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Puppy insurance

Super Save up to £208* on your puppy insurance

  • Super Save up to £208* on insurance for your puppy
  • Insure all your pets and get multi-pet discounts
  • Compare quotes from over 25 providers

Why do I need puppy insurance?

Having a puppy in the family is both an exciting and exhausting time. As well as loving and learning to train your new pup, it’s probably a good idea to think about buying puppy insurance. This protects you financially if your poor pooch has an accident or illness and needs vet treatment.

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.



What are the different types of puppy insurance?

There are four main types of puppy insurance policies available:

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    Accident only

    This is the cheapest policy available and only covers treatment related to your pet having an accident, not illness

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    Time limited

    Time- limited policies usually run for 12 months and there’s usually a cost limit. They’re good for short-term illnesses and injuries

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    Maximum benefit

    This covers each new medical condition up to the cover limit, for as long as the policy runs

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    The most comprehensive policy is lifetime, which if you renew each year will cover new and recurring conditions up to a cost limit

How much is puppy insurance?

The cost of puppy insurance depends on several factors, but on average, puppy owners pay £36 a month to insure their pup. It's usually cheaper if you pay annually, costing on average £424 a year and offering an average saving of £8.1

The cost of puppy insurance depends on several factors including:

  • Policy type: There are four types of puppy insurance to choose from: accident only, time limited, maximum benefit and lifetime
  • Breed of puppy: Certain dog breeds are known to have more health problems than other breeds, so would be more expensive to insure
  • 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
1Average premium for lifetime policies covering dogs under 1. Data provided by CYTI,  July 2021

What’s covered by puppy insurance?

Remember to check what’s included and excluded in a puppy insurance policy. A typical pet insurance policy will cover your pet if it suffers from illness, injury or disease but won’t cover routine treatments or specific conditions. This is particularly important if your new pup is a pedigree and susceptible to hereditary conditions.

A pet policy may cover some of the following:

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    Kennel costs

    If you had to go into hospital and didn’t have anyone to look after of your puppy, this would take care of kennel fees

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    Death by accident or illness

    Some policies will cover you to the value of your pet if they were to pass away. This is usually up to a certain age

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    Travel abroad

    If you want to take your pup on holiday with you, this will cover any medical costs, should anything happen to them

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    Alternative therapies

    Some policies provider cover for your pet to receive alternative therapies like homeopathy and hydrotherapy

What’s not covered by puppy insurance?

Every policy will be different, but you will usually find a number of common exclusions. Make sure you read over your policy carefully and arrange any specialist cover that your puppy might need. Common exclusions include:

What do I need to get a cheap puppy insurance quote?

Our puppy insurance comparison search is free, quick and simple to use. All you need to do is give us a few details about your pooch, like their date of birth, gender and medical history and you could have a policy set up in minutes. 

For more information about pet insurance policies, read our pet insurance guides.

Can I get cover if my puppy has pre-existing medical conditions?

Most standard policies won’t offer cover if your puppy has a pre-existing condition, but there are specialist insurers that do. 

You can still get pet insurance with standard pet insurers but your pet’s pre-existing conditions will be excluded.

How to get cheaper puppy insurance

There are a few things you can do to reduce the price you pay for puppy insurance:

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Pay a higher excess

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

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Keep your pup healthy

Taking good care of your puppy will reduce the chance of them needing treatment by your local vet, meaning your premium should be less

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Microchip your pet

Some insurers offer a discount for micro-chipped pets because they are easier to locate if they are lost or stolen, so consider microchipping your pet

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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

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Pay annually

Some pet insurance companies charge more if you want to spread the cost of cover over monthly installments. It can therefore work out cheaper to pay for your policy upfront

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Consider spaying or neutering your pet

Neutering or spaying your pet can potentially lower your premiums because it reduces the chance of your pet developing certain conditions, and also makes them less likely to stray

351% of consumers could save up to £217.95 on their annual car insurance premiums. Consumer Intelligence, December 2020


Provider Reviews

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. 


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.



You can usually get puppy insurance when your dog is between six and eight weeks old, meaning you don’t have to wait too long before you can compare policies and protect your pup.



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.



All puppy owners should consider taking out pet insurance, in case of emergencies. It means you won’t be dealt a large and unexpected bill for an injury or illness and can focus on nursing your pup back to full health.



Multi pet insurance policies are available and can sometimes make your premium slightly cheaper.


Yes, it’s now a legal requirement to have any dog over the age of eight weeks microchipped in England and Wales.

Can't find what you're looking for? Try looking at our news, views and in-depth guides

See all pet insurance guides - News


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