We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies as per our policy which also explains how to change your preferences.

Dog insurance reviews

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

Finding and comparing the best dog insurance policy can be a minefield - there are so many policies that pay out in different ways, making it tough to know whether you're getting the right deal. 

So, Which? is here to help. 

We've analysed more than 30 of dog insurance policies to give you a shortcut to finding the best deal for your four-legged friend. 

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

And for more on how to get the best products for your dog, check out Which?'s dog harness and dog food reviews. 

 

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.

Which? members can see:

  • The full results from our analysis of dozens of 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: find the best policy

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 £1,500a 94% 55%
Subscriber only content £12,000 No upper age limit £3 million £2,000a 94% 49%
Subscriber only content £12,000 8/9 years oldb £3 million £2,000e 92% 60%
Subscriber only content £10,000 8 years old £3 million £1,500 86% 66%
Subscriber only content £7,500 No upper age limit £2 million £1,000a 85% 55%
Subscriber only content £7,000 No upper age limit £2 million £1,500a 84% 36%
Subscriber only content £7,000 8 years old £2 million £1,500e 79% 60%
Subscriber only content £10,000 No upper age limit £1.75 million £1,000 72% 55%
Subscriber only content £7,000 No upper age limit £1.5 million £750 64% 55%
Subscriber only content £10,000 No upper age limit £2 million £1,500 58% 52%
Subscriber only content £4,000 8 years old £2 million £1,500e 53% 60%
Subscriber only content £4,000 No upper age limit £1 million £600 45% 36%
Subscriber only content £3,000 No upper age limit £1 million £500a 44% 55%
Per condition per year (Lifetime cover)
Subscriber only content £6,000 No upper age limit £2 million £1,500f 88% 55%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000f 75% 55%
Subscriber only content £2,000 No upper age limit £1.5 million £750f 46% 55%
Subscriber only content £1,000 No upper age limit £1.5 million £500 39% 55%
Per condition (Non-lifetime cover)
Subscriber only content £13,000 9 years old £2 million £1,500h 78% 43%
Subscriber only content £7,500 9 years old £2 million £1,500h 75% 43%
Subscriber only content £7,500 No upper age limit £2 million £1,500i 69% 52%
Subscriber only content £8,000 No upper age limit £2 million £1,000a 67% 49%
Subscriber only content £4,000 No upper age limit £1.75 million £1,000 42% 55%
Subscriber only content £2,000 No upper age limit £1.5 million £750 31% 55%
Subscriber only content £1,000 No upper age limit £1.5 million £500 24% 55%
Time-limited per condition (Non-Lifetime cover)
Subscriber only content £3,000 No upper age limit £2 million £1,500 39% 52%
Subscriber only content £3,000 9 years old £1 million £1,000h 38% 43%
Subscriber only content £4,000 No upper age limit £1 million £500 37% 55%
Subscriber only content £3,000 No upper age limit £3 million £1,000 35% 60%
Subscriber only content £2,500 No upper age limit £2 million £1,500 33% 66%
Subscriber only content £3,000 No upper age limit £1 million £500 30% 49%
Subscriber only content £3,000 No upper age limit £1 million £350 30% 55%
Subscriber only content £3,000 No upper age limit £1 million £600 30% 36%
Policies ranked by policy score. Customer scores are from a survey of 1,343 policyholders. See our guide to pet insurance for more on the customer score results.

a Death by illness only available up to 9 years old.
b Maximum age of acceptance for the policy is 8 or 9 years depending on the breed of the dog.
c Death by illness only available up to 8 or 9 years depending on the breed.
d Maximum age of acceptance for the policy is 8 or 5 years for select breeds.
e Death by illness only available up to 8 or 5 years depending on the breed.
f Death by illness only available up to 7 years old.
g This policy has a total annual vet fee cap of £4,000.
h Death by illness only available up to 9 years old or 5 years old for selected breeds.
i Death by illness only available up to 8 years old.
j Premiums are collected in, equal periods of 28 days (a lunar month); renewing continually at the conclusion of each period subject to receipt of premium.
k Pets older than eight can opt for the senior policy, which offers the same level of cover except that you have to pay 35% of a claim.
l This policy has a total annual vet fee cap of £10,000.
m This policy has a total annual vet fee cap of £7,000.
n This policy has a total annual vet fee cap of £3,500.
o This policy has a total annual vet fee cap of £3,000.
p NFU Mutual's pet cover is only available to its home insurance policyholders
q Maximum age of acceptance is 6 years for some breeds