Dog insurance reviews

Pet insurance

Dog insurance reviews

By Simon Miller

Put us to the test

Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You'll instantly be able to compare our test scores, so you can make sure you don't get stuck with a Don't Buy.

Our unique dog insurance reviews rate the quality of different types of insurance policy, helping you find the cover you need.

Our policy scores are made up of Which?'s expert views on the amount of cover you get for vet bills, along with seven other elements of a policy. The higher the score, the better we've rated the policy. 

Take out a trial to Which? for just £1 and we’ll tell you exactly what you need to know to pick the best dog insurance policy for your needs. By logging in, Which? members can see:

  • The full results from our analysis of 36 different dog insurance policies, including our unique policy scores
  • A full breakdown of how each pet insurer is rated for customer service, value for money, transparency of charges, experience with making claims and much more.
  • Individual overviews of each provider, revealing everything from the deals they offer to how thousands of real customers rate different aspects of their service.
  • Access to the Which? Money Helpline, where you can get one-to-one telephone help on any financial matters with one of our experienced helpline staff.

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

Dog insurance reviews
Provider/policy Vet fee cover Maximum age limit Third party liability Death from illness
or accident
Policy score Customer score
Annual cover (Lifetime cover)
Subscriber only content £12,000 No upper age limit £3 million £1,500 96% 57%
Subscriber only content £12,000 No upper age limit £3 million £2,000 95% 50%
Subscriber only content £15,000 8/9 years old £3 million £2,500 94% 55%
Subscriber only content £12,000 5/8 years old £3 million £2,000 90% 59%
Subscriber only content £10,000 No upper age limit £2 million £1,500 89% 54%
Subscriber only content £10,000 No upper age limit £3 million £1,500 86% 67%
Subscriber only content £7,500 No upper age limit £2 million £1,500 80% 54%
Subscriber only content £7,500 No upper age limit £2 million £1,000 77% 57%
Subscriber only content £7,000 No upper age limit £2 million £1,500 75% 39%
Subscriber only content £7,000 No upper age limit £2 million £1,500 75% 46%
Subscriber only content £7,500 8/9 years old £2 million £1,500 72% 55%
Subscriber only content £7,000 5/8 years old £2 million £1,500 69% 59%
Subscriber only content £4,000 5/8 years old £2 million £1,500 57% 59%
Subscriber only content £3,000 No upper age limit £1 million £500 51% 57%
Per condition per year (Lifetime cover)
Subscriber only content £6,000 No upper age limit £2 million £1,500 91% 55%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000 71% 55%
Subscriber only content £2,000 No upper age limit £1.5 million £750 51% 55%
Subscriber only content £1,000 No upper age limit £1 million £600 46% 46%
Per condition (Non-lifetime cover)
Subscriber only content £13,000 9 years old £2 million £1,500 87% 50%
Subscriber only content £8,000 No upper age limit £2 million £1,000 71% 50%
Subscriber only content £7,500 No upper age limit £2 million £1,500 71% 54%
Subscriber only content £7,500 9 years old £2 million £1,500 69% 50%
Subscriber only content £8,000 11 years old £2 million n/a 64% 47%
Subscriber only content £4,000 No upper age limit £2 million £1,500 56% 54%
Subscriber only content £4,000 No upper age limit £2 million £1,000 53% 50%
Time-limited per condition (Non-Lifetime cover)
Subscriber only content £3,000 No upper age limit £1 million £1,500 47% 64%
Subscriber only content £4,000 No upper age limit £1.5 million £750 41% 39%
Subscriber only content £3,000 No upper age limit £2 million £500 41% 50%
Subscriber only content £3,000 9 years old £1 million £1,000 41% 50%
Subscriber only content £6,000 8 years old £2 million £500 40% 41%
Subscriber only content £5,000 No upper age limit £2 million £750 40% 67%
Subscriber only content £4,000 8 years old £2.5 million Price paid for pet 40% 80%
Subscriber only content £5,500 8 years old £1.75 million £1,250 38% 41%
Subscriber only content £5,500 8 years old £1.75 million £1,000 38% 41%
Subscriber only content £4,000 11 years old £1 million n/a 37% 47%
Subscriber only content £2,000 8 years old £2.5 million Price paid for pet 37% 80%
Subscriber only content £3,000 No upper age limit £2 million £1,000 37% 59%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000 35% 55%
Subscriber only content £2,500 No upper age limit £1 million £250 35% 39%
Subscriber only content £1,500 No upper age limit £1 million £500 35% 50%
Subscriber only content £4,500 8 years old £1.5 million £750 33% 41%
Subscriber only content £2,000 No upper age limit £1.5 million £750 30% 55%
Subscriber only content £1,000 8 years old £1.5 million £750 27% 41%
Subscriber only content £1,000 8 years old £1.25 million £500 25% 41%
Subscriber only content £500 No upper age limit £1 million £350 21% 55%

Table Notes:
Information correct January 2016.