Pet Insurance
How many animals die from plastic?
Every year millions of tons of plastics enter the world’s ecosystem as a result of staggering global plastic production. Much…
Read full guide : How many animals die from plastic?Pet Insurance
Compare UK pet insurance
- Compare 15+ Pet Insurance Providers
- Access Cashback & Rewards
- 97% of reviewers recommend us
Search and compare cheap quotes from over 15 UK pet insurance providers, including
Find Cheap Pet Insurance Quotes
Why is pet insurance important?
Owning a pet can be rewarding, but it can also be costly. The medical expense of treating illness or injuries can put you in a difficult financial position if you are uninsured. As the pet owner, you are also liable for any property damage or injuries caused by your pet to third parties. Pet insurance in the UK is an important investment as it offers financial support for multiple risks associated with owning a pet.
What is the best pet insurance option?
The best pet insurance in the UK should offer sufficient cover for your needs, and these will vary depending on you and your pet. The age, species, and pre-existing medical conditions of your pet will determine which type of pet insurance would be best for you. There are various types and levels of cover to choose from.
Lifetime pet insurance
Lifetime pet insurance offers some of the most comprehensive coverage for your pets. It protects them against illnesses and injuries they suffer throughout their life. This covers ongoing or chronic illnesses year on year, as long as the policy is renewed. It typically comes with coverage limits that reset annually.
Accident only pet insurance
If you are on a budget, accident-only is often the cheapest pet insurance option. This level of insurance usually has a limit for each claim and will only cover injuries or accidents. This means things like broken bones, poisoning or cuts are covered.
Annual pet insurance
Annual, or time limited pet insurance policies typically cover pets for illness or injury within a period of one year. After this time the policy can be renewed. At this point existing medical conditions may be excluded, so these are not the best option for chronic conditions or ongoing treatment.
Maximum benefit pet insurance
This type of pet insurance provides coverage for individual accidents or injuries to your pet. Each condition is subject to a pre-set claim limit, rather than time limited cover. So, with maximum benefit insurance, you can continue to claim for a condition until the limit is exhausted.
Instant cover pet insurance
While some pet insurance policies come with waiting periods – typically between 10 and 14 days – some insurers will offer immediate pet cover. In this case, instant cover pet insurance provides immediate cover for accidents or injuries. This is particularly useful if your pet needs emergency care.
We search over 15 pet insurance providers to save you time and money
Compare Pet Insurance
We search over 15 pet insurance providers to save you time and money
Start your pet insurance comparison
When you shop around for quotes, it’s important to compare policies tailored to your pet’s needs. For instance, pet insurance for a bulldog or labradoodle will be different to cat insurance.
Pet insurance for dogs
Depending on the level of pet insurance for dogs you’ve chosen, your dog could be covered for veterinary fees for illness or injury. There may be additional cover like death benefits, dental care, and payment for ads if your dog goes missing. Third party liabilities are typically covered by most policies for dogs.
Pet insurance for cats
Pet insurance for cats offers similar coverage. Many pet insurers have no upper age limits for cats, and some may also include cover for pre-existing conditions. It’s important to compare multiple options to find the best deal for your cat insurance.
Pet insurance for rabbits
Increasingly, rabbits have become more popular as pets in the UK. Pet insurance for rabbits is available as both accident-only or lifetime insurance. It caters to the unique health needs of rabbits covering conditions like GI stasis and respiratory disease. Rabbits can also be added to multi-pet insurance policies.
Pet insurance for multiple pets
It’s possible to get pet insurance for multiple pets. These policies typically cater for pets like dogs, cats, and rabbits and offer discounts for insuring multiple pets at once. Some insurers allow you to have different levels of coverage for each pet and may include coverage for pre-existing conditions.
Pet insurance for older dogs
From around the age of 7, dogs are considered to be older dogs. At this age, dogs can be more prone to developing age-related illnesses or diseases like arthritis or cancer. With these, vet bills can become expensive. This is where pet insurance for older dogs steps in. It provides focused protection for these expensive treatments.
Pet insurance for existing medical conditions
Many pets are diagnosed or have been treated for conditions before a policy is taken out. This is considered a pre-existing condition. In this case, insurers offer specialised pet insurance for existing medical conditions that cover these needs. This cover will usually be more expensive but can save you money on medical bills in the long run.
What does pet insurance cover?
The coverage provided by pet insurance will depend on the type and level of insurance selected. Always check the coverage details and any exclusions before you commit to a pet insurance policy. However, these are common risks that can be covered by pet insurance.
Veterinary fees for accident or illness
Prescription medications
Third party liability cover
Death or euthanasia
Theft or straying
Advertising and reward
Emergency boarding fees
Overseas travel
What is not covered by pet insurance?
Exclusions for pet insurance will depend on the terms and conditions of your policy. However, pet insurance typically does not cover:
- Routine treatments like vaccinations, flea and worming treatments
- Preventative care like neutering, spaying and dental checks
- Pregnancy or breeding costs
- Pre-existing conditions
- Behaviour problems and training costs
- Some common hereditary conditions in specific breeds
- Claims made as a result of ignoring vet advice or using alternative treatments
How much is pet insurance in the UK?
The cost of pet insurance will vary based on the pet, its breed, and its age. The level of cover will also affect the cost. We recommend comparing various pet insurance quotes. This could increase your odds of finding cheaper insurance.
Advice from our experts
“With research suggesting a dog can cost its owner as much as £30,000 during the course of its lifetime, it should come as no surprise that a pet’s veterinary bills have the potential to be quite sizable if the animal suffers an accident or is diagnosed with an illness. Pets don’t have the NHS to fall back on, of course, so a good pet insurance policy really is the best way to protect your furry friend… and safeguard your finances.”
Greg Wilson, Founder of Quotezone.co.uk.
How can I get cheap pet insurance quotes?
It’s important to do research using an insurance comparison platform like ours to explore your options. Carefully compare pet insurance policies and their prices. You could also have a better chance of finding cheap pet insurance by following these tips.
Maintain your pet’s health
You can do this by staying up-to-date with your pet’s routine check-ups and vaccinations.
Adjust your excess
When you make a claim, you’ll typically have to pay an excess amount. By opting for a higher excess, you could lower your premiums. Just be sure it is an amount you are comfortable paying when it comes to making a claim.
Pay annually
Paying for pet insurance annually usually works out cheaper than paying monthly. When you use Quotezone, you can see exactly how much you will save by choosing this option before you commit.
Spay or neuter your pet
Spaying or neutering your pet has many benefits including making your pet less risky to insure. It can reduce health risks and behavioural problems. Keep in mind though that the procedure itself is not typically covered by pet insurance.
Shop around
Always shop around for multiple quotes from different insurance providers as they’re not all the same. Taking the time to compare quotes gives you a better chance at finding affordable cover for your pet.
What do I need to get a quote for pet insurance?
Your insurer will need to know which level of coverage you want as well as the details about your pet or pets. This includes the species, age, breed, sex, vaccination history, medical background, previous claims history and current health status. As the policyholder, you will have to supply your personal details and location.
How does claiming on pet insurance work?
The process is fairly straightforward. Following a claimable incident you can use the insurer’s claim form. Simply complete and submit this with all the necessary documentation and receipts. It will then be processed by your insurer who will determine the outcome. When your claim is approved you will be reimbursed per the terms and conditions of your policy.
Pet insurance FAQs
How much is pet insurance per month?
What is a good annual limit for pet insurance in the UK?
When is it worth claiming on pet insurance?
Which pet insurance provider is best?
What is lifetime pet insurance?
Does pet insurance cost more for pedigree animals?
Which pets are not covered by UK pet insurance?
Does pet insurance cover dental?
Is it worth insuring an old dog?
Pet Insurance
Is it worth insuring an old dog?
Older dogs often face higher veterinary bills due to a host of possible medical conditions that can develop in old…
Read full guide : Is it worth insuring an old dog?
Pet Insurance
How To Choose Pet Insurance
Getting a pet can be an exciting time for you and your family, you may be so excited in fact…
Read full guide : How To Choose Pet Insurance
Pet Insurance
How To Get Cheap Pet Insurance
Taking out the right cover to protect our furry friends is a price many people are prepared to pay. However…
Read full guide : How To Get Cheap Pet Insurance
Pet Insurance
Insuring a French Bull Dog
Whilst the rumours around French bulldogs being a more expensive breed to insure are true, this doesn’t mean you need…
Read full guide : Insuring a French Bull Dog
Pet Insurance
How Much Is Rabbit Insurance UK
With over 1 million rabbits owned as pets in the UK according to latest estimates, these floppy eared companions have…
Read full guide : How Much Is Rabbit Insurance UKLooking for cheaper insurance?
Search over 15 different pet insurance providers
Quotezone increases your chance of finding a great deal by searching the market for you.
Buy online or by phone
Purchase your pet policy quickly and easily, monthly and annual payment options available.
You could save time and money
Get your quotes by filling in one simple form, compare prices, and start saving.
Over three million users
Join our ever-growing list of satisfied customers today.
Secure & Encrypted
We guarantee your confidence when shopping online by following the latest internet security standards.
Independent and unbiased service
We aren’t owned by or have any investment from any insurance company.
Related Insurance
What people have to say about us
Tried the others several times and some offering gimicky freebys that most people will never use. Tried Quotezone, they offered straight forward price comparisons, one of which I am now using.
Keith
Ringwood, United Kingdom
Fast and easy to use and easy to sort
David
Chelmsford, United Kingdom
4.76/5 from 3449 customer reviews