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.
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:
- 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
More guides on Finder
Lexus IS200 insurance group
Find out which insurance group the Lexus IS200 falls under and how much it costs to insure.
Lexus CT200 insurance group
Find out how much it could cost to insure the Lexus CT200 based on your age and location.
MG ZR insurance group
Find out which insurance group the MG ZR falls under and how much it costs to insure.
MG3 insurance group
Find out how much it could cost to insure the MG3 based on your age and location.
Daewoo Matiz insurance group
Find out which insurance group the Daewoo Matiz falls under and how much it costs to insure.
Student gadget insurance
Find out what gadget insurance for students includes, who qualifies for it and how to find the best cover for you at the best price.
How will Brexit affect you?
Be prepared for what comes next after the UK leaves the EU, with our Q&A guide.
Compare mobile phone insurance
Get a quote in seconds and save on your phone cover.
Business bank accounts for non-UK residents
We’ve put together some tips and information on how to open a business bank account in the UK as a non-resident.
Can you run a business from home?
Looking to set up your own business but not quite ready to get a proper office? You can definitely run your company from home, once you’ve taken care of a few details.
Ask an Expert