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Quidco Compare - Pet Insurance

Compare pet insurance quotes online with Quidco Compare to find the best cover for your cat, rabbit or dog and earn cashback when you take out a policy. Our furry friends are like family to us, so it’s important to provide the best health care should they get into any mischief and require medical attention after an accident or fall. Pet insurance can seem confusing, but we’ve answered some of the most commonly asked questions for you below, so you can find the right kind of cover for your pet.

What you'll need

    To ensure the quote process runs as smoothly as possible, please have the following to hand:

  • Details about your dog, cat or rabbit, including its breed and vaccination history.

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Need to know

  • Pet insurance will help cover the cost of any medical treatment that your pet may need after injury or illness. Some policies will also pay out if your pet dies, gets lost or stolen, or if your pet causes damage to another person or third party property. You pay a monthly or annual premium for the coverage and with most policies there is usually an excess that must be paid before the insurer will pay out. The insurer will pay out for any condition that’s covered in your policy.

  • Pet insurance policies can vary, so you should check the terms and conditions of your policy carefully to see what is covered but in pet insurance usually covers:

    • Death by accident or illness
    • Missing pet
    • Third party liability (dogs)
    • Overseas travel cover
    • Cattery and kennel fees
    • Euthanasia, cremation and burial
    • Dental cover (accident only)

  • Some of the most common exclusions from pet insurance are:

    • Pre-existing illnesses or conditions

      Chronic or historic conditions aren’t usually covered by pet insurance. Chronic conditions are conditions that are on going, such as heart conditions or hip dysplasia. Historic conditions refer to any illnesses or injuries that your pet no longer suffers from.

    • Waiting period

      This is also known as the cooling off period. Most pet insurance policies won’t provide cover for the first 14 days from the start date of your policy.

    • Routine and preventive treatment

      Pet insurance doesn’t usually cover vaccinations, spaying, castration, flea treatment, tick treatment, worm treatment, grooming, nail clipping and teeth maintenance.

    • Pregnancy and birth

      Any expenses due to pregnancy, giving birth or offspring aren’t usually covered by pet insurance.

  • You can get different levels of cover for your pet depending on your preferences. Here is a breakdown of the different types of pet insurance, and what’s usually covered.

    Accident-only pet insurance
    This kind of coverage typically covers any medical expenses incurred when your pet is injured in an accident. It won’t cover the cost of any medical attention should you pet become ill, so you will have to foot that bill yourself. Many accident-only policies limit the total amount they'll pay out for a single accident, or could only pay out for a limited period of time after a pet is injured.

    Lifetime cover

    • Per condition per year – This has a maximum pay out amount for specific conditions and once the limit has been hit, you have to pick up the remaining costs. It resets each year so if you hit your limit for a skin condition in one year, it will reset the following year for the same condition.
    • Annual lifetime cover – This type of pet insurance has a maximum overall limit and can cover all conditions your pet may need treatment for. It’s the most secure type of cover you can get your pet.

    Non-lifetime cover

    • Per condition cover – Per condition pet insurance will pay a limited amount for each condition and once the limit has been reached, the condition is excluded from future payouts. So if you need to claim for a condition and you hit the limit, you won’t be able to claim for the same condition anymore.
    • Time limit per condition – This type of pet insurance has a condition limit and a time limit (usually 12 months) after which the condition will be excluded. Even if you never claimed for a condition before, it will still be excluded from future payouts.

  • If you’re looking for a cheaper pet insurance plan there are a few things you can do to reduce the cost.

    • Microchip your pet

      Pet microchipping shouldn’t be too expensive and it’s one way to reduce the cost of your insurance. It means it will be easier to find your pet should they go missing and demonstrates that you’re a responsible dog owner.

    • Pay a higher excess

      Like most insurance policies out there, if you opt to pay a higher excess, you can reduce the cost of your premiums.

    • Don’t get a pedigree

      Pedigree animals are more prone to developing hereditary conditions like weak joints or hips due to inter-breeding. This means there’s a higher chance you will need to claim on your insurance in the future, so insurance premiums are higher.

    • Get your pet insured young

      The younger your pet is, the more likely they are to be fit and healthy. Getting them insured at this stage can save you money, as most insurers will exclude pre-existing conditions.

    You should always double check the policy you’re considering choosing, as sometimes the cheapest policy will not offer the level of protection you need.

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. Full details are in our privacy policy. Quidco is a trading style of Maple Syrup Media Ltd and you can see the details of our service in relation to insurance here

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.


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.

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