Compare Pet Insurance

We completely understand how important your pet can be. They're your friend, or family even, and family is important. None of us want to consider the worry, time, or finances associated with taking them to the vet - it's hard to consider your pet anything other than healthy. But unfortunately, these things happen.

That's exactly why pet insurance exists. To give pet-owners the peace of mind that vet fees are covered in the event of illness, accident, or injury to the four-legged members of our family.

What types of insurance are available?

There are four main types of pet insurance available. Below you’ll find a small description of each type, so you have a basic understanding of the pet insurance you’re looking for:

1. Accident only is a basic and typically more affordable type of cover that will only cover your pet for injuries resulting from accidents. It does not provide any cover for illnesses or diseases, making it a limited but cost-effective option for unexpected physical injuries.
2. Time-limited pet insurance provides cover for each illness or injury for a specific period, typically 12 months from the start of the condition. After this period, or if the financial limit is reached, the condition is excluded from future coverage, making it a more budget-friendly but less comprehensive option.
3. Maximum benefit pet insurance offers a fixed amount of money for each illness or injury your pet may suffer, without any time limit on claiming. Once the set limit is reached for a particular condition, that condition is no longer covered, requiring careful management of funds for chronic or recurring issues.
4. Lifetime pet insurance provides continuous coverage for your pet throughout its lifetime, covering a wide range of medical issues including chronic conditions. It typically requires annual renewal and the coverage limits reset each year, ensuring ongoing financial support for your pet's health needs.

Remember that in most cases, pet insurers will not provide cover for pre-existing medical conditions. This doesn’t mean that your pet cannot be insured, just that any policies taken out after the presentation of symptoms would be excluded from cover. For more information on what might not be covered by your pet insurance, click here.

What does pet insurance cover?

There are lots of different pet insurance policies available, just like any other form of insurance product. They all have their own terms, conditions, cover levels, and benefits, so its important you check what is and isn't covered before taking out any pet insurance.

For more detailed information and answers to specific questions, check our Frequently Asked Questions.

So, should I insure my pet?

Ultimately it's up to you and your pet, and dependent on your individual circumstances.

Try to consider the cost of would-be vet bills - are you in a position to foot these yourself, as and when? Or does a lump sum/monthly premium suit you better? Remember there's no free medical care for our beloved pets, and vet bills can be sudden and expensive. It's up to you to make the best decision for your pet.