Lifetime
Lifetime cover is the most popular policy. It will give you the most comprehensive cover for you puppy throughout its lifetime including any illnesses and accidents occur
Puppy insurance
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Compare quotes from 38 leading pet insurance brands
When it comes to protecting your furry friend, it’s important for pet owners to shop around for the right cover that suits what you both need. We work with over 30 leading pet insurance companies, to bring you our best deals.
1Accurate as of August 2024.
Why do I need puppy insurance?
While pet insurance might be an extra cost, it protects you financially if your poor pooch has an accident or illness and needs vet treatment. Some breeds are more prone to developing medical conditions that require veterinary care.
Vet fees can be expensive, sometimes amounting to a staggering sum, depending on what your furry friend needs to get back to full form. Investing in puppy insurance gives you peace of mind, knowing you’ll be able to claim to meet the cost of any treatment.
From what age can I insure my puppy?
While it might not be the first thing you think about in the excitement of getting a new puppy, there are several reasons to take out pet insurance as soon as you can. According to the veterinary charity PDSA, the average pet insurance claim is over £800. Costs rise each year with some bills running into the thousands if you don’t have cover. Pet insurance prices also tend to increase as your dog gets older and you’re also unlikely to be able to get cover for a pre-existing or hereditary condition once it has developed. Most insurers offer cover from when your dog is five to eight weeks old, so don’t delay.
What types of insurance can I get for my puppy?
There are four common types of pet insurance to choose from, each with different levels of cover and cost:
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Time Limited
This policy offers cover for a limited time and fixed sum for each illness or illness your puppy gets which makes it an ideal policy for short term illnesses or injuries
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Per condition
Also known as ‘maximum benefit’, your puppy will be covered for a fixed amount per condition. The maximum cover will differ depending on the illness or injury
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Accident only
This policy is the cheapest option however, it will not cover any illnesses or conditions. It will only cover for accidents or complications that occur due to an accident
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What can I cover with puppy insurance?
Here's a closer look at what you can cover with puppy insurance. Note: not all policies will include everything below. So be sure to check the details of your policy closely.
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Likely to be able to get cover for..
Loss or theft: This covers you if your puppy is stolen or gets lost. Some policies cover the cost of 'missing' posters and rewards too
Death by accident or illness: Typically provides financial compensation equating to a sum that you paid for your puppy or its value
Bereavement counselling: Covers the cost of professional help to assist you in coping with the death of your puppy
Emergency boarding fees: This would cover the cost of housing your pet in a license pet-care facility if you're hospitalised
Vet advice line: Gets you access to a qualified, expert team of vets to answer queries and provide advice
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Unlikely to be able to get cover for...
Puppies under 8 weeks of age: This applies to the age of the dog at the start date of the policy
Breeds registered under Dangerous Dogs Act: This also includes breeds crossed with dogs registered under the act
Dogs with behavioural problems: These are usually defined as dogs with aggression problems
Illnesses within first 14 days: Applies from the official commencement date of the puppy insurance policy
Dogs used for commercial purposes: Such as commercial breeding, guarding, racing or coursing
How much is insurance for a puppy?
It’s always worth shopping around to find the best deals on puppy insurance. The cost of your insurance will vary on several factors including:
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Policy type
There are different policy types for you to choose from for your puppy. They will range with the amount of cover and the price. Usually the more comprehensive the cover, the more expensive your insurance is likely to be.
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Breed of puppy
Certain dog breeds are known to have more health problems than other breeds, so would be more expensive to insure
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Location
Where you live affects the premium you will pay to insure your pup. This is because location affects the costs vets face like wages and rent to pay
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Spaying and neutering
Neutering your pet can potentially lower your premiums as it reduces the chance of your pet contracting those diseases and makes them less likely to stray
How can I make my puppy insurance cheaper?
Choose your level of cover
The more comprehensive cover you choose, the more expensive your premiums will be. Decide what policy features you need such as covering your pup for illness or accidents, or overseas cover if you plan to travel with them
Consider multi-pet insurance
Insurers often offer a discount of between 5% and 10% if you insure more than one pet, so take advantage and insure your pets together
Your excess amount
Paying a higher excess usually means you will be rewarded with a lower premium. Just make sure you can afford the excess in the event of a claim
Compare puppy insurance providers
Our comparison tool will help you find a great value policy with the tailored cover you need
Pay yearly rather than monthly
It can often work out cheaper to pay for your policy upfront rather than in monthly instalments
Decide on policy add-ons
Some pet insurance providers will offer additional policy features for your puppy, such as dental cover or alternative therapy treatments
Our expert says…
You might think that there’s no need to insure a puppy, but as well as being difficult to manage and prone to accidents, it’s likely to be cheaper to put cover in place before they grow and health conditions arise. You can then be confident that the vets’ bills won’t chew through your wallet, even if the puppy might.
Saarrah Mussa Former Content Writer
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Puppy insurance guides and tips
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Does location affect the cost of puppy insurance?
You may be surprised to hear that where you live can also have an affect on how much you pay for puppy insurance. This is primarily because the cost of vet treatment varies from place to place.
What impact does breed have on puppy insurance premiums?
The breed of your puppy can affect your insurance quote. That’s because some breeds are more prone to illnesses and health conditions, meaning insurers see them as more of a risk. Pedigree dogs are often more expensive to insure than hybrid or mixed-breed dogs.
Does puppy insurance cover vaccinations?
Puppy insurance policies don’t tend to cover vaccinations. Under some policies, you can opt to have preventative or routine care cover (that can include vaccinations) up to a limit, but this will cost more.
Can I get multi puppy insurance?
Multi pet insurance policies are available and can sometimes make your premium slightly cheaper.
Does my puppy need to be microchipped?
Yes, it’s now a legal requirement to have any dog over the age of eight weeks microchipped in England and Wales. If you don’t get your dog microchipped you risk a fine of up to £500.
Does puppy insurance cover dental care?
Puppy insurance may provide coverage for dental care, but it depends on the specific policy and insurance provider.
Some pet insurance plans offer dental coverage as an optional add-on or as part of comprehensive plans, while others may have exclusions or limitations on dental treatment, such as only giving emergency dental care after an accident.
It is essential to review the policy documents and consult with the insurance provider to understand the dental coverage provided by the policy.
What health issues affect puppies?
Puppies can be susceptible to various health issues, including common conditions such as gastrointestinal problems, respiratory infections, skin irritations, and parasitic infestations like fleas and worms.
Additionally, puppies may also be at risk for genetic or breed-specific health concerns, which can vary depending on the breed or individual dog.
Which puppies cost most to insure?
The cost of insuring a puppy can vary based on factors such as age, breed, location, and the coverage chosen.
Generally, breeds that are prone to specific health conditions or have a higher risk of hereditary diseases may have higher insurance premiums.
These include breeds such as Bulldogs, Rottweilers and Great Danes, whereas breeds that could cost less to insure include Jack Russell Terriers, Border Collies and Labrador Retrievers.
How old does my puppy have to be to get pet insurance?
Puppies in the UK can typically be insured as early as 8 weeks old, although the specific age requirements may vary depending on the insurance provider.
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Reviewed on 9 Dec 2025 by
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