Cheapest pet insurance in the UK

Looking to get a cheaper pet insurance deal? Find out how you can bring costs down and get cover that's right for your critter.


We all want what’s best for our pet but it doesn’t mean you should pay over the odds for insurance. How much you will have to pay depends on factors such as the age of your pet, its health history and whether you opt for basic or comprehensive cover.

In this guide we offer some tips and tactics for lowering costs and getting discounts on your pet insurance – while still getting the cover you need.

Compare cheap pet insurance

  • Search up to 15 UK pet insurance providers
  • Get multiple quotes for free
  • Find the best cover for your pet and your budget

What’s the cheapest type of policy?

Accident only pet insurance is typically the cheapest type of policy you can get for your furry friend. As the most basic level of cover, it will pay out if your pet is hurt or in an accident. However, your critter won’t be protected if it falls sick.

When does it make sense to buy the cheapest pet insurance?

The most obvious reason you would buy the cheapest pet insurance deal is if it’s the only one you can afford.

However, you might also get the cheapest insurance possible if it suits your pet’s situation. If your cat or dog is still young, then accident only insurance might be a suitable level of cover.

What affects the cost of pet insurance?

There are various factors that insurers use when working out your pet’s insurance premium. These include:

  • Age
  • Type of pet and breed
  • Your address
  • The type of policy you choose

How can I lower my pet insurance rates?

There are many ways to lower your insurance premium including:

  • Only pay for the cover you need. While you can never predict what will happen in life, if you have a young pet you might not need as much cover for vet fees, for instance.
  • Get your pet micro-chipped. While you’re legally required to microchip your dog these days, some insurers will offer you a discount for getting your cat microchipped.
  • Try to pay annually. Insurance companies typically charge more to customers who pay monthly, so try paying in an annual lump-sum if possible.
  • Stay on top of jabs. Making sure your pet has all the necessary vaccinations will safeguard against illness and having to make a claim. This can lower your insurance costs in the long run.
  • Take out insurance when your pet is healthy. Insurance companies won’t cover a pre-existing condition once your pet has fallen ill or been injured. So taking out insurance when your pet is young and healthy could save you from paying for expensive vet bills out of your own pocket down the track.
  • Multi-pet policies. Some insurance companies will offer you a discount for insuring multiple pets, so putting all your furry friends on one policy could save you money.
  • Turn to a specialist. You might find you have less affordable insurance options if you have an unusual type of pet like a bird, a lizard or a snake. One way to keep costs down is to use an insurance broker.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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