Compare Cheap Pet Insurance
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Pet insurance can provide both peace of mind and financial protection in case your beloved pet is ever injured or falls ill. But how much should you expect to pay for pet insurance in the UK? Pet insurance costs range from £6 a month to over £100 a month in the UK.
- Average cost of pet insurance in the UK
- How much is pet insurance for dogs?
- How much is pet insurance for cats?
We've researched two dozen UK pet insurance brands to find average costs for dogs and cats, by age of pet, policy type, and even some different breeds. Use this information to help you understand what type of pet insurance policy fits in your budget and if quotes you receive fall in line with the rest of the market.
Average Pet Insurance Cost UK
While the average cost of "accident only" pet insurance insurance is just £6 to £10 per month, accident only cover is not usually enough—most vet bills are for treating illnesses, not accidental injury. Pet insurance that covers BOTH accidents & illnesses starts from around £23 per month (£274 a year) for dogs and £10 for cats (£117 a year).
|Average Cost of Cheap Accident & Injury Pet Insurance UK||per month||per year|
What do people really pay? According to the ABI, the average pet insurance premium in the UK is £279.
Prices vary significantly by the type of cover—for instance, policies that limit coverage to 12 months for any condition (Time Limited polices) cost roughly 20% to 50% less than policies with no time limits and that renew each year (Lifetime policies). The cost of Maximum Benefit policies, which have no time limit but do impose a non-renewing per-condition limit, can sometimes cost as much as Lifetime cover despite offering less desirable cover.
Pet Insurance Costs Increase with Age
You should budget for rising pet insurance costs as your pet ages. This is not surprising, since pets will suffer more age-related health problems as they grow long in the tooth—just like their owners. In fact, some insurers even stop offering new lifetime policies once your pet hits a certain age—generally around 8 years for dogs and 10 years for cats. Prices tend to double by around 8 to 10 years of age.
How Much is Dog Insurance?
Based on our research of two dozen UK pet insurance companies, we found that the cost of dog insurance for a young, mixed breed dog starts from around £20 per month for Time Limited and Max Benefit policies and closer to £28 a month (£332 a year) for Lifetime cover. Policies with higher vet fee limits, renewing limits and better features can cost 2X as much, if not more. The best type of cover is Lifetime because vet limits reset each year.
|Starting Costs of Cheap Dog Insurance UK||per month||per year|
The price you pay for a dog insurance policy, however, may differ significantly due to factors such as the age and breed of your dog and the level of cover you choose. In fact, breed can be one of the most influential factors, with the cost of pet insurance for bulldogs (both English and French) costing more than 2X as much as other popular dogs.
|Monthly Cost of Cheap Dog Insurance by Breed (age 1 year)|
|English Springer Spaniel||£23.20|
How Much is Cat Insurance?
After gathering quotes from two dozen UK pet insurers, we discovered that the average cost of cat insurance starts from around £10 per month (£125 a year) for a young British Shorthair cat. These prices represent the cheapest 5 policies; opting for higher levels of cover or plans with more robust features can double the price, or more.
Average Cat Insurance Costs
|Average Cost of Cheap Cat Insurance in the UK|
Premiums will vary by breed of cat, although the variation across cat breeds is not as significant as it is for dogs.
Owners of female cats pay around 5% less for pet insurance than owners of male cats.
We gathered quotes in March 2020 from the our pet insurance comparison partner Compare Cover. Unless otherwise specified, prices were for a one-year-old mixed breed dog and a British Shorthair cat.
- Pet Pals
- Purely Pets
- Pet Protect
- Healthy Pets
- John Lewis
- Legal and General
- Marks and Spencer
- Post Office
- Lifetime Pet Cover
- 4Paws Pet Insurance
- The Insurance Emporium
- Scratch and Patch
- Geoffrey Pet
- Sainsburys Bank
- Argos HIS
Compare Cheap Pet Insurance Quotes
Panel includes Animal Friends, Scratch and Patch, Lifetime Pet Cover and 20 other pet insurers.