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  • See our best quotes from leading UK insurers

  • Super save up to £248 on your existing cover¹

  • Get access to free days out with SuperSaveClub when you buy²

Compare pet insurance quotes from 36 trusted UK insurers3

Get tailored pet cover at the right price by comparing deals from leading UK insurers, all in one place. 

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

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

*Pre-existing medical condition polices are currently not included in our SuperSaveClub promotion

3Accurate as of February 2024

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 with veterinary treatment costing hundreds of pounds just for a single treatment, and chronic conditions like arthritis in a dog costing over £20004.

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. 

dog bowl illustration

4Research conducted by the Association of British Insurers June 2023

What pet would you like to insure?

  • Dog

    Old or young, we offer a range of dog insurance policies for you to chose from to ensure your dog is fully covered.

  • Cat

    Whether you have an indoor or outdoor cat, insure them to protect from any accidents or injuries that can occur, or health issues that could develop.

  • Rabbit

    Your bunnies need protecting too! Treating your rabbit's injuries or illnesses is just as important as your dogs or cats.

  • Horse

    Equine insurance can cover accidents, illnesses, and can offer protection for your equipment, loss of your horse and more.

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

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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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.

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

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. 

Saarrah Mussa

Our expert says


Sometimes you can save a couple of pounds monthly with a cheaper pet insurance policy, but when things do go wrong and vet bills are piling up, you could lose more money if your policy doesn't cover those costs. When choosing pet insurance, it’s important to consider what could happen to your pet in its lifetime and ensure you have the right cover to match.

- Saarrah Mussa, Insurance expert

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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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.