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Best and worst pet insurance

Getting the right pet insurance can give you peace of mind for the future. Our expert analysis rates the best and worst pet insurance policies - and tells you which pet insurance companies provide the best customer service.

In this article
How do I find the best pet insurance? The best and worst pet insurance companies 
How we calculate the score

 

With a huge variety of pet insurance policies on the market that pay out in vastly different ways, finding the right cover for your pet can be difficult.

So, Which? is here to help. 

Our experts have analysed the details of 70 policies from the major insurers, and scored them, allowing you to compare the best and worst policies. 

In addition, we've created a unique customer satisfaction score, based on 1,343 responses from Which? members who've taken out policies with these insurers, so you can find the insurers that provide the best customer service.

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.

Which? members can login to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Pet insurance customer satisfaction
Value for money Dealing with queries Transparency of charges and penalties Clarity of policy Experience of making a claim Regular communication Customer score
Subscriber only content 3 stars - 4 stars 4 stars - - 66%
Subscriber only content 3 stars 4 stars 4 stars 4 stars - 4 stars 64%
Subscriber only content 3 stars 4 stars 3 stars 4 stars 4 stars 4 stars 60%
Subscriber only content 3 stars 3 stars 3 stars 3 stars 3 stars 3 stars 55%
Subscriber only content 3 stars 4 stars 3 stars 4 stars - 3 stars 55%
Subscriber only content 3 stars - - 3 stars - - 53%
Subscriber only content 3 stars 4 stars 3 stars 4 stars 4 stars 3 stars 52%
Subscriber only content 3 stars 4 stars 3 stars 3 stars - 3 stars 49%
Subscriber only content 2 stars 3 stars 2 stars 3 stars - - 43%
Subscriber only content 2 stars - 3 stars 3 stars - - 36%
Average: - - - - - - 55%

Table Notes:
In January 2018 we surveyed 1,343 pet insurance customers about how satisfied they were with their provider and how likely they'd be to recommend it to a friend. '-' means there weren't enough responses for a rating.
Providers must receive a minimum sample size of 30 for inclusion in the table.

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