Pet insurance Pet policies
Cat and dog insurance policies reviewed
We compare and rate dog and cat policies from UK pet insurers to pick the best policies on the market. The tables below are ordered by policy score and show:
- Lifetime cover: Policies that meet our minimum criteria of £3,000 vet fee cover for cats and £4,000 for dogs. We have also included 'per condition' policies These offer more limited cover.
- Max age: Unless otherwise noted, the policy has no upper age limit for a new pet.
- Annual premium: Based on a five-year-old non-pedigree cat in a low risk area; for dogs based on a five-year-old non-pedigree dog and five-year-old Labrador, both living in a low risk area. Note for London pet owners: premiums may be as much as double the amount shown.
- Policy score: 60% of weighting is made up of vet fee cover, 40% is a combination of these policy features: cover for euthanasia, cremation/burial, third party liability (dogs only), dental cover, cattery/kennel fees and cover abroad.
| Cat policies | ||||
|---|---|---|---|---|
| Provider | Vet fee cover | Policy score | Annual premium - 5 year moggy in low risk area | Excess |
| Per condition per year (Lifetime cover) | ||||
| Computerquote Ultimate Lifea | £5,000 | 86% | £163 | £55 |
| Vetsure Premier Plusb | £5,000 | 85% | £171 | £69 [c] |
| Hastings Direct Premier Life | £6,000 | 82% | £116 | £75 |
| Computerquote Classic Lifea | £3,000 | 79% | £128 | £55 |
| The Green Insurance Ultimate Lifetime plusd | £6,000 | 79% | £155 | £60 |
| Hastings Direct Premier Life | £4,000 | 79% | £105 | £75 |
| Annual cover (Lifetime cover) | ||||
| Argos Platinum | £7,000 | 95% | £130 | £65 |
| Marks and Spencers Premier | £7,000 | 94% | £76 | £50 |
| John Lewis Pet Insurance | £10,000 | 88% | £112 | £75 |
| Pet Protect Lifelong Extrab | £8,000 | 87% | £294 | £75 + 15% |
| Petplan Ultimatee | £12,000 | 81% | £188 | £70 |
| Petplan Classice | £7,000 | 81% | £123 | £70 |
| Helpucover Premier Coverd | £6,000 | 80% | £105 | £60 |
| Lifelong Premier Coverd | £6,000 | 80% | £153 | £60 |
| Vet2pet Premier Coverd | £6,000 | 80% | £121 | £60 |
| The Green Insurance Lifetime Plusd | £7,000 | 78% | £146 | £60 |
| Saga Super Coverf | £5,000 | 75% | £153 | £60 + 10% |
| Pet Protect Lifelong Plusb | £4,000 | 74% | £207 | £75 + 15% |
| Petplan Classice | £4,000 | 67% | £119 | 70 |
| Per condition | ||||
| Sainsburys Option 2 | £7,500 | 81% | £104 | 50 |
| Protect Your Bubble Premier | £7,500 | 71% | £90 | 75 |
| RSPCA Gold Cover | £6,500 | 71% | £79 | 75 |
| Debenhams Gold | £7,000 | 69% | £192 | 75 |
| Esure Pet Plus | £7,500 | 69% | £140 | £75 + 20% |
| PDSA 7000 | £7,000 | 69% | £98 | £75 + 20% |
| Post Office Pet Insurance | £5,000 | 68% | £71 | £75 |
| Littlewoods Platinumg | £7,000 | 67% | £132 | £75 |
| Healthy Pets Gold | £7,500 | 65% | £59 | £75 + 20% |
| Kwik Fit Gold | £5,000 | 65% | £188 | £75 |
| Direct Line Pet Advancedd | £6,000 | 64% | £95 | £70 |
| Virgin Money Accident and Illness Extrad | £6,000 | 64% | £110 | £70 |
| Admiral Gold Plus | £5,000 | 64% | £138 | £60 |
| Petwise Gold | £5,000 | 63% | £163 | £75 + 20% |
| LV= Gold | £5,000 | 62% | £97 | £60 |
| Protect Your Bubble Standard | £4,000 | 58% | £74 | £75 |
| Esure Pet insurance | £3,500 | 56% | £103 | £75 + 20% |
| Debenhams Silver | £4,000 | 56% | £150 | £75 |
| PDSA 3000 | £3,000 | 54% | £93 | £75 + 20% |
| Healthy Pets Silver | £4,000 | 53% | £52 | £75 + 20% |
| Petwise Silver | £3,000 | 51% | £126 | £75 + 20% |
Table notes
- Policy is also availabe branded as UIS
- Maximum age for acceptance is nine years old
- Collected once per condition, not per condition per year
- Maximum age for acceptance is 10 years old
- Maximum age for acceptance is tenth birthday
- Maximum age for acceptance is seven yers old
- Policy is also available branded as Very
| Dog policies | ||||||
|---|---|---|---|---|---|---|
| Provider | Vet fee cover | Overall policy score | Annual Premium, Cross breed, mongrel, 5 years old | Excess | Annual Premium, Pedigree dog: Labrador retriever, 5 years old | Excess |
| Per condition per year (Lifetime cover) | ||||||
| Hastings Direct Premier Life | £6,000 | 82% | £272 | £75 | £296 | £75 |
| The Green Insurance Ultimate Lifetime Plusa | £6,000 | 79% | £260 | £60 | £325 | £60 |
| Computerquote Classic Lifeb | £5,000 | 78% | £302 | £55 | £382 | £55 |
| Vetsure Premier Plusc | £5,000 | 77% | £374 | £69d | £411 | £69d |
| Hastings Direct Premier Life | £4,000 | 67% | £218 | £75 | £255 | £75 |
| Annual cover (Lifetime cover) | ||||||
| John Lewis Pet Insurance | £10,000 | 89% | £192 | £75 | £286 | £75 |
| Homebase Platinum | £7,500 | 87% | £319 | £75 | £343 | £75 |
| Argos Platinum | £7,000 | 85% | £306 | £65 | £329 | £65 |
| Petplan Ultimatee | £12,000 | 81% | £382 | £75 | £382 | £90 |
| Marks and Spencers Premier | £7,000 | 81% | £182 | £70 | £256 | £70 |
| Pet Protect Lifelong Plusf | £8,000 | 80% | £426 | £100 + 20% | £600 | £100 + 20% |
| Petplan Classice | £7,000 | 69% | £216 | £75 | £293 | £90 |
| The Green Insurance Lifetime | £7,000 | 68% | £244 | £60 | £305 | £60 |
| Helpucover Premier Coverg | £6,000 | 65% | £311 | £70 | £491 | £90 |
| Lifelong Premier Coverg | £6,000 | 65% | £328 | £70 | £500 | £90 |
| Vet2pet Permier Coverg | £6,000 | 65% | £340 | £70 | £535 | £90 |
| Saga Super Coverh | £5,000 | 60% | £347 | £75 + 10% | £473 | £75 + 10% |
| Pet Protect Lifelong Plusf | £4,000 | 56% | £309 | £100 + 20% | £435 | £100 + 20% |
| Petplan Classice | £4,000 | 51% | £202 | £75 | £275 | £90 |
| Per condition | ||||||
| Sainsburys Option 2 | £7,500 | 72% | £210 | £100 | £263 | £100 |
| Protect Your Bubble Premier | £7,500 | 62% | £151 | £75 | £262 | £75 |
| Esure Pet Plus | £7,500 | 61% | £261 | £75 | £289 | £75 |
| RSPCA Gold Cover | £6,500 | 61% | £159 | £75 | £223 | £75 |
| Healthy Pets Gold | £7,500 | 57% | £159 | £75 | £301 | £75 |
| Debenhams Gold | £7,000 | 57% | £269 | £75 | £297 | £75 |
| PDSA 7000 | £7,000 | 53% | £207 | £75 | £213 | £75 |
| Littlewoods Platinumi | £7,000 | 53% | £183 | £75 | £201 | £75 |
| Post Office Pet Insurance | £5,000 | 52% | £140 | £75 | £210 | £75 |
| Direct Line Pet Advancea | £6,000 | 49% | £174 | £80 | £182 | £80 |
| Virgin Money Injury and Illnessa | £6,000 | 49% | £204 | £80 | £210 | £80 |
| Kwik Fit Gold | £5,000 | 48% | £244 | £75 | £292 | £75 |
| Admiral Gold Plus | £5,000 | 47% | £258 | £60 | £326 | £60 |
| LV= Premier | £5,000 | 45% | £159 | £60 | £192 | £60 |
| Petwise Gold | £5,000 | 45% | £230 | £75 | £253 | £75 |
| Protect Your Bubble Standard | £4,000 | 37% | £108 | £75 | £182 | £75 |
| Debenhams Silver | £4,000 | 36% | £209 | £75 | £230 | £75 |
| Healthy Pets Silver | £4,000 | 33% | £134 | £75 | £253 | £75 |
Table notes
- Maximum age for acceptance is 10 years old
- Policy is also available branded as UIS
- Maximum age for acceptance is 9 years old
- Collected once per condition, not per condition per year
- Maximum age for acceptance is eighth birthday, or fifth for specific breeds
- Maximum age for acceptance is seven, or five for specific breeds
- Maximum age for acceptance is eight years old, or five years old for particular breeds
- Maximum age for acceptance is seven
- Policy is also available branded as Very
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