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What is pet insurance?
Ensure you have pet insurance for your animals, Pet insurance will protect you against unexpected costs relating to your pet, including vet bills. Find out how pet insurance works, what to look for, how much it might cost and some of the other things to consider if you're thinking about buying a policy.
You're in the right place to ensure you've covered your Pet Better! Compare the pet insurance companies below using our table of trusted providers. If your pet is poorly or has an accident, this is both stressful for you and your furry friend. It can also be extremely costly if you don't have the adequate level of cover. Below we compare the UK's top trusted, best pet insurance companies to help make your decision.
Types of pet insurance
Accident only
Accident only pet insurance is usually cheaper than other types of pet insurance, but as its name suggests, would only pay out vet fees for treatment of an accident. This means that if your pet was to become ill, you would not be covered.
Time specific
Time specific pet insurance is also usually one of the cheaper options for pet insurance. Typically, a 12-month policy is designed to support pet owners with vet fees for treatments required for pets with short term illnesses.
Per condition
Per condition pet insurance has an allowance of vet fees that can be claimed for a single medical condition. There is no time limit on the policy but you would only be able to claim as much as the maximum vet fees allow for a single condition, the value is usually around £4000 - £8000. This would only be suitable if the condition wasn’t going to be expensive and exceed the value covered.
Lifetime
Lifetime pet insurance is the most comprehensive level of pet insurance cover, while it has the best levels of cover, it is ultimately more expensive for this benefit. The levels of cover for things like vet fees renew each year, but the policy is ongoing. This is a great policy for pets if you think they are at risk of long term or reoccurring illnesses and conditions.
Why get pet insurance?
While pet insurance isn't a mandatory purchase, like car insurance is law or home insurance is a stipulation of your landlord or mortgage company. Reduce the worry by having a pet insurance policy in place. If your pet was to have an accident or become suddenly unwell, you could be on the receiving end of some sizable vet bills. With pet insurance in place, you need not worry as your policy will cover this expense, so you can worry less about the costs associated with your pets recover, and focus on the wellbeing of your furry friend.
* please review the T&C of your policy as not all instances may be covered by the policy
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Currently displaying the top 5 offers for both dog and cat insurance
Waggel Pet Insurance
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Purely Pets Pet Insurance
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Napo Pet Insurance
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ASDA Money Pet Insurance
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Petwise Pet Insurance
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What pet insurance covers?
Generally speaking, most people get pet insurance to ensure ' covered if ' faced with the cost of vet fees and certain medical expenses. Vet fee cover can range from as little as £1,000 to as much as £15,000. But there are policies that have many different facets, and cover options. Additionally, for vet fee cover, see our list below for what most policies will include, and what some policies will exclude:
Death by accident or illness
Missing pet cover
Third-party liability
Overseas travel cover
Cattery and kennel fees
Euthanasia, cremation and burial
Dental cover
Pre-existing illness or injury (some are covered, see specific policy details)
Illness withing first 1-2 weeks of policy start
Routine and preventative treatment
Pregnancy and giving birth
When to get pet insurance
1. Buying your pets insurance policy at as young an age as possible, will typically result in a cheaper policy. Older pets are generally more expensive to cover. Most providers will allow you to cover your pet from either 4 or 8 weeks old.
2. The time of the month can play a part in the price you pay for your policy, be sure to give yourself plenty of time to make a decision and access your options and quotes from providers.
Things to consider when comparing pet insurance
Pet age
As our pets get older they become slower, more accident prone and higher risk of long term illness. This directly relates to pet insurance policies being more expensive. For this reason, insuring a one- or two-year-old pet would cost far less than insuring a pet 8 years or older. Specifically in dog insurance, the difference in a 1-year-old dog insurance policy Vs an 8-year-old dog insurance policy can be up to 10x more expensive.
Where you live
The address associated with your policy has quite an impact on the price of your policy. Research has shown that with everything else the same, the region to which you live in can impact the cost of the policy. With greater London being one of the most expensive locations to insure your furry friends.
Type of policy
Lifetime Vs annual pet insurance policies, the ongoing debate; honestly it depends on your pet's circumstances. A key reason for choosing lifetime pet insurance, is because most pet insures don’t cover pre-existing conditions or illnesses, thus switching to a new provider wouldn’t make sense if your cat or dog was to develop a long term illness such as diabetes or arthritis. Time limited policies, such as annual policies are ok to cover short term illnesses or accidents.
Breed
The breed of your cat or dog will impact the price of your pet insurance policy. It's reported that the 5 most expensive breeds to insure are English Bulldog, Rottweiler, Cane Corso, French Bull Dog and Golden Retriever. While the cheapest are said to be the Border Terrier, Shih Tzu, Yorkshire Terrier and Jack Russell.
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Why buy pet insurance?
Pet insurance is not compulsory. However, it can be useful to have if something unexpected happens to your pet. In this article we will give an outline of what pet insurance is, what it covers and explore some of the reasons why it is important. We hope this will give you enough information to decide whether pet insurance is a worthwhile investment for you and your furry friend.
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Pet insurance purchase guide
When you have a pet, they are truly a part of the family. When a pet falls ill, you will naturally want to ensure they can get the best care possible. However, it is no secret that vet visits can be expensive. Pet insurance is a worthwhile investment to ensure you can give your pet the treatment they need at times they fall under the weather.
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Types of pet insurance
Like you, your pet is an individual. For this reason, pet insurance needs can vary from one pet to another. In this article we will explore the diverse types of pet insurance available to you, to help you decide which level of coverage works best for you and your furry friend.
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What factors impact the price of pet insurance?
When our furry friends fall ill, naturally we want to give them the best care possible. Pet insurance is an important investment that will assist with the associated costs of keeping your pets in good health.
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Pet Better is a trading style of Farnborough Place Limited which is an appointed representative of Albany Park Limited, which is authorised and regulated by the Financial Conduct Authority. Financial Services Register number for Albany Park Limited is 304130 and 675132 for Farnborough Place Limited. This is regarding insurance products only.
Farnborough Place Limited is a registered company in England & Wales. Register number 06876406
Registered address: Cody Technology Park, Old Ively Road, Farnborough, Hampshire, GU14 0LX.