only, in the case they injure somebody or damage their property. It provides the required amount needed for reparations, usually up to £1 million or more.
We all love our pets, and it can be tempting to rush into an insurance plan to have your pet covered as soon as possible. Not shopping around for a solid policy at a good price can be costly, though, and you may not get an insurance policy that does everything you need.
Shop around. Use Compare to find hand-picked policies at great prices. Top up the savings with up to £20 cashback, and you can end up saving some real money.
Your pet’s health can affect your premiums. So try to keep healthy by giving it lots of exercise and a good diet.
If you own a dog, you are required by law to have them microchipped. This is not the case for cats. But it’s possible to reduce the cost of your cat insurance premium if you get your cat microchipped. This way, it’ll be easier to find them if they’re lost or stolen.
Have more than one pet? Insuring several pets on the same policy can save you money. You can get a discount for each subsequent pet you add to the policy.
The cost of pet insurance depends on a range of factors, including what animal your pet is, what breed it is, and its age. It also depends on what level of cover you want.
But a rough estimate of an average insurance policy is around £150 to £170 annually for dogs and £70 to £90 annually for cats.
Yes, you can. But you may need to get a specialist insurance policy. You could be able to get a standard insurance policy for a pet with pre-existing conditions, but your provider may not fork out for issues relating to these conditions.
A case of pre-existing conditions is when your pet has been suffering from something before you take out insurance. There are a few different types of pre-existing conditions:
Chronic conditions: These are incurable or life-threatening conditions, such as cancer, diabetes, or glaucoma. It can be a struggle to get affordable cover for chronic conditions.
Congenital conditions: These are illnesses passed down genetically. You may or may not be able to get cover depending if your pet has shown symptoms of this condition in a certain window of time.
Historic conditions: Illnesses that your pet has previously suffered from but has recovered before you’ve taken the insurance.
Bi-lateral conditions: This is when both sides of your pet are affected by the same issue. So if one of your cat’s legs is affected by something, it may not be a pre-existing condition, but if its other leg on the opposite side is affected, it could be viewed as pre-existing.
That’s really up to you to decide. As we know, the price it costs to insure a pet varies depending on the animal, breed and age. You need to weigh up the cost of the premium against the cost of an unexpected trip to the vet.
Some visits to the vet can cost up to and over thousands of pounds. Think hard about if you’d be able to afford it if the time comes. Shelling out a bit of money each month could be a more sustainable way to pay for your pet’s possible medical issues.
Also consider the peace of mind you’ll have knowing that your furry friends are covered.
This is agreed between you and your pet insurer, and is the amount you pay every time you make a claim (take your pet to the vet, for instance). Some insurers ask you just for a fee for every visit, so between £50 and £100, for example.
Other insurers ask you for a percentage-based excess, meaning you pay a certain percentage of the claim, on top of the flat fee. This can get expensive though.
You may be able to increase your excess fee in return for a cheaper premium.
Yes, you can. After you’ve taken out pet insurance, there’s a two-week cooling-off period. If you change your mind in this period you can cancel your insurance and get a full refund for any premiums you’ve already paid. This is how most providers do it.
If you wish to cancel your insurance after the cooling-off period, the majority of pet insurers won’t give you a refund for any premium you’ve already paid.
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When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
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*This policy provides annual cover including the cost of vet fees up to £2,500. (You have a choice of pet profiles outlined below, one of which MUST be included as part of the disclaimer)