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Pet insurance company reviews

Read Which?'s expert analysis of pet insurance policies and providers to find the best deal for your four-legged friend.

In this article
How do I choose pet insurance? Best pet insurers for customer service
Best pet insurance policies Get top money-saving tips from Which?

How do I choose pet insurance?

When you're looking for the right pet insurance, it's tough to know where to start - there are a variety of policies which all work in different ways. 

But Which? can make it easier for you. 

We've analysed the details of different pet insurance policies, rating all the aspects of the cover that matter to you, so that you can compare policies and get the right deal.

We've combined that with our unique customer satisfaction score, where you can see how thousands of real customers rate pet insurance companies for customer satisfaction.

Our short video explains how to find the best pet insurance:

Best pet insurers for customer service

We've surveyed over a thousand Which? members who hold pet insurance to get their views.

Click on the insurer names in the table to read our individual reviews.

This table only includes insurers that received at least a minimum number of customer ratings. We also analysed the policies of many other insurers - see below.

Members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

 

Brand undefined Ease of application process Policy clarity Communications Handling of queries Concerns and complaints Transparency of charges Reasonably priced
75%

5 out of 5

5 out of 5

5 out of 5

- -

5 out of 5

5 out of 5

70%

5 out of 5

5 out of 5

5 out of 5

- -

5 out of 5

4 out of 5

68%

4 out of 5

4 out of 5

4 out of 5

- -

4 out of 5

4 out of 5

67%

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

66%

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

4 out of 5

3 out of 5

65% -

4 out of 5

- - - -

3 out of 5

62%

4 out of 5

5 out of 5

4 out of 5

- -

4 out of 5

3 out of 5

59%

4 out of 5

4 out of 5

4 out of 5

- -

4 out of 5

3 out of 5

58%

3 out of 5

4 out of 5

3 out of 5

4 out of 5

-

3 out of 5

3 out of 5

53%

3 out of 5

3 out of 5

3 out of 5

- -

3 out of 5

3 out of 5

53%

3 out of 5

3 out of 5

3 out of 5

- -

3 out of 5

3 out of 5

 

Table notes: Customer Score data based on a survey of 1,194 Which? members with pet insurance in October 2020. '-' represents where we have insufficient sample size (less than 30) to generate a star rating.

 

How we calculate the best pet insurance

 

The customer score is based on a survey of 1,194 Which? members are worked out using a combination of overall satisfaction and likelihood of recommending the provider to a friend. 

If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.

Customer Score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider.

Customer Score sample size: Bought by Many (56), Direct Line (50), LV= (65), Animal Friends (144), PetPlan (349), The Kennel Club (31), John Lewis (52), Marks & Spencer Bank (40), Tesco Bank (86), Sainsbury's Bank (40), MORE THAN (38).

Best pet insurance policies

We've analysed 68 cat insurance policies and 63 dog insurance policies, including policies from insurers we weren't able to get customer scores for.

We've given each policy a policy score and provided a more detailed breakdown of key policy elements.

We've also got guides on how pet insurance works and how to save money on pet insurance - click the links to find out more.

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