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How to find cheap pet insurance

Find out every step you need to take to find cheap pet insurance, including researching the best deals and how micro-chipping could help you save on your pet insurance premium.

In this article
Do your homework to find cheap pet insurance Get the right level of pet insurance cover to save money Find out the needs of your breed for a cheaper pet premium Make sure you are up to date on your jabs Buy pet insurance when your pet is healthy
Get your pet micro-chipped Check out multi-pet policies Pay annually for pet insurance (if you can afford it) Read your pet insurance policy details...carefully Talk to a pet insurance specialist

Finding a good deal on pet insurance  can be tricky but Which? is here to help!

Here are 10 top tips for finding cheap pet insurance: 

Do your homework to find cheap pet insurance

It’s best to do your homework and really shop around to find cheap pet insurance. 

We’ve analysed more than 70 cat insurance and dog insurance policies so you can find the perfect cover. In addition, thousands of customers have rated their pet insurance provider on customer service.

Members can log in 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 see exactly what you need to know about pet insurance, along with thousands of others, and enjoy the benefits of a Which? membership.

You can then go to the best insurers directly and or search price comparison sites for more pet insurance quotes.

Find out more: Cat insurance reviews and Dog insurance reviews.

Get the right level of pet insurance cover to save money

Making sure you get the right level of cover will help you find cheap pet insurance. The level of pet insurance cover offered by different policies varies dramatically so don’t just automatically opt for the most expensive.

As a starting point we recommend the following cover levels

  • Non-pedigree dog - at least £4,000 annual cover
  • Pedigree dog – at least £7,000 of annual cover
  • Cats – at least £3,000 of annual cover

Once you've carried out your own research on your pet you can then decide exactly what you need.

Find out the needs of your breed for a cheaper pet premium

Finding out the needs of your particular breed of pet could really help you find a cheaper premium. Certain breeds are prone to particular injuries and are more expensive to insure. 

For example, Labrador retrievers can be prone to cruciate ligament problems and dachshunds to back problems, both of which can set you back thousands of pounds in treatment costs.

On the whole, cats tend to be in better health than their canine counterparts, so it's reasonable to consider a lower level of cover, although they can still be prone to chronic conditions, such as hyperthyroidism, later in life. 

It’s also worth speaking to your vet about common conditions or hereditary problems. They should be able to estimate how much insurance you should get for your pet.

Make sure you are up to date on your jabs

Keeping your pet as health as possible can really help you save money on your pet insurance. This can be done by making sure your pet gets the appropriate inoculations and injections - including boosters, regularly.

This could make all the difference, because if your pet falls ill and you need to claim, your pet insurance premium could rise sharply in subsequent years.

Buy pet insurance when your pet is healthy

It might seem counterintuitive but it's much better to buy pet insurance when your pets are in good health. This is because pre-existing conditions are usually excluded from new pet insurance policies. 

So, if you buy  pet insurance before your pet falls ill you’re maximising the number of illnesses your pet will be covered for.

Get your pet micro-chipped

Microchipping your dog has been a legal requirement since April 6th 2016. Some pet insurance companies offer a discount if your cat is microchipped so be sure to ask when you’re getting quotes. 

Your vet will be able to provide details on how to get it done and how much it would cost.

Check out multi-pet policies

If you have multiple pets  it’s worth seeing if you can get a discount by insuring all of them with the same pet insurance provider. 

A number of pet insurers on the market will offer you a discount – sometimes up to 10% - so check a multi-pet policy to see if you can cut your costs even further.

Pay annually for pet insurance (if you can afford it)

Monthly payments may seem convenient, but a monthly plan is essentially a high-interest loan and can add significantly to your costs. 

You might be able to save a significant amount if you pay annually. In addition, some insurers will give you a discount if you buy cover online.

Read your pet insurance policy details...carefully

Always check the terms and conditions of your pet insurance policy carefully. The cheapest cover may not be enough to give your pet the right level of protection. 

The most basic pet insurance may cost less, but they put a time limit on the claim – usually 12 months – as well as a monetary one. Once the 12 months are up, that particular condition is excluded from the policy.

Talk to a pet insurance specialist

While cats and dogs are the most popular pets, many animal lovers have snakes, spiders and lizards. 

More exotic pets, and animals with vastly different needs such as horses, birds and rabbits, may not be adequately covered under traditional policies.

Speak to pet insurance specialists, such as Exotic Direct, to find the cover you need and, if you are still struggling, use the British Insurance Broker’s Association find a broker service for further help.