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PET INSURANCE

Compare Tailored Pet Insurance Quotes In Minutes

  • Price promise means we won't be beaten on price¹

  • Access rewards on SuperSaveClub with your purchase²

  • Protect your pet for less than £8.28 per month³

Compare Pet Insurance Quotes From 37 Trusted UK Insurers⁴

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1Price Promise restrictions and T&Cs apply, click here for details.
2SuperSaveClub restrictions and T&Cs apply, click here for details.
351% of our customers were quoted less than £8.28 a month in March 2024.
4Providers accurate as of April 2024

Our Exclusive Pet Insurance Offers

  • ManyPets: Treat your dog to a new ManyPets policy and get a £40 Amazon.co.uk Gift Card. All our award-winning policies include dental accident, behaviour cover, free 24/7 video-vet and Perks. Offer ends 31/05/2024. Excludes cat only policies. T&Cs apply.

  • Perfect Pet: Free 1-Year Pet24 service - 24/7 Pet Reunification Service with your Personal ID Tag. Offers ends 31/05/2024. T&Cs apply.

  • The Insurance Emporium: Get an exclusive £5 discount to the premium of all annual policies. Offers ends 31/07/2024. Only available when purchased via Moneysupermarket.com. We reserve the right to change or withdraw the offer at any time.

Do I Need Pet Insurance?

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 £2,0005.

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".

dog bowl illustration

⁵Research conducted by the Association of British Insurers June 2023

Which Pet Would You Like to Insure?

  • Dog

    Designed for all breeds and ages, covering various medical conditions, accidents, and illness to ensure your dog's health.

  • Cat

    Protect against health issues and accidents, with options for kittens insurance too, keeping your feline safe no matter their age.

What Type of Pet Insurance Policy Should I Get?

Choose a pet insurance plan that fits your pet's health needs and your budget.

If you're concerned about covering one-time accidents or short illnesses, consider an accident-only or time-limited policy. For continuous care or chronic issues, a lifetime or maximum benefit policy may be more suitable for long-term financial support.

  • 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.

  • 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.

  • 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.

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 Does Pet Insurance Cover?

Pet insurance typically covers veterinary care for accidents and illnesses, depending on the policy chosen. Here's what a policy may include:

  • 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.

How Much is Pet Insurance?

At MoneySuperMarket most customers paid less than £8.43 a month for pet insurance with cat insurance averaging £5.61 and dog insurance averaging £9.506.

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?'

6MoneySuperMarket Data March 2024, represents the price 51% of customers paid

Cost of Pet Insurance

Cat

£5.61

Dog

£9.5

Multipet

£23.06

MoneySuperMarket Data April 2024, represents the price 51% of customers paid

Pet Insurance Example Quote

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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.

What Do I Need to Get a Quote?

You’ll need the following to determine your pet insurance quotes:

  • Pet’s age

  • Breed or size

  • Health (and if it has been neutered)

  • Cost (if you bought it rather than adopting it)

  • Behavioural history

  • Medical history

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How to Get Cheaper 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:

  • Maintain your pet's health: Regular vaccinations, microchipping, and a high-quality diet can reduce vet visits and claims, potentially lowering future premiums.

  • Opt for multi-pet coverage: Insuring all your pets under one policy may provide a better rate.

  • Consider co-insurance options: This can be cost-effective for older pets.

  • Shop around: Comparing different insurance plans helps in finding the best deal.

  • Adjust your excess: A higher excess can reduce premiums, but make sure it's affordable for you.

  • Be aware of age restrictions: Some cheaper policies may not cover older pets, leading to higher costs over time.

  • Pay annually: Monthly payments often include interest, so annual payments can save money.

Can I Get Pet Insurance for Pre-Existing Conditions?

Typically, standard pet insurance doesn't cover pre-existing conditions. However, some specialist insurers might offer coverage if your pet hasn't shown symptoms or needed treatment for the condition after a set period.

Consider buying a lifetime policy early and keeping it renewed to cover any chronic issues that may develop. Alternatively, you could exclude the pre-existing condition from your policy, covering treatment costs yourself while still being insured for new conditions.

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

We Make 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 you save money on pet insurance by making it easy to compare quotes from multiple trusted insurers and our expert information and guidance will help you choose the 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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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

7Restrictions 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.  



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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.