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Cost of pet insurance in the UK
Dogs are 119% more expensive to insure than cats.
During your pet’s lifetime, it’s common that you’ll face some unexpected costs. On these occasions, pet insurance can help give you peace of mind and assure you that you’ll be able to keep your furry friend healthy and happy at all times. We’ve reviewed insurance costs for different pets so that you can keep your pet safe and healthy in every circumstance.
The most popular types of pets
With 23 million UK households (41%) owning a pet, it’s safe to say that we love having an extra friend at home. The most popular pet is definitely the dog, with over 9 million pet dogs currently in the UK. This is equal to 23% of households having one dog each.
The second most popular pet is, unsurprisingly, cats. There are 7.5 million pet cats (16% of households) in the UK.
|Type of pet||Number in the UK||Households with pet|
|Tortoises and turtles||300,000||0.50%|
|Horses and ponies||150,000||0.20%|
|Frogs and toads||100,000||0.09%|
|Newts and salamanders||100,000||0.03%|
How often do people contact a veterinarian?
When your furry friend is sick, it’s natural to want to find a professional to help. As pets can’t tell us when they’re feeling sick, it’s often necessary to reach out to those who know better.
59% of pet owners have called or visited a vet in the last 12 months, while a third of all pet owners haven’t had any contact.
|Number of times pet owners have contacted a vet in the last 12 months||Percentage of owners|
|More than 3 times||10%|
Average cost of pet insurance in 2020
The average annual cost of the lowest coverage pet insurance for dogs and cats in the UK shows that insurance for dogs is £149 more each year than it is for cats. Insuring a cat with a standard insurance policy will cost you £10 per month on average, while a dog is closer to £23 per month.
|Average cost of pet insurance||Per month||Per year|
Average cost of dog insurance in 2020
All types of insurance policies are more expensive for dogs, except for accident-only insurance, which is more than double the cost for cats as it is for dogs. The most expensive plan is, unsurprisingly, lifetime insurance for dogs, which costs £419 per year. As well as being the most expensive annually, lifetime insurance policies increase by up to 25% for dogs and up to 20% for cats every year, with the increase in cost being higher with each year that your pet ages.
The most expensive dog to insure in the UK is the English Bulldog, for which the monthly premium will cost you £66.50 per month on average. A Border Terrier is a whole lot cheaper, costing just £17.84 per month.
As well as the breed of the dog affecting the cost of insurance, so will the dog’s age. Insuring a mixed breed puppy costs on average £23.28 per month, which increases to £28.25 when the dog turns 5. If your dog is 12 or older, the cost climbs to £79.83 per month. This means that there’s an average increase of 12% per year for the cost of pet insurance. The biggest increase occurs between the dog’s 8th and 9th birthday, when the premium rises by a staggering 55% from £38.66 to £60.11 per month.
|Age||Cost of dog insurance per month|
Average cost of cat insurance in 2020
Cats are a much cheaper animal to keep around, at least when looking at insurance premiums. The cheapest cat to insure in Britain is the moggie, which will cost you £128.30 per year, closely followed by the British Shorthair, which costs £141.60 per year.
The most expensive cat breed to insure is the Maine Coon, which costs £168.60 per year on average, 31% more than the moggie.
|Breed||Cost of cat insurance per year|
The cost of the most common cat conditions
The graph below lists the price of a vet visit for the 10 most common cat conditions. The conditions are listed with the most common at the top.
What kind of insurance do pet owners have?
40% of pet owners actually don’t have insurance for their animals at all, while 42% cover all corners with full coverage pet insurance. 5% have the most basic coverage with an accident-only policy, and 7% have surgery coverage in case the animal needs an expensive procedure.
|Type of policy||Percentage of pet owners|
|Don't have pet insurance||40%|
Click here for more research. For all media enquiries, please contact:
We’ve compiled a list of some of the best pet insurance providers for cats.Read more…
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As lifelong friends, cats can offer you the perfect companionship, so it’s no wonder that cats are the UK’s second favourite pet!Read more…
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