Compare low excess pet insurance

Compare companies that offer low excess pet insurance policies so you can keep your costs down if you have to make a claim.

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: 1st 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
1st 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 Best Pet Insurance Provider: Insurance Choice Awards 2020
Bought By Many 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
Over 300,000 pets covered. 14,000+ 5* reviews on Feefo. FREE unlimited video calls with a vet, 24/7 so you can get expert advice from the comfort of your home. Lifetime policies. No cancellation fee.
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
Get 12 months pet insurance for the price of 9 when you buy online. Introductory online discount applied over first 12 months.
If you renew this policy any conditions you have already claimed for will not be covered.
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
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 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
2020 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% online discount
20% online discount, 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.
If you renew this policy any conditions you have already claimed for will not be covered.
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
Tesco Bank Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 per condition
Minimum excess
£50
Discounts
-
Arranged, administered and underwritten by Royal Sun Alliance Insurance plc.
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
LV= Pet Insurance
New cover starts for pets aged from
8 weeks
Maximum vet fees
£10,000 a year
Minimum excess
£60
Discounts
10% online discount & a multi-pet discount
LV= is here when your cats and dogs need more than a little TLC - LV= can pay your vet fees directly. LV= offer pet insurance with 5 levels of cover to choose from, plus a 10% online discount.
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
Agria Pet Insurance
New cover starts for pets aged from
8 weeks to 9 years
Maximum vet fees
£12,500 a year
Minimum excess
£75
Discounts
A multi-pet discount
Lifetime pet insurance with up to £12,500 vet fees cover & a FREE £50 Pet Healthcare voucher, T&Cs apply. Moneyfacts Consumer Award Winners in 2019 & 2018: Best Claims Service & Pet Insurance Provider of the Year. Rated excellent on Trustpilot.
Eligibility
Maximum pet valueUnlimited
Available online
UK resident
Maximum cat age when cover starts9 years
Minimum cat age when cover starts8 weeks
Maximum dog age when cover starts9 years
Minimum dog age when cover starts8 weeks

Looking for another type of pet insurance?

Can you get pet insurance with no excess?

Yes, although your choice of policy may be limited as most insurers apply a minimum excess. This is the amount you need to pay your insurer when you make a claim.

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

Here is how pet insurance works

What cover should you get?

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

The main types of policy you can choose from are:

  • Accident only: This is a basic policy which only covers vet fees for accidental injuries, e.g. if your dog breaks its leg. It is the cheapest type of pet insurance, but maximum claim limits are often low.

  • Time limited: This lets you claim for specific conditions for a set period of time, usually no more than 12 months. Once this period is over, you need to pay for any ongoing treatment yourself.

  • Maximum benefit: This covers conditions up to a set limit, e.g. £5,000. Once you have claimed up to this limit, your insurer will not pay any more claims for the same condition.

  • Lifetime cover: This is the most comprehensive type of cover, but is often the most expensive. You will be able to claim up to a set amount, e.g. £10,000, for any condition each time your policy renews.

Here is how to choose the right insurance policy for your pet

Will you save money?

These policies can offer pet insurance with no upfront cost to claim, but as a result their premiums may be more expensive.

You could save money with a low excess pet insurance policy, but you could also get cheaper cover by:

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

Cheap insurance could end up costing you more long term if your insurer will not cover your claim. Use this comparison to find the right cover for your pet.

Low excess pet insurance FAQs

This is the amount of a claim you have to pay yourself, e.g. the first £75. Most insurers deduct this from the total amount of your claim.

It will cost less to claim, but you may have to pay more for your premium each year. Look for a policy with a low excess and a low monthly premium.

You are not usually required by law to insure your pet, but it could save you money if your pet is ill, injured, lost or stolen.

It varies between insurers, but your vet fee excess is usually deducted from your final settlement. You then have to pay the outstanding excess amount.


Pet Insurance Comparison