Best Pet Insurance Companies for Dogs and Cats In UK

Owning a pet is a delightful experience that brings joy and companionship to countless individuals and families across the United Kingdom. However, along with the love and happiness that pets provide, it’s important to consider their healthcare needs. Just like humans, dogs and cats can fall ill or face unexpected accidents, leading to costly veterinary bills. That’s where pet insurance comes in.

Pet insurance provides financial protection and peace of mind by covering a portion of the expenses incurred for veterinary care. It ensures that your furry friends receive the necessary medical attention without the added strain on your finances. However, with numerous pet insurance providers available, it can be challenging to determine which ones offer the best coverage for your beloved pets.

In this article, we will explore some of the best pet insurance companies for dogs and cats in the UK. These companies have been selected based on factors such as coverage options, customer satisfaction, affordability, and overall reputation. By considering these top pet insurance providers, you can make an informed decision and find the most suitable coverage for your furry companions.

The 10 Best Pet Insurance Providers In The UK For Dog And Cats

Petsure – Best Overall


Compare Petsure Plans

Petsure is an insurance company that aims to fight for fair insurance for pets, regardless of their age or pre-existing health conditions. They also have great customer service and will take the time to answer your questions and help you through the process of choosing the best plan for your pet.

Petsure offers cover to cats and dogs from the age of 4 weeks and has no upper age limits, unlike many other pet insurances. They also offer cover for pets with pre-existing medical conditions at a higher price. They also offer multi-pet insurance.

They offer tailored cover, which allows you to pick your own limits, excess, and optional extras to suit your pet’s needs. They also allow you to pay your vet directly and don’t have compulsory excess.

They go beyond the typical insurance company and offer unlimited access to video consultations with FirstVet, regardless of the time or day. Of course, no company is perfect, and Petsure could work on improving its attention to detail as a few customers have complained of having to resubmit claims and paperwork. However, with the fairness they strive for, their affordable prices, and tailored cover, we’ve listed Petsure as our best overall pet insurance in the UK for 2023.

  • No compulsory excess
  • Tailored cover
  • Multi-pet cover
  • Offer cover for pets with pre-existing conditions
  • Helpful customer service
  • No upper age limits
  • They could pay better attention to detail

2.Agria Pet Insurance – Best Value

Agria Pet Insurance

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Agria Pet Insurance is excellent insurance for those on a budget. They have several lifetime cover options, allowing you to choose the one that fits your budget. Their Lifetime pet insurance covers vet fees up to £12,500, and they are recognized for paying out 97% of their claims.

One thing we particularly like about Agria Pet Insurance is that they have a team full of pet lovers, with the majority of their staff holding an animal-related qualification. This company won the Moneyfacts Consumer Award in 2018, and it was rated as being the most trusted pet insurance provider by the Spring 2021 Fairer Finance Customer Experience Ratings. Unfortunately, Agria doesn’t typically sell new policies to older pets.

  • Affordable options
  • 97% of claims paid
  • Their team are animal lovers with animal-related qualifications
  • They’re recognized and have been rated the “most trustworthy pet insurance provider”
  • They don’t offer new policies for older pets

3.PetPlan – Best Premium Choice


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PetPlan Pet Insurance is a well-loved and popular pet insurance company, coming in as the UK’s top pet insurer. They insure a larger range of pets, including dogs, cats, rabbits, and horses. They also cover exotic animals, which is rare among pet insurance companies.

In 2019, PetPlan paid out £338 million in claims, with the majority of the claims being paid out within 5 working days. They also don’t charge for claiming and can pay your vet directly. This insurance company is a step ahead of most of its competitors and has given around £38 million to animal charities. They are in partnership with many veterinary practices and are highly recommended by many customers.

Although a bit more expensive than other options, PetPlan offers more coverage, making it worth your buck.

  • Highly recommended by customers
  • UK’s top pet insurer
  • Covers a large range of pets
  • Good coverage
  • Claims are paid quickly
  • They’re quite expensive

4.Tesco Bank

Tesco Bank

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Many pet insurance companies don’t offer new policies to older pets, but Tesco Bank does, and they charge only a little extra to cover your older pet’s needs. They also offer four levels of cover, allowing you to choose the one that works for you. And they don’t charge a cancellation fee, which many other pet insurance companies do.

Unfortunately, they’re quite strict with the kind of pets they cover and won’t offer cover to pets younger than 8 weeks, pets with pre-existing injuries and illnesses, as well as certain pet breeds. However, they do offer discounts for Clubcard members, and you’re allowed to phone or video call a vet if you have any worries about your pet.

You will have to pay excesses and may end up paying higher fees once your pet turns 8 years old.

  • Discount for Clubcard members
  • Excellent for older pets
  • Four levels of cover available
  • No cancellation fees
  • 24/7 access to phone or video call with an expert


  • You have to pay excesses
  • Fees may increase once your pet turns 8 years old



Compare ManyPets Plans

Previously named BoughtByMany is ManyPets. They’re a pet insurance company for cats and dogs. They cover vet fees for dogs up to £15,000, while cat owners are offered policies that range from £3,000 to £15,000 vet fee coverage. If you have both or a multi-pet household, you’ll receive a 15% discount for the pets that you place on the same policy.

Instead of avoiding pre-existing conditions completely, ManyPets promises to cover conditions that ended longer than 2 years from the start of your policy. They’re also happy for you to pay monthly and don’t charge fees for cancellation or changes to your pet’s policy.

  • £15,000 vet fee cover
  • They offer a range of policies for cat owners
  • Multiple pets placed on the same policy will receive a discount
  • The cover conditions that ended 2 or more years prior to the start of the policy
  • They only cover cats and dogs



Compare VetsMediCover Plans

Another affordable pet insurance company is VetsMediCover, which offers a range of cover options listed as Silver, Gold, Platinum, and Diamond. Annual cover for vet fees on the Silver option is £2,000, while they’re happy to cover £10,000 worth of vet fees on the Diamond option—at a higher price, of course.

You’re given access to an online vet, regardless of your policy option, who will offer help, suggest treatment, and even give you a referral to your vet if needed. They don’t cover older pets, but they do offer cover for pre-existing conditions if no symptoms or treatment for it have been present within 24 months. They’re happy with monthly installments and won’t charge extra for it. They offer 12-month and lifetime contract options.

  • Affordable
  • Different options are available
  • Cover of up to £10,000 per annum
  • 24/7 online vet access who will offer help, treatment, and local vet referrals
  • They do cover pre-existing conditions, but only on higher options
  • They’re happy with monthly installments
  • They don’t cover older pets

7.Direct Line

Direct Line

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If you’ve got a multi-pet household, you may want to look into Direct Line. This pet insurance offers a 12.5% discount to customers with multiple pets on their policy. They also offer home, business, and car insurance, so you’re able to manage all your policies under one umbrella company, which makes things a bit easier.

There is an Essential cover option as well as an Advanced cover option, allowing you to sign up with the right one for your pet’s needs. The basic policy starts at an affordable price of under £7, and they offer cover for up to £4,000. They offer payments directly to the vet, you’re able to submit claims 24/7, and you’ll have access to an online vet via PawSquad.

When you purchase through their partner, Pet Drugs Online store, they will cover prescription fees up to £15, and you’ll have access to discounted pet food, toys, and medication.

  • Cheap
  • 12.5% multi-pet discount
  • They offer more than just pet insurance
  • Two cover options available
  • Direct payment to vets
  • You benefit when purchasing from Pet Drugs Online
  • Low coverage

8.More Than Pet Insurance

More Than Pet Insurance

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If you’re looking for accident-only pet insurance, take a look at More Than Pet Insurance. An accident-only option is the cheapest, and many other pet insurance companies don’t offer it. If you’re looking for more security, you can choose from their higher options, which are Basic, Classic, and Premier.

A great benefit is that they also offer pets abroad cover, which is included in most of the cover options. If an emergency happens while your pet is away on holiday with you, the vet fees will be covered in certain European countries. As with almost all of the other options, you’ll receive 24/7 vet access via “vetfone”. They offer euthanasia cover and policies for older pets, but those policies come with a higher excess. They also offer a discount on the multi-pet plan.

  • Accident-only cover option available
  • Multi-pet plan discount
  • Cover for most European countries with the Pets aboard included option
  • Various cover options
  • 24/7 vet access via vetfone
  • Euthanasia is covered
  • You’ll have to pay a higher excess for pets older than 9 years
  • Dental care is only covered on the highest cover option



Compare Waggel Plans

If you’re on the hunt for good pet insurance for your young pet, Waggel may be the company for you. They offer cover for pets as young as 8 weeks old and cover vet fees of up to £10,000 per year, including reoccurring medical and dental conditions.

Waggel provides 24/7 vet access via video consultation as well as free consultations with a dog nutrition and behavior specialist. They’re also big on perks and rewards, which are always welcomed. Their website is unique and fun, with a personal dashboard that allows you to track your claims once you’ve uploaded them. They respond quickly and provide instant quotes.

However, Waggel only offers one lifetime policy which isn’t suited for older animals or pets with pre-existing conditions.

  • Unique website and approach
  • 24/7 vet video access
  • Free consultations with dog nutrition and behavior specialist
  • Offer perks and rewards
  • You’re able to track your claims
  • Doesn’t cover pre-existing conditions and is not suited for older pets



Compare EveryPaw Plans

Everypaw offers cover for dogs, cats, and rabbits. You’re able to manage everything through their online Pet Portal, rounding up everything to do with your policy into one place to avoid paperwork and emails that can get lost in the process. They offer 24/7 access to a vet team with Petcall, and they offer a discount if you insure multiple pets.

Their lifetime pet cover offers a range of levels that cover your pet’s vet fees to a certain limit, which resets every year. 98% of claims that have been made to them have been paid out. Both therapy and dental are covered by this insurance, but they don’t cover pre-existing conditions.

  • Therapy and dental are covered
  • They offer 24/7 vet access via Petcall
  • Everything can be done through their Pet Portal
  • You get a discount if you insure multiple pets
  • Doesn’t cover pre-existing conditions

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In conclusion, my blog aims to provide valuable and informative content about pet insurance for dogs and cats in the UK. The information provided is designed to help pet owners make informed decisions when choosing the best insurance coverage for their furry companions. By considering factors such as coverage options, customer satisfaction, affordability, and overall reputation, readers can find the most suitable insurance company for their pets’ needs. With the right pet insurance in place, pet owners can ensure that their beloved dogs and cats receive the necessary veterinary care without the added financial burden. Thank you for reading, and I hope you found the information in this blog helpful.

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