Compare pet insurance

Compare cheap pet insurance quotes and get up to £25* cashback

*based on a lifetime policy for a 1 year old male Cockapoo, who is neutered, fully vaccinated and shows no signs of aggression. Cover starts on 22nd July 2022. Prices are correct as of 11th July 2022. 

Compare 26 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 an insurance plan. Your cashback will be on its way and paid into your account. Please note that it can take up to 10 weeks from the start of your policy for your cashback to be paid

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 or a cat). 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?

Maximum pet insurance illustration

Maximum benefit

Maximim benefit pet insurance 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 illustration

Accident only

As the name suggests, an accident only 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.

Temporary pet insurance illustration

Time-limited

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

  • Maximum pet insurance illustration

    Maximum benefit

    Maximim benefit pet insurance 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 illustration

    Accident only

    As the name suggests, an accident only 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.

  • Temporary pet insurance illustration

    Time-limited

    You get a fixed sum that covers your pet for a specific time period with a time limited policy — 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.

    What pets can I insure?

    dog insurance

    Dog insurance

    Get dog insurance to protect your pooch from things like illness and accidents.

    puppy insurance

    Puppy insurance

    Choose puppy insurance to get protection for younger pups and hounds.

    cat insurance

    Cat insurance

    Get cat insurance cover for your feline companion to help with the cost of vet bills, loss or theft, and more.

    kitten insurance

    Kitten insurance

    If you've just welcomed a kitten into your home, choose kitten insurance to help cover cats from six weeks old.

    horse insurance

    Horse insurance

    If you own a horse or regularly ride one, check out horse insurance to ensure you're covered.

    • dog insurance

      Dog insurance

      Get dog insurance to protect your pooch from things like illness and accidents.

    • puppy insurance

      Puppy insurance

      Choose puppy insurance to get protection for younger pups and hounds.

    • cat insurance

      Cat insurance

      Get cat insurance cover for your feline companion to help with the cost of vet bills, loss or theft, and more.

    • kitten insurance

      Kitten insurance

      If you've just welcomed a kitten into your home, choose kitten insurance to help cover cats from six weeks old.

    • horse insurance

      Horse insurance

      If you own a horse or regularly ride one, check out horse insurance to ensure you're covered.

      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 Compare to find hand-picked policies at great prices. Top up the savings with up to £25 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?

      The pet insurance we offer via Quidco compare is meant to protect against future events. This means that it won't cover your pet for any known medical conditions, illness or injuries that your pet already has (pre-existing conditions). If you want to cover anything your pet already suffers with then you'll need to speak to a specialist insurance provider.

      What is a pre-existing condition?

      Specific definitions might vary between insurers, but most categorise a pre-existing condition as:

      - A condition that occurred or showed symptoms before the insurance policy was taken out.

      - A condition that results in the same diagnosis that your pet had before the policy was bought.

      - A condition resulting from an illness or injury your pet had before you took the policy out

      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.