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Compare quotes for various breeds, ages and medical conditions, accidents, and illness to ensure your dog's health.
Save up to £243[3]51% of consumers could save up to £243.72 on Lifetime Pet Insurance with no pre-existing medical conditions. Consumer Intelligence , December 2024. Exc NI, CI, IOM on your pet insurance
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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.
In the UK, pet insurance isn't mandatory, but it's wise given the potential costs.
Pets can suffer from illnesses or injuries, leading to substantial vet bills. Most require treatment for various conditions at some point, and expenses can reach thousands of pounds per visit. Chronic issues like canine arthritis might cost over £2,0003.
Without insurance, these costs can be overwhelming. Insuring your pet ensures you don't have to worry about these expenses.
For further information, see our guide on the "Benefits of Pet Insurance".
3Research conducted by the Association of British Insurers June 2023
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.
Pet insurance typically covers veterinary care for accidents and illnesses, depending on the policy chosen. If you're not sure what's included, speak to the insurance provider or your vet directly.
Here's what a policy may provide cover for:
Diagnostic costs for illnesses e.g. consultations, X-rays, MRIs
Therapies and prescriptions
Alternative therapies e.g. recommended hydrotherapy or acupuncture
The cost of finding a lost pet e.g. advertising and rewards
Third-party liability cover - Mainly for dogs, covering damages they might cause.
Euthanasia
Boarding fees - In certain circumstances
Routine care e.g. pet vaccinations, boosters, regular check-ups
Fleas and worming
Dental treatment including routine check-ups
Elective or cosmetic treatments
Cremation and burial
Training and obedience classes
At MoneySuperMarket most customers paid less than£3.95[1]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 January 2025 where only 1 pet was included in the quote. a month for pet insurance with cat insurance averaging £8.11[4]Based on the 51 percentile of monthly premiums our customers were quoted less than £8.11 per month for cat 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 didnt have pre-existing medical conditions and dog insurance averaging £13.46[5]Based on the 51 percentile of monthly premiums our customers were quoted less than £13.46 per month for dog 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 didnt have pre-existing medical conditions.
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 many factors, such as:
The type of cover you select: More comprehensive policies are more expensive than basic or accident-only policies.
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 the cost of your policy.
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?'
Choosing the cheapest pet insurance isn't always the best option. It's important to find coverage that suits your pet's unique needs. To cut costs on pet insurance, consider these strategies:
Regular vaccinations, boosters, and microchipping, can lower future premiums
Adding all your pets under one policy can get your premiums discounted
Using MoneySuperMarket, the UK's most recommended price comparison website, 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.
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/ neutering can prevent certain illnesses, helping reduce your premiums
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's crucial to consider what the policy covers and the actual cost of veterinary care if your pet gets sick. According to the ABI, the average claim in the UK was £668[7]ABI data 2023 in 2023, almost 50% higher than the average cost of a policy. Consulting your vet about potential conditions and their costs can help you choose the right coverage for your pet.
Lauren Chong Pet Insurance Expert & Registered Vet
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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.
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.
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.
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.
You can usually get pet insurance that starts immediately, but there may be a waiting period before you can claim for certain conditions. This is typically 48 hours for accidents and 14 days for illnesses.
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.
It is usually cheaper to pay for pet insurance annually rather than monthly. This is because most insurers offer a discount for paying upfront. However, if you're on a tight budget, you may prefer to pay monthly.
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.
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