Compare low-excess pet insurance

Compare low-excess pet insurance policies so you can keep your costs down if you need to claim.

  • Choose your cover levels
  • Get quotes in under five minutes
  • Compare low-excess pet insurance from leading providers

Compare low excess pet insurance from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare low excess pet insurance

1

Enter your details

Have a look through our best options for low excess pet insurance from our product table. Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the most competitive pet insurance deals comparing quotes on the internet is a must.

2

View your quotes

Once you've seen a provider that you're interested in enter a few details to retrieve the quote. Have a look through a few options as cost can vary significantly between providers. Shopping around will increase the chances of finding the a cheaper deal for low excess pet insurance.

3

Apply and save

The cheapest low excess pet insurance option might catch your eye however check the cover levels to ensure you're fully protected if you need to make a claim. Once you've found the best option for covering your pet simply apply.

Pet insurance deals

9 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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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
Minimum excess
£50
Discounts
Introductory discount
Waggel Pet Insurance
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.
Eligibility
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
ManyPets Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£15,000 a year
Minimum excess
No excess
Discounts
15% multi-pet discount
ManyPets Pet Insurance
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.
Eligibility
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
Direct Line Pet Insurance
New cover starts for pets aged from
8 weeks to 10 years
Maximum vet fees
£8,000 per condition
Minimum excess
£80
Discounts
A multi-pet discount
Direct Line Pet Insurance
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed. Underwritten by U K Insurance Limited.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts10 years
Minimum cat age when cover starts8 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts8 weeks
Our Premier and Extra Cover is 5 Star rated by Defaqto
Tesco Bank Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 per condition
Minimum excess
£50
Discounts
-
Tesco Bank Pet Insurance
The Premier and Extra Cover is 5 Star rated by Defaqto.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
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
Pet-insurance.co.uk Pet Insurance
New cover starts for pets aged from
5 weeks
Maximum vet fees
£4,000 a year
Minimum excess
£85
Discounts
10% multi-pet discount & 20% introductory discount
Pet-insurance.co.uk	Pet Insurance
Pet-Insurance.co.uk offer both standard and lifetime pet insurance for dogs and cats, designed to suit your individual needs. Their policies can help protect against unforeseen Vet's Fees costs, and much more.
If you renew this policy any conditions you have already claimed for will not be covered.
Eligibility
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
2021 Feefo Platinum Award Winner
Healthy Pets Pet Insurance
New cover starts for pets aged from
5 weeks to 12 years
Maximum vet fees
£7,500 per condition
Minimum excess
£99
Discounts
20% introductory discount
Healthy Pets Pet Insurance
20% online discount for new customers, and as specialists, can pay the vet direct, offer free direct debiting, have 3rd party liability for dogs as standard, offer a range of cover to suit all budgets and love pets.
Some policies from this insurer may not let you claim on the same condition again once your policy has been renewed.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts12 years
Minimum cat age when cover starts5 weeks
Maximum dog age when cover starts10 years
Minimum dog age when cover starts5 weeks
'Pet Body Condition Score’ Discount
Only Paws Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£4,000 per condition a year
Minimum excess
£99
Discounts
-
Only Paws Pet Insurance
Cat & Dog insurance experts. Always-there-for-you pet insurance at affordable prices. Customize cover to suit your budget and needs. Easy-access online portal with hassle-free claims. ‘Pet Body Condition Score’ Discount when in the ideal range.
Eligibility
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
Free and unlimited access to online veterinary experts
Animal Friends Pet Insurance
New cover starts for pets aged from
4 weeks
Maximum vet fees
£6,000 per condition a year
Minimum excess
£69
Discounts
-
Animal Friends Pet Insurance
Award-winning specialist pet insurance for dogs, cats & horses. UK call centre. Animal Friends donates from their profits to animal welfare charities.
Eligibility
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

Looking for another type of pet insurance?

What is low-excess pet insurance?

Low-excess pet insurance is designed to reduce the cost of making a claim if something happens to your animal. It does this by lowering the excess (the part of the cost that you agree to cover whenever you make a claim). The excess varies depending on your policy – some insurers demand higher excess fees than others. 

A low-excess pet insurance policy means that you won’t face a high fee if you need to make a claim, but it’s not necessarily cheaper overall.

Can I get pet insurance with no excess?

Yes, although your choice of policy is more limited as most insurers apply a minimum excess. 

This comparison includes pet insurance policies with no excess, or with lower excesses than standard policies. You can use it to find the right cover for your pet at the cheapest price.

Find out how pet insurance works here.

What cover should I get?

The cost of caring for your sick or injured pet can run into thousands of pounds, so it pays to get the right cover.

The main types of pet insurance policy are:

  • Accident-only: a basic policy that only covers vet fees for accidental injuries – for example, if your dog breaks its leg. It’s the cheapest type of pet insurance, but the maximum amount you can claim is often low

  • Time-limited: lets you claim for specific conditions for a set period of time, usually no more than 12 months. Once this period expires, you must pay for any ongoing treatment yourself

  • Maximum benefit: covers conditions up to a set limit, for example, £5,000. Once you’ve reached this limit your insurer won’t pay any more claims for the same condition

  • Lifetime cover: the most comprehensive type of cover, but often the most expensive. You can claim up to a set amount – for example, £10,000 – for any condition each time your policy renews

How to choose the right insurance policy for your pet

Will I save money?

You could save money in the short term with a low-excess pet insurance policy, but it might work out more expensive over time. Some pet insurance policies come with no upfront excess fees when claiming but usually charge higher premiums as a result.

Cheap insurance could also end up costing you more long term if your insurer won’t cover your claim

You can, however, get cheaper cover by:

Compare as many quotes as possible to make sure you get the most for your money.

Low excess pet insurance FAQs

Explore pet insurance guides

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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.

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Last updated: 7 May 2022