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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 policyholders to rate their satisfaction with their pet 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 759 pet insurance customers was carried out in December 2020.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||82%||As well as offering pet insurance for cats, dogs and rabbits, Petplan also covers horses. Customers were full of praise for the company’s service and the level of cover, although some felt prices were on the high side.||View deals|
|★★★★★||79%||Animal Friends covers cats, dogs, horses and riders. Customers felt the company was easy to deal and several who’d made a claim found the process efficient.||View deals|
|★★★★★||76%||Tesco has 4 levels of cover for cats and dogs, including a basic accident and injury option up to its Premier policy, with more generous vet fees limits. There’s a multi-pet discount, too. Customers praised “reliable” service and low prices.||View deals|
|★★★★★||81%||There are 3 types of cover from Legal & General, ranging from a basic accident-only policy to a lifetime policy with £10,000 for vet fees per year. Customers said the brand was easy to deal with.||View deals|
|★★★★★||79%||Last year’s winner has dropped a few places but still scores highly. M&S Bank pet insurance has 3 levels of cover for cats and dogs. Customers liked the quality of the service, and the multi-pet discount.||View deals|
|★★★★★||77%||John Lewis Finance offers 3 levels of lifetime pet insurance, all underwritten by RSA, for cats and dogs. Several customers praised the quality of cover and said the team were “helpful”.||View deals|
|★★★★★||76%||Sainsbury’s customers said rates were lower than they’d found elsewhere and cover was “good”. There are 3 types of cover for cats and dogs, and policies are underwritten by Pinnacle Insurance.||View deals|
|★★★★★||74%||There are 6 levels of cover for cats and dogs, from accident-only to the most comprehensive lifetime policy, from Asda Money . Cover is underwritten by Legal & General. Several customers mentioned low rates and “helpful” staff.||View deals|
|★★★★★||69%||Bought By Many offers 5 levels of lifetime cover. Several customers in our survey found the claims process straightforward and prices reasonable.||View deals|
|★★★★★||66%||Cat and dog insurance from Direct Line comes in 2 forms: Essential and Advanced (no time limit per condition). Both have optional extras. A common theme in customer feedback was that staff were helpful and rates reasonable.||View deals|
|★★★★★||64%||There are 3 types of policy from Argos for cats and dogs: Maximum Benefit, Time Limited and Lifetime. Customers gave mixed reviews about the service.||View deals|
|★★★★★||58%||LV= offers time-limited policies (2 levels of cover) and lifetime policies (3 levels). Customer feedback was mixed but a few highlighted reasonable rates.||View deals|
|★★★★★||57%||There are 4 levels of cover available from More Than, with the top option, Premier, providing lifetime cover for your cat or dog. Customer feedback was mixed, with a few respondents unhappy about renewal price hikes.||View deals|
We’ve compiled a list of some of the best pet insurance providers for cats.
See the full results of our independent customer satisfaction survey of 750 pet insurance customers – who’s the top dog?
Our Animal Friends discount codes can help you save on pet insurance. Apply now.
In this guide we look at how much pet insurance typically costs and offer tips on lowering your prices.
A pet rabbit is a great option for anyone looking for a furry companion without the commitment of a larger pet. Find out more about pet rabbits in the UK.
From field rent to training equipment, horses are one of the most financially demanding pets you can own. But just how popular are horses in the UK?
As lifelong friends, cats can offer you the perfect companionship, so it’s no wonder that cats are the UK’s second favourite pet!
Looking for the cheapest pet insurance deal possible? Compare cheap pet insurance quotes and see our tips for cutting costs.
We reviewed insurance costs for different pets so that you can keep your pet safe and healthy in every circumstance.
How many Brits insure their beloved pets? We wanted to see how many dogs were insured in the UK and some of the common costs that come with owning a dog.
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