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Compare Best Pet Insurance From Leading UK Providers

If your pet gets ill or is injured it can be expensive as well as distressing. The best pet insurance can offer you cover for the cost of your vet bills and more.

  • Find policies from £3.01 per month¹

  • Compare quotes from 10+ providers

  • See our range of offers and discounts

illustration lady with dog

Compare pet insurance from more than 11 companies

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Waggel pet insurance logo
Bought By Many Logo
M & S Bank Logo
Co-Operative Logo
Healthy Pets Logo

Money.co.uk exclusive offer: Sign up to Waggel lifetime Pet Insurance and get your first month free!

  • Up to £10,000 vet fees cover and £0 excess option

  • Unlimited free video vet calls, behavioural, and nutritional consultations

  • Dental cover as standard for accident and illness

  • Exclusive membership rewards and discounts with our partners

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Waggel pet insurance

Money.co.uk exclusive: Get you pet insurance through Waggel and you'll get your first month completely free!

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Why get pet insurance?

Your pet is part of the family, so something happening to them can be a worrying and stressful experience - not to mention costly.

If you can get the best pet insurance, UK wide, you should be able to avoid some of these stresses. With the cover to meet the cost of your pet's vet bills, you can focus on making sure they get the care they need.

The right pet insurance can cover the cost of potentially expensive issues, as well as providing some welcome peace of mind.

Types of pet insurance

Accident only

Accident only pet insurance covers your pet's injuries if they have an accident. It's the most basic, cheapest pet insurance. Some policies give a low level of cover for vet fees if your pet gets ill as a result of their accident.

Time limited

A time limited pet insurance policy lets you claim for a specific condition, for a set time period (usually one year). Once the time period has expired, you will have to pay to treat your pet's condition yourself.

Max benefit

A max benefit pet insurance policy will let you claim for vet treatment, plus select other costs, up to a set limit, such as £8,000. Your insurer won't pay out once your costs begin to exceed that limit.


Lifetime cover is the most comprehensive type of pet insurance. It is also the most expensive. It lets you claim up to a set amount, such as £12,000, for each year of your pet's life, for any condition they suffer.

How to get a pet insurance quote


Compare our pet insurance deals

Choose the deal from our table that best suits your lifestyle and the needs of your pet.


Tell your chosen provider about your pet

Fill out the quote form with your chosen provider. This will include details such as your pet's age and breed.


Tell your chosen provider about yourself

Your provider will likely need certain details, such as your address and phone number.


Adjust for the level of cover you need

Tell your provider how much cover you will need to meet the cost of for your pet's vet bills.


Choose the best policy for your pet

Purchase your pet insurance policy, or select an alternative provider to compare quotes.

Pet insurance deals

13 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
Money.co.uk Exclusive: 1 Month Free
Waggel Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Introductory discount
1 month free for money.co.uk customers. Waggel offer a comprehensive Lifetime policy that covers reoccurring conditions and includes dental. It allows you to adjust the coverage and excess so that you can find a price to suit your budget.
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts8 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts8 weeks
Voted Pet Insurance Provider Of The Year at the 2021 Moneyfacts Consumer Awards
Bought By Many Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£15,000 a year
15% multi-pet discount
Over 400,000 pets covered. 18,600 - 5 star reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice whenever you need it. Hassle-free claims - Online claims with no forms and we we’ll update you as your claim is settled.
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts4 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts4 weeks
Pet Insurance Provider of the Year: Moneyfacts Consumer Awards 2020
The Insurance Emporium Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£8,000 per condition a year
10% multi-pet discount & 20% introductory discount
Voted Pet Insurance Provider of the Year at the Moneyfacts Consumer Awards 2020. Tailor your policy with Optional Benefits to suit your needs and budget. 20% Introductory Discount available for the first year of cover, T&Cs apply.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
This is an insurance broker.
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover startsUnlimited
Minimum cat age when cover starts5 weeks
Maximum dog age when cover startsUnlimited
Minimum dog age when cover starts5 weeks

How pet insurance works

Pet insurance is designed to cover the cost of vet treatment for your pet if they are unfortunate enough to have an accident or get sick. It can also cover costs of recovering your pet if they are stolen or stray. If you are a dog owner, it can cover you against third party damage they might cause.

It is likely your pet will require a trip to the vet at some point. It might be because they get a little over-adventurous and have an accident, or just because they need a routine check up. Pet insurance lets UK pet owners save themselves from paying surprise costs out of their own pockets.

Graphic of person holding three dogs on their leads

What you get with pet insurance

What you get with your policy will depend on the type of policy you choose and your level of cover. This means that when you compare pet insurance quotes and purchase a policy, you'll need to work out how much cover you need.

If you want cheap pet insurance, UK wide, you'll probably need to go for a low level of cover. This might cover the basics, but remember that there's no point in an insurance policy that doesn't give you the cover you need.

Make sure you are still covered for the things that are essential to you and your pet.

If you have a pedigree pet, your policy should give you a high levels of cover. Lifetime insurance can be the perfect pet insurance for these breeds as they often suffer from hereditary diseases as they get older.

It is important to consider that vet bills over the life a pedigree breed can be thousands of pounds, so lifetime or maximum benefit insurance can save you a lot of money in the long run. You might also want to check what your cover gets you if your pet is stolen or lost.

If your policy does not include everything you need, you may be able to pay more for add-ons and extras.

Maximum vet fee cover

Pet insurance providers will cover the vet bills for treatment your pet needs up to a specified amount².

You will be able to claim for the vet fees for many procedures, though not all. For those not covered, you will have to pay out of your own pocket.

You will also need to pay for any treatment yourself once your pet's vet bills exceed the covered amount.

The actual vet costs you are charged will vary depending on where you live, your pet and what the practice decides to charge. An initial consultation will likely be under £100, but other costs can add up if specialist treatment is required.

This graph shows an example of the level of cover offered by pet insurance providers.

When should you get pet insurance?

Most pet insurance policies will begin immediately, providing your pet is over a certain age. It is important to protect your pet with a policy as soon as possible, as they may need veterinary treatment or other support at any age.

Conditions your pet contracts in the first two weeks after you take out cover are frequently not included - so it pays to buy cover ahead of time if you're thinking about a new pet.

However, most providers will have a limit on the age your pet needs to be to qualify for cover. You can see in our table below a representative example of the age requirements listed by a selection of providers.

Make sure you have proof your pet is over the age specified by your chosen provider in your policy documents before you look to make claim. It is likely to be rejected if your pet is too young.

ProviderBought By ManyAnimal FriendsThe Insurance EmporiumPet-insurance.co.ukHealthy PetsWaggelDirect LineTesco BankAgriaCo-op InsuranceCorinium Insurance Services
Minimum age 4 weeks4 weeks5 weeks5 weeks5 weeks8 weeks8 weeks8 weeks8 weeks8 weeks8 weeks

What pet insurance covers

What your pet insurance policy covers will depend on a number of personal factors. Your pet's species, their breed, their age and where you live are all important.

However, there are three main basics to every good pet insurance policy.

The conditions and treatment they cover can vary, but you should be protected for common problems and issues faced by most pet owners.

So while the best pet insurance for you will depend on your pet and your lifestyle, most plans will typically cover them for accidents, illnesses and injuries.

Accident cover

Accident cover means you're covered if your pet gets injured or happens to injure someone else.

Illness cover

Illness cover is for if your pet becomes ill while your pet insurance policy's valid.

Emergencies cover

Emergencies cover is for if you fall ill and have to go into hospital. Some policies cover the cost of your pet's temporary care.

Treatments and conditions covered by pet insurance

Here are the specific treatments and conditions most UK pet insurance policies will cover, and what most plans will exclude.

What is covered

  • Alternative therapies (e.g. hydrotherapy or acupuncture) or any treatments that your vet has referred your pet for
  • Diagnostic (e.g. blood tests)
  • Third party costs if your dog damages someone else's property
  • Putting your pet to sleep
  • Emergency dental treatment

What's not covered

  • Routine and preventative procedures such as vaccination or flea treatment
  • Dental treatment, unless it is an emergency
  • Treatments or medication for pre-existing conditions
  • Paying for your pet to be buried or cremated
  • Neutering or spaying your pet

Remember to check your policy document and with your insurer if there is a particular treatment you need to be covered.

"Lifetime pet insurance policies may be the most expensive, but they will provide the most comprehensive cover. This could be especially important if your pet's breed commonly suffer from certain conditions as they age.

"Don't go just go for the cheapest option – find the best cover for you and your pet."

How to compare pet insurance

When you compare pet insurance quotes, you'll see different insurers offering different amounts. These prices are based on several factors. Your pet insurance comparison will take the following into consideration:

Your pet's age: Older pets are more likely to get sick, so their insurance costs more. For more information, read our handy guide to finding cover for your older pet.

Pre-existing medical conditions: If your pet's got any medical issues, then most insurers won't cover them. Those that do will charge you much more, because it's more risky for them to insure you.

Cost of your pet: Insurance for pedigree pets costs more than insurance for crossbreeds. That's because pedigree pets are more expensive to buy and can suffer from inherited health issues.

Type of pet: Small pets like rabbits are typically cheaper to cover than bigger pets like dogs and cats. That's because smaller pets cost much less to buy, and their vet fees are lower.

Pet insurance FAQs

Explore pet insurance guides

Woman kissing a dog on the head outside.

Can you get insurance for older pets?

As your pet gets older it may be harder and more expensive to find insurance. Here is what to look out for when searching for pet insurance for older animals.

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Can you get cover for your pet with existing conditions?

Even If your pet has suffered an illness, you can still find a pet insurance policy to cover them. Here is what cover you can get for your pet's conditions and how to find it.

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A buyer's guide to pet insurance

If you want to protect your pet, getting the right insurance policy is essential. Here is what you need to do to find the best cover.

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Why compare pet insurance with money.co.uk?

By comparing pet insurance, UK pet owners could save money on their policy. The best value pet insurance will offer the cover pets need at an affordable price. Choose a cover plan from the best UK pet insurance companies and see the online discounts they offer.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

¹This policy provides annual cover including the cost of vet fees up to £2,500. Price per month for cover based on a dog, Biff, aged 10, no known medical conditions, neutered, up to date with vaccinations and microchipped.
²Prices compiled by Money.co.uk from a selection of pet insurance providers. Figures checked 15/07/21.

Last updated: 05 November 2021