Skip to content

PET INSURANCE

Compare Tailored Pet Insurance Quotes In Minutes

  • Super save up to £248 on your existing cover¹

  • Access rewards on SuperSaveClub with your purchase²

  • See our best quotes from 36 trusted UK insurers³

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. 

company logo for animal-friends-v2
company logo for argos-v2
company logo for healthy-pets-v2
company logo for jlewis-pet-insurance-logo-v2
company logo for more-than-v2
company logo for sainsburys-v2
company logo for Tesco Bank

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

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

3Accurate as of March 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".

dog bowl illustration

4 Research 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 type of pet insurance policy should I get?

With MoneySuperMarket, you can compare four types of pet insurance. It's important to choose a plan that matches your pet's health requirements and your financial situation.

If you're looking to protect against costly but short-term incidents or illnesses, an accident-only or time-limited policy may be ideal.

For ongoing care of chronic conditions, a lifetime or maximum benefit policy could provide the necessary financial support over the long term.

  • 1

    Lifetime

    Lifetime pet insurance offers coverage 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.

  • 2

    Time-limited

    With a time-limited pet insurance policy, there is a fixed amount you can claim for treatment, as well as a time 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.

  • 3

    Maximum Benefit

    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.

  • 4

    Accident Only

    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.

What does pet insurance cover?

Pet insurance coverage varies based on the policy you choose, but typically includes veterinary treatment for both accidents and illnesses. Here's a detailed look at what a pet insurance policy may offer:

  • Tick

    What is typically covered?

    • Diagnostic costs for illnesses: This encompasses the expenses for consultations, examinations, tests, x-rays, MRIs, medication, bandages, surgery, and hospital stays.

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

    • Alternative therapies: Coverage may extend to treatments like hydrotherapy or acupuncture if recommended by your vet.

    • The cost of finding a lost pet: Advertising costs to help find your lost or stolen pet and the cost of a reward. Some policies may cover the cost of a replacement pet if yours is not found.

    • Third-party liability cover: This is usually specific to dogs and will cover you if they injure another person, pet, or damage someone's property. Some policies may offer liability coverage for pets other than dogs, such as cats or exotic animals.

    • Euthanasia: If it becomes necessary to prevent further suffering, the cost of euthanising your pet is covered.

    • Boarding fees: If you're hospitalised for emergency medical treatment, the policy may cover the cost of placing your pet in a kennel or cattery.

    • Overseas travel cover: If your pet becomes ill or is injured while abroad, some policies may cover the veterinary treatment needed.

  • Cross

    What is not typically covered

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

    • Routine care: Pet vaccinations, regular vet check-ups, and preventative treatments such as flea and worm medications are usually out-of-pocket expenses.

    • Parasite control: Preventive treatments for parasites like fleas, ticks, and heart-worm are often excluded from coverage, as they are considered part of routine care.

    • 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

    • 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

    • Cremation and burial: While euthanasia might be covered in certain situations, the costs for cremation or burial are generally not included in pet insurance policies.

    • Training and obedience classes: Expenses for training, including obedience classes or behavioural modification training, are usually not included in pet insurance coverage.

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

How much is pet insurance?

The cost of pet insurance is subject to change as your pet grows older, but age isn't the only factor influencing your premium. Insurers consider a multitude of elements, such as:

  • The type of cover you select: There are different forms of pet insurance available, ranging from lifetime coverage, which is the most comprehensive and costly, to accident-only policies, which are more affordable.

  • Your pet's breed: Insuring pedigree pets typically costs more due to their higher value and increased susceptibility to hereditary conditions.

  • Your location: Vet fees vary by region, and this is often reflected in your insurance premium, with urban areas tending to be more expensive than rural ones.

  • History of claims: If you have previously claimed on your pet insurance, expect your premium to rise accordingly.

For a more comprehensive understanding of pet insurance costs, you can refer to our detailed guide, 'How much is pet insurance?'

Example Quote When Comparing Pet Insurance

provider logo

Animal Friends

  • Annual Price

    £56.40

  • Monthly Price

    £4.70

  • Vet Excess

    £159


Great for

  • Vet Advice Line
  • Per Accident Limit of £2,500
  • No Annual Policy Limit

But be aware that

  • Lost or stolen coverage not included
  • Legal advice not included
  • Death by illness or accident not included

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.


Learn more about our full pet insurance quote methodology here.

How can I make my pet insurance cheaper?

When it comes to pet insurance, the least expensive option isn't always the best choice. It's crucial to ensure that your pet has the appropriate coverage to meet their specific needs.

However, reducing the cost of pet insurance can be achieved through a few practical steps.

  • Maintain your pet's health: Regular vaccinations, microchipping, and a high-quality diet contribute to your pet's overall health, potentially reducing vet visits and the likelihood of claims that could increase future premiums.

  • Opt for multi-pet coverage: Insuring all your pets under one policy might offer a more favourable rate

  • Consider co-insurance options: Pet co-insurance can be a cost-effective solution for insuring older pets.

  • Shop around for insurance: Comparing different pet insurance plans can help you find the best deal.

  • Adjust your excess: Choosing to pay a higher excess for each claim can lower your premiums, but ensure that the excess amount is manageable for you in case of a claim.

  • Be aware of age restrictions: Some less expensive policies may not cover older pets, which could result in higher costs over time.

  • Pay annually: Monthly payments often include interest, so paying for your insurance annually can be more economical.

Can I get pet insurance for pre-existing conditions?

Standard pet insurance policies typically do not cover pre-existing medical conditions.

There are specialist insurers who may provide coverage for pets with pre-existing conditions if the pet has not exhibited symptoms or required treatment for the condition after a certain period.

Purchasing a lifetime policy for your pet at a young age and consistently renewing it can ensure coverage for chronic health issues that may arise later.

Alternatively, you can choose to exclude the pre-existing condition from your policy, which would mean paying for its treatment out-of-pocket, but you would still be eligible to claim for any new conditions that develop.

Find out more about pet insurance with pre-existing medical conditions.

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

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.

Based on 370 reviews
our customers rate us

4.8/5

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  

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!5

5Restrictions 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.

  • Whip your credit score into shape with Credit Monitor

  • Super save over and over again with Energy Monitor

  • There are always more ways to save with MoneySuperMarket 

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.