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Compare puppy insurance

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

Puppy pet insurance
Puppy pet insurance

*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 up to 26 providers to get a cheap puppy insurance quote

1
Get quotes

Enter your details and your puppy’s details. You’ll get a selection of quotes from the UK’s most trusted insurers.

2
Compare

Compare puppy insurance policies to find the best plan for you and your bundle of cuteness. 

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 insurance policies with Quidco?

With us, you’ll receive a detailed and comprehensive selection of insurers to choose from. We recommend trusted companies and even give you cashback on top of the savings you could make from comparing. This cashback could be in your account within 60 days.

What do I need to get the best quote?

Details of your puppy

First, we need some details. We’ll need to know the breed, exact age, and how much you paid for them. All this information will be factored into your eventual premiums. 

Your puppy’s medical history

We also need details relating to medical history. We’ll ask questions about any previous health issues he or she has had, whether they have had any vaccinations or neutering procedures yet, and generally other surgical procedures. It’s important that we get these details so that you can get the best value insurance policy for you.

What types of insurance are there?

puppy lifetime cover

Lifetime

Taking out lifetime insurance will cover you for both illness and injury-related costs (up to a certain amount each year). In the event of long-term or recurring illnesses then you can renew year on year to benefit from full lifetime cover.

puppy insurance maximum cover

Maximum benefit

If you would like to be covered against accidents and illnesses but you’re unsure of how much cover you need, maximum benefit insurance is recommended. Your insurance provider will give you a maximum amount if your puppy becomes ill or has an accident. You should keep in mind that with maximum benefit policies once the maximum sum has been paid you won’t be able to use it again.

puppy accident-only cover

Accident-only

In the event of an accident, accident-only plans will cover you with a fixed sum that pays towards your puppy’s treatment and recovery.

puppy time limited cover

Time-limited

Time-limited insurance policies give you a fixed sum to cover your puppy for a specific time period. The time period usually commences from the start of an illness or injury. 

  • puppy lifetime cover

    Lifetime

    Taking out lifetime insurance will cover you for both illness and injury-related costs (up to a certain amount each year). In the event of long-term or recurring illnesses then you can renew year on year to benefit from full lifetime cover.

  • puppy insurance maximum cover

    Maximum benefit

    If you would like to be covered against accidents and illnesses but you’re unsure of how much cover you need, maximum benefit insurance is recommended. Your insurance provider will give you a maximum amount if your puppy becomes ill or has an accident. You should keep in mind that with maximum benefit policies once the maximum sum has been paid you won’t be able to use it again.

  • puppy accident-only cover

    Accident-only

    In the event of an accident, accident-only plans will cover you with a fixed sum that pays towards your puppy’s treatment and recovery.

  • puppy time limited cover

    Time-limited

    Time-limited insurance policies give you a fixed sum to cover your puppy for a specific time period. The time period usually commences from the start of an illness or injury. 

    What will your insurance cover?

    This depends on the type of insurance policy you’re looking for and how much you intend to pay. It’s a difficult decision that requires a little bit of homework and a lot of comparison (which we can help with). 

    Think about what your puppy is likelier to need in terms of coverage. Is the breed more susceptible to certain illnesses? Did his or her parents have a congenital issue that could be passed down? These are the kinds of questions you need to ask.

    Vet bills

    Vet bills are among the most common claims made on pet insurance policies. Wherever you are in the UK, veterinary bills can be costly because of their significant overheads and other costs. Coverage against vet bills should be at the top of your priority list when looking for puppy insurance.

    Loss and theft

    With the rate of puppy thefts increasing in the UK, most pet insurance providers in the UK have doubled down on their theft coverage to ensure that more owners are covered by ample policies. If your puppy goes missing, many providers will also contribute towards the advertising and rewards involved in the search for them.

    Death by injury or illness

    In the heartbreaking event of your puppy passing away from illness or injury, most insurance providers will provide sufficient cover. You will also receive cover from the majority of insurers if your puppy has to be put down. 

    Third-party cover

    With a third-party insurance policy, you will be covered in the somewhat unlikely event that your impossibly cute puppy injures somebody or manages to damage their property. Puppies will be puppies, so perhaps it’s better to be on the safe side if yours is more adventurous than others. 

    You will receive the amount necessary to make sufficient reparations of up to £1 million or more. It would take a particularly adventurous pup, but you never know.

    How do I keep my insurance costs down?

    Compare and get cashback

    Do your homework and compare as many insurance quotes as possible. (we’ll give you access to the best). You don’t want to rush into a top-tier policy if it doesn’t provide you with the benefits you need. Don't forget to compare dog insurance quotes, either.

    Remember that we can give you up to £20 cashback, too. Paired with the savings you could make by comparing, you’re looking at significant savings for both the short and long term. 

    Provide a healthy lifestyle

    If you maintain a healthy diet and give your puppy exercise (as if you have a choice in the matter), you could see your premiums decrease over time.

    Ensure that he or she is microchipped

    It is currently required by UK law to have your dog microchipped, and neglecting to do so might mean that providers reject your insurance application altogether. 

    Multi-pet insurance

    If you’re lucky enough to own more than one puppy, you should consider multi-pet insurance for full coverage (and maybe even a discount). Puppy litter insurance is a popular option because it provides specific and clear benefits - perfect if you’ve got your hands full and need to make a decision quickly.

    FAQs

    What is not covered by your insurance?

    Because some insurers exclude things like routine treatments, it’s worth knowing what you might not be covered by. 

    • Pre-existing conditions. Most standard insurance plans will not cover your puppy against pre-existing conditions that they were already born with. For example, if your puppy displayed symptoms before you took out a policy, or has developed a condition relating to an injury that occurred before you took out a policy, then there’s a much higher chance you won’t be covered going forward. 
    • Routine treatments. Typically, you won’t be covered for routine treatments like vaccinations, neutering, infestations and other treatments related to ‘grooming’.
    • Spaying/neutering treatment. Spaying and castration treatments are not typically covered by providers. Any further treatments relating to spaying and castration will also not be covered.
    • Treatments that could come under ‘grooming’. Treatments from bathing and claw-clipping to general dog grooming aren’t typically covered. 

    At what age should I insure my puppy?

    We recommend that you take out insurance as early as possible. People generally take out insurance as early as six weeks into their puppy’s life. You don’t want to be caught out by any early illnesses because, as unlikely as they may be, carrying out surgical procedures on a young pup is a very delicate process which will likely cost more in vet bills.

    What can I do if they go missing?

    If you have an intrepid explorer on your hands, ensuring that you’re covered against loss is important. If your puppy does go missing, there are plenty of insurers that will cover the costs of local advertising and rewards given to support a neighbourhood search campaign.

    Does location affect the cost of my policy?

    Location is a very common influencing factor when it comes to your insurance premiums. Because vets bills vary from place to place, your location certainly affects the potential costs of insurance. If you’re based in London, for example, then you will pay higher premiums than you would if you were based further north.

    Can I get 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

    Will my insurance cover vaccinations?

    As mentioned further above, insurance does not cover vaccinations. However, having your puppy’s vaccinations up to date will certainly help lower your premiums. 

    What is the best insurance company?

    When you compare with us, this isn’t really a question you need to ask. We provide you with only the best and most reputable insurers on the UK market. You should instead think about what you require from an insurance policy. Take into account the health and lifestyle of your puppy, where you are based in the UK, and more.

    Perhaps you’ve noticed certain behavioural traits, or maybe your pup refuses to grow out of the ‘eats anything in sight’ phase. Keep these in mind when you’re choosing your policy and you’ll be well served by your plan. 

    What is an excess?

    An excess is the amount of money you pay each time you make a claim (for example, for every vet visit). Some insurers will ask for a fee every time you visit, while others work on a percentage basis which requires you to pay a small percentage of your claim. 

    Your excess is agreed between you and the insurer, so keep an eye out for information relating to your excess when you’re shopping for quotes.