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Best and worst pet insurance

By Simon Miller

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There's a huge variety of pet insurance policies, with pay-outs at vastly different levels, but Which? can help.

Video transcript

Veterinary bills can be eye watering. Mending a dogs knee can cost more than �4,000 and many cats suffer from kidney problems, which can cost hundreds of pounds to sort out. So it's no wonder that about 40% of pet owners have pet insurance. But certain pet insurance policies are, a dog's dinner.

Some policies includes sneaky terms
or severely limit pay outs.

One policy we found makes owners of older pets pay a 1/3 of the treatment cost on top of the excess that you've to pay.

So Which? is here to help.
Our pet insurance reviews combine our expert analysis of policies from the major insurers with feedback and ratings from hundreds of their customers. So that you can avoid the worst offenders.

The worst policies only cover an illness or injury for a limited time or place a cap on what they'll pay out for a specific illness and then don't cover it at all. But others cover your pet for life no matter how poorly your pooch gets.

To unlock all of our
ratings and find the perfect pet insurance for your needs, sign up for �1 trial.

Our experts have analysed the details of 70 policies from 11 major insurers, and scored them. In addition, there's a unique customer satisfaction score, based on 1,675 responses from Which? members who've taken out policies with these insurers. Our short video explains more about what we found.

This review reveals which insurers came out best for cover and for customer service, and which scored miserably - the worst-rated company got a customer score of just 44%. 

John Lewis, Direct Line, Petplan, M&S Bank and LV are all included in the survey.

To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews.

Pet insurance customer satisfaction
  Customer service Dealing with queries and complaints Transparency of charges and penalties Clarity of policy Experience of making a claim Customer score
Subscriber only content 5 stars - 5 stars 4 stars - 80%
Subscriber only content - - 5 stars 4 stars - 67%
Subscriber only content 4 stars 4 stars 3 stars 3 stars 4 stars 59%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 4 stars 57%
Subscriber only content 3 stars 4 stars 3 stars 3 stars 3 stars 55%
Subscriber only content 4 stars - 4 stars 3 stars - 55%
Subscriber only content 3 stars 4 stars 3 stars 3 stars 3 stars 54%
Subscriber only content 3 stars 4 stars 3 stars 3 stars 3 stars 50%
Subscriber only content 3 stars 4 stars 3 stars 3 stars 3 stars 50%
Subscriber only content 3 stars 4 stars 3 stars 3 stars - 47%
Subscriber only content 3 stars 4 stars 3 stars 3 stars - 46%
Subscriber only content 2 stars - 2 stars 2 stars - 41%
Subscriber only content - - - 3 stars - 39%

Table Notes:
The average customer score is 54%. Star ratings out of five show levels of satisfaction with each area. Customer scores are worked out using a combination of overall satisfaction and likelihood of recommending the provider to a friend. If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 for inclusion in the table.

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