What cover is available?

• Insurance for dogs, cats and rabbits
• Lifetime cover (comprehensive)
• Non-lifetime cover (this will usually include a claim limit)
• Pay monthly or yearly

How does it work?

• Click on the quote button to see available products
• The service will show you the best prices from a wide range of insurers
• Easily compare policies and adjust excess in different areas to suit your pocket
• The service makes it simple for you to choose the right policy

Why you might need pet insurance

Pet insurance may cover you if your pet dies, if it gets injured or stolen, attacks someone or causes an accident. Having pet insurance can provide comfort that, should your pet require medical attention, the vet bills will not leave you with additional financial stress at an already stressful time.

Animals covered

You can compare quotes for dog insurance, cat insurance and rabbit insurance policies with various levels of cover for your animal. Whether your pet is a pedigree or cross-breed you could compare quotes from the panel of pet insurance providers to help find you a great deal.

Policy details

When the quotes are returned, as well as displaying the price, the service will clearly show what is included in the policy including vet fees, if multi-pet cover is available and if lifetime ongoing condition is provided. Not all pet insurance policies are the same so make sure you pick the one that is right for your pet and remember to check what is included in the policy.

Types of Coverage

Accident-only:

As the name suggests, this kind of coverage typically provides for medical expenses when a pet is injured in an accident. However, it doesn’t generally provide any kind of coverage when a pet needs medical attention for an illness. Some of these 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.

Per-condition:

These policies tend to limit the total amount they’ll pay out for a single condition. Depending on the policy the limit may be a certain amount of money, or the policy might cover expenses for 12 months after diagnosis. Once the time or amount limit is reached, the policy usually no longer covers any expenses relating to that particular condition.

This could be a good option for cheap UK pet insurance that provides a basic level of coverage, but cheaper policies could have lower per-condition limits.

Lifetime coverage:

This may be the most comprehensive and the most expensive kind of pet insurance. These policies typically come with a higher annual maximum, but the policy has to be renewed every year. And as with other kinds of health insurance, the provider may decline to renew based on certain circumstances. These policies are also called annual benefit policies, because they have a per-condition limit that is renewed annually along with the policy.

Minimising Premium Costs

Pet insurance could get expensive, so it’s a good idea to thoroughly research insurance options and compare pet insurance policies online before making any commitments. Making this kind of comparison could help pet owners get better deals, and make sure they don’t miss out on essential coverage.
This could be particularly important for pedigree dogs, due to the increased risk of specific health problems for many breeds. Without the right level of coverage, vet bills might mount up very quickly, so it could be crucial to look at different policies and compare lifetime policies and per-condition policies closely. For pedigree dogs the best solution might often be a per-condition plan with a high limit, but this isn’t always the case.

Whatever kind of insurance a pet owner buys, getting the pet insured when it’s young might be the best way to keep costs down, as premiums could be much lower when the pet is young and healthy. Insurance costs may also be lower if a pet is spayed or neutered, as this tends to prevent pets straying far from home. The same could be true if a pet has a microchip implant, which might make it easier for lost pets to be reunited with their owners.