Pet insurance

Compare cheap pet insurance quotes. Cover your pet's health for less. And get up to £20 cashback.

Compare pet insurance quotes
Compare pet insurance quotes

Compare 15 providers to get a cheap pet insurance quote

1
Get quotes

Spend a couple of minutes entering the details of you and your pet. We'll find the best quotes and prices for you.

2
Compare

Compare the policies and prices of the UK’s most-trusted pet insurers.

3
Get paid

Choose a pet insurance plan. Your cashback will be on its way and paid into your account in less than 60 days.

Why compare pet insurance quotes here?

Much like the other comparison sites you’ve heard of, we can save you money and time on getting great pet insurance. The difference between us and them? We give you cashback on top of the savings.

What do I need to get a cheap pet insurance quote?

Details of your pet

We’ll need to know about your pet. We’ll ask for the type of animal it is (whether it’s a dog, a cat or a rabbit). We’ll need to know what breed it is, when it was born, how much you paid for it, and whether it’s been tagged.

Your pet’s medical history

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 types of pet insurance are there?

Lifetime pet insurance

Lifetime

Lifetime pet insurance covers your pet both illness and injuries up to a certain amount annually. If you choose to renew year on year, it can cover your pet for long-term or recurring illnesses. Keep renewing and it can end up covering your pet for its whole lifetime.

Maximum benefit pet insurance

Maximum benefit

This can cover you for both accidents and illnesses. You get a maximum set amount of money if your pet has an accident or illness. But once the maximum has been paid out, you cannot use it again.

Accident-only pet insurance

Accident-only

As the name suggests, this policy covers your pet when it has an accident but not when it has an illness. Heaven forbid, your pet has an accident, this type of insurance will provide a fixed sum to help you towards the treatment.

Time-limited pet insurance

Time-limited

You get a fixed sum that covers your pet for a specific time period — often a year from the start of the illness or injury. 

  • Lifetime pet insurance

    Lifetime

    Lifetime pet insurance covers your pet both illness and injuries up to a certain amount annually. If you choose to renew year on year, it can cover your pet for long-term or recurring illnesses. Keep renewing and it can end up covering your pet for its whole lifetime.

  • Maximum benefit pet insurance

    Maximum benefit

    This can cover you for both accidents and illnesses. You get a maximum set amount of money if your pet has an accident or illness. But once the maximum has been paid out, you cannot use it again.

  • Accident-only pet insurance

    Accident-only

    As the name suggests, this policy covers your pet when it has an accident but not when it has an illness. Heaven forbid, your pet has an accident, this type of insurance will provide a fixed sum to help you towards the treatment.

  • Time-limited pet insurance

    Time-limited

    You get a fixed sum that covers your pet for a specific time period — often a year from the start of the illness or injury. 

    What does pet insurance cover?

    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.

    Vet bills

    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.

    Loss and theft

    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.

    Death by injury or illness

    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.

    Third-party cover

    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.

    How do I keep my pet insurance cheap?

    Compare and get cashback

    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 Quidco 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.

    Keep your pet healthy

    Your pet’s health can affect your premiums. So try to keep healthy by giving it lots of exercise and a good diet.

    Get them microchipped

    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.

    Multi-pet insurance

    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.

    FAQs

    How much is pet insurance?

    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.

    Can I get pet insurance that covers pre-existing conditions?

    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.

    Is pet insurance worth it?

    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.

    What is an excess?

    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.

    Can I cancel my pet insurance?

    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.

    Useful information

    Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.

    When using the Quidco 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.

    The comparison service for pet insurance accessed via Quidco Compare is provided by Quotezone, 100% independent UK insurance comparison. Quidco is a trading style of Maple Syrup Media Ltd, who are an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone, who are authorised and regulated by the FCA, number 313860. Quotezone run and operate the insurance comparison service. By using this system you are agreeing to our terms and conditions & privacy policy.