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PET INSURANCE
SUPER SAVE UP TO
£204
ON YOUR PET INSURANCE1
151% of consumers could save up to £204.48 a year on Lifetime Pet Insurance. Consumer Intelligence , May 2022. UK only.
Compare quotes from leading pet insurance brands
When it comes to protecting your furry friend, it’s important to shop around for the right cover that suits what you both need.
That’s why we work with over 25 leading pet insurance companies, to bring you the best deals.
Why compare pet insurance with MoneySuperMarket?
Quick and Easy
All we need is some basic information about you and your pet, and with just a few clicks you can purchase a policy for the price you see it.
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Join the thousands of people using MoneySuperMarket to find great value deals on insurance and more.*
Want to insure more than one dog or cat?
With MoneySuperMarket you can cover up to seven cats, dogs or both under one policy.
Click and see if you can save.
Do I need pet insurance?
In the UK, it is not a legal requirement to insure your pets, but that doesn’t mean it’s unnecessary. Pets are part of the family, so when your beloved four-legged friend suffers a mishap like an injury or illness, it can be upsetting and often expensive.
Veterinary costs can reach into hundreds of pounds for single treatments, and chronic conditions can turn into expensive long-term problems. But pet insurance can help you cover these medical costs and ease the pressure on your finances. So, you can focus on helping your companion get better.
What types of pet insurance can I get?
There are four common types of pet insurance to choose from, each with different levels of cover and cost:
Lifetime
With lifetime cover your pet will be covered for their whole life for most of their medical needs.
Time limited
Your pet will be covered for a limited term per condition (usually 12 months).
Per condition
Also known as ‘maximum benefit’, your pet will be covered for a fixed amount per condition.
Accident only
Your pet will only be covered if they have been injured in an accident. No cover for illness.
What’s covered by pet insurance?
A lifetime pet insurance policy, which is the most comprehensive policy type, will cover most of your vet bills during your pet’s lifetime.
What is covered
Vet bills for injury or illness
The cost of finding a lost pet
Therapies and prescriptions
Emergency cattery and kennel fees
What is not covered
Elective or cosmetic treatments
Routine check-ups and treatments
Neutering or spaying
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:
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.
Decide on your excess
By agreeing to pay a certain amount of your vet bills you can reduce the cost of your policy.
Compare pet insurance providers
You can use our comparison tools to find a great value policy with cover tailored to you and your pet.
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.
Pay yearly or monthly
If you can afford it, it can sometimes be more cost effective to pay for your pet insurance on a yearly basis rather than monthly.
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.
How to compare pet insurance quotes
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
What is the cheapest pet insurance?
How much is pet insurance?
How to reduce the cost of pet insurance
What do I need to run a pet insurance quote?
Does pet insurance cover pre-existing conditions?
How does my pet’s age affect pet insurance costs?
How do vaccinations affect pet insurance?
Do I need to pay an excess for pet insurance?
Can I cover more than one pet on the same policy?
The cheapest pet insurance type is accident only, which will only cover your pet for accidental injury. This means that you will not be covered for illnesses or vet costs outside of accidental injury.
Insurers may charge you more to spread the cost of your pet insurance in monthly payments so it can often work out cheaper to pay for a policy upfront for the year. The cost of pet insurance will be determined by the policy type but will also vary depending on the type of and breed of your pet, its age and any existing medical conditions.
Here are some money-saving tips to help bring down the cost of cover:
Keep your pet healthy: whether it’s feeding your pet a nutritional diet or keeping on top of its vaccinations, having a healthy pet will help lower your premiums.
Opt for a higher excess: your premium is likely to decrease if you’re willing to pay a higher excess on any claim you make. But keep the excess affordable in case you have to pay it.
Take out multi-pet cover: some insurers offer a discount of 5% - 10% if you insure more than one pet on a single policy.
Pay annually: paying for your policy upfront is usually cheaper as some insurers charge interest on monthly instalments.
It always pays to shop around for cover to see what policies and prices are best suited to your pet and your budget.
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
If your pet already has a pre-existing condition you’ll still be able to get pet insurance, but it’s likely that the insurer won’t cover vet treatment for that particular medical condition. If you want to be covered for these conditions, you’ll need to look for specialised cover – but bear in mind that you might not be able to claim straight away.
Your pet’s age is one of the things that affects the cost of pet insurance. Generally speaking, the older your pet is, the more expensive your premiums will be. This is because they’re more likely to develop health problems and need vet treatment as they get older.
It’s important to keep your pet’s vaccinations up to date, because this protects them against the most common illnesses and diseases. The cost of getting vaccinated is not covered by pet insurance, but keeping all your pet’s vaccinations up to date can mean cheaper premiums. If you don’t get your pet vaccinated, and they get ill with a disease that could have been prevented with a vaccine, your insurer will be unlikely to cover the treatment costs.
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.
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Here's a break down of fees and what to expect should your pet fall ill.
Lifetime pet insurance guide
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Multi-pet insurance
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Which breed of dog is right for you?
Match your pet-preferences with the ideal pooch.
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