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Pet insurance in the UK is divided into four types of policies:
This type of policy covers your pet for accidents and illnesses for a fixed period of time (usually 12 months).
This covers veterinary expenses related to accidental injuries, such as broken bones. Be aware that it does not cover illness unless it is a result of an accident.
Many pet cover policies will also include additional benefits, so it’s important to be aware of these when exploring your options.
The following are options to consider:
Just like any other insurance, pet insurance doesn’t cover everything. Here are some common exclusions:
Yes you can. You can get pet insurance even if your pet has a pre-existing condition, but it’s important to understand that very few insurers will offer full cover. Typically, the following are considered pre-existing conditions:
Getting pet insurance early means you’re more likely to be able to claim costs for conditions that develop early in the pet’s life. However, insurers are within their rights to adjust the cost or terms of your policy afterwards to reflect the increased cost. To ensure continuity of cover in these circumstances, you can look for a lifetime pet insurance policy, or one that comes with guaranteed future insurability.
Ensure you compare pet insurance policies and read insurer reviews whenever possible.
According to the World Health Organisation (WHO), there is no evidence that dogs, cats and other household pets can transmit COVID-19. One dog did test positive for the virus in Hong Kong, but there is debate amongst experts as to whether he was actually ill himself (he did not display any symptoms) or whether the positive diagnosis came from being exposed to human carriers of the virus.
Of course, not much is currently known about the coronavirus and new information is being released all the time. While we strongly discourage panic and excessive purchase of toilet roll, it is important to regularly wash your hands for 20 seconds and keep checking the updates from the WHO.
While all non essential social interactions have been advised against, you’ll be glad to know that you can still cuddle rocky, fluffy or daisy as much as you like! (At the time of writing this, anyway…).
Pet insurance policies generally provide good value, but you do need to pay attention to some details:
We asked policy holders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||89%||M&S Bank is the financial arm of the high-street staple. Its pet insurance has three levels of cover for cats and dogs and the service was said to be quick and easy by customers in our survey, nabbing M&S the top spot for pet insurance.||View deals|
|★★★★★||89%||Direct Line is mostly known for its car insurance, but the company’s pet insurance offering is just as solid. Direct Line has two levels of cover and a claims process praised by customer for being easy and fast.||View deals|
|★★★★★||84%||As well as pet insurance for cats, dogs and rabbits, Petplan also covers horses and exotic pets. The focus is solely on pets here and customers were full of praise for the company’s service.||View deals|
|★★★★★||70%||Animal Friends offers four different types of pet insurance policies for a variety of furry and feathered members of the household. Customers praised the good value of the cover and the simple claims process.||View deals|
|★★★★★||81%||While more of Sainsbury’s customers said they would recommend the service, its overall score pushed it a bit down in our ranking. That said, customers said the rates are good and they love earning Nectar points though their premiums.||View deals|
|★★★★★||75%||Not everyone realises that Argos offers financial products along its huge catalogue, but there are three levels of cover here for cats and dogs. Customers said the cover was easy to set up, which is no surprise really, considering the provider.||View deals|
|★★★★★||71%||There are four levels of cover available from More Than, with the top option providing lifetime cover for you cat or dog. Customers told us they were happy with the service provided. Online and multi-pet discounts are available.||View deals|
|★★★★★||71%||LV= features an impressive five levels of cover – two time limited and three lifetime policies, all with different vet fee caps. Customers surveyed praised the good service and affordable premiums offered by the company.||View deals|
|★★★★★||70%||The largest supermarket chain in the UK, Tesco has four levels of cover for cats and dogs, including a very basic accident and injury policy. Customers in our survey reported good value premiums (after all, every little helps!).||View deals|
|★★★★★||64%||Legal & General offers six levels of cover, ranging from a basic accident only policy to a lifetime policy with £10,000 for vet fees per year. Customers praised the no fuss service, complete with low prices.||View deals|
|★★★★★||67%||Another high-street supermarket that’s branched out to financial services, Asda stocks six diverse pet insurance policies for cats and dogs. The brand’s customers told us they were happy with both the service and prices on offer.||View deals|
|★★★★★||63%||Better known for the posh department stores, John Lewis Finance offers three levels of pet insurance policies for cats and dogs. Unsurprisingly, customers called the cover on offer from John Lewis ‘high quality’.||View deals|
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