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Compare dog insurance providers

1st

Review Score

9.2

based on 734 reviews

Dog Quote*

£36.63

per month

Cover Starts From**

8

weeks

Maximum Vet Fees

£6k

per policy year

Excess

£95

per condition
Pet Protect dog insurance comes with a PitPat Dog Activity Monitor worth £39 to help keep your dog healthy and happy.

2nd

Review Score

9.2

based on 1,092 reviews

Dog Quote*

£74.91

per month

Cover Starts From**

8

weeks

Maximum Vet Fees

£12.5k

per policy year

Excess

£105

per condition
Claims can be made online and can be settled directly with your vet. Agria pays 97% of claims.

3rd

Review Score

9.2

based on 522 reviews

Dog Quote*

£54.94

per month

Cover Starts From**

6

weeks

Maximum Vet Fees

£12k

per policy year

Excess

£105

per condition
4paws allows you to pay monthly at no extra cost. They also have a 24/7 emergency claims line so you can make a claim any time, anywhere.

4th

Review Score

9.1

based on 165 reviews

Dog Quote*

£57.31

per month

Cover Starts From**

8

weeks

Maximum Vet Fees

£10k

per policy year

Excess

£99

per condition
All policies come with lifetime cover as standard, providing your pet with the best level of cover possible.

5th

Review Score

9.1

based on 353 reviews

Dog Quote*

£54.81

per month

Cover Starts From**

5

weeks

Maximum Vet Fees

£8k

per policy year

Excess

£75

per condition
Scratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.

6th

Review Score

9.0

based on 2,024 reviews

Dog Quote*

£32.44

per month

Cover Starts From**

8

weeks

Maximum Vet Fees

£15k

per policy year

Excess

£120

per condition
All policyholders can manage their policy and make claims online. They also have access to a 24 hour vet helpline.

7th

Review Score

9.0

based on 8,634 reviews

Dog Quote*

£97.07

per month

Cover Starts From**

6

weeks

Maximum Vet Fees

£12k

per policy year

Excess

£110

per condition
Petplan pay out 97% of claims they receive and 90% of policyholders renew their cover with them each year.

8th

Review Score

8.9

based on 3,967 reviews

Dog Quote*

£52.95

per month

Cover Starts From**

4

weeks

Maximum Vet Fees

£6k

per condition, per year

Excess

£99

per condition
Your vet can make a pet insurance claim online on your behalf. All policyholders also get free 24/7 vet video consultations.

9th

Review Score

8.9

based on 17,245 reviews

Dog Quote*

£42.68

per month

Cover Starts From**

5

weeks

Maximum Vet Fees

£15k

per policy year

Excess

£99

per condition
All policies cover conditions that ended more than two years ago and all policyholders get free unlimited vet calls 24/7.

10th

Review Score

8.8

based on 2,091 reviews

Dog Quote*

£27.08

per month

Cover Starts From**

8

weeks

Maximum Vet Fees

£10k

per policy year

Excess

£80

per condition
There's no upper age limit to taking out a new policy. All policyholders have access to a 24/7 vet helpline.

*The quote received provides lifetime cover for accidents and illnesses for a four year old Labrador who has been spayed and chipped, cost £1000 and lives at a CM postcode.

What types of dog insurance can I get?

There are four main types of dog insurance:

Accident only

This type of policy covers the cost of treatment if your dog is involved in an accident, it doesn’t provider cover for illnesses. However, some providers offer accident and illness policies that cover your dog if they become ill as the result of an accident. This is generally the cheapest type of dog insurance you can get as it offers the least extensive cover.

Time Limited

Time limited policies cover the cost of vet fees over a 12-month period from the date the illness or injury first appeared. Once the 12-month period ends, your dog will no longer be covered for the particular condition you claimed for, even if you renew your policy.

Maximum Benefit

A maximum benefit policy enables you to claim for illnesses and injuries up to a pre-set limit. Unlike time-limited policies, you can claim for the same condition more than once. However, once you’ve reached the maximum amount, you’ll have to cover the cost of further treatment yourself. Maximum Benefit policies are typically seen as the mid-range option.

 
 

Lifetime

Lifetime dog insurance covers accidents, illnesses and conditions throughout the lifetime of the policy. The limit is refreshed each year. This tends to be the most expensive type of dog insurance you can get as it offers the most comprehensive level of cover. If your pet develops an ongoing condition that you want to cover for life, you’ll need to renew your lifetime policy yearly or find a new policy that covers pre-existing conditions.

What does dog insurance cover?

This will vary depending on the type of policy you take out but most pet insurance for dogs provides cover for the following:

  • Vet fees – you’ll be able to claim back the cost of vet fees if your dog needs vet treatment. 
  • Theft or straying –  you can claim back the cost of paying for a reward and advertising if your dog goes missing or is stolen.
  • Death – you can claim back the amount that you paid for your dog is they pass away because of an accident or illness.
  • Boarding fees – if you have to go into hospital and can’t look after your dog, dog insurance can cover the cost of putting your dog in the kennels.
  • Public liability cover – provides you with cover if your dog injures a third party or damages their property.
 

 

What’s not covered?

Before you take out a policy, make sure you read the terms and conditions thoroughly to check exactly what your dog is and isn’t covered for. Common exclusions include:

  • Pre-existing medical conditions – most pet insurance providers won’t cover your dog for pre-existing conditions. Although Bought By Many have created a specific pre-existing pet insurance policy to ensure your pet can get some form of cover, despite having an existing condition.
  • Routine treatments – treatments such as grooming, flea treatment, worm treatment, nail clipping, spaying and castration are typically excluded.
  • Dental treatment – the majority of dog insurance policies won’t cover your dog for dental treatment, although more comprehensive policies might offer some cover.
  • Breeding and pregnancy – complications associated with breeding and pregnancy are often not covered.
  • Euthanasia and burial – most insurers don’t cover euthanasia and burial costs.
 

How much does dog insurance cost?

You can get a lifetime dog insurance policy for as little as £14.71 per month according to Compare by Review data in November 2020. *

*This figure is based on lifetime pet insurance for accidents and illnesses for a four-year-old Labrador who has been spayed and chipped, cost £1000 and lives at a CM postcode.

The cost of puppy insurance will vary depending on a range of factors, mainly the type of policy you choose. Your premium will cost more if you opt for a more comprehensive policy, for example, accident only dog insurance is far cheaper than lifetime dog insurance. Your postcode will also impact the amount you pay because the cost of vet treatment is higher in some parts of the UK. If you live in an area where treatment is known to cost more, it’s likely that you’ll have to pay a higher premium. Pet insurance for older dogs generally costs more too as older dogs are at higher risk of developing health problems or illnesses. And finally, if you have a pedigree dog, you can expect to pay more to insure your dog.

Compare dog insurance

Our comparison table ranks dog insurance exclusively on customer experience and product quality, rather than price. We encourage you to read dog insurance reviews when deciding who to take out a policy with to get an idea of how different insurers treat their customers and handle claims. You want to ensure that you’re in safe hands if the worst were to happen to your beloved pooch.

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