Compare dog insurance
Compare quotes for various breeds, ages and medical conditions, accidents, and illness to ensure your dog's health.
Quotes from £3.95[1] per month plus earn £5
We compare quotes from 37[4] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
Animal Friends: Protect your pet, treat yourself! Get a £30 Amazon.co.uk Gift Card with Animal Friends (Excludes Accident Only Coverage). Offer ends 30/06/2025. T&Cs apply. Restrictions Apply.
Waggel: Get your first month of pet insurance for free when you purchase this policy. Offer ends 02/07/2025. T&Cs apply.
Compare quotes for various breeds, ages and medical conditions, accidents, and illness to ensure your dog's health.
Get your cat insured to protect them against health issues and accidents, with options for kittens too, keeping your feline safe no matter their age.
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According to the ABI, this is record breaking, averaging £3.2 million a day
If you're a pet owner concerned about covering one-time accidents or short illnesses for your furry friend, consider an accident-only or time-limited policy for peace of mind. For continuous care or chronic issues, a lifetime or maximum benefit policy with a higher level of cover may be more suitable for long-term financial support.
Lifetime pet insurance offers lifetime cover for injuries or illnesses without a time restriction per condition, but there is typically an annual limit on the amount you can claim for each condition.
Continuous coverage for the illness or injury is provided each year as long as the policy is renewed. It's important to note that this type of insurance covers new conditions only, excluding any pre-existing ones.
Also known as 'per condition', maximum benefit pet insurance covers each injury or illness up to a certain financial limit.
Unlike annual policies, the limit does not reset each year, allowing you to claim for the same condition continuously until the specified limit is reached, provided the policy is renewed regularly.
With a time limited pet insurance policy, there is a fixed amount you can claim for treatment, as well as a time limit restriction, typically set at 12 months.
Once this period expires or you hit the cost cap, you cannot claim for that condition again.
Similar to other policies, pre-existing conditions are not covered under this type of insurance.
Accident only pet insurance is designed to assist with the expenses of treatment in the event that your pet is involved in an accident.
This type of policy does not extend to illnesses or diseases and does not include additional benefits. Also, any pre-existing conditions that your pet may have are not covered under this insurance.
Cover varies by provider and policy, so always check your insurance documents.
✔ Vet bills e.g. medicines, therapies and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Alternative therapies e.g. hydrotherapy or acupuncture
✔ Euthanasia
✔ Lost and stolen pets e.g. advertising, rewards, cost of animal
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. while you are hospitalised
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
At MoneySuperMarket most customers paid less than £16.63[12] a month for pet insurance with cat insurance averaging £11.21[9] and dog insurance averaging £18.60[10].
The cost of pet insurance is subject to many factors, such as:
The type of cover you select
Your pet's age
Your pet's breed
Your location
History of claims
For a more comprehensive understanding of pet insurance costs, you can refer to our detailed guide, How much is pet insurance?
51% of our customers pay this amount or less for a pet with no preexisting issues
According to the Association of British Insurers (ABI)
Using MoneySuperMarket, the UK's most recommended price comparison website[15], you can compare prices from the UK's leading insurers. You can also filter for the cheapest cover or the most comprehensive policies, ensuring you get the perfect coverage for your pet at the best price.
Adding all your pets under one policy can get your premiums discounted
Regular vaccinations, boosters, and microchipping, can lower future premiums
Excess is the amount you have to pay towards every claim you make. A higher excess can reduce premiums, but make sure it's affordable for you
Monthly payments often include interest, so annual payments can save money
Spaying and neutering can prevent certain illnesses, helping reduce your premiums. Find out the differences between spaying and neutering your cats and spaying and neutering your dogs.
Yes. For pre-existing conditions, you can opt for specialist pet insurance. These policies cover most existing health problems but may be pricier due to ongoing treatments.
Buying a lifetime policy early can help protect your pet if they develop a condition later on.
is how much it usually costs to treat diabetes in cats or dogs
Vet bills have become so expensive that the Competition and Markets Authority (CMA) launched a formal Market Investigation into the veterinary sector. Pet owners facing extreme costs can be forced to make very tough choices. The RSPCA report that in 2024 there were 22,503 incidents relating to an abandoned animal.
According to the CMA, 25% of pet owners don't know they can shop around for medicines: you do not have to buy them through your vet. Several charities also help lower-income households with some of their vet bills. The RSPCA, the Blue Cross, Dogs Trust and Cat Protection all run these sort of schemes. Charities also run pet food banks across the UK.
Alicia Hempsted Editorial Content Manager/Deputy Spokeperson
Your pet’s age
Your pet's breed or size
Their health (and if they have been neutered and vaccinated)
The cost (if you bought them rather than adopting)
Behavioural history
Medical history
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Customers say we offer an easy, hassle-free way to find affordable pet insurance with plenty of choices. They love our competitive prices, clear policy information, and quick comparison journey, giving them peace of mind knowing their pets are covered.
With only 2 steps to get a quote, MoneySuperMarket makes it easy to compare policies from a wide range of the UK's leading insurance providers.
Save up to £220[16] and sort providers by cost and coverage levels to find a deal that suits your budget and needs, saving you money on premiums.
Click through your chosen provider and get your pet covered as soon as you buy your policy and unlock a year of rewards with SuperSaveClub[17]
Keep up to date and find out all you need to know with our latest guides.
Your pet's age is a major factor in pet insurance. Younger pets are generally healthier and less likely to need expensive veterinary care, so their premiums will be lower. Older pets are more likely to develop health problems, so their premiums will be higher.
Yes, you can usually get cover that starts immediately. However, there is likely to be a waiting period before you can make a claim. This is typically 48 hours for accidents and 14 days for illnesses.
Yes, you will almost certainly have to pay an excess (a pre-set contribution to the costs) every time you claim on your pet insurance. Some insurers will ask you to pay a flat fee for the excess, whereas others will ask for a flat fee plus a percentage of the remaining cost. Check your policy for more details.
Setting a higher excess can bring your premiums down, but will make claims less affordable.
Yes, you can get multi-pet insurance, where all your pets are covered under one policy.
Multi-pet insurance can make it easier to manage your pet cover. It can also be cheaper, because many insurers offer discounts if you cover more than one animal on the same policy.
Call your insurer’s claims department with your policy number, details of what happened to your pet and the vet fees you were charged or quoted. If your pet is already being treated, you'll also need to provide the details of the condition and the treatment required.
Once you fill in a claim form and provide your insurer with all the necessary documentation to support your claim, your insurer will review your claim.
It is usually cheaper to pay for pet insurance annually rather than monthly. This is because most insurers offer a discount for paying upfront.
Pet insurance can financially protect you from paying some very big bills. Veterinary treatment is often expensive, especially if your pet develops a chronic condition. With insurance in place you will not have to worry about whether you can afford to give your pet all the treatment it needs if it becomes ill or injured.
Pet insurance can also protect you if your pet harms someone or their property (including their pets). As a pet owner, you are responsible for any damage your animal causes - and even the best-behaved pets can be unpredictable.
Talk to your veterinarian about your financial situation. Some vets offer credit plans and are able to work with you to accommodate your situation, others may refer you to a less expensive vet facility.
You can also shop around for medicines: you do not have to buy them through your vet.
Several charities also help lower-income households with some of their vet bills. The RSPCA, the Blue Cross, Dogs Trust and Cat Protection all run these sort of schemes.
Based on the 10 percentile of monthly premiums our customers were quoted less than £3.95 for pet insurance based on quotes created on MoneySuperMarket in the month of December 2024 where only 1 pet was included in the quote.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
T&Cs apply, click here for more information
Accurate as of 16 June 2025.
T&Cs and restrictions apply, see here for more information
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on the 51 percentile of monthly premiums our customers were quoted less than £11.21 per month for cat insurance based on quotes created on MoneySuperMarket in the month of May 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51 percentile of monthly premiums our customers were quoted less than £18.6 per month for dog insurance based on quotes created on MoneySuperMarket in the month of May 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51 percentile of monthly premiums our customers were quoted less than £31.68 for pet insurance based on quotes created on MoneySuperMarket in the month of May 2025 where more than 1 pet was included in the quote and none of the pets had pre-existing medical conditions
Based on the 51 percentile of monthly premiums our customers were quoted less than £16.63 for pet insurance based on quotes created on MoneySuperMarket in the month of May 2025 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51 percentile of monthly premiums our customers were quoted less than £10.96 for pet insurance. Based on quotes created on MoneySuperMarket in the month of January 2025 where only 1 pet was included in the quote and the pet didn't have pre-existing medical conditions
ABI data 2023
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
51% of consumers could save up to £220.32 on Lifetime Pet Insurance with no pre-existing medical conditions. Consumer Intelligence, May 2025. Exc NI, CI, IOM
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Pet insurance comparison rated highly by our customers
See all reviewsAfter 8 years with the same Pet Insurance I received a renewal for almost double my premium, I tried MoneySupermarket for the first time. So easy to use and I was so surprised to see how quick my Pet Insurance quotes came through. The quote I went with gave me everything I had with my previous Insurer, with a monthly cost lower than I had been paying. Thank you Super MoneySupermarket
Anonymous
I looked at various comparison sites but MoneySuperMarket gave me the cover I needed that was better than I'd seen elsewhere
Ray
Easy and straightforward, plenty of choices for everyone, quick completion
Monika Bailey
Easy and quick to set up, piece of mind knowing my puppy is covered
Fay Rushby