Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 84%[10] of customers choose lifetime pet insurance
Cavalier King Charles Spaniel pet insurance
Compare Cavalier King Charles Spaniel insurance
Quotes from £3.99[1]
Complete a purchase and earn a £10 reward with super save club logo
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Do I need Cavalier King Charles Spaniel pet insurance?
Pet insurance isn't a legal requirement in the UK. But it can help with unexpected costs if your Cavalier King Charles Spaniel becomes ill, is injured or is involved in an incident.
Depending on the policy, Cavalier insurance can help cover costs if:
Your Cavalier becomes ill, is injured or needs to be put down
Your Cavalier is lost or stolen
Your Cavalier injures someone or damages their property, including their pets
How much is Cavalier King Charles Spaniel dog insurance?
Cheapest monthly price
£3
.99[1]
Average monthly price
£12
.31[4]
Are Cavalier King Charles Spaniels expensive to insure?
Cavalier King Charles Spaniels cost almost exactly the same as the average dog to insure.
The price you pay will also depend on factors including your Cavalier's age, health and medical history, where you live and the type of policy you choose.
The average cost of dog insurance is £12.33[5]a month, compared with £12.31[4] a month for a Cavalier King Charles Spaniel.
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%[6] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[6] more.
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%[6] on average.
You can find much bigger savings of up to 40.41%[7] by selecting an accident-only insurance policy, but you will get much more limited cover.
How much is the average pet insurance claim?
£685[8]
According to the Association of British Insurers (ABI)
What type of Cavalier King Charles Spaniel insurance should I get?
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Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
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Time limited cover
Covers your pet for a specific period of time (usually 12 months).
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Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 40.41%[7] cheaper on average
What is the most common pet insurance claim for Cavalier King Charles Spaniels?
These are the most common claims made on Cavalier King Charles Spaniel pet insurance, according to The Insurance Emporium.
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies cover injuries such as broken bones or burns, but they won’t cover illnesses like heart conditions. So if your Cavalier King Charles Spaniel developed heart disease, you’d need to pay an average of £295[9] yourself.
Time-limited and maximum benefit policies do include illness cover, but only up to a fixed time period or payout limit. Once you hit that limit, ongoing and recurring conditions like arthritis won’t be covered anymore. This could leave you facing repeated out-of-pocket costs of £130[9].
Lifetime policies renew the vet fee limit every year, meaning you can continue claiming for long-term conditions. However, premiums tend to rise annually, and changing insurer usually means existing conditions will no longer be covered.
What does Cavalier King Charles Spaniel insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet billse.g. medicines, treatments and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Dental treatment for accidents, like breaking a tooth
✔ Alternative therapies e.g. hydrotherapy or acupuncture (when recommended by a vet)
✔ Euthanasia (putting pets down)
✔ Lost and stolen pets e.g. advertising, rewards, refund of purchase price
✔ Third party liability cover e.g. your dog harms someone or their property
✔ Emergency boarding fees e.g. if you are unexpectedly hospitalised
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Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Training and obedience classes
✖ Banned breeds or dog breeds classed as dangerous
✖ Unvaccinated or unmicrochipped animals
Can I get pet insurance if my Cavalier has a pre-existing condition?
Yes, you may still be able to insure a Cavalier King Charles Spaniel with a pre-existing condition.
Standard policies usually won't cover conditions that existed before the policy began. Specialist pet insurance may cover some pre-existing conditions, although it can cost more and may have additional limits or exclusions.
Can I get pet insurance if my Cavalier is aggressive?
Yes, some insurers may still cover your Cavalier if it has shown aggressive behaviour.
You'll need to accurately declare previous biting, aggression or other behavioural incidents when getting a quote. These could affect your premium or the cover an insurer is prepared to offer.
What health issues do Cavalier King Charles Spaniels have?
Cavalier King Charles Spaniels can be prone to several health problems, including:
Mitral valve disease
Chiari-like malformation and syringomyelia
Eye conditions
Luxating patellas
Curly coat and dry eye syndrome
Episodic falling syndrome
Are Cavalier King Charles Spaniels an aggressive dog breed?
No, Cavalier King Charles Spaniels aren't generally known for being aggressive.
They're companion dogs and are typically described as gentle, loyal and keen to be around people. However, temperament varies between individual dogs, and good training and early socialisation are still important.
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685[8] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[12]) or cat (£81.48[13]).
And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Cavalier King Charles Spaniels make good pets?
Yes, Cavaliers can make excellent pets, particularly for households where they will have plenty of company.
They're generally affectionate, gentle and adaptable dogs that enjoy spending time with their owners.
How long do Cavalier King Charles Spaniels live?
Cavalier King Charles Spaniels typically live for more than 12 years, although an individual dog's lifespan will depend on factors including its genetics, health and care.
How much exercise does a Cavalier need?
Cavalier King Charles Spaniels need at least one hour of exercise a day.
This can be divided between walks, play and opportunities to exercise safely off-lead. Mental stimulation and regular training are important too.
Are Cavalier King Charles Spaniels high maintenance?
They can be when it comes to grooming and companionship.
Their medium-length coats may need daily brushing to prevent matting, and Cavaliers tend to prefer having people around rather than spending long periods alone.
Can Cavalier King Charles Spaniels be left alone?
Cavaliers generally don't like being left alone for long periods and can develop separation anxiety.
Getting your dog gradually used to spending short periods alone can help, but they're best suited to homes where they'll have plenty of company.
Are Cavalier King Charles Spaniels easy to train?
Cavaliers are usually eager to please and can respond well to training.
Positive, reward-based training and socialisation from an early age can help your Cavalier develop into a confident and well-behaved adult dog.
Are Cavalier King Charles Spaniels good with children?
Cavaliers can be good family dogs when properly socialised.
They're generally known for enjoying human company, but dogs should always be supervised around children and given somewhere quiet to retreat if they need a break.
Are Cavalier King Charles Spaniels good with other pets?
They can be. Well-socialised Cavaliers generally get along with other dogs and may live happily with cats if introduced appropriately.
However, their spaniel ancestry means some Cavaliers can have a prey drive around smaller animals.
Compare pet insurance quotes from the UK's leading insurers
We compare quotes from 37[14] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.
What information do I need to get a pet insurance quote?
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Pet’s age
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Pet's breed or size
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Pet's cost
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Pet's behavioural history
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Pet's medical history
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Pet's health*
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
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Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
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Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
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Sign up to SuperSaveClub (it's free)
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Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £10
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 23 Sep 2026
Sources and supporting information
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[1]
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[4]
Based on the 51st percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote.
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[5]
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.33 per month for dog insurance based on quotes created on MoneySuperMarket in the month of August 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
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[6]
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
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[7]
Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.
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[8]
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
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[9]
Based on the Insurance Emporium's claims data, January-June 2026
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[10]
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.
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[11]
Based on The Insurance Emporium's claims data, January to December 2025
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[12]
Based on the median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[13]
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between June 2026 and August 2026 where only 1 pet was included in the quote and more less than 1 year old.
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[14]
Accurate as of 18 September 2026.
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[15]
T&Cs and restrictions apply, see here for more information
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[16]
T&Cs apply, click here for more information
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[17]
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
