Pet insurance reviews Dog insurance reviews

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/policyVet fee coverMaximum age limitThird party liabilityDeath from illness
or accident
Policy score
Annual cover (Lifetime cover)
Subscriber only content£12,000No upper age limit£3 million£1,50096%
Subscriber only content£12,000No upper age limit£3 million£2,00094%
Subscriber only content£15,0008/9 years old£3 million£1,50094%
Subscriber only content£12,0005/8 years old£3 million£2,00090%
Subscriber only content£7,500No upper age limit£2 million£1,00077%
Subscriber only content£7,000No upper age limit£2 million£1,50075%
Subscriber only content£7,5008/9 years old£2 million£1,50074%
Subscriber only content£7,0005/8 years old£2 million£1,50069%
Subscriber only content£4,0005/8 years old£2 million£1,50057%
Subscriber only content£3,000No upper age limit£1 million£50051%
Per condition per year (Lifetime cover)
Subscriber only content£6,000No upper age limit£2 million£1,50091%
Subscriber only content£4,000No upper age limit£1.75 million£1,00071%
Subscriber only content£2,000No upper age limit£1.5 million£75051%
Subscriber only content£1,000No upper age limit£1 million£60046%
Per condition (Non-lifetime cover)
Subscriber only content£13,0009 years old£2 million£1,50087%
Subscriber only content£8,000No upper age limit£2 million£1,00071%
Subscriber only content£7,500No upper age limit£2 million£1,50071%
Subscriber only content£7,5009 years old£2 million£1,50069%
Subscriber only content£8,00011 years old£2 millionn/a64%
Subscriber only content£4,000No upper age limit£2 million£1,50056%
Subscriber only content£4,000No upper age limit£2 million£1,00053%
Subscriber only content£5,000No upper age limit£2 million£75049%
Time-limited per condition (Non-Lifetime cover)
Subscriber only content£3,000No upper age limit£1 million£1,50047%
Subscriber only content£3,000No upper age limit£2 million£50041%
Subscriber only content£3,0009 years old£1 million£1,00041%
Subscriber only content£6,0008 years old£2 million£50040%
Subscriber only content£4,0008 years old£2.5 millionPrice paid for pet40%
Subscriber only content£5,000No upper age limit£2 million£75039%
Subscriber only content£5,5008 years old£1.75 million£1,25038%
Subscriber only content£5,0008 years old£1.75 million£1,00038%
Subscriber only content£3,000No upper age limit£2 million£60038%
Subscriber only content£4,00011 years old£1 millionn/a37%
Subscriber only content£2,0008 years old£2.5 millionPrice paid for pet37%
Subscriber only content£3,000No upper age limit£2 million£1,00037%
Subscriber only content£4,000No upper age limit£1.75 million£1,00035%
Subscriber only content£1,500No upper age limit£1 million£50035%
Subscriber only content£4,5008 years old£1.5 million£75033%
Subscriber only content£2,000No upper age limit£1.5 million£75030%
Subscriber only content£1,0008 years old£1.5 million£75027%
Subscriber only content£1,0008 years old£1.25 million£50025%
Subscriber only content£500No upper age limit£1 million£35021%

Table Notes:
Information correct January 2016. 

 

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