For many of us, pets are part of the family. So, the thought of Rover or Tiddles getting ill or injured is hard. Not only that, but it also can be expensive. Unlike us, pets can’t turn to the NHS for treatment – that’s where pet insurance can come in handy.
According to the Association of British Insurers, the average claim for a cat or dog in 2021 was £848.
Claims can run into the thousands if your pet develops an on-going condition. So, pet insurance may help you cover those unexpected vet bills.
Pet insurance policies can be paid monthly, quarterly or annually.
Pet insurance covers various expenses, from check-ups to emergencies. It also supports animal welfare and research. Pet insurance is a smart and caring choice.
Insurers paid out a record £872 million in 2021, mainly to cover vet bills. This is more than double what was paid out ten years ago.
Despite this, the average pet insurance premium, at £274 for a dog and £125 for a cat. This remained relatively stable compared to 2020.
You can compare pet insurance policies from top UK providers within minutes.Get cheaper premiums than going direct
We give up some of our commission to reduce the price you pay.Adjust policy type to see its effect on your quotes
Compare prices for accident only, time limited, maximum benefit or lifetime pet insurance to see which suits your budget and needs.
Accident only pet insurance helps to cover the vet bill if your pet is involved in an accident.
It doesn’t provide cover for illnesses, disease or pre-existing medical conditions.
Time-limited pet insurance allows you to claim for eligible conditions, up to a specified financial limit, in a 12-month period.
After the 12-month period is up or you reach the financial limit on treatment costs, you can’t claim again for the same condition.
Pre-existing conditions aren’t covered under this policy.
Maximum benefit pet insurance covers your pet for each injury or illness. This is up to a specified financial limit, for as long as the policy stays in place.
This means you could claim more than once for a certain condition, year after year.
When the financial limit is reached, the condition becomes pre-existing and excluded from future claims. This means you have to pay for further treatment yourself.
Lifetime pet insurance covers the cost of treating your pet for injuries or illnesses for the duration of their lifetime.
There’s usually a financial limit on the amount you can claim in a year for each condition.
If the limit is reached, the cover stops for that condition until the policy is renewed. At renewal, the limit is fully reinstated, and the condition will continue to be covered.
You’ll only be covered for new illnesses or injuries though, not pre-existing ones.
What’s covered in your pet insurance policy can vary depending on your provider and cover levels. Some common features include:
This will help cover the cost of vet treatment if your pet falls ill or suffers an injury.Lost pet cover
If your pet goes missing, some providers will cover the cost of advertising and a reward if found.Third party liability
This one applies to dogs only. If your dog injures a person, another animal or causes damage to property, you may face a hefty legal bill. Third party liability cover could offer some financial protection for this situation.
Some policies will pay for your pet to go into kennels should you need to go to hospital. Terms and conditions for this type of cover can vary, so always check your policy for any exclusions.Dental cover
Dental problems are common. So, ensuring your policy covers dental treatment could be a wise move.Death cover & cremation
No amount of money can make up for the loss of your beloved pet. Some insurers may offer a pay-out in the event your pet dies during the policy period.
Despite the old saying, 'cats always land on their feet' sometimes they need us to provide them with care due to illness or injury. Unfortunately the NHS doesn't extend its services to our furry friends, so if something unexpected...
The nation's favourite pet, nearly a quarter of all households play host to a dog. Dubbed man's best friend, dogs certainly do make day-to-day life a little more fun. However, giving a dog a home can be a costly affair and with...
The time has come to compare pet insurance for your dog or cat, but it can be a daunting process if you're unsure of what each different policy type of insurance might cover. Before you start comparing pet insurance quotes and...
Quotations are provided by Compare Cover on a non-advised basis. This means no advice is given or implied. You are responsible for deciding whether the policy is suitable for your needs.
Compare Cover is a trading style of Investment Discounts On Line Ltd and is part of the Legal & General Group. Investment Discounts On Line Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number 197451.
Our operating address is: The Edge, Eden Business Park, Penrith, Cumbria, CA11 9FB. Telephone 0800 915 2926. Our registered address is: One Coleman Street, London, EC2R 5AA. UK Company Registration No. 04231834.