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Whippet pet insurance

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Do I need Whippet pet insurance?

Pet insurance isn't a legal requirement in the UK. But it can help cover unexpected costs if your Whippet becomes ill, gets injured or is involved in an incident.

Depending on your policy, Whippet insurance can cover costs if:

  • Your Whippet is ill, injured or needs to be put down

  • Your Whippet is lost or stolen

  • Your Whippet harms someone or damages their property, including their pets

Whippet

How much is Whippet insurance?

Cheapest monthly price
£3
.75[4]
Average monthly price
£12
.30[5]

Are Whippets expensive to insure?

Whippets cost slightly more than the average dog to insure, although the difference is very small. The average cost of dog insurance is £12.33[6] a month, while Whippet insurance costs an average of £12.30[5] a month.

Your premium will also depend on your Whippet’s age, medical history and location, along with the level of cover you choose.

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%[7] more for their pet insurance. A pet that has had complaints made about it will cost its owners 6.34%[7] 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%[7] on average.

You can find much bigger savings of up to 40.41%[8] by selecting an accident-only insurance policy, but you will get much more limited cover.

How much is the average pet insurance claim?
£685[9]

According to the Association of British Insurers (ABI)

What type of Whippet insurance should I get?

  • Pet icon

    Lifetime cover

    Protects your pet for life, as long as the policy is renewed each year.

    📍 84%[11] of customers choose lifetime pet insurance

  • Pet icon

    Maximum benefit

    Sets limits on how much you can claim for any given illness or injury.

  • Pet icon

    Accident only cover

    The cheapest option, but it only covers accidents, not illnesses.

    📍 Accident only policies are 40.41%[8] cheaper on average

What is the most common pet insurance claim for Whippets?

These are the most common claims made on Whippet pet insurance, according to The Insurance Emporium.

Claim type

Claim amount

External wound

£544[10]

Undiagnosed mass

£963[10]

Osteoarthritis

£178[10]

Meningoencephalitis

£670[10]

Seizures

£214[10]

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 meningoencephalitis. So if your Whippet developed meningoencephalitis, you’d need to pay an average of £670[10] 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 osteoarthritis won’t be covered anymore. This could leave you facing repeated out-of-pocket costs of £178[10].


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 Whippet 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

  • Not typically covered

    ✖ Pre-existing conditions

    ✖ Routine care e.g. pet vaccinations, boosters, regular check-ups

    ✖ Routine dental treatment including routine check-ups

    ✖ Fleas and worming

    ✖ Neutering or spaying

    ✖ 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 Whippet has a pre-existing condition?

Yes. You can often still get pet insurance if your Whippet has a pre-existing condition, but a standard policy is unlikely to cover treatment related to it.

You may need specialist pet insurance if you want the existing condition covered. Specialist policies can cost more and may still have limits or exclusions.

Can I get pet insurance if my Whippet is aggressive?

Possibly. Some insurers will still offer cover if your Whippet has shown aggressive behaviour, but you should declare any previous incidents when getting a quote.

Your dog's behavioural history could affect the price or terms of your policy, including the third-party liability cover available.

What health issues do Whippets have?

Whippets are generally considered a fairly healthy breed, but they can still develop certain illnesses and injuries, including:

  • Cuts and skin wounds

  • Bone injuries

  • Eye conditions, including progressive retinal atrophy

  • Mitral valve disease

  • Immune-mediated conditions

Their thin skin can make Whippets particularly vulnerable to cuts while running through rough vegetation, while their speed can also put them at risk of injuries when exercising on uneven ground.

Are Whippets an aggressive dog breed?

No, Whippets are generally known for being gentle and affectionate rather than aggressive.

However, any dog can behave aggressively if it's frightened, stressed or in pain. Early socialisation and appropriate training can help your Whippet become comfortable around different people, dogs and situations.

Only 0.3%[13] of Whippet owners report that their dog show signs of aggression such as tackling or biting other people or pets.

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[9] in 2024. That's significantly higher than the average annual cost of cover for a dog (£165.43[14]) or cat (£81.48[15]).

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 Whippets make good pets?

Yes, Whippets can make excellent pets. They're generally gentle, affectionate dogs that enjoy being around their owners and are often happy to relax at home once they've had enough exercise.

They can also suit first-time dog owners who are prepared to be patient and consistent with training.

How long do Whippets live?

Whippets typically live for more than 12 years, although lifespan varies according to factors including genetics, health, diet and veterinary care.

Do Whippets need to be microchipped?

Yes. All dogs in the UK must be microchipped and registered on an approved database by eight weeks old.

You should also keep your contact information up to date. You could be fined up to £500 if your dog isn't microchipped when required.

Are Whippets high maintenance?

Not particularly when it comes to grooming. Their short coat usually only needs brushing around once a week.

However, Whippets still need daily exercise, opportunities to run safely and plenty of company, so they're not a completely hands-off breed.

How much exercise does a Whippet need?

Whippets need at least one hour of exercise a day.

They also benefit from opportunities to run in a secure area. Whippets have a strong prey drive, so care should be taken when exercising them off-lead around wildlife or other small animals.

Are Whippets good for first-time dog owners?

Yes, Whippets can be suitable for first-time owners, provided you're patient with their training and can meet their exercise needs.

Early socialisation is particularly useful as some Whippets can be shy or nervous around unfamiliar people and situations.

Can Whippets be left alone?

Whippets generally prefer plenty of company and can become stressed when left alone for long periods.

Getting them gradually used to short periods alone can help, but they're usually better suited to households where someone is around for much of the day.

Do Whippets need a coat in winter?

Some do - whippets have very little body fat and a thin coat, so they can feel the cold more than many other breeds.

A well-fitting dog coat can help keep your Whippet comfortable on cold winter walks.

Compare pet insurance quotes from the UK's leading insurers

We compare quotes from 37[16] of the most trusted providers, so you can easily compare cover level, vet fee limits, excess and price.

The Insurance Emporiumtesco insurancePerfect PetAdmiralScratch & PatchSainsbury's Money Insurancejlewis-pet-insurance-logo-v2

What information do I need to get a pet insurance quote?

  • Pet’s age

  • Pet's breed or size

  • Pet's cost

  • Pet's behavioural history

  • Pet's medical history

  • Pet's health*

Customer reviews of MoneySuperMarket pet insurance

See all reviews
  • Good choice of companies and prices which enable me to compare them and choose the best one for my pets need.

  • I got better cover for a cheaper price. Let's hope it does what it says on the tin x

  • Very happy with the price quoted

  • MMS gave me a great range of alternative policies to choose from, all of them cheaper than the one I had. The website is easy to use. I would highly recommend this site to people and would come here again.

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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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To earn SuperSaveClub rewards on purchases you must:

  1. 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

  1. [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.

  2. [2]

    SuperSaveClub restrictions and T&Cs apply. Click here for details.

  3. [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).

  4. [4]

    Based on the minimum monthly 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.

  5. [5]

    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.

  6. [6]

    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

  7. [7]

    Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.

  8. [8]

    Based on Pet Insurance enquiries on MoneySuperMarket between 2026-04-01 and 2026-07-01 where the quote was for all covertype.

  9. [9]

    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/

  10. [10]

    Based on the Insurance Emporium's claims data, January-June 2026

  11. [11]

    Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between June 2026 and August 2026.

  12. [12]

    Based on The Insurance Emporium's claims data, January to December 2025

  13. [13]

    Based on the volume of dog insurance quotes created on MoneySuperMarket between September 2024 and August 2026.

  14. [14]

    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.

  15. [15]

    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.

  16. [16]

    Accurate as of 18 September 2026.

  17. [17]

    T&Cs and restrictions apply, see here for more information

  18. [18]

    T&Cs apply, click here for more information

  19. [19]

    Based on 1 visit per month – average ticket value £15.30 (Oct 24)