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Cat and dog insurance policies reviewed We compare and rate dog and cat policies from UK pet insurers to pick the best policies on the market. The tables below are ordered by policy score and show:
Lifetime cover: Policies that meet our minimum criteria of 3,000 vet fee cover for cats and 4,000 for dogs. We have also included 'per condition' policies These offer more limited cover. Max age: Unless otherwise noted, the policy has no upper age limit for a new pet. Annual premium: Based on a five-year-old non-pedigree cat in a low risk area; for dogs based on a five-year-old non-pedigree dog and five-year-old Labrador, both living in a low risk area. Note for London pet owners: premiums may be as much as double the amount shown. Policy score: 60% of weighting is made up of vet fee cover, 40% is a combination of these policy features: cover for euthanasia, cremation/burial, third party liability (dogs only), dental cover, cattery/kennel fees and cover abroad. Cat policies Vet fee cover 5,000 5,000 6,000 3,000 6,000 4,000 7,000 7,000 10,000 8,000 12,000 7,000
d
Provider ComputerquoteUltimate Lifea Vetsure Premier Plusb Hastings DirectPremier Life ComputerquoteClassic Lifea The Green InsuranceUltimate Lifetime plusd Hastings DirectPremier Life Annual cover (Lifetime cover) Argos Platinum Marks and SpencersPremier John Lewis Pet Insurance Pet Protect Lifelong Extrab Petplan Ultimatee Petplan Classice Helpucover Premier Cover Lifelong Premier Coverd Vet2pet Premier Cover
d
Policy score 86% 85% 82% 79% 79% 79% 95% 94% 88% 87% 81% 81% 80% 80% 80% 78% 75% 74% 67% 81% 71% 71%
Annual premium - 5 year moggy in low risk area 163 171 116 128 155 105 130 76 112 294 188 123 105 153 121 146 153 207 119 104 90 79
6,000 6,000 6,000 7,000 5,000 4,000 4,000 7,500 7,500 6,500
The Green InsuranceLifetime Plusd Saga Super Coverf Pet Protect Lifelong Plusb Petplan Classice Per condition Sainsburys Option 2 Protect Your BubblePremier RSPCA Gold Cover
Cat policies Vet fee cover 7,000 7,500 7,000 5,000 7,000 7,500 5,000 6,000 6,000 5,000 5,000 5,000 4,000 3,500 4,000 3,000 4,000 3,000
g
Provider Debenhams Gold Esure Pet Plus PDSA 7000 Post Office Pet Insurance Littlewoods Platinum Healthy Pets Gold Kwik Fit Gold Direct Line Pet Advancedd Virgin Money Accident and Illness Extrad Admiral Gold Plus Petwise Gold LV= Gold Protect Your BubbleStandard Esure Pet insurance Debenhams Silver PDSA 3000 Healthy Pets Silver Petwise Silver
Policy score 69% 69% 69% 68% 67% 65% 65% 64% 64% 64% 63% 62% 58% 56% 56% 54% 53% 51%
Annual premium - 5 year moggy in low risk area 192 140 98 71 132 59 188 95 110 138 163 97 74 103 150 93 52 126
Table notes
a. b. c. d. e. f. g. Policy is also availabe branded as UIS Maximum age for acceptance is nine years old Collected once per condition, not per condition per year Maximum age for acceptance is 10 years old Maximum age for acceptance is tenth birthday Maximum age for acceptance is seven yers old Policy is also available branded as Very
Dog policies Annual Annual Premium, Premium, Pedigree Cross dog: breed, Labrador Overall mongrel, retriever, policy 5 years 5 years score old Excess old Excess
Provider
Dog policies Annual Annual Premium, Premium, Pedigree Cross dog: breed, Labrador Overall mongrel, retriever, policy 5 years 5 years score old Excess old Excess 82% 272 75 296 75
Provider Hastings DirectPremier Life The Green InsuranceUltimate Lifetime Plusa ComputerquoteClassic Lifeb VetsurePremier Plus Hastings DirectPremier Life John Lewis Pet Insurance HomebasePlatinum Argos Platinum PetplanUltimate
e c
60 55 69
d
60 55 69d 75
75
Annual cover (Lifetime cover) 10,000 7,500 7,000 12,000 7,000 8,000 7,000 7,000 6,000 6,000 6,000 5,000 4,000 4,000 7,500 7,500 7,500 6,500 7,500 7,000 7,000 7,000
g
89% 87% 85% 81% 81% 80% 69% 68% 65% 65% 65% 60% 56% 51% 72% 62% 61% 61% 57% 57% 53% 53%
192 319 306 382 182 426 216 244 311 328 340 347 309 202 210 151 261 159 159 269 207 183
286 343 329 382 256 600 293 305 491 500 535 473 435 275 263 262 289 223 301 297 213 201
Marks and SpencersPremier Pet ProtectLifelong Plusf PetplanClassice The Green InsuranceLifetime HelpucoverPremier Coverg LifelongPremier Coverg Vet2petPermier Cover Saga Super Coverh Pet ProtectLifelong Plusf PetplanClassice Per condition SainsburysOption 2 Protect Your Bubble Premier Esure Pet Plus RSPCA Gold Cover Healthy PetsGold DebenhamsGold PDSA 7000 LittlewoodsPlatinumi
Dog policies Annual Annual Premium, Premium, Pedigree Cross dog: breed, Labrador Overall mongrel, retriever, policy 5 years 5 years score old Excess old Excess 52% 49% 49% 48% 47% 45% 45% 37% 36% 33% 140 174 204 244 258 159 230 108 209 134 75 80 80 75 60 60 75 75 75 75 210 182 210 292 326 192 253 182 230 253 75 80 80 75 60 60 75 75 75 75
Provider Post Office Pet Insurance Direct Line Pet Advancea Virgin MoneyInjury and Illnessa Kwik Fit Gold Admiral Gold Plus LV= Premier Petwise Gold Protect Your BubbleStandard DebenhamsSilver Healthy PetsSilver
Vet fee cover 5,000 6,000 6,000 5,000 5,000 5,000 5,000 4,000 4,000 4,000
Table notes
a. b. c. d. e. f. g. h. i. Maximum age for acceptance is 10 years old Policy is also available branded as UIS Maximum age for acceptance is 9 years old Collected once per condition, not per condition per year Maximum age for acceptance is eighth birthday, or fifth for specific breeds Maximum age for acceptance is seven, or five for specific breeds Maximum age for acceptance is eight years old, or five years old for particular breeds Maximum age for acceptance is seven Policy is also available branded as Very
Pet insurance will not cover 'expected' costs such as routine vaccinations or worming Most pet insurance will pay boarding fees if you need to go into hospital Most pet insurance will cover advertising and recovery costs if your pet goes missing Most pet insurance will also cover legal expenses if your pet causes injury to a third party The most expensive pet insurance also offers holiday cancellation cover if your pet is sick.
How it works
A pet insurance policy will cover medical expenses if your pet becomes ill or is injured in an accident. However, it won't cover routine visits to the vet or events that you could have anticipated, such as routine vaccinations or neutering.
A top level policy will give your pet comprehensive protection The most comprehensive 'top level' policies offer lifetime cover and reinstate benefits at the start of each year. This means that, as long as the policy is renewed every 12 months, you are able to claim up to the full vet fees benefit, year after year, even for a recurring or ongoing illness. This type of policy can be invaluable if your let develops a long-term condition such as arthritis or eczema. The next best option is a 'mid-level' policy that places a monetary limit on treatment per condition, but without a time restriction. For example, if the policy offers a 4,000 limit per condition, cover for a particular ailment will only run out when you reach this limit, regardless of how long your pet has been receiving treatment.This type of policy is usually less expensive than a lifetime policy. There are cheaper policies available, which limit cover to a maximum 12-month period per condition. They may be of interest to pet owners who are more interested in protecting against high initial costs of treatment after an injury or illness. However, we believe these policies generally offer inadequate cover and so have excluded them from our Best Buy tables.
Cost factors
Pet owners living in urban areas will usually pay higher premiums than those in rural areas, partly because the risk of injury is greater but mainly because vet fees are higher. You could pay twice as much to insure a cat or dog if you live in London, for example, as you would if you lived in Glasgow or Leeds according to a snapshot Which? Money survey.
Where you live will affect pet insurance costs The cost of cover also increases with the pet's age, reflecting the fact that older animals are more likely to need medical treatment. Many companies will provide cover only for dogs less than eight or nine years old and cats younger than ten. Pedigree animals are generally more expensive to insure than moggies or mongrels. This is because they are worth more - many policies offer to pay out the cost of a pet if it dies or is stolen - and because non-pedigree cats and dogs are generally healthier and live longer than pedigrees.
In a perfect world everything runs smoothly from day to day, there are no accidents, disappointments or things to worry about beyond deciding what color sock youll wear with your shirt tomorrow. Unfortunately this perfect world only exists in places like the Wiggles show, on a cruise or at an all inclusive resort, providing the weather is good.
Switching back to where most of us spend our time in the real world, things are not all bad and most of the time life is okay but accidents do happen, disappointment arise to show their ugly head and worry tends to extend beyond the perfect world of TV. Thats why people invented things like cat pet insurance. Its for happy cat owners who would like to remain happy cat owners. If youre not a cat owner then there is no reason to read any further unless you know a cat owner and youre reading this for them. In any case, lets proceed.
Running out to your local pet insurance company and quickly grabbing a policy is one method, but not necessarily a good one when it comes to buying pet insurance. We all live different lives and so does your cat. You need to fit the pet insurance company and policy you choose to you and your pets lifestyle. Getting the most comprehensive coverage with the lowest possible premiums and deductibles is not impossible providing you do your homework. Closely compare companies and plans and take your time to read all the fine print and ask lots of questions to make sure youre well informed. Only when youre completely satisfied should you buy a policy. Besides getting the basic coverage for accidents and visits to the vet, there are other types of coverage you may not have considered that may be important to you. Here is a list of a few lesser known pet insurance features and types of coverage that you may like to consider asking about for your policy. Were not r ecommending you get all of these features. Instead select the coverage and features that will benefit you the most and fits best with your particular needs.
Little Known Types of Pet Insurance Coverage and Features Animal Bites
Getting bitten is not on the top of my list and Im sure its not on the top of your Cats list either. But if you have one or more outdoor cats there is the risk of them being attacked by another animal. Indoor Cats are at a much lower risk, unless you also own a nasty gerbil or two. Seriously, residential areas offer less of a danger from wild animals but if you live in a highly wooded or desert area you may want to consider the everyday dangers your cats have to deal with when stepping out the door. Here are some of the more common wild animals that offer a threat to your outdoor cat. Snake Coyote Raccoon Squirrel
Scorpion Fox Porcupine Ground Hog Skunk Rat If you feel the risk is significant for your cat, look for coverage of bite wounds, lacerations and the like. Treatment can run into hundreds if not thousands of dollars so ensuring you have the coverage for this type of incident is a smart move.
Car Accidents
We know your Cat doesnt drive, but if they are injured in a car accident are they properly covered for treatment? If your Cat frequently travels in the car with you check with your Car insurance to see if they offer any special riders for pets. Even if your Cat doesnt get into the car with you very often its something worth taking the time to look into just to be on the safe side.
Also plan ahead and make sure your cat is fully covered by your pet insurance if youre planning to go away for an extended period of time.
Find out if any breed-specific illnesses are covered for your Cat
If the breed of your Cat has hereditary, pre-existing or breed-specific conditions they may not be covered and this may be the coverage you need the most. Check with the pet insurance company to see if they offer coverage and what percentage they will cover. Also check if treatments as well as prescriptions are included in the coverage.
In Closing
This list should give you some new ideas to add to whatever must have list youve got going b efore setting out to find the optimum pet insurance policy for your cat. While youre hunting around, take some time and review each policy very carefully. Finding a policy with the features you want at a price you can afford will make you and your cat very happy. Petshealth has been around since 1997 offering customizable pet insurance coverage for cats based on four increasing levels of protection. They also offer a ten percent savings if you buy coverage for multiple pets. In this review well take a look at the different plans Petshealth Care Plan has to offer you and your cat and the coverage their policies provide.
See more Pictures of Cats in Petshealth Care Plan Pet Insurance Review
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Pet Insurance: Little Known Features and Types of Coverage You May Not Know About
posted by cam on jul 05 2011 | pet insurance
In a perfect world everything runs smoothly from day to day, there are no accidents, disappointments or things to worry about beyond deciding what color sock youll wear with your shirt tomorrow. Unfortunately this perfect world only exists in places like the Wiggles show, on a cruise or at an all inclusive resort, providing the weather is good.
See more Pictures of Cats in Pet Insurance: Little Known Features and Types of Coverage You May Not Know About
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Cat Pet Insurance: 7 Money Saving Ideas You May Not Have Though About
posted by cam on jul 04 2011 | pet insurance
More and more pet owners are considering Pet Insurance for their Cats in order to add an extra layer of protection for them and their Cats. If your Cat suddenly becomes ill or is in a serious accident, pet insurance can handle the potential high costs for your pets treatment and recovery.
For cat owners or those planning to buy a pet cat that are thinking about getting pet insurance, here are a few money saving ideas that can help keep costs down while hopefully providing you with the coverage you need. See more Pictures of Cats in Cat Pet Insurance: 7 Money Saving Ideas You May Not Have Though About
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Is Pet Insurance worth it? Knowing if you should buy Pet Insurance for your Cat?
posted by cam on jun 30 2011 | pet insurance
If youre wondering if you should get pet insurance for your cat, youre not alone. A few years ago pet insurance would have been on most peoples list of things that are not needed. These days it has become a different story with many pet insurance plans available.
Still the main decision lies in deciding whether to put your hard earned money into premiums or put the money into another financial vehicle that will work better for you. So the question remains; is pet insurance worth it? See more Pictures of Cats in Is Pet Insurance worth it? Knowing if you should buy Pet Insurance for your Cat?
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Pet Insurance for Your Cat: 3 Key Questions to Ask Before You Decide to Buy
posted by cam on jun 27 2011 | pet insurance
Buying Pet insurance for your cat? It may sound like a totally unnecessary luxury that only the very rich can afford. If you are trying to decide whether or not you should get cat pet insurance this article should help you.
Our cats are an important part of our family. We enjoy each others company and our kids love them dearly. Like the good pet owners we are, they are well taken of and we hope that nothing bad will ever happen to them. Nutritious food, clean drinking water, and a safe environment where they can play will keep them happy and healthy. Unfortunately, even if we look after them properly, our pets just like people can get sick or become injured from an accident. See more Pictures of Cats in Pet Insurance for Your Cat: 3 Key Questions to Ask Before You Decide to Buy
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Pet insurance policies can be difficult to understand if you are unfamiliar with the meaning of the terms they contain. Many policies are written with jargon that is difficult to understand which can prevent you from knowing exactly what you are getting for your money.
See more Pictures of Cats in Pet Insurance and the Meaning of Policy Terms
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Cat Pet Insurance: Deciding if it will benefit you and Your Cat
posted by cam on jun 22 2011 | pet insurance
Are you a cat owner looking for a few motivating reasons to consider Cat Health insurance for your cat? We all love our pets and we want the best for them. Its difficult to know if you should get an insurance policy for your Cat or not.
Why you need it and what the benefits are for the long and short term. What benefit does it have to offer you as a Cat owner? How soon should I buy Health Insurance for my Cat? Here we answer these questions and provide a clearer picture of why you need cat pet insurance for your cat. See more Pictures of Cats in Cat Pet Insurance: Deciding if it will benefit you and Your Cat
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Pets are more than just animals that we feed and take care of. They are part of the family, are loved and given the best care that we can offer. From feeding them healthy food to grooming them, we smother them with tender loving care (TLC) because they deserve it even if they dont always reciprocate.
See more Pictures of Cats in How to Buy Pet Insurance for Your Cat
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Looking for Cheap Pet Insurance: 26 Questions to Ask Before You Buy
posted by cam on aug 03 2009 | pet insurance
Looking for cheap pet insurance can be a big job if you dont know what to look for. There are a number of choices and finding the best pet insurance is easy if you know the right questions to ask. Without pet health insurance you wont be protected if something unforeseen happens to your precious pet. It happened to us. Dont let it happen to you.
A Pet Insurance Nightmare: Dont Let this Happen to You and Your Pet.
Last December our precious family pet cat, Jasmine became very ill with kidney disease. Unfortunately we didnt have any pet insurance. The Vet told us they would try some treatments and see how she responds. If Jasmine responded to the treatment it meant more costs for medical treatment from home. If she didnt we still had some costly vet fees for the initial treatment and for keeping Jasmine at the vets for a few days. Unfortunately Jasmine didnt respond to the treatment and the only choice wa s to have her put down. So there we were with a huge vet bill and no cat. Pet Insurance would have made going through the awful experience of loosing a family pet easier to handle.
At a high level though, it just isn't possible for 3% of the dog population and 1% of the cat population to be insured as this would imply a pet insurance industry far larger than reported data indicate.
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Footnotes
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The policy in force (PIF) numbers are drawn from our internal estimates. The written premium numbers are taken
from NAIC Yellow Book data, SEC filings, and SEDAR filings for the large pet insurance companies and from our best estimates for the small companies.
Is the rate of policy related to the age of the pet. Does the policy cover the cost of vaccination and routine costs. Does the policy cover caner therapies or injuries after an accident Do the coverage cover neutering and spaying What is deductible and what are the additional charges after it is satisfied.
Pet insurance has been available to pet owners for about twenty years. Pet insurance generally covers conditions from minor to life threatening, from routine check-ups to emergencies. Policy choices offer varied degrees of coverage and benefits. Insurance can provide a family with the assurance that the care their pet needs can be afforded. As you consider pet insurance, shop carefully and ask your veterinarian for advice.
Dog insurance healthcare plans can vary greatly. Some canine health plans are quite comprehensive, covering annual checkups, routine care, vaccinations and other preventive medications, and spaying/neutering, as well as illnesses and accidents. Others only cover unexpected sickness or injuries.
Dog insurance coverage for emergencies begins immediately on most new dog health plans, with a 30-day waiting period for illness and other claims. Your dogs age can affect your dogs health insurance coverage. Typically, policies begin veterinary healthcare coverage when the dog is 6 to 8 weeks old, although some will start when the dog is younger. Similarly, some dog health insurance companies only will cover dogs under 8 years old unless the animal was already insured with them before turning 8.
Many dog health insurers will not cover your pet if she has a preexisting condition or a terminal illness. Some will insure the dog only if the condition is controlled or stable, usually for 6 months. With all these options, it is important you check out the various dog health insurance companies, their pet insurance policies and corresponding dog healthcare plans.
In short, if you care about your dog, you should care about his health. If you care about your wallet, you should care about your dogs health insurance coverage, too.