Pet Insurance

Compare pet insurance with Insurance Doctors

We can compare quotes for dog insurance, cat insurance and rabbit insurance policies with various levels of cover for your animal. Whether your pet is a pedigree or cross-breed we could compare quotes from our panel of pet insurance providers to help find you a great deal. Pet insurance may cover you if your pet dies, if it gets injured or stolen, attacks someone or causes an accident.

Getting a quote is simple. Just fill in a few details on our short online form about yourself and your pet and within minutes we can provide multiple quotes for you to compare. Having pet insurance can provide comfort that, should your pet require medical attention, the vet bills will not leave you with additional financial stress at an already stressful time.

When the quotes are returned, as well as displaying the price, we will clearly show what is included in the policy including vet fees, if multi-pet cover is available and if lifetime ongoing condition is provided. Not all pet insurance policies are the same so make sure you pick the one that is right for your pet and remember to check what is included in the policy.

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Pet Insurance Guide

Pet owners may a lot of responsibility, and part of this is ensuring that their pets get the medical care they need when they’re hurt or ill. Pet insurance could be the best way of making sure pets get essential medical care when they need it, and it may give owners the peace of mind that comes with knowing their furry friends are taken care of.

Basic Components of Pet Insurance

While the various kinds of policies differ in terms of how much they pay out, and premium costs, most share some basic features.

In each case a monthly or annual premium is paid for coverage, and in the event of a covered condition happening, the policy could cover the insured pet’s veterinarian bills. For most policies there’s typically an excess that must be paid before the insurance will pay out. Pet owners could reduce the size of the excess by paying a higher premium. Depending on the kind of policy involved, the excess might be applied on an annual basis, a per-condition basis, or both.

In addition, all policies may exclude certain kinds of conditions. For example, pre-existing conditions, preventative treatments such as spaying and vaccination, and issues relating to pregnancy or birth are generally excluded. Note that most providers won’t insure a pet with a pre-existing condition, and insuring a pet with a pre-existing condition could mean high premiums.

All policies usually provide third-party liability coverage, which tend to cover any damage or injury incurred if an insured dog causes an accident.

Most policies, regardless of the specific kind, could also provide coverage for other events, such as advertising costs if a pet is lost or stolen, boarding fees, travel insurance, and death benefits.

Types of Coverage

  • Accident-only: As the name suggests, this kind of coverage typically provides for medical expenses when a pet is injured in an accident. However, it doesn’t generally provide any kind of coverage when a pet needs medical attention for an illness. Some of these accident-only policies limit the total amount they’ll pay out for a single accident, or could only pay out for a limited period of time after a pet is injured.
  • Per-condition: These policies tend to limit the total amount they’ll pay out for a single condition. Depending on the policy the limit may be a certain amount of money, or the policy might cover expenses for 12 months after diagnosis. Once the time or amount limit is reached, the policy usually no longer covers any expenses relating to that particular condition.

This could be a good option for cheap UK pet insurance that provides a basic level of coverage, but cheaper policies could have lower per-condition limits.

Lifetime coverage: This may be the most comprehensive and the most expensive kind of pet insurance. These policies typically come with a higher annual maximum, but the policy has to be renewed every year. And as with other kinds of health insurance, the provider may decline to renew based on certain circumstances. These policies are also called annual benefit policies, because they have a per-condition limit that is renewed annually along with the policy.

Coverage for Large or Exotic Animals

All pet insurance providers tend to cover dogs and cats, but it could be harder to locate insurers that cover other kinds of pets. For the most part, pet owners may need to look for specialist insurance providers to get insurance for small animals such as rabbits, birds, and guinea pigs, as well as large animals such as horses, and more exotic pets such as tortoises, snakes, and lizards.

Minimising Premium Costs

Pet insurance could get expensive, so it’s a good idea to thoroughly research insurance options and compare pet insurance policies online before making any commitments. Making this kind of comparison could help pet owners get better deals, and make sure they don’t miss out on essential coverage.

This could be particularly important for pedigree dogs, due to the increased risk of specific health problems for many breeds. Without the right level of coverage, vet bills might mount up very quickly, so it could be crucial to look at different policies and compare lifetime policies and per-condition policies closely. For pedigree dogs the best solution might often be a per-condition plan with a high limit, but this isn’t always the case.

Whatever kind of insurance a pet owner buys, getting the pet insured when it’s young might be the best way to keep costs down, as premiums could be much lower when the pet is young and healthy. Insurance costs may also be lower if a pet is spayed or neutered, as this tends to prevent pets straying far from home. The same could be true if a pet has a microchip implant, which might make it easier for lost pets to be reunited with their owners.


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