Pet Insurance Comparison

Pets4Homes have searched through the best pet insurance companies online , to save you valuable time, so you can find and compare pet insurance quotes all in one place, to give you the best cover and cheapest pet insurance quotes on the internet.

Pets4Homes advises everyone with pets to consider taking out Pet Insurance as part of being a responsible pet owner. Many pet owners do not realise how expensive veterinary treatments can be and do not plan ahead financially. If your cats, dogs or other pets becomes ill unexpectedly or are involved in an accident, treatment can be a big drain on your savings. Up to 1 in 2 pets will need veterinary treatment this year and vet fees are increasing every year. The average UK vet bill is now over £300 with some more complex treatments such as hip dysplasia costing more than £4,000. Ongoing conditions could cost as much as £10,000. Could you easily afford these prices? If not, we advise you to take out dog insurance or cat insurance to protect your pet for a low monthly payment so you and your pets can be covered if the worst happens.

Pet Insurance Comparison Table



Company Pet Age Limit (?) Max Vet Fees (?) Vet Fees Excess (?) Description Rating / Quote




None £7500 £85 / £120
Healthy Pets Insurance
Specialist and Independent UK Pet Insurer, cover from £3.99 pcm. Up to £7500 per condition available, ongoing conditions covered and vets paid direct, 3 levels of cover available and a choice of excess.
5 Stars

None £7,000 £65
Argos Pet Insurance
Argos offers cover for cats and dogs from just 2 months old with no maximum age limit to cover vet’s fees. Our improved Silver, Gold and Platinum policies let you choose cover to suit you and your pocket. Vet’s fees from £2,500 to £7,000 can be covered – our best ever Platinum cover protects your pet for ongoing conditions up to a limit of £7,000.
5 Stars

11 years £6,000 £80
Direct Line Insurance
15% discount if you insure more than 1 pet online (If you are entitled to more than one discount, each will be deducted consecutively from your premium). They cover your pet per condition so there's no restriction on the number of times you can claim. They can pay the vets direct.
5 Stars

None £3,000 £65 Dogs
£55 Cats
Churchill Insurance
Includes cover for vet fees, cover for lost or stolen pets, cover for emergency kennel or cattery fees and Monthly instalments at no additional charge.
4 Stars

None £5,000 £75
Debenhams Insurance
Debenhams Insurance cover starts from as little as £4.40 a month for cats, £6.28 for dogs and there are 3 levels of cover to choose from. Benefits include Cover for vet fees up to £5,000; Up to £750 towards advertising and reward costs should your pet go missing; Bereavement Counselling, should the worst happen; Pet Minder, where they will find you a registered pet minder to care for your pet while you're away from home.
3 Stars

10 Years £6,000 £60
Pet Protect Insurance
All Policies provided are Lifelong. No time limits on treatments. They will keep paying for diagnosed conditions. They pay claims promptly and efficiently.
3 Stars

Further Pet Insurance Information

As well as just comparing the price of Pet Insurance for your pets and opting for the cheapest, its a good idea to also compare the level of cover you will be receiving and all the other details for each insurance company. We have described the main things which you should check when insuring your pets below.



Vet Fees

Vet Fees are the main reason every pet owner purchases cat or dog insurance. It can be very expensive to visit the vets if your pet needs treatment, but with a pet insurance policy, your vet fees (minus your excess) are paid by your insurance policy. Some insurance companies will pay the Vets directly, whilst over companies will require you to pay the vets upfront and then claim the money back using your policy. This also depends on the Vets you are using, as some vets require the money upfront whilst others will accept payment directly from the insurance company. You will need to check this with both your insurance company and your vets beforehand.

All insurance policies will also have a maximum limit to the amount they will pay out in vet fees each year and also the amount they will pay out per condition. For example your insurance policy may have a maximum of £6000 vet fees per year, but also have a maximum of £2000 per condition.



Pet Insurance Excess Fees

All insurance policies will include an excess fee on your policy, usually of around £50 or even more. Lets say your policy has an excess of £50, this means if you take your pet to the vets and the cost is £150, you will have to pay the first £50 whilst the insurance company will pay the rest (£100). Obviously the lower the excess, the better it is for yourself.



Lifetime Cover or Cover for Life

Lifetime cover insurance policies are often much more expensive than standard cover (for 12 months). They are designed for pet owners who are concerned about theirs pets developing a long term illness like eczema or arthiritis for example. As long as you continue to renew your insurance policiy each year, your pets illness will be covered each year, right until they reach old age. With a standard insurance policy, if your pet develops a long term illness, it would be covered for the first year, but then when you renew your policy, the illness would be treated as an existing illness and may not be covered by your policy.



Pet Age Limit

A few pet insurance companies have a maximum age limit for pets that they will insure. For example some companies may not provide cat insurance for a cat or dog insurance for a dog aged over 10 years old.



Additional Benefits

Many pet insurance companies also offer many other benefits which may be very useful for you and are worth looking at in more detail. Some companies offer money for advertising and reward costs should your pet go missing, whilst others provide money towards kennel or cattery fees should you need to go in hospital.



Further Reading

Please read the following pet insurance related articles from our pet advice section, which give you more information on how pet insurance works and how to get the best deal.


1) Pet Insurance - Myths and the Facts
2) Is self-insurance a viable alternative for pet owners?
3) All about lifetime pet insurance
4) Rabbit Insurance - Do I need to insure my rabbit?
5) How To Get The Best Pet Insurance Deal
6) Choosing the Right Horse Insurance
7) Pet Insurance - Making It Work For You!
8) Pet insurance for older pets
9) Pet Insurance – A Modern Phenomenon
10) Pet insurance - Ten do’s and don’ts to consider when protecting your pet


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