If your pet becomes ill, injured or lost, the right insurance policy could help you cover the costs.

Every pet is different so you need to make sure you get insurance that will cover them throughout their life, whether you have a dog, cat or a more exotic pet.

You can use our comparison above to find the right insurance policy for your pet, but first think about what cover they need.

Choose the right level of cover

How much cover your pet has for vet treatment depends on what type of policy you buy, so think carefully about which one you need:

  • Accident only: Your pet is only covered for treatment needed after an accidental injury. Some also offer low levels of cover for vet fees, but not all.

  • Time limited: You can claim for a specific condition for a set time period only, usually 12 months. After this you have to pay to treat that condition yourself.

  • Maximum benefit: A condition will be covered up to a set limit, for example 8,000. Your insurer will not pay out for that condition once you reach the limit.

  • Lifetime: This is the most comprehensive policy because it lets you claim up to a set amount, for example 12,000, each year of your pet's life for any condition.

If you have a pedigree pet think about getting a high level of cover because they can suffer from hereditary diseases as they get older.

Look at what cover you can get for things like theft, straying and third party liability. Here is everything you need to know about what is covered by a pet insurance policy.

When you know what cover you need you can use our review page to help find pet insurance companies that have been recommended by other customers.

Always check the exclusions

Pet insurance policies come with exclusions that could mean your claim is rejected, so think about:

  • How old your pet is, because some policies will not cover older animals. Our comparison shows which ages each insurer can cover.

  • Your pet's health, because most policies will not cover existing medical conditions.

  • If your pet is used for monetary gain, because most insurers will not cover working animals or pets used for breeding.

Here is how to make sure your pet insurance policy pays out, including all the exclusions to look out for.

Pet insurance FAQs


What pets can I get insurance for?


Most insurers offer cover for dogs and cats only, but you can also find insurance for rabbits, horses, birds and exotic pets.


How do I claim on my pet insurance?


You need to send a claims form to your insurer. Here is what you need to do to make a pet insurance claim.


Can I get cover that starts immediately?


Yes, most policies will start instantly when you purchase your cover, which means you could claim straight away if you needed to in an emergency.


Does pet insurance cover vaccinations?


No, you cannot claim on your policy to cover the cost of routine treatments like vaccinations or vet check ups.


Can I cover more than one pet on the same policy?


Yes, you can get a multi pet policy that covers two or more pets which may earn you a discount. Here is how to insure multiple pets at once.


Can I cover my older pet?


Yes, but many insurers set a maximum age limit on their policies, for example eight years old for dogs and cats. Here is how to find cover for your older pet.


Can pet insurance cover existing conditions?


Most policies do not, but some can cover conditions if your pet has been symptom free for at least two years. Find out more here.