Compare Pet Insurance Quotes Today
Your pet isn’t just a pet; they’re a member of the family. As such, it’s only natural you want to ensure you have cover for your pet in the event of illness or accident. After filling out a few simple details you will get the protection you need for your pets at the lowest possible price.
The Easiest Way to Compare
Tailored Pet Insurance Quote
Tell Us About Your Pet
Simply detail about your pet and the cover you need.
Tailor Quotes to Your Needs
Filter your pet insurance quotes based on your needs, or see what options are available from different insurers.
Choose a Quote and Save
Select the best pet insurance quote and get the best price available for the cover you need.
Compare Pet Insurance Quotes in Minutes
With just a few details, you can be provided with a range of pet insurance quotes from a variety of insurers. They may ask:
Enter your name, address, and some other personal details.
About Your Pet
Enter your pet’s breed, age, and gender.
Where Your Pet Lives
If you have a pet that doesn’t reside with you, like a horse, insurers will need to know where they live.
Your Pet’s Medical History
Detail your pet’s medical history, including any pre-existing conditions.
How Much You Paid for Your Pet
Detail how much you paid to buy or adopt your pet.
What Will Your Pet Insurance Cost?
Consumer Intelligence reported an average cost of pet insurance of £287 per year in 2018. However, such is the diverse range of animals that you can keep as pets that your pet cover could be far lower or higher than this.
How to Get Cheaper Pet Insurance
We will help you to find the best pet insurance deal for your requirements. While the best deal won’t always be the cheapest one, it’s only natural that you want to pay as little as possible for your cover. Keep the below tips in mind to reduce the cost of your pet insurance premiums.
What Type of Pet Insurance Do I Need?
The best type of pet insurance for you will depend on the pet itself, with factors including its breed and age playing a part. If your pet has or is likely to develop a chronic illness, this may also influence the pet insurance policy you choose.
There are four general types of pet insurance policy, which we describe below before highlighting what is commonly covered and what exclusions you may find with your cover.
Accident only insurance will cover the costs of treatment if your pet is involved in an accident.
This insurance would not cover the costs of treatment if your pet were to get ill, nor would it cover any pre-existing conditions.
What’s Typically Covered and What Exclusions are There?
As we have seen, there are many variables when it comes to pet insurance. Although you will have the option of adding specific features, most pet insurance policies will cover injuries and accidents, as well as the following as standard:
- Third-party liability cover for dog owners.
- Some alternative therapies that your vet may offer.
- Diagnostic costs if your pet needs to undergo tests.
- Advertising if you need to appeal to find a lost pet.
In general, pet insurance policies are there to cover you and your pet for unexpected occurrences. Therefore, the following exclusions typically apply to pet insurance:
- Vaccination costs.
- Regular check-ups with your vet.
- Preventative treatments prescribed by your vet or preferred by yourself.
- Pre-existing conditions.
- Dental treatment, except for dental injuries sustained in accidents.
- Euthanasia and cremation or disposal costs.
You should note that while these are common exclusions, you can add most of these to your policy as extra features with many insurers.
If you buy or adopt a pet from a very young age, it is worth considering lifetime cover. Lifetime cover is more expensive but will mean you avoid pre-existing conditions exclusions so long as you maintain cover throughout your pet’s lifetime.
Pet Insurance Specifically for Your Needs
Many insurers offer special plans based around the characteristics and habits of specific animals. We have highlighted some of the specific types of pet insurance you may be able to find below.
Tailored cover for your dog, whether you have bought or adopted a pedigree or a crossbreed. You could get cover for your dog for both at home and if you take them on holiday with you.
While it is illegal to own a dog banned under the Dangerous Dogs Act 1991, it is still possible to get third party liability insurance for these pets. However, you are unlikely to be able to find wider pet insurance policies if you own such a dog.
Third-party only dog insurance covers you for claims for injury or damage caused by your dog, such as your dog biting someone, another animal, or causing damage to property.
Puppies are excitable and exciting in equal measure. However, their curiosity may make them more likely to suffer an accident or get injured. Getting lifetime cover for your puppy will enable you to avoid pre-existing conditions exclusions when your puppy has a clean bill of health.
Tailored cat insurance will cover treatment costs if your pet suffers an accident or an injury and if they develop one of the common illnesses linked to cats. Cat insurance can also provide cover to allow you to take your cat on holidays both at home and overseas.
Like puppies, kittens are curious and excitable creatures. If they can venture outside and away from your home from a young age, they may also be at higher risk of suffering an accident or injury. If you cover your kitten from an early age, you should choose lifetime cover and stick with the same insurer to avoid pre-existing conditions exclusions in future.
Many horse insurance policies only cover death, theft, or if your horse strays. As such, you will need additional cover for illnesses and accidents, while many equine experts suggest you have some dental cover. You may also be able to cover injury to yourself in your horse insurance policy. Horse insurance can be one of the most complex types of animal insurance, so you should take extra care in tailoring a policy to your needs.
Specialist rabbit insurance can cover your bunny whether they live in the garden or are a fully trained and well-behaved house rabbit. Not all insurers offer rabbit insurance, so be sure to shop around and take the time to get the policy you need.
Guinea pigs are common first pets for children. They can be an excellent companion once they become accustomed to being held and learn to enjoy human interaction. Finding insurance for guinea pigs can be difficult, so ensure you shop around and find a suitable policy that meets your needs.
Insurance for older pets can be more expensive, due to the increased chances of them becoming ill. Therefore, it can pay to ensure younger pets on a lifetime policy at the earliest opportunity. However, if you do need insurance for older pets, it is worth seeking out a specialist policy to do so.
If you have more than one pet, you can look to insure them all on one policy. It may be difficult if you have pets of different ages. However, in general, you will still get your insurance cheaper than if you were to take out individual policies.
Pet Insurance Covering
Finding cover for pets with pre-existing conditions can be difficult. Even insurers that cover pre-existing conditions might not cover every illness. While you may be able to find insurance for a pet with pre-existing conditions, you should check your policy, so you’re clear on what cover you have.
Pet Insurance Covering
A once physio turned digital entrepreneur. Having made money in a lot of online models, I am focused on helping others achieve financial freedom, through not only making money, but saving money and investing money, so that you can live on your terms.
This content is for editorial purposes only and is not intended as advice.