PetsInsured.co.uk – Compare Pet Insurance Quotes
Compare quotes, pedigree dog insurance, cross breed insurance and puppy insurance
QuoteZone
We’ve partnered with QuoteZone – Compare up to 25 dog insurance providers including: 4Paws, Animal Friends, ADSA Pet, Coop, Every Paw, PDSA, Perfect Pet, Pet Sure and others.
Cover from as little as *£3.35 per month!
All dog insurance quotes are FREE and there is no obligation to buy. All insurance providers are FCA compliant in the UK. *Price per month for cover based on a one year old dog, with no known medical conditions and up-to-date vaccinations
Dog insurance policies and types of cover
There are various types of pet dog insurance policy with different levels of cover to choose from. It’s important to choose sufficient cover for your pet based on your combined needs. Dog insurance premium costs vary and take into account dog age, dog breed, and whether there are known or pre-existing medical conditions.
Be aware of the policy excess, and limitations and exclusions to the cover. The 4 main types of policy / cover are:
Lifetime Pet Cover
Lifetime cover, provides the most comprehensive cover for your dog, protecting against illness and injury throughout their life.
Lifetime policies offer peace of mind should your dog develop ongoing or chronic illnesses.
A lifetime policy will continue to provide year on year, as long as the policy is renewed.
Time Limited Pet Cover
Annual, or time limited insurance typically covers your dog for illnesses & injuries for a period of one year. After which the policy can be renewed, however at renewal existing medical conditions may be excluded.
These policies do not provide the best cover for lengthy treatments, they will not cover chronic conditions requiring year on year treatment.
Accident Only Pet Cover
Accident only is usually the cheapest pet insurance option. Accident cover tends to only cover accidental injuries things like broken bones, cuts, poisoning are often covered.
Policies would not cover sickness, conditions or diseases (e.g. things like cancer & congenital illnesses).
Maximum Benefit Pet Cover
Provides cover for accidents, injury & diseases. Claims are subject to monetary value limits, rather than time limited cover.
With maximum benefit insurance, you can continue to claim for a condition until the claim exhausts the cover value limit. This may be sufficient for short term illness but not suitable for ongoing long-term issues and illness.
Things dog insurance should cover
The type of policy and cover will determine the cover provided. Always thoroughly check the policy documents, these should provide full details of the insurance cover provided as well as listing any exclusions or limitations.
The most common risks standard dog insurance policies will cover include:
- Vets bills for accidents & illnesses
- Theft or missing pet cover
- Overnight vet stays
- Third party liability
- Death & euthanasia
- Taking your dog on holiday
Things dog insurance does not usually cover
Different dog insurance policy’s provide different levels of cover. Exclusions depend on an individual policy, however as a general rule a basic dog insurance policy will not cover:
- Pre-existing conditions (any pre-known illnesses or diseases)
- Hereditary breed specific conditions
- Routine treatments vaccinations, flea & worm treatment
- Elected care and surgery (neutering, spaying, worming dental checks)
- Pregnancy health care
- Behavioural care or training
Choosing the right dog for your family
If you’re thinking of getting a family dog do your research, it’s essential to go for a manageable dog that fits with your family and lifestyle so bear in mind things like adult dog size and character of the breed.
Always buy from a registered breeder and don’t be afraid to ask for references, or to seek a vets opinion and advice if you have any concerns.
If you are thinking of re-homing a rescue dog make sure you are aware of any physiological & behavioural issues. The rescue centre will be able to provide advice about the suitability of a particular dog, remember not all animals are suitable for all families & homes.
4 Steps to healthy, fit dogs
As a dog owner you can take a few simple steps to ensure your dog remains healthy, fit and hopefully illness free.
Dog & Puppy Insurance
Get your dog or puppy insured. A good dog insurance policy provides peace of mind with cover for illness, injury & accidents.
Food & Diet
A quality food will ensure your puppy or dog gets the essential nutrients they need, whilst maintaining a healthy weight. Limit any treats you give to your dog.
Regular Exercise & Training
A daily walk, run, stimulating exercise and a good training regime can all contribute to your dogs health and happiness.
Vet & Dental Care
Regular vet visits ensure your puppy or dog is up to date with vaccines & boosters. Regular health & dental checks all contribute to all round good health.
Dog insurance FAQs
What does dog insurance cost?
Dog insurance costs vary depending on the type of policy, the levels of cover. They take into account specific details about your dog like its age, breed, general health and whether there are any known pre-existing conditions. You can get basic dog insurance cover from just *£3.35.
Comprehensive ‘Lifetime’ dog insurance policies are more expensive but you can usually tailor a policy to your needs.
What information is required for pet insurance quotes?
In order to get an accurate pet insurance quotes most pet insurance providers require some basic information.
It is important that you are honest about previous illnesses and treatments, failing to provide accurate information may invalidate your insurance cover.
Typical information you will need to provide includes:
- The age of your pet
- Its breed and size
- Its current health and any previous medical history
- Its behavioural history
- How much you paid for it, if you purchased rather than re-homed or adopted it.
Why should I compare dog insurance?
Our pets are extremely important to us. Vets fee’s can be unexpected and expensive, getting your dogs, cats and other pets insured provides peace of mind if they become ill or are injured in an accident you will be covered for costly vets bills.
Pet insurance policies vary greatly and the level/value of cover provided will affect the monthly premium you pay. Comparing a selection of pet insurance providers and different policies helps you find the best pet insurance for your pets, saving you time and money.
How to get cheaper dog insurance?
You can see if you are able to get cheaper dog insurance by comparing the market. You can also take these simple steps to cut the cost of dog insurance:
Shop around
Use a comparison provider to quickly find and compare the best insurance deals.
Take multi-pet cover
If you have more than one dog and other pets like cats you can add them on a multi-pet policy. This is usually cheaper than taking individual insurance out for each pet.
Adjust your voluntary excess
Increase your excess, by electing to pay a higher excess per claim you can lower the monthly or annual premium.
Pay the full premium upfront
Pay your premium in advance annually, rather than monthly. You can usually get a reasonable discount if you are able to pay all in one go.
Neuter your pets
Get your pets neutered. Spaying or neutering your pets reduces the risk that they will develop diseases or illnesses. This will decrease the insurance risk associated with your pets and help lower premiums.
Disclaimer – PetsInsured.co.uk is not a broker or insurance provider. All individual quotes are obtained directly from our pet insurance comparison partner QuoteZone (a brand of SEOPA). All pet insurers are FCA registered and compliant. Pets Insured does not recommend any individual insurance providers, and we do not endorse any pet insurance cover.