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Top pet insurance providers

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With an estimated 11 million homes owning pets in 2016, it’s clear a house isn’t a home without one. For most of us, a pet is part of the family. So when our beloved furry friend suffers an illness or injury, it can be emotional and often extremely expensive. Fortunately, pet insurance gives you quick access to care when your pet is in need.

80* companies are now providing pet insurance, offering many incentives and even more restrictions, which makes it even harder to find the right cover. Instead of focusing on the cheapest insurance, which might not provide the right cover you need, we filter providers by our CBR score so that you can find the pur-fect cover for your four-legged friend.

Geoffrey Insurance Ranked #1 of 31 Pet Insurance providers based on 2957 reviews

Geoffrey Pet Insurance provides four levels of pet insurance for cats and dogs, including Accident Only, Time Limited, Standard and Enhanced Lifetime cover. Policies cover veterinary fees up to £6,000 and are underwritten by Ultimate Insurance Solutions Limited.
Review Score
9.8

Tesco Pet Insurance Ranked #2 of 31 Pet Insurance providers based on 11417 reviews

Tesco Pet Insurance covers cats and dogs vet fees up to £10,000. They also provide four levels of protection for your pet, including Accident & Injury, Standard, Extra and Premier. Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance plc.
Review Score
9.3

Animal Friends Ranked #3 of 31 Pet Insurance providers based on 6644 reviews

Animal Friends provides a range of cover levels in addition to their standard cover options to suit your budget. Animal Friends covers cats and dogs, in addition to horses and riders up to a set price limit of your choice.
Review Score
9.1

Agria Pet Insurance Ranked #4 of 31 Pet Insurance providers based on 532 reviews

Agria Pet Insurance provides cover for dogs and cats up to £12,500 and Rabbits up to £2,500. They only provide Lifetime cover, which allows ongoing conditions to be covered for life.
Review Score
8.7

Brightside Ranked #5 of 31 Pet Insurance providers based on 3830 reviews

Brightside provides pet insurance for dogs and cats and offers 4 levels of cover, providing cover limited of up to £7,500 and offering insurance cover for a 12 month period. Brightside is arranged and administered by Sterling Client Services Limited and underwritten by Covea Insurance plc
Review Score
8.7

Pet Plan Ranked #6 of 31 Pet Insurance providers based on 7726 reviews

Pet Plan provides cover for cats and dogs up to £12,000 per year. They provide three main policies, Essential, Classic and Ultimate, which provides a range of options to suit your needs. Pet Plan doesn’t increase premiums, even in the event of a claim.
Review Score
8

Insure Your Paws Ranked #7 of 31 Pet Insurance providers based on 430 reviews

Insure Your Paws provides cover for cats and dogs up to £10,000. They current provide three different policies, including Accident Only, Maximum Benefit and Lifetime Cover, which ranges in cover and maximum fees.
Review Score
7.9

Bought By Many Ranked #8 of 31 Pet Insurance providers based on 3170 reviews

Bought By Many provides pet insurance policies, tailored to what pet owners look for the most in a policy. Policies include fixed for life, pre-existing and money back and have no age limit of the pet.
Review Score
7.7

Lifetime Pet Cover Ranked #9 of 31 Pet Insurance providers based on 560 reviews

Lifetime Pet Cover provides lifetime policies up to £10,000. They do not provide 'Per Condition' or 'Time Limited' policies and pledge to pay your vet direct within five working days.
Review Score
7.2

Vetsure Pet Insurance Ranked #10 of 31 Pet Insurance providers based on 645 reviews

Vetsure provides cover for cats and dogs up to £5,000 per condition per year. They currently provide three levels of core cover, including Premier Plus, Premier and Accident Only. You can add on addition benefits to improve your cover.
Review Score
7

Direct Line Ranked #11 of 31 Pet Insurance providers based on 7689 reviews

Direct Line Pet Insurance covers cats and dogs vet fees up to £8,000. They also provide two levels of cover for your pet, including Essential and Advanced cover. Direct Line Pet Insurance is arranged, administered and underwritten by UK Insurance Limited.
Review Score
6.8

Argos Pet Insurance Ranked #12 of 31 Pet Insurance providers based on 817 reviews

Argos Pet Insurance provides cover for dogs and cats up to £7,000. They currently provide three levels of cover, including Silver, Gold and Platinum policies. Unlike other providers, they do not have an accident only policy.
Review Score
6.7

Aviva Ranked #13 of 31 Pet Insurance providers based on 3874 reviews

Aviva Pet Insurance covers cats and dogs vet fees up to £6,500. They also provide three levels of cover for your pet, including Silver, Gold and Platinum.
Review Score
6.7

Sainsbury’s Bank Ranked #14 of 31 Pet Insurance providers based on 11780 reviews

Sainsbury’s Pet Insurance covers vet fees for cats and dogs, up to £13,000. They currently provide three levels of cover, including Standard, Premier and Premier Plus. Sainsbury’s Bank Pet Insurance is underwritten by Allianz Insurance plc.
Review Score
6.6

4PAWS Ranked #15 of 31 Pet Insurance providers based on 131 reviews

4Paws provides four levels of cover, including Accident Only, Standard, Maximum Benefit and Lifetime. All policies are underwritten by insurance giants, Aviva, QIC and Covea and cover vet fees upto £12,000.
Review Score
6.6

Healthy Pets Ranked #16 of 31 Pet Insurance providers based on 1078 reviews

Healthy Pets provides cover for cats, dogs and exotic pets. They provide six levels of cover, including Accident, Bronze, Silver and Gold, with cover for vet fees ranges from £1,000 - £7,000 per condition. Unlike other providers, Healthy pets does not provide lifetime policies.
Review Score
6.6

AA Ranked #17 of 31 Pet Insurance providers based on 2584 reviews

The AA provides pet insurance for dogs and cats and allows you to choose from six levels of cover; from Accident Only to Gold Plus. AA Pet Insurance is arranged and administered by Ultimate Insurance Solutions Ltd.
Review Score
6.5

Debenhams Ranked #18 of 31 Pet Insurance providers based on 3612 reviews

Debenhams Pet Insurance provides cover for both cats and dogs up to £8,500. They currently provide two levels of cover, Time Limited and Lifetime, across five policies, ranging from Accident Only, to their Elite Lifetime policy.
Review Score
6.4

M&S Bank Ranked #19 of 31 Pet Insurance providers based on 2363 reviews

M&S Bank provides pet insurance for both cats and dogs, up to £7,000. They currently provide three levels of cover, including essential, standard and premier. M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc.
Review Score
5.8

Post Office Ranked #20 of 31 Pet Insurance providers based on 2850 reviews

Post Office Pet Insurance covers cats and dogs vet fees up to £7,000. They also provide four levels of cover for your pet, including Essential, Standard, Premium and Premium Plus
Review Score
5.8

NatWest Ranked #21 of 31 Pet Insurance providers based on 1675 reviews

NatWest Pet Insurance covers cats and dogs vet fees up to £8,000. They provide one policy and are part of the Royal Bank of Scotland group.
Review Score
5.8

Co-op Ranked #22 of 31 Pet Insurance providers based on 506 reviews

Co-op provides pet insurance for dogs and cats and offers two main policies, Time Limited and Lifetime, that cover veterinary fees up to £5,000. The Co Op is underwritten and administered by Allianz Insurance plc.
Review Score
5.8

Legal & General Ranked #23 of 31 Pet Insurance providers based on 736 reviews

Legal & General Pet Insurance covers cats and dogs vet fees up to £10,000. They also provide three levels of cover for your pet, including Lifetime, 12 month and Accident Only cover.
Review Score
5.7

Paws & Claws Ranked #24 of 31 Pet Insurance providers based on 83 reviews

Paws & Claws provide pet insurance cover for cats and dogs up to £5,000. Paws and Claws currently offer five policies, including accident only, time limited and lifetime policies, to cover your pet against the unexpected. Paws and Claws is a registered trading name of Ultimate Insurance Solutions Limited.
Review Score
5.2

Royal Bank of Scotland Ranked #25 of 31 Pet Insurance providers based on 401 reviews

RBS Pet Insurance covers cats and dogs vet fees up to £8,000. They also provide three levels of cover for your pet, including Silver, Gold and Platinum.
Review Score
5.1

VetsMediCover Ranked #26 of 31 Pet Insurance providers based on 170 reviews

VetsMediCover covers vet fees for both cats and dogs, up to £10,000. They currently provide two levels of cover, Time Limited and Lifetime, across three policies; Gold, Platinum and Diamond.
Review Score
4.9

Insurance Emporium Ranked #27 of 31 Pet Insurance providers based on 365 reviews

The Insurance Emporium offers pet insurance for cats and dogs. They currently provide five levels of cover, public liability, accident only, time limited, maximum benefit and lifetime, which covers up to £8,000. The Insurance Emporium is underwritten by E&L Insurance Company.
Review Score
4.9

Help U Cover Ranked #28 of 31 Pet Insurance providers based on 314 reviews

Help U Cover provides pet insurance for dogs and cats up and Rabbits with three main policies, Lifetime, Time Limited and Per Condition. Policies cover vet fees up to £6,000 per year for cats and dogs and £2,000 for Rabbits.
Review Score
4.9

Pet Protect Ranked #29 of 31 Pet Insurance providers based on 547 reviews

Pet Protect provides cover for dogs and cats up to £6,000. They currently offer Lifetime Policies only, Lifelong Plus and Lifelong Extra, which vary in cover to suit your needs. Pet Protect is underwritten by Advent.
Review Score
4.6

John Lewis Finance Ranked #30 of 31 Pet Insurance providers based on 19 reviews

Formerly known as Greenbee, John Lewis Pet Insurance provides cover for cats and dogs up to £12,000. They currently provide three policies, including Essential, Plus and Premier, which vary in cover to best suit your needs. All policies are currently under written by Royal Sun Alliance.
Review Score
4.5

More Than Ranked #31 of 31 Pet Insurance providers based on 649 reviews

More Than covers vet fees for cats and dogs up to £12,000 and provides four different levels of cover, including Accident only, Basic, Classic and Premier. More Than Pet Insurance is underwritten by Royal & Sun Alliance Insurance Plc.
Review Score
4.4

Why Do I Need Pet Insurance

In 2017, 44% of the UK population owned a pet, with a whopping £1.8 million paid every day in Pet Insurance claims.

While you might think it’s barking mad to be shelling out £35 a month on pet insurance, the alternative can turn your poorly pet into a pricey pet. Vets’ fees are rising year after year, with the average operation for broken bones costing £2,000 and £6,500 for arthritis treatment, it certainly pays to be insured.

If your breed of dog is infamous for health problems, a pet policy is by far the best means of ensuring a long and healthy life – without breaking the bank. Pet Insurance not only ensures your pet is covered in the event of an accident or sudden illness, but helps give you peace of mind.

What Do I Need To Compare Pet Insurance

To compare pet insurance, you will need to provide details of your pet’s current address, age, breed and gender. You will also need to disclose how much you paid or donated for them and whether your pet has been neutered or spayed.

As of the 6th April 2016, it is compulsory for owners to ensure their dog is microchipped. While it is not required by law to microchip your cat, it will help locate your pet should they be lost or stolen, as well as keep your insurance payments low.

You will also need to disclose all of your pet’s past conditions and any health risks they have. If not, your insurer may use a ‘non-disclosure’ as an excuse not to pay out or even cancel your cover completely. Pricing radically changes depending on your pet so make sure to disclose everything.

Which Policy Is Right For me?

This all depends on the level of cover you want. Getting the right pet insurance policy for you will depend on the type of insurance cover you take out – whether accident only, time limited, maximum cover or lifetime cover – and the amount of voluntary excess you would be happy to pay should your pet become sick.

A pet policy protects the furriest (and arguably the most adorable) member of your family, as well a preventing a significant dent in your finances. Pet owners can choose from four main types of cover:

  • Accident Only – the cheapest type of pet insurance, which provides cover for vet bills if your pet is injured in an accident.
  • Time Limit – provide cover for accidents or short term illness for a specific time, usually 12 months
  • Per Condition – known as maximum benefit cover, per condition policies allocate a fixed sum of money for each illness
  • Lifetime – The more expensive type of pet insurance, but protects your pet for life

Policies typically include cover for vet fees and medical treatments, kennel and cattery fees, liability cover and even advertising costs and rewards. There are exceptions to what pet insurers will pay out for, so its important to read the small print and make sure you know what you’re covered for.

Banned breeds, such as Pit Bulls, Japanese Tosas and Brazillian Mastiffs, often can’t be insured, even if they are not a pure breed. However, under the Dangerous Dogs Act 1991, any dog classified as a dangerous breed will need Third Party Liability, which is a available from a handful of insurers.

Why Compare Quotes With Compare By Review

We know how important it is to find the right protection plan for your pet. At compare by review, we understand that choosing the right type of pet insurance can be confusing and time consuming. That’s why we analyse thousands of real customer experiences to provide a simple, impartial comparison of pet insurers so you can purchase the right policy that works best for you.

 

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