Our one-of-a-kind reviews of dog insurance policies rank the quality of various types of dog insurance policies, thereby assisting you in locating the coverage you require.

What exactly does “dog insurance” mean?

If your pet becomes ill or injured, having dog insurance will help you pay for the expensive veterinary care that your dog may require.

Some insurance will also compensate you financially if your dog is stolen, misplaced, or if it must be boarded at a kennel because you are hospitalised.

We have analysed many dog insurance policies in order to provide you with a convenient shortcut for selecting the most affordable plan for your canine companion.

Check out Whichevaluations ?’s of dog harnesses and dog foods for additional information on how to select the finest goods for your canine companion.

Different kinds of insurance for dogs

There are three primary categories of insurance policies available for dogs:

Lifetime cover dog 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 two primary categories: yearly lifetime cover, and cover that is calculated on a per-condition, per-year basis.

Annual lifetime coverage has a maximum overall limit that takes into account any and all conditions that your pet may suffer from. This limit is adjusted every year. In addition to this, several insurance have lower yearly restrictions within this framework for certain scenarios.

The lifetime cover has a maximum limit for specific ailments that your pet may have, and that restriction resets every year. This limit is called “per condition per year.”

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.

Non-lifetime cover pet insurance

Coverage that isn’t lifetime isn’t as all-encompassing and won’t reimburse you for previously-diagnosed ailments once you’ve reached the policy’s claims maximum.

There are two primary varieties: per-condition coverage and time-limit coverage for each condition.

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.

bounded in time by each condition Before a condition can be excluded from coverage under pet insurance, there is normally a time limit and a limit per condition. The time period is one year.

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. It’s the least expensive kind of pet insurance policy, but it doesn’t cover anything related to illness at all.

Read our guide on pet insurance explained to learn more about the things that are covered by pet insurance and the things that are likely to be excluded from coverage.

Where can I get the finest insurance packages for my dog?

Because there is such a wide variety of options available for dog insurance policies, it can be difficult to determine which one is best for your canine companion.

Each table corresponds to a certain category of dog health insurance (see explanations above).

The level of protection provided by a policy is rated by its policy score, which is expressed as a numerical value. Policies are ranked based on this score.

Check out our rundown of the companies that provide the best and worst pet insurance for additional details on how we arrived at this number.

How can I reduce the cost of my dog’s insurance?

The following is a guide that will show you how to prevent your four-legged companion from emptying your wallet:

1. Learn about the requirements of the breed of your dog.

The Association of British Insurers estimates that the average amount paid out for a pet insurance claim in the year 2020 was £817. We do not advocate purchasing insurance policies that have yearly payouts of less than £2,000 because it is possible that you will need to file more than one claim in the future.

However, because each pet is unique, it is important to understand the requirements of your canine companion in order to ensure that you get enough coverage.

Dogs, in general, have higher upkeep and insurance costs than cats, and particular dog breeds are more prone to developing chronic diseases than others. Cats, on the other hand, are easier to keep healthy. For instance, Labrador retrievers can be predisposed to issues with their cruciate ligaments, while dachshunds can be predisposed to issues with their backs. Treatment for either of these conditions can cost several thousand pounds.

Have a conversation with your veterinarian about the common ailments that affect animals and the degree of coverage they recommend.

2. Invest in insurance coverage while your dog is in good health.

Because the majority of policies do not cover pre-existing conditions, purchasing insurance for your pet early ensures that they will receive the highest possible level of protection. This may sound paradoxical.

3. Check to see that your dog’s vaccinations are up to date.

It is important to ensure that your dog receives all of the necessary vaccinations, including boosters, in order to reduce the likelihood that it will contract an illness that will result in a higher insurance cost.

4. Make payments on an annual basis (if you can afford it)

When you pay on a monthly basis, it is common practise to also pay interest on the balance, which might result in a price that is quite high.

5. Haggle at renewal

Seek the counsel of a veterinarian and file a complaint with the insurance company if they raise the premiums for your dog’s coverage without a valid basis (for example, by asserting that a regular treatment was a sign of an underlying condition).