Our professional analysis assesses the best and worst pet insurance policies – and tells you which pet insurance providers provide the greatest customer service.

How can I locate the best pet insurance?

With a vast variety of pet insurance products on the market that pay out in different ways, getting the proper cover for your four-legged buddy can be tricky.

We’ve researched over a hundred insurance for cats and dogs to determine our Best Buy policies.

We’ve also questioned pet insurance customers – including those who’ve filed a claim – to compare pet insurance providers.

What are the best pet insurance policies?

We’ve researched over 80 cat insurance policies and 90 dog insurance policies to help you get the best cover.

The policies in the tables below are our Best Buys. These are lifetime policies that offer high levels of cover and meet our minimum cover criterion.

We’ve not been able to grade all of the insurers for their levels of service, but we’ve presented the scores of those we were able to test.

Best Buy cat cover

Insurance for cats at the best possible price from Best Buy Policy Score Customer Score Claims Score
Bought By Many Complete 84% 76% 85%
Petplan Covered for Life – Ultimate 80% 67% 80%
Agria Lifetime 79%
Agria Home Cat Lifetime 75%
EverypawLifetime (£10k) 74%
EverypawLifetime (£10k) 71%
Waggel Lifetime (£10k) 70%
Petplan Covered for Life – Classic 69% 67% 80%
M&S Premier 68%
Waggel Lifetime (£8k) 68%
Argos Lifetime (£7k) 65%
AgriaLifetime 64%

The data in these tables was most recently updated in November of 2021. Before making a purchase, it is highly recommended that you review the policies.

Who are the finest firms offering insurance for pets?

The table that follows identifies which of the nine companies offering pet insurance had the highest percentage of satisfied clients, as well as which had the lowest percentage, and also provides a score for each company based on seven distinct areas of their service.

You can also check how pet insurers fared when it came to claims, and if you click on the name of an insurer, you’ll be taken to our comprehensive analysis of that particular insurer.

What exactly is covered by pet insurance?

There is no guarantee that your policy will contain all of these different forms of coverage, and some policies may impose limits or exclusions.

Cause of death being either an accident or illness

In the unfortunate event that your pet passes away, you may be able to recoup some or all of the money you spent on it by selling it.

After a certain age, which is normally between seven and ten years for a cat and between seven and eight years for a dog, most pet insurance policies include an age restriction after which the insurers will not pay out or you will be required to make a contribution to the costs.

Cover for animals not present

In the event that your pet goes missing, the majority of insurance companies will reimburse you for the expense of putting up posters and paying a reward.

Liability owed to a third party (dog only policies)

If you own a dog, the liability coverage of your pet insurance policy should compensate the injured party or the owner of the damaged property if your dog causes them harm.

This accounts for the claimant’s expenses as well as legal charges and expenses. Due to the fact that cats are regarded as “free spirits” under the law, they are not required to get any kind of insurance.

coverage for international travel

The majority of insurance policies for pets will give coverage in the event that your pet becomes unwell, gets involved in an accident, or requires veterinarian treatment when travelling outside of the country.

Cattery and kennel fees

If you become ill and are unable to find someone else to care for your pet while you are hospitalised, the insurance company that you have for your animal will pay to have it boarded at a kennel or a cattery. In most cases, you will need to check into the hospital and remain there for at least two to four days in a row.

Dental cover

The majority of insurance companies for pets will provide coverage if your pet need dental work. Certain policies will only pay for medical care required because of either injuries or diseases. Nevertheless, there are some that do not cover illness.

It is quite unlikely that insurance policies will pay for basic medical procedures or the costs associated with pregnancy and childbirth.

What other kinds of pet insurance are available to choose from?

In the same way that auto insurance can be broken down into comprehensive and third-party cover, there are several distinct categories of pet insurance coverage, including the following:

Lifetime cover pet insurance

Coverage that lasts a lifetime is the most comprehensive type of pet insurance available; it reimburses you for any ongoing medical problems that your pet may have during the course of its life.

There are three primary categories of lifetime coverage, which are as follows:

The maximum amount that will be paid out for any one condition that your pet may suffer from during the policy period is reduced to zero every year.
There is a maximum restriction that applies per condition per year for some conditions that your pet may have, and this limit is refreshed every year.
Per-condition lifetime insurance (maximum overall annual limit) these policies contain yearly individual condition limits as well as a maximum overall annual limit across all conditions, which can be up to £4,000 per condition and £12,000 per year across all conditions combined together.

Both yearly pet insurance policies and policies that cover one ailment each year cover chronic illnesses for your pet every year, unless you stop your coverage.

Insurance for your pet that does not cover death

Coverage that is not lifetime excludes some conditions once the claim limit has been reached, and it is less comprehensive overall.

There are two primary categories of insurance that do not cover a lifetime:

Coverage that is provided on a per-condition basis only pays out a maximum amount for each condition, and once that maximum amount has been paid out, the condition is no longer eligible for further payouts.
Before a condition can be removed from coverage under a pet insurance policy, there is normally a time limit of 12 months as well as a limit on the number of claims that can be submitted for that ailment.

In the case of a policy with a time restriction, the condition in question would be excluded after a period of 12 months even if the maximum for that particular condition had not been achieved.

insurance for pets that only covers accidents

Accident-only pet insurance will pay a predetermined amount of money for any unintentional damage that your pet sustains, which will assist you in paying for their medical care. This sort of pet insurance policy is the most affordable option; however, it does not provide any coverage for disease.