Pet insurance

For many of us, pets are part of the family. That's why pet insurance is so important - it gives us the comfort of knowing that, if a pet is ill or injured, we can claim for the costs involved. We've teamed up with leading pet insurers so you can compare what's on offer and find the ideal policy.


Pet Insurance guide image

Pet insurance guide

Unsure what pet insurance covers? Read our guide for information and tips on how to save money when insuring your pet.

*Cheapest dog insurance quote based on accident only cover for dogs aged between 0 and 6 years, April 2016 **Cheapest cat insurance quote based on accident only cover for cats aged between 0 and 8 years, July 2016.

Why pet insurance?

Britons typically consider their pets to be part of the family, so when a beloved four-legged friend suffers an illness or injury it can be an upsetting time. It can also be extremely expensive.

A trip to the vet can break the bank these days, with vets’ bills generally on the rise, making it even more stressful if you find yourself struggling to pay the fees to get your pet back to full health. After all, there’s no National Health Service for your dog or cat – or any other animal you might have in your home or garden.

A solution is to invest in pet insurance to make sure you can meet the cost of any unexpected treatment that your pet needs. This way you’ll know your furry friend is covered and you won’t face the shock of a hefty bill.

How much is pet insurance?

The cost of pet insurance is determined by the type of animal you are insuring, whether or not it qualifies as a pedigree, its medical history and its current state of health. There are also different types of policy offering different levels of cover, and this will also make a big difference to the cost.

Some pets can be insured for around £30 a year, although insuring a pedigree dog or a horse will cost substantially more, and might even top £1,000 in some cases.

What types of pet insurance are there?

There are two main types of pet insurance policies – annual, and lifetime policies. 

The cheapest option is an annual policy, which is useful if you only want cover to provide treatment, say, for a specific one-off illness or accident that your pet suffers. The policies last for 12 months, after which time the cover expires. 

However, the downside is that if your pet then goes on to need longer-term treatment, this won’t be covered once the policy expires. Any pre-existing conditions will have to be declared when getting another policy, and these won’t be covered under the standard terms of pet insurance policies.

If you have a pet that you reckon will need ongoing treatment, or you simply want the peace of mind of knowing that you’ll always have cover in place, opt for lifetime cover. This is renewed each year and will cover your pet for ongoing illnesses such as asthma or arthritis. However, the downside is these policies are more expensive.

Whatever policy you pick, there are standard features such as provision for vet’s fees, and boarding fees if, say, you need to go into hospital and your pet needs looking after. There is also typically cover in place if your pet goes missing, to meet the cost of advertising and perhaps a modest reward – and to cover legal fees and awards for which you are deemed liable in the event your dog causes an accident.

Pet insurance guides

These days Britons have an array of pets as part of the family, and pet insurance policies aren’t limited to the most common pets – such as dogs and cats. You can also get cover for smaller furry friends including rabbits, as well as larger animals like horses. See MoneySuperMarket’s range of pet insurance guides for more information on the different pet insurance policies available. 

Why use MoneySuperMarket?

Before picking a pet insurance policy, it’s important to compare those available to see which suits your needs and budget by using a site like MoneySuperMarket.

The best pet insurance policy for you might not be the cheapest, after all, as you don’t want to find yourself out of pocket because a condition your pet suffers from isn’t covered. So by doing a pet insurance comparison with a few clicks of the mouse you’ll be able to see which are available for your pet and choose the right one for you. 

When you're looking for insurance for your pet, we want you to have as much choice as possible, so that you can choose the right policy for your pet. We can’t promise to have quotes from every single company, because some companies don’t want to be included on comparison websites. You can find out more about how we work here.

There are some general exclusions from many providers, so you need to make sure your pet is definitely covered under the terms. These include, for example, some insurers who exclude dogs or cats older than 10 years.

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