Pet Insurance Explained

A comparison of products from the 80 or so UK pet insurance providers can easily be done online. You can compare premiums for different health plans and find out what is included in the price.

Before taking out any policy check:

  • whether the cost of the policy meets your budget.
  • whether the veterinary fee cover is sufficient.
  • all exclusions and whether they will affect you.
  • the excess fees and how are they applied, for example fixed or variable.
  • any pre-existing conditions that your pet may have which could affect the cover.
  • the policy terms and conditions as your pet gets older
  • whether the pet insurance policy will cover your pet for the whole of its life

Third Party Liability - Pet Insurance

"Pet insurance plans include third party liability cover for dogs as part of the policy as majority of the top insurers do not provide the cover on it's own. Pet owners can be legally responsible for the actions of their animals. If your pet were to injure someone or run across the roa..."

Pet Insurance - Types of Pet Insurance Cover

"Searching for pet insurance can be a daunting task. There are so many different providers out there that offer pet insurance products and discounts when you sign up that, if you're not sure what you are looking for, trying to choose between them might become a time-consuming experience. To simp..."

Multiple Pets Insurance

"If you have more than one pet in your household you will need to arrange insurance cover for each pet individually. A pet insurance policy usually only applies to one pet. Their details are logged with the insurer, and if any claim is made on the insurance the insurer will want to confirm that the c..."

Cheapest Pet Insurance

"Out of the 3 main types of pet insurance policies annual cover tends to be the cheapest as the amount that can be claimed per condition is lower and cover for each condition is limited to 12 months. To keep the costs low some insurers even restrict the maximum amount that can be claimed each year i..."

Unlimited Pet Insurance

"There is no such thing as complete unlimited pet insurance as all pet insurance policies have some restriction or the other. For example per condition policies do not restrict the number of claims that can be made each year but they do set a maximum monetary limit for each condition and once the li..."

Life Time Pet Insurance

"Also known as cover for life pet insurance or whole life cover, this term is used to describe a form of pet insurance cover which protects your pet for life.  It is designed to cover for ongoing or durational conditions such as diabetes as long as you renew this policy yearly with the same insu..."

Per Condition Pet Insurance

"If annual pet insurance policy appears too restrictive although it tends to be the cheapest then you may like to consider a per condition policy. It is very similar to annual pet insurance as in the insurer sets a maximum amount for each new condition you can claim for but they do not place a time l..."

Instant Pet Insurance

"Almost all insurers exclude vet fees for illnesses that show clinical signs in the first 10-14 days of the policy. ‘Clinical sign(s)’ is defined as changes in your pet’s normal healthy state, its bodily functions or behaviour. Insurers will also exclude any conditions that relate t..."

Pet Insurance - Holiday Cancellation Cover

"Holiday cancellations happen for any number of reasons. Those that are attributed to poor health or to other emergency circumstances, such as a death in the family, are normally covered by travel insurance. A claim would be lodged with the insurer and, if approved, the claimant would receive reimbur..."

Pet Insurance - Excess Fees

"You will find that unfortunately, there is no such thing as no excess pet insurance as almost all insurers charge an excess fee of some sort.  The nearest you will get to that is to a fixed or ‘flat’ amount charged by your insurer but at least you’ll know what this amount is e..."