Pet Insurance
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Discover pet insurance quotes from just £3.09 per month₍₃₎
Quotes provided by Quotezone.
Savings based on representative cost savings from April 2026.
Why pet insurance matters
Life is better with a beloved pet by your side, but unexpected vet bills can quickly become expensive. Whether it's an accident or bout of illness, pet insurance can help protect you from sudden costs and give you peace of mind when your furry friend needs care most.
In the UK, pet insurance can offer valuable financial support for many of the risks that come with pet ownership, helping you focus on what matters most: keeping your pet happy and healthy.
Five reasons to get pet insurance:
Financial protection
It helps cover high-cost treatments such as surgery, hospitalization, and prescription medications, which can easily reach thousands of pounds.
Peace of mind
Knowing you are covered for unexpected illnesses or accidents allows you to focus on your pet's recovery during stressful times.
Manage chronic conditions
If you choose a lifetime policy while your pet is young, it can cover ongoing treatments for long-term issues like arthritis, heart problems, or diabetes for the rest of their life.
Third-party liability
Many policies include cover if your dog causes damage to property or injures another person or pet.
Emergency boarding
Kennel or cattery fees if you are hospitalized and cannot care for your pet.
Finding the right pet insurance for you
The best pet insurance policy is the one that suits both you and your pet. The type of cover for you depends on your pet’s age, breed, species and any pre-existing medical conditions. There are several levels of cover available:
Lifetime
- What is covered: Illnesses and injuries, including ongoing conditions.
- Coverage limits: Annual limit resets each year.
- New illness coverage: Yes, provided the policy is renewed.
- Waiting period: Usually 14 days.
Accident-only
- What is covered: Injuries resulting from accidents only.
- Coverage limits: Fixed limit per accident.
- New illness coverage: No.
- Waiting period: Often none for accidents.
Annual (Time-limited)
- What is covered: Illnesses and injuries for up to 12 months per condition.
- Coverage limits: Limit per condition, which expires after 12 months.
- New illness coverage: No.
- Waiting period: Around 14 days.
Maximum Benefit
- What is covered: Illnesses and injuries per condition.
- Coverage limits: Fixed limit per condition with no time limit.
- New illness coverage: No.
- Waiting period: Around 14 days.
Instant Cover
- What is covered: Immediate cover for accidents (some include illness).
- Coverage limits: Varies by policy.
- New illness coverage: Sometimes.
- Waiting period: No waiting period.
Via Mirror Switch and Save, you can compare quotes from up to 25 pet insurance providers, helping you save both time and money. Get quotes today and find cover tailored to your pet.
There are pet insurance options for every pet
Dog Insurance
Dog insurance acts as a critical financial safety net, ensuring that a sudden, expensive emergency like a surgery or hospital stay doesn't force you to make a heartbreaking choice based on cost. It provides peace of mind by covering ongoing treatments for chronic conditions like allergies or arthritis that can accumulate thousands in bills over a dog's life. Additionally, many policies offer protection against third-party liability if your dog accidentally causes property damage or injury to others.
Cat Insurance
Happy cat = happy cat owner. Cat insurance ensures that expensive emergency treatments, such as surgery for an intestinal blockage or specialized care for a fracture, don't become a financial burden. It is particularly valuable for managing common feline chronic conditions like kidney disease or hyperthyroidism, which often require lifelong medication and regular testing. Having a policy in place allows you to focus on your cat's recovery and quality of life rather than worrying about the rising costs of veterinary care.
Rabbit Insurance
Rabbits are becoming increasingly popular pets in the UK — and it’s easy to see why. Rabbit insurance is available as accident-only or lifetime cover and can help with conditions such as GI stasis and respiratory disease. Many insurers also allow rabbits to be added to multi-pet policies. Rabbit insurance is equally important because rabbits are delicate, "exotic" pets that often require specialized veterinary care, which can be surprisingly expensive
Multi-Pet Insurance
If you have more than one pet, a multi-pet policy could save you money. These policies often cover dogs, cats and rabbits under one plan, with discounts available for insuring multiple pets together. Some insurers also allow different levels of cover for each pet. These kind of policies are perfect for people with a lot of non-human companions in their lives.
Insurance for Older Dogs
Dogs are generally considered “older” from around the age of seven. Insuring an older dog is highly recommended because their likelihood of developing costly chronic conditions—such as arthritis, diabetes, heart disease, and cancer—increases significantly with age. Insurance for older dogs can help provide financial support for ongoing treatments and specialist care.
Cover for Existing Medical Conditions
If your pet has already been diagnosed with a condition, don't panic. Specialist cover for pre-existing medical conditions may still be available. While these policies can cost more, they may help reduce the financial impact of long-term treatment costs.
What does pet insurance actually cover?
Cover depends on the policy you choose, so it’s important to check the terms and exclusions carefully.
Common Inclusions:
Veterinary fees for accidents or illness
Prescription medications
Third-party liability cover
Death or euthanasia
Theft or straying
Advertising and reward costs
Emergency boarding fees
Overseas travel cover
General Exclusions:
Routine vaccinations, flea or worming treatments
Preventative care such as neutering or dental checks
Pregnancy or breeding costs
Some pre-existing conditions
Behavioural training costs
Certain hereditary breed conditions
Claims resulting from ignoring veterinary advice
How much does pet insurance cost in the UK?
There are many different factors that can determine how much your pet insurance policy costs. It depends on factors such as your pet’s breed, age and medical history, along with the level of cover selected. Different dog breeds can vary significantly when it comes to insurance costs.
How to find cheaper pet insurance policies:
You may be able to lower the cost of your pet insurance by:
Increase your excess
Choosing a higher voluntary excess (the amount you pay when you claim) will typically lower your monthly or annual premium.
Shop around
Compare via Mirror Switch and Save to benchmark prices.
Insure while young
Enrolling your pet while they are a puppy, kitten, or kit helps you lock in lower rates and ensures that health issues that develop later aren't excluded as "pre-existing conditions".
Pay annually
Many insurers charge interest for monthly installments; paying the full amount upfront can save you significant money over the year.
Multi-pet discounts
If you have more than one animal, look for providers that offer discounts for adding multiple pets to a single policy.
Maintain preventive care: Stay up to date with vaccinations, flea/worming treatments, and annual dental check-ups. Failing to do so can sometimes invalidate your cover or lead to preventable, expensive claims.
Maintain preventive care
If you have more than one animal, look for providers that offer discounts for adding multiple pets to a single policy.
Stay up to date with vaccinations, flea/worming treatments, and annual dental check-ups. Failing to do so can sometimes invalidate your cover or lead to preventable, expensive claims.
Spay or neuter your pet
Some insurers offer lower premiums for neutered or spayed pets because they are at lower risk for certain cancers and roaming-related accidents.
Use cashback sites
After finding the best policy, check cashback sites to see if you can get a cash incentive for signing up through their link.
Choose the right level of cover
If your budget is tight, consider a "Maximum Benefit" or "Accident-Only" policy instead of "Lifetime" cover, as these generally have lower premiums—though they offer less comprehensive protection.
What you’ll need for a quote:
Your pet’s species, breed and age
Sex and vaccination history
Medical background and previous claims
Current health status
Your personal details and address
The level of cover you want
What's the process for making a pet insurance claim?
The process is fairly straightforward. Following a claimable incident you can use the insurer’s claim form. Simply complete and submit this with all the necessary documentation and receipts. It will then be processed by your insurer who will determine the outcome. When your claim is approved you will be reimbursed per the terms and conditions of your policy.
Quotes provided by Quotezone
FAQs
How much is pet insurance per month?
Monthly costs vary depending on your pet, the level of cover selected and any pre-existing conditions. Comparing personalised quotes is the best way to find accurate pricing.
What is a good annual limit for pet insurance?
This depends on your pet’s needs and how much you want to pay. Lifetime policies may offer £10,000 or more per year, while basic cover can start from around £2,000 annually.
Is pet insurance worth it?
For many owners, pet insurance can provide reassurance and financial protection against unexpected vet bills, surgeries and long-term treatment costs. It also provides a sense of security should anything go wrong.
Are vet visits covered under pet insurance?
Routine check-ups are not usually covered, but most policies will cover emergency and unexpected vet treatment. It is worth reading the small print before you sign up for any policy to work out how well covered you'll be.
What is lifetime pet insurance?
Lifetime cover is typically the most comprehensive type of pet insurance. It can help cover ongoing illnesses and injuries throughout your pet’s life, provided the policy is renewed each year.
Does pet insurance cover dental treatment?
Some policies cover dental treatment caused by accidents or injuries. More comprehensive policies may also include dental illnesses, though this can vary by provider.
Is insuring an old dog worth it?
Insurance for older dogs can still be valuable, especially for covering age-related conditions and ongoing treatment costs. Specialist policies may be available for senior pets.
