Pet insurance protects you from the high cost of vet’s bills if your pet falls ill or has an accident.
Dog insurance can include public liability insurance – in case your dog injures someone or causes damage to their property (including another animal or livestock).
When taking out pet insurance cover make sure you understand what treatments are covered and if there are any limits or excesses to pay.
Nearly all domestic pets can be insured but be aware that the older they are the higher the premium you are likely to be charged.
How do we review which pet insurance policies get the best rating?
Moneyfacts’ expert team have spent the last 30 years providing 100% impartial and accurate information regarding a host of retail financial products. We take a whole of market look at the pet insurance policies, collecting over 70 fields of information for each individual product before analysing and comparing them to produce our ratings. As part of this process, we split cat and dog insurance policies so you can be assured that our Four and Five Star Ratings represent the best in market choice for your beloved pet.
How does a star rating help me find the best pet insurance?
Moneyfacts is recognised by both customers and providers as the go-to place for accurate insight and impartial evaluation of pet insurance policies. The straight-forward five-star ratings system is a simple and effective way for consumers to compare products and providers.
Only those pet insurance policies that deliver the best in terms of both features and benefits can expect to receive our Four and Five Star Ratings. Customers choosing from products that are awarded one of these ratings can be sure they are buying the best cover on the market.
Featured pet insurance providers
Bought By Many Pet Insurance
Easy to join, easy to switch to us – you can claim immediately when you switch straight to us.Voted Best Pet Insurance Provider at the 2026 Insurance Choice Awards. Rated 5* by over 14,000 customers.FREE unlimited video calls with a vet, 24/7.Over 300,000 pets covered.Lifetime policies.No cancellation fee.
GET YOUR FIRST MONTH FREECover starts from 8 weeks old, up to £10,000 vets fees per annumCovers Reoccurring conditions & Dental24/7 video vet with 100% digital claimsTrack claims in real-time with a personal claims handlerOnline behaviour and nutrition consultationsSupports a charity of your choosingPayment for loss, theft or deathPerks & discounts unique to your dog
12.5% Multi pet discount if you have more than one pet on the same policyIntroductory online discount applied over the first 12 months.Rated 8.9/10 by our customers on ReevooHave a question about you pet? Get unlimited 24/7 online access to a qualified vet via PawSquadPayments made direct to Vet. Subject to Vet agreement, excess and conditions apply.Pre existing condition cover; quotes available via phone depending on eligibility.Submit claims online 24/7
Petplan is the UK’s No.1 pet insurer, insuring over 1.3 million pets nationwide.Award winning pet insurance includes cover for congenital, hereditary and behavioural conditions.98% of Covered for Life claims paid – that’s over £5million paid every week to help Petplan pets get the veterinary treatment they need.You won’t pay more for claiming.The UK’s most trusted insurer and over 90% of customers renew with us each year.Vets choose to partner with us.Exclusive customer support and advice through pethoodExtra 10% online discount.
3 levels of cover to choose from including Time Limited, Maximum Benefit and Lifetime CoverLifetime cover for Dogs and Cats with vet fee options of £2,000, £5,000 and £10,000Choose your own excess levelClaims paid direct to vet practice (subject to vet agreement)UK based call centreCover available from 8 weeks old
Pre-existing conditions until treatment or symptom free for 24 months.Pets less than 8 weeks old or over 8 years at policy inception.Illnesses within 14 days of policy inception & injury within 5 days of inception.Dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.Dogs used for working
Pet Insurance for dogs and cats with cover for vet’s fees up to £8,000.Up to 30% discount for the first year of cover and a choice of cover levels to suit you and your pet.95% of claims paid in 2026 directly to policyholders or their vet.Trustpilot Rated Excellent & Feefo Gold Trusted Service Award winners.Pet Insurance Provider of the Year at the Moneyfacts Consumer Awards 2026.
Admiral offer a range of policies like 12 month and max benefit, but Lifetime cover is the most fully comprehensive policy. It includes the following as standard:Vet fees for an accidental injury up to £10KVet fees for a new illness up to £10KUp to £2M Third party liability for dogsUp to £2,500 Dentistry after accident/injuryContinued cover for new illnesses at renewal up to cover fee limitRefresh your illness cover limit at renewalThree levels of cover to choose fromGet a 5% discount with multi petPet Insurance is provided by Insurance Factory Ltd.
4 different cover options to choose from, find a policy to suit your needsReceive a 10% multi-pet discount for each pet that you insure on the same policy with multi-pet discount. Multiple discounts applied consecutively.Access to qualified vet nurses, any time, any day.0% APR so you can spread the costYou can submit a claim online 24/7Vets bills can be paid directly to your vet. Subject to vet agreement, excess applies.More Than pays out on 91% of claims*. *MORE TH>N DATA Jan-Dec 2026.
Voted UK’s Best Pet Insurance Provider 2026 at the Insurance Choice AwardsRated excellent by our customers on Trust PilotFree unlimited access to a UK-registered vet or vet nurse, 24/7 through The Vet ConnectionLifetime cover for cats and dogs providing up to £15,000 of vet fee cover each yearFlexible excess from as little as £60Direct payment to vets
Over 20 years experience as pet insurance expertsFree 24/7 vet video consultations for dogs and catsEvery policy you buy helps us support animal charitiesYour vet can claim online on your behalf.
10% Multipet discount (online)Policies for Dogs and Cats from 5 weeks old with no upper age limitNo cancellation feesLifetime policiesVets bills can be paid directly to your vet. Subject to vet agreement, excess applies.
Every pet insurance policy sold contributes to life-saving workAre the UK’s leading veterinary charityA range of policies to suit all budgets and needsFree 24/7 veterinary advice helpline exclusive to policy holdersPayment direct to vet97% claims settled
Free dog activity tracker when you take out a dog insurance policy.Insure two or more pets to unlock our multi-pet bonus discount.Lifetime, Time Limited or Maximum Benefit policies available.Petcall 24/7 free with every policy.Policies for Dog and Cat.We can make claims payments directly to your vet.
Different levels of cover to suit every budget.97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site.Cover from 6 weeks oldUK based contact centre24/7 emergency claims line97% of all claims are paid 5 days on average
Different levels of cover to suit every budget.97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site.Cover from 6 weeks oldUK based contact centre24/7 emergency claims line97% of all claims are paid 5 days on average
24 hour access to qualified nurses via vetfoneTMProtect your dog or cat from just eight weeks old5% discount on additional petsPay by monthly instalments – at no extra cost
Over 37 years protecting the UK’s pets with specialist insuranceVets bills can be paid directly to your vet3 levels of annual vet cover up to £12,000Cover for pets over 2 months old10% multi pet discountCover for new long-term and chronic conditions0% monthly payment option
24/7/365 Scratch & Patch Careline as standardCover your pet from 5 weeks old, no upper age limit for new policies10% discount if you choose to insure 2 or more petsVet’s fees insured in the UK and within the EU Pet Travel Scheme (PETS) area on all policiesUK based administration and claims handlingNo waiting period for illness cover if you switch from another provider and have continuous insurance (otherwise 14 days)Under our Champ products we may be able to cover certain pre-existing conditions.
Our pet insurance gives you a choice of 5 levels of cover to meet your needs, with a mixture of Lifetime and Time Limited policies available.We can pay your vet directlyWe’ll cover your puppy or kitten from eight weeks oldPay monthly at no extra costVariable excesses to suit your pocketLifetime options: Vets fee cover of £3k, £5k or £10k – every year your pet is insured with usTime Limited options: Vets fee cover of £1.5k or £2.5k for up to 12 months for each condition
Lifetime Pet Insurance for dogs and cats with up to £12,500 vet fees cover97% Claims are paid, direct to your vet if you preferRated Excellent on TrustpilotWinner of Moneyfacts Consumer Award 2018 & 2026: Pet Insurance Provider of the YearWinner of Moneyfacts Consumer Award 2018 & 2026: Best Claims Service
Easy to join, easy to switch to us – you can claim immediately when you switch straight to us.Voted Best Pet Insurance Provider at the 2026 Insurance Choice Awards. Rated 5* by over 14,000 customers.FREE unlimited video calls with a vet, 24/7.Over 300,000 pets covered.Lifetime policies.No cancellation fee.
GET YOUR FIRST MONTH FREECover starts from 8 weeks old, up to £10,000 vets fees per annumCovers Reoccurring conditions & Dental24/7 video vet with 100% digital claimsTrack claims in real-time with a personal claims handlerOnline behaviour and nutrition consultationsSupports a charity of your choosingPayment for loss, theft or deathPerks & discounts unique to your dog
12.5% Multi pet discount if you have more than one pet on the same policyIntroductory online discount applied over the first 12 months.Rated 8.9/10 by our customers on ReevooHave a question about you pet? Get unlimited 24/7 online access to a qualified vet via PawSquadPayments made direct to Vet. Subject to Vet agreement, excess and conditions apply.Pre existing condition cover; quotes available via phone depending on eligibility.Submit claims online 24/7
Petplan is the UK’s No.1 pet insurer, insuring over 1.3 million pets nationwide.Award winning pet insurance includes cover for congenital, hereditary and behavioural conditions.98% of Covered for Life claims paid – that’s over £5million paid every week to help Petplan pets get the veterinary treatment they need.You won’t pay more for claiming.The UK’s most trusted insurer and over 90% of customers renew with us each year.Vets choose to partner with us.Exclusive customer support and advice through pethoodExtra 10% online discount.
3 levels of cover to choose from including Time Limited, Maximum Benefit and Lifetime CoverLifetime cover for Dogs and Cats with vet fee options of £2,000, £5,000 and £10,000Choose your own excess levelClaims paid direct to vet practice (subject to vet agreement)UK based call centreCover available from 8 weeks old
Pre-existing conditions until treatment or symptom free for 24 months.Pets less than 8 weeks old or over 8 years at policy inception.Illnesses within 14 days of policy inception & injury within 5 days of inception.Dogs used for guarding, racing, coursing or and dog registered under the Dangerous Dogs Act 1991.Dogs used for working
Pet Insurance for dogs and cats with cover for vet’s fees up to £8,000.Up to 30% discount for the first year of cover and a choice of cover levels to suit you and your pet.95% of claims paid in 2026 directly to policyholders or their vet.Trustpilot Rated Excellent & Feefo Gold Trusted Service Award winners.Pet Insurance Provider of the Year at the Moneyfacts Consumer Awards 2026.
Admiral offer a range of policies like 12 month and max benefit, but Lifetime cover is the most fully comprehensive policy. It includes the following as standard:Vet fees for an accidental injury up to £10KVet fees for a new illness up to £10KUp to £2M Third party liability for dogsUp to £2,500 Dentistry after accident/injuryContinued cover for new illnesses at renewal up to cover fee limitRefresh your illness cover limit at renewalThree levels of cover to choose fromGet a 5% discount with multi petPet Insurance is provided by Insurance Factory Ltd.
4 different cover options to choose from, find a policy to suit your needsReceive a 10% multi-pet discount for each pet that you insure on the same policy with multi-pet discount. Multiple discounts applied consecutively.Access to qualified vet nurses, any time, any day.0% APR so you can spread the costYou can submit a claim online 24/7Vets bills can be paid directly to your vet. Subject to vet agreement, excess applies.More Than pays out on 91% of claims*. *MORE TH>N DATA Jan-Dec 2026.
Voted UK’s Best Pet Insurance Provider 2026 at the Insurance Choice AwardsRated excellent by our customers on Trust PilotFree unlimited access to a UK-registered vet or vet nurse, 24/7 through The Vet ConnectionLifetime cover for cats and dogs providing up to £15,000 of vet fee cover each yearFlexible excess from as little as £60Direct payment to vets
Over 20 years experience as pet insurance expertsFree 24/7 vet video consultations for dogs and catsEvery policy you buy helps us support animal charitiesYour vet can claim online on your behalf.
10% Multipet discount (online)Policies for Dogs and Cats from 5 weeks old with no upper age limitNo cancellation feesLifetime policiesVets bills can be paid directly to your vet. Subject to vet agreement, excess applies.
Every pet insurance policy sold contributes to life-saving workAre the UK’s leading veterinary charityA range of policies to suit all budgets and needsFree 24/7 veterinary advice helpline exclusive to policy holdersPayment direct to vet97% claims settled
Free dog activity tracker when you take out a dog insurance policy.Insure two or more pets to unlock our multi-pet bonus discount.Lifetime, Time Limited or Maximum Benefit policies available.Petcall 24/7 free with every policy.Policies for Dog and Cat.We can make claims payments directly to your vet.
Different levels of cover to suit every budget.97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site.Cover from 6 weeks oldUK based contact centre24/7 emergency claims line97% of all claims are paid 5 days on average
Different levels of cover to suit every budget.97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site.Cover from 6 weeks oldUK based contact centre24/7 emergency claims line97% of all claims are paid 5 days on average
24 hour access to qualified nurses via vetfoneTMProtect your dog or cat from just eight weeks old5% discount on additional petsPay by monthly instalments – at no extra cost
Over 37 years protecting the UK’s pets with specialist insuranceVets bills can be paid directly to your vet3 levels of annual vet cover up to £12,000Cover for pets over 2 months old10% multi pet discountCover for new long-term and chronic conditions0% monthly payment option
24/7/365 Scratch & Patch Careline as standardCover your pet from 5 weeks old, no upper age limit for new policies10% discount if you choose to insure 2 or more petsVet’s fees insured in the UK and within the EU Pet Travel Scheme (PETS) area on all policiesUK based administration and claims handlingNo waiting period for illness cover if you switch from another provider and have continuous insurance (otherwise 14 days)Under our Champ products we may be able to cover certain pre-existing conditions.
Our pet insurance gives you a choice of 5 levels of cover to meet your needs, with a mixture of Lifetime and Time Limited policies available.We can pay your vet directlyWe’ll cover your puppy or kitten from eight weeks oldPay monthly at no extra costVariable excesses to suit your pocketLifetime options: Vets fee cover of £3k, £5k or £10k – every year your pet is insured with usTime Limited options: Vets fee cover of £1.5k or £2.5k for up to 12 months for each condition
Lifetime Pet Insurance for dogs and cats with up to £12,500 vet fees cover97% Claims are paid, direct to your vet if you preferRated Excellent on TrustpilotWinner of Moneyfacts Consumer Award 2018 & 2026: Pet Insurance Provider of the YearWinner of Moneyfacts Consumer Award 2018 & 2026: Best Claims Service