1st
Review Score
9.8
based on 2,564 reviewsDog Quote*
£36.63
per monthCover Starts From**
8
weeksMaximum Vet Fees
£6k
per policy yearExcess
£95
per condition2nd
Review Score
9.8
based on 31,190 reviewsDog Quote*
£42.68
per monthCover Starts From**
5
weeksMaximum Vet Fees
£15k
per policy yearExcess
£99
per condition3rd
Review Score
9.7
based on 3,323 reviewsDog Quote*
£74.91
per monthCover Starts From**
8
weeksMaximum Vet Fees
£12.5k
per policy yearExcess
£105
per condition4th
Review Score
9.7
based on 1,334 reviewsDog Quote*
£40.68
per monthCover Starts From**
6
weeksMaximum Vet Fees
£3.25k
per conditionExcess
£99
per condition5th
Review Score
9.5
based on 426 reviewsDog Quote*
£54.94
per monthCover Starts From**
6
weeksMaximum Vet Fees
£12k
per policy yearExcess
£105
per condition6th
Review Score
9.5
based on 15,308 reviewsDog Quote*
£97.07
per monthCover Starts From**
6
weeksMaximum Vet Fees
£12k
per policy yearExcess
£110
per condition7th
Review Score
9.2
based on 7,080 reviewsDog Quote*
£27.08
per monthCover Starts From**
8
weeksMaximum Vet Fees
£10k
per policy yearExcess
£80
per condition8th
Review Score
9.2
based on 1,560 reviewsDog Quote*
£49.97
per monthCover Starts From**
8
weeksMaximum Vet Fees
£10k
per policy yearExcess
£0
per condition9th
Review Score
9.2
based on 532 reviewsDog Quote*
£54.81
per monthCover Starts From**
5
weeksMaximum Vet Fees
£8k
per policy yearExcess
£75
per condition10th
Review Score
9.1
based on 25,208 reviewsDog Quote*
£52.95
per monthCover Starts From**
4
weeksMaximum Vet Fees
£6k
per condition, per yearExcess
£99
per condition*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.
**This is how old your pet must be in order to get a pet insurance policy.
What types of dog insurance can I get?
There are four main types of dog insurance:
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 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.
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 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:
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:
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.
