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Compare Tailored Pet Insurance Quotes In Minutes

  • Super save up to £248 on your existing cover¹

  • Access rewards on SuperSaveClub with your purchase²

  • Price Promise to make sure you get the cheapest pet insurance⁴

Compare pet insurance quotes from trusted UK insurers

Get tailored pet cover at a competitive price by comparing deals from insurers, all in one place. 

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151% of consumers saved up to £248.91 on Lifetime Pet Insurance. Consumer Intelligence, December 2023. UK Only.

2Restrictions and T&Cs apply, click here for details.

3Accurate as of February 2024

Do I need pet insurance?

In the UK, you don't legally have to insure your pets, but it's still a good idea when you consider the costs.

Pets can get sick or injured which can lead to big vet bills. Most cats and dogs will need veterinary treatment at some point for injury or illness. Vet bills can also be very expensive, sometimes even thousands of pounds for one visit. Long-term issues such as arthritis in dogs can cost over £2,0004.

As a pet owner, if you don't have pet insurance, these bills can be difficult to pay. Insure your pet's health for peace of mind so if they do need medical treatment you don't have to worry about the cost.

For more advice, read our guide on the "Benefits of Pet Insurance".

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⁴Research conducted by the Association of British Insurers June 2023

Tailored coverage options for your peace of mind

  • Dog Insurance

    Explore our range of dog insurance policies, designed for all breeds and ages. Covering various medical, accident, and illness scenarios, they ensure your dog's health is protected.

  • Cat Insurance

    Find the right insurance for your mischievous Main Coon or regal Ragdoll. Protect against health issues and accidents, with options for kittens insurance too, keeping your feline safe no matter their age.

  • Rabbit Insurance

    You can also get insurance for small pets like rabbits. Rabbit vet bills can be as high as those for cats and dogs, so it's good to have insurance that covers your bunny's health needs.

  • Horse Insurance

    Equine insurance offering policies for both horse and rider. Explore coverage that includes medical treatment, protection for riding equipment against theft or damage, and compensation for loss of use of your horse.

What types of pet insurance can I get?

MoneySuperMarket offers 4 types of pet cover with features to suit differing needs and budgets:

  • Lifetime policy

    With lifetime cover your pet will be covered for their whole life for most of their medical needs and this includes cover for any conditions that your pet may develop while you're insured.

  • Time-Limited 

    Time-limited offers a fixed sum for each illness or injury your pet gets. Your pet will be covered for a limited term per condition (usually 12 months).

  • Per condition

    Also known as ‘maximum benefit’, you will get a fixed amount that your pet will be covered for and you can claim per condition. There is no time limit on how long you can claim.

  • Accident only 

    This is one of the cheapest policies. Your pet will only be covered if they have been injured in an accident. This policy will not provide cover for any illnesses.

How much is pet insurance?   

At MoneySuperMarket, the average dog insurance premium is £9.67 per month* and cat insurance is £5.84*.

The cost of insurance depends on a range of factors, including your pet's age, breed, gender, and previous medical history. Other factors that affect the cost are your location and the type of policy you take out.

To find out more, read our guide: how much is pet insurance?

*51% of consumers were quoted this price or less for lifetime pet insurance covering a single cat/dog with no pre-existing conditions.

What’s the cheapest pet insurance?

The most basic and cheapest pet insurance type is accident only, which will only cover your pet for an accidental injury.

This means that you will not be covered for any vet costs relating to illnesses or diseases, pre-existing conditions.

Accidental injury is not to be confused with accidental damage caused by a pet, which falls under home insurance.

What will be covered by pet insurance?

  • Tick

    What is covered

    • Vet bills for injury or illness: Veterinary fees associated with diagnosing and treating illnesses and/or injuries

    • The cost of finding a lost pet: Advertising costs to help find your lost or stolen pet and the cost of a reward

    • Therapies and prescriptions: Any further therapy treatment and necessary prescriptions required

    • Emergency cattery and kennel fees: Help cover the cost of your pet's boarding fees if you're in hospital or in a similar urgent situation

    • Third-party liability cover: This is specific to dogs and will cover you if they injure another person, pet, or damage someone's property

  • Cross

    What is not covered

    • Pre-existing conditions: if your pet has a medical condition, this will often require a tailored policy

    • Dental treatment: Any routine check-ups including dental treatment are usually not included

    • Neutering or spaying: While spaying or neutering your pet will not be covered, having this done may reduce the cost of your insurance

    • Vaccinations: Any veterinary fees associated with preventative treatments such as worming, flea treatments, or vaccinations will not be covered

    • Elective or cosmetic treatments: Most cosmetic treatments that aim to improve a pet's look or function are unlikely to be covered by your insurance

Save with multi-pet Insurance     

With MoneySuperMarket you can cover up to seven cats, dogs or both under one policy with multi-pet insurance.

You get the same level of cover for each pet, and can potentially enjoy discounted premiums with some providers.

Pet insurance for existing conditions

MoneySuperMarket works with a range of pet insurance providers that offer specialist cover for pets with pre-existing conditions.

While premiums may be higher for this type of insurance, you will have peace of mind that your pet has the right cover.

Lauren Chong

Our expert says


You may be able to save a few pounds a month with a cheap pet insurance policy, but you need to consider what that policy covers and the actual cost of veterinary care if your pet were to ever get sick. If you are unsure of how much cover your pet needs, I recommend speaking to your vet about the common conditions that could affect your pet in the future and the expected costs. This will help you find the right cover to match you and your pets needs.

- Lauren Chong, Pet Insurance Expert

What do I need to get a quote?

You’ll need to provide the following information so we can help you find you pet insurance quotes:

  • Your pet’s age

  • The breed or size of your pet

  • The health of your pet (and if it has been neutered)

  • How much you paid for your pet (if you bought it rather than adopting it)

  • Your pet’s behavioural history

  • Your pet’s medical history

pet carrier

MoneySuperMarket makes it easy to compare quotes on pet insurance

  • Save time

    MoneySuperMarket makes it easy to compare policies from a huge panel of pet insurance providers saving you the time and hassle of researching each provider individually

  • Save money

    Quotes are sorted from the least expensive, so you can quickly find a pet insurance deal that fits your needs and budget, and save money on your insurance premium.

  • Get tailored quotes

    With a wide range of policy options, you can find pet insurance that meets your unique needs and provides the coverage you need for you and your pet.

Pet insurance comparison rated highly by our customers

Our mission is to help save money on pet insurance by making it easy to compare quotes from many trusted insurers and our expert information and guidance will help you choose our best policy for your needs.

Join the hundreds of satisfied customers who have given great reviews of our pet insurance comparison service.

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Compare Pet insurance with MoneySuperMarket

Our comparison tools are quick and easy to use. In just a few steps you can get accurate quotes for policies tailored to you and your pet.

  • Tell us about your pet

    Give us a few details about your pet and the type of cover you’re looking for 

  • We’ll do the work

    We’ll put together a list of providers with appropriate cover for your specific needs

  • You’re on your way

    Pick the policy that is perfect for you and your pet  

How to find the best pet insurance?

Pet insurance isn’t ‘one-size-fits-all’ and the cheapest option won’t always be the best. To find a great value policy for you, here are some steps you can follow:

  • 1

    Decide how much cover you need

    The most comprehensive policy might not be the most cost effective, especially if you have an older pet or one with health problems. 

  • 2

    Decide on your excess

    By agreeing to pay a certain amount of your vet bills you can reduce the cost of your policy. 

  • 3

    Compare pet insurance providers

    You can use our comparison tools to find a great value policy with cover tailored to you and your pet. 

  • 4

    Shop for extra benefits

    Some pet insurance providers will have additional cover extras and options for your pet, like dental cover or pet travel insurance.

  • 5

    Pay yearly instead of monthly

    If you can afford it, it can sometimes be more cost-effective to pay for your pet insurance annually rather than monthly.

  • 6

    Keep a lookout for better deals

    Even if you already have pet insurance, there’s always the possibility that there is something better out there. 

Get the cheapest pet insurance deals with our Price Promise

We're so confident that we'll find you the cheapest pet insurance deal with MoneySuperMarket, that we're making a price promise to you.

If you find the same pet insurance policy for cheaper elsewhere, not only will we refund the difference, we'll also give you a gift card worth up to £20!4

⁴Restrictions and T&Cs apply, click here for details.

You’ll need to provide the following information so we can help you find you pet insurance quotes:

  • Your pet’s age

  • The breed or size of your pet

  • The health of your pet (and if it has been neutered)

  • How much you paid for your pet (if you bought it rather than adopting it)

  • Your pet’s behavioural history

  • Your pet’s medical history

The excess is the amount you’ll need to pay when you make a claim on your pet insurance. If you set a higher excess, this can bring your premiums down, but make sure you can afford the excess in the event of a claim. 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, so check your policy carefully before you buy. 

If you have more than one pet, you’ve got the option to take out separate pet insurance cover for each animal, or to get one policy for all your pets. This is known as multi-pet insurance, and it 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.

When you need to make a claim, call your insurer’s claims department and be sure to have your policy number, as well as the details of what happened to your pet and the vet fees you were charged or quoted. If your pet is already being treated, be sure to have all 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 can then review your claim. 

Pet insurance provides you with cover when the unexpected happens. Even if you have an indoor pet, health conditions can happen when you least expect them to, and when they find themselves feeling curious, accidents are also bound to happen. Vet fees don’t come cheap, which is why your insurance is there when you need it the most.   

If you’re still on the fence, take a look at our guide to see if you should get pet insurance. 

Be sure to talk to your veterinarian about your financial situation. While some vets offer credit plans and are able to provide you with some financial support to accommodate your situation, others may refer you to a less expensive vet facility.  

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.