Dog Insurance – The UK’s most trusted pet insurance (2024)

FAQs

Is pet insurance worth it for a dog UK? ›

It's not a legal requirement in the UK to have pet insurance. However, whether or not you need pet insurance comes down to what you can afford. When a pet is suddenly affected by a health problem, it's sometimes necessary to act fast to prevent the condition from getting worse.

Petplan is the UK's No 1 pet insurer. They offer 3 levels of Covered for Life policy with varying Vet Fee limits and an Essential 12 month policy. They pay 97% of all claims and 90% of claims are paid within 5 working days. Petplan work closly with the veterinary profession and can pay your vet direct.

For over 45 years, Petplan has helped millions of pets through illness and injury. Today, we're still the UK's favourite pet insurer, insuring over 1.3 million pets. If you are seeking pet insurance from the specialists, then look no further.

We pride ourselves on our breadth of cover, paying 97% of all the claims we receive and this is why thousands of vets partner with us. We can also pay vets directly.

FAQs. How much is pet insurance UK? Dog insurance costs from around £10 a month (£125 a year) for accident and illness cover; prices go up from there for premium plans, higher vet limits, older pets and certain breeds such as bulldogs. Cat insurance costs also start from around £10 a month (£125 a year).

According to the Association of British Insurers the average pet insurance claim in 2021 was £848. Vet fees are not standardised in the UK, and can vary from practice to practice with factors such as location, your pet's age and the severity of the condition all having an influence on the cost.

Premiums increase every year as pets get older and the cost of treating pets increases over time. We pay 97% of all the claims we receive so need to make sure that the cost of policies allows us to meet the cost of claims.

Is Petplan now Fetch Pet Insurance? We recently changed our name to Fetch Pet Insurance, but there has been no change at all to our pet insurance. We still provide the most comprehensive coverage there is — the name and logo are the only things that are different.

Breeds of dog that are banned under UK law will almost always be uninsurable. Petplan's policy is that we do not cover dogs that need to be registered under the Dangerous Dogs Act, or pets used for security, guarding, track racing or coursing.

Trupanion's pricing is likely higher than average because all plans include unlimited coverage and a 90% reimbursem*nt rate. Your plan cost will vary depending on where you live and your pet's breed, age and species. Premiums may also increase incrementally each year as your pet ages.

Why is the vet so expensive UK? ›

Simply put, there is no NHS for pets and no government support for veterinary practices as there is in the field of human medicine in the UK. In fact, our fees include VAT at 20% so a big chunk of your bill is tax to the government.

There are two ways that your Petplan insurance can pay out – with direct vet payments or a payment to reimburse you for a bill. It's not as complicated as it sounds.

Depending on your pet's needs, your veterinarian might recommend a CT scan or x-ray instead of an MRI. Like MRIs, pet insurance typically covers both of those procedures. Pet insurance typically covers the cost as long as the scans do not relate to a pre-existing condition.

With Petplan dog and cat insurance, you're covered for vet bills and any diagnostic tests your vet recommends, as long as the allergy isn't excluded on your policy – you will find any exclusions listed on your Certificate of Insurance. Terms and conditions apply.

Average Pet Insurance Cost

According to our research, pet insurance costs $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month. To determine pricing, our team secret-shopped with 21 national pet insurance providers and gathered over 17,330 quotes in all 50 U.S. states.

Ultimately, pet insurance can be helpful for many situations, especially if you want to reduce the stress and difficult decisions that can stem from unexpected vet bills. In general, you want to shop for pet insurance sooner than later so that it's more cost-effective, but even older pets can be insured.

When is it worth making a claim on my pet insurance? Usually, you should make your claim right away. Sometimes when it is a small claim and after your excess amount there isn't much more to pay, some people opt to paying that bill themselves without making a claim.

More than 2 in 5 pet owners (42%) with pet insurance say they have it because their pets often need care covered by their policy, according to the survey. If you anticipate ongoing covered expenses, the monthly premium of insurance coverage can help smooth your costs.