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/policy||Vet fee cover||Maximum age limit||Third party liability||Death from illness|
|Policy score||Customer score|
|Annual cover (Lifetime cover) |
|£12,000||No upper age limit||£3 million||£1,500||96%||57%|
|£12,000||No upper age limit||£3 million||£2,000||95%||50%|
|£15,000||8/9 years old||£3 million||£2,500||94%||55%|
|£12,000||5/8 years old||£3 million||£2,000||90%||59%|
|£10,000||No upper age limit||£2 million||£1,500||89%||54%|
|£10,000||No upper age limit||£3 million||£1,500||86%||67%|
|£7,500||No upper age limit||£2 million||£1,500||80%||54%|
|£7,500||No upper age limit||£2 million||£1,000||77%||57%|
|£7,000||No upper age limit||£2 million||£1,500||75%||39%|
|£7,000||No upper age limit||£2 million||£1,500||75%||46%|
|£7,500||8/9 years old||£2 million||£1,500||72%||55%|
|£7,000||5/8 years old||£2 million||£1,500||69%||59%|
|£4,000||5/8 years old||£2 million||£1,500||57%||59%|
|£3,000||No upper age limit||£1 million||£500||51%||57%|
|Per condition per year (Lifetime cover) |
|£6,000||No upper age limit||£2 million||£1,500||91%||55%|
|£4,000||No upper age limit||£1.75 million||£1,000||71%||55%|
|£2,000||No upper age limit||£1.5 million||£750||51%||55%|
|£1,000||No upper age limit||£1 million||£600||46%||46%|
|Per condition (Non-lifetime cover) |
|£13,000||9 years old||£2 million||£1,500||87%||50%|
|£8,000||No upper age limit||£2 million||£1,000||71%||50%|
|£7,500||No upper age limit||£2 million||£1,500||71%||54%|
|£7,500||9 years old||£2 million||£1,500||69%||50%|
|£8,000||11 years old||£2 million||n/a||64%||47%|
|£4,000||No upper age limit||£2 million||£1,500||56%||54%|
|£4,000||No upper age limit||£2 million||£1,000||53%||50%|
|Time-limited per condition (Non-Lifetime cover) |
|£3,000||No upper age limit||£1 million||£1,500||47%||64%|
|£4,000||No upper age limit||£1.5 million||£750||41%||39%|
|£3,000||No upper age limit||£2 million||£500||41%||50%|
|£3,000||9 years old||£1 million||£1,000||41%||50%|
|£6,000||8 years old||£2 million||£500||40%||41%|
|£5,000||No upper age limit||£2 million||£750||40%||67%|
|£4,000||8 years old||£2.5 million||Price paid for pet||40%||80%|
|£5,500||8 years old||£1.75 million||£1,250||38%||41%|
|£5,500||8 years old||£1.75 million||£1,000||38%||41%|
|£4,000||11 years old||£1 million||n/a||37%||47%|
|£2,000||8 years old||£2.5 million||Price paid for pet||37%||80%|
|£3,000||No upper age limit||£2 million||£1,000||37%||59%|
|£4,000||No upper age limit||£1.75 million||£1,000||35%||55%|
|£2,500||No upper age limit||£1 million||£250||35%||39%|
|£1,500||No upper age limit||£1 million||£500||35%||50%|
|£4,500||8 years old||£1.5 million||£750||33%||41%|
|£2,000||No upper age limit||£1.5 million||£750||30%||55%|
|£1,000||8 years old||£1.5 million||£750||27%||41%|
|£1,000||8 years old||£1.25 million||£500||25%||41%|
|£500||No upper age limit||£1 million||£350||21%||55%|
Information correct January 2016.
Get Which? reviews and advice
Which? members have full access to all of our reviews - log in now if you're already a member or try a trial subscription to Which? to get instant access to our site.
Expert impartial reviews
When you sign up, you'll get access to this exclusive review as well as thousands of others.
Why use Which?
We test products in the way you use them, looking at quality and ease of use without being bamboozled by manufacturers' claims.
Which? is unbiased. We buy every product we test and don't accept any advertising.
Advice you can trust
When you join Which? you get a monthly magazine, you can phone our legal service and money helpline, and you can access Which? Local, where members share recommendations for services in your area.
Ready to become a Which? member? Then take out a trial subscription today.