Pet Insurance
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- You could pay from £3.35 per month*
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*Price per month for cover based on a dog, Timothy, aged 2 months, no known medical conditions, up-to-date vaccinations, and microchipped. Based on quote data provided by Seopa Ltd during January 2024. The quote price you could achieve is dependent on your individual circumstances.
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Click HereHow does pet insurance work?
Pet insurance is designed to help you cover vet bills.
You can pay monthly or annually for a pet insurance policy. You can then claim for any treatment costs your pet needs if they develop a condition, or suffers an injury, that’s covered by your policy.
You’ll normally decide on an excess in advance. This is the amount you’ll pay towards any treatment your pet needs.
The rest should be covered by your policy, but there’s usually a maximum amount you can claim for.
With vet treatment costs often costing thousands, pet insurance can help ensure your pet can get any treatment they may need.
What's the best type of pet insurance to get?
This depends on what you want your policy to cover, and how much you want to cover your pet for.
There are four main types of pet insurance to choose from:
- Accident only
- Time-limited
- Maximum benefit
- Lifetime pet insurance
Accident only covers your pet against accidental injury, but not illnesses. Some policies only give you a certain amount of time to seek treatment after your pet’s accident. Treatment outside of this time limit might not be covered.
Time-limited covers each illness or injury your pet suffers for a set period of time. So if they break a leg, you may be given 12 months to claim for treatment to fix it. Any treatment needed after this period won’t be covered. You might have a maximum claim amount too, and anything over this amount won’t be covered either.
Maximum benefit gives you a set amount of cover for each illness or injury your pet suffers. Once this amount has been reached, any further treatment for that same condition won’t be covered.
Lifetime pet insurance covers long-term conditions or injuries for life, as long as they begin during the cover period. The policy will need to be renewed each year for cover to continue, and you might have a set amount you can claim each year.
What does pet insurance cover?
Exactly what your pet insurance covers depends on the type of policy you take out
All policies should cover accidental injury, but the amount you can claim for treatment varies.
Depending on the type you have, your policy might also cover:
- Treatment for unexpected illnesses, although exactly what illnesses are covered will depend on your policy
- Boarding fees for kennels or catteries if your pet has to spend time away from home unexpectedly, if you’re hospitalized and unable to care for them, for example
- Liability cover if your pet causes accidental damage to a third party and they decide to take action against you
- Advertising and reward if your cat or dog goes missing or is stolen
But as with all insurance, it’s important to read the small print to make sure you know what you’re covered for.
What isn’t covered is a little more straightforward, as most policies typically exclude:
- Preventive treatments
- Dental treatment
- Pre-existing conditions
- Routine check-ups
- Treatment for behavioral problems
What details do I need to obtain a quote?
Pet Details
The type of pet (dog, cat, rabitt) and the name.
Date of birt, purchase priceand vacinations
Personal Details
Including your name, contact details,
address & occupation.
Claim History
Your claims history is taken into account, too.
Those who have made claims in the past few years
will be likely to pay more for their cover.
Type of Insurance
What type of cover you require.
How much pet insurance cover do I need?
According to the ABI, the average cost of a pet insurance claim is £848*.
But this is only the cost for a single claim. Complicated issues that require multiple claims could cost thousands. So taking out enough cover is important.
Taking out too much cover is a problem too, as this can leave you with a policy that you can’t afford.
To ensure you get the right amount of cover, think about:
- What you want your policy to cover
- How much excess you can afford to pay
- How much you can afford to pay each month
- This should help you get the right cover amount when the time comes.
*Association of British Insurers study, looking at 1,029,000 pet insurance claims filed in 2021.
