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Avoid Surprise Vet Bills – Get Affordable Pet Insurance

Unexpected vet fees can add up fast—but with the right pet insurance, you can stay protected without breaking the bank.

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  • Get a quote in minutes
  • Manage your policy through your online account
  • Cover starts from less than £10.30 per month¹
  • Protect against costly treatments – an X-ray can cost over £300 and an MRI scan more than £2,500

¹ 51% of customers were quoted less than £10.30 per month in March 2025 for their pet insurance, based on the monthly cost when paying annually (excluding interest on instalment payments).

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What Type of Pet Do You Want to Insure?

Choosing the right pet insurance starts with knowing what type of cover your animal needs. Whether you’re a proud cat owner or a devoted dog lover, we make it easy to compare policies tailored to your pet’s lifestyle, age, and breed. From playful pups to independent felines, we help you find protection that suits your companion—and your budget. And if you have a more unusual pet, specialist insurance options may be available too.
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1. Cat Insurance

Whether you have an indoor kitty, an adventurous outdoor cat, or a purebred, we’ll help you compare policies that offer the protection your feline needs.

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2. Dog Insurance

From playful puppies to loyal older dogs, pedigree breeds to mixed mutts — find a range of policies tailored to suit your dog’s needs.

Compare Pet Insurance from Top UK Providers

Choose from 39 policies offered by 21 trusted pet insurance providers – all in one place with Clarity Compare.
Find the right cover for your furry friend at a price that fits your budget.
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What does pet insurance cover?

Pet insurance policies can differ, so it’s important to read the terms and conditions carefully to
understand exactly what’s included and what isn’t.

Your pet insurance may cover

  • Vet fees and treatment if your pet gets ill or injured.
  • Diagnostic tests like X-rays, MRIs, and scans (cover limits might apply).
  • Emergency dental treatment following an accident.
  • Compensation if your pet dies or goes missing.
  • Advertising costs and reward money if your pet is lost.
  • Emergency vet costs abroad for certain countries when you take your pet on holiday.

What pet insurance usually doesn’t cover:

  • Treatment for pre-existing conditions (illnesses or injuries your pet had before the policy started).
  • Vaccinations and booster shots.
  • Conditions that could have been prevented by routine vaccinations for cats or dogs.
  • Illnesses or injuries occurring during the policy’s waiting period (usually the first 14 days).
  • Microchipping (legally required for dogs before 8 weeks old and cats before 20 weeks).

Note about accident-only cover:

Accident-only pet insurance generally doesn’t cover illnesses and usually excludes:

  • Compensation for death or loss of your pet
  • Alternative treatments
  • Advertising and reward fees
  • Kennel or cattery fees

Why Do I Need Pet Insurance?

Our pets are part of the family—and just like any loved one, they deserve the best care when they’re unwell or injured. But unlike humans, there’s no NHS for animals, and unexpected vet bills can quickly add up.

Having the right pet insurance means you’re financially prepared to give your dog or cat the treatment they need, without the worry of high costs. From X-rays to surgery, insurance can help cover it.

At Clarity Compare, we make it simple to compare pet insurance policies in minutes—so you can find the right level of cover at a price that works for you.

Read on to explore the types of pet insurance available, what’s typically included, and how much you might expect to pay.

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Types of Pet Insurance Policies

Choosing the right pet insurance starts with understanding the different types of cover available. The best option for you will depend on your budget and how much protection you want for your pet.

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Lifetime Pet Insurance

The most comprehensive option, lifetime cover protects your pet against ongoing conditions, illnesses, and accidents—as long as the policy is kept active. It’s ideal for long-term peace of mind and consistent protection.

Time-Limited Pet Insurance

This type of policy covers your pet for a specific condition for up to 12 months or until you reach the maximum payout limit—whichever comes first. After that, the condition will no longer be covered, even if you renew.

Maximum Benefit Pet Insurance

Maximum benefit policies cover each illness or injury up to a set financial limit. There’s no time restriction, but once the limit is reached for a specific condition, that condition is no longer covered.

Accident-Only Pet Insurance

A more budget-friendly choice, this policy covers the cost of treatment if your pet is injured in an accident. It doesn’t cover illness, so it may suit healthy young pets that are less likely to need ongoing medical care.

Which Level of Cover Is Right for You?

There’s no one-size-fits-all answer—it depends on your needs and what you’re comfortable spending. Whatever you choose, always read the policy details carefully so you know exactly what is and isn’t covered. At Clarity Compare, we help you weigh up your options and compare pet insurance policies side by side—so you can make the best choice for your four-legged friend.

Top tips to lower your premium

1. Opt for a co-payment policy

Some insurers offer lower premiums if you agree to pay a percentage of each claim, in addition to the standard excess.

2. Keep your pet healthy

Regular exercise, a balanced diet, and routine care can help prevent costly vet bills—and may lower your risk profile.

3. Stay up to date with vaccinations

Ensuring your pet receives all recommended vaccinations and boosters helps protect against illness. Missed vaccines could mean a rejected claim if your pet becomes sick from a preventable disease.

4. Consider spaying or neutering

Neutered pets are often seen as lower risk by insurers, which can help reduce your premium.

5. Be mindful of breed choice

While pedigree pets can be a joy, they’re often more prone to hereditary conditions, which may increase insurance costs. Crossbreeds or mixed-breed animals typically cost less to insure.

6. Compare quotes before you buy

Using Clarity Compare’s pet insurance tool, you can easily compare quotes from a wide range of UK providers—all in one place.

[5] As of May 9th 2025, Clarity Compare had an average rating of 4.9 out of 5 from 83,432 people on Trustpilot. The score 4.9 corresponds to the Star Label ‘Excellent’.

Does pet insurance cover pre-existing conditions?

  • In most cases, pet insurance won’t cover pre-existing conditions—these are illnesses or injuries your pet had before your policy began, such as diabetes or arthritis.

    Are there any exceptions?

    Some specialist insurers may offer cover for historical pre-existing conditions—but only if:

    • Your pet hasn’t shown symptoms,

    • Or received treatment for that condition within a set time period (e.g. the last two years).

    However, these policies are limited and may come with restrictions on what’s covered and how much you can claim.

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What Our Customers Say?

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"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

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Can I insure more than one pet under the same policy?

Yes, some insurers offer multi-pet insurance, which lets you cover more than one pet on a single policy. It can often come with a discount and make managing your cover simpler—all your pets, one renewal date, and less paperwork.

Can I compare multi-pet insurance with Clarity Compare?

At the moment, multi-pet policies can’t be compared directly through our platform. However, many of the providers we work with do offer multi-pet options once you visit their website.

How to explore multi-pet cover:

  1. Run a quote for one pet on Clarity Compare.

  2. Choose a policy that suits your needs.

  3. Click through to the insurer’s site to see if they offer the option to add more pets.

Why compare pet insurance with Clarity Compare?

At Clarity Compare, we make it simple to find great-value pet insurance—quickly and confidently.
  • Trusted by users

  • Wide choice of providers

  • Exclusive rewards
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Trustpilot rating correct as of 9 May 2025. Clarity Compare had an average score of 4.9 out of 5, based on 83,432 customer reviews—earning us an ‘Excellent’ rating.

How much does pet insurance cost?

The cost of pet insurance can vary depending on several factors. Understanding what affects your premium can help you choose the right level of cover for your pet—and your budget.

 

What can impact the price of your policy?

1. Type of policy

More comprehensive plans usually cost more but offer wider protection.

2. Level of cover

Policies with higher cover limits may come at a higher price, but they can be vital for serious illnesses or accidents.

3. Insurance provider

Prices vary between providers based on their experience and claims data.

4. Age and health of your pet

Older pets typically cost more to insure, as they’re more likely to develop health conditions.

5. Breed and type of pet

Some breeds are more prone to hereditary or chronic conditions, which can influence the cost.

6. Spaying or neutering

Pets that have been neutered often cost less to insure, as they’re considered lower risk.

7. Policy excess

A higher compulsory excess (the amount you pay towards a claim) can reduce your monthly premium.

8. Your location

Vet costs vary by region, and premiums can reflect that.

Pet Monthly Premium Annual Premium
Dog £12.06 £145
Cat £6.41 £77

Monthly premium figures are based on the cost when the policy is paid annually, excluding any interest charged on instalment payments. These figures give a useful starting point, but your actual premium will depend on factors like your pet’s age, breed, and health—as well as the type of cover you choose.

Where can I find pet insurance quotes?

At Clarity Compare, we make it easy to compare pet insurance policies so you can find the right cover for your furry companion.

Tell us about you and your pet

Share a few simple details about yourself, your pet, and the type of cover you’re after.

Compare your options

We’ll show you a range of pet insurance policies from trusted providers, making it easier to compare features, cover levels, and pricing all in one place.

Pick the right cover

Once you’ve found the policy that suits your needs, you can protect your pet with confidence—knowing you’ve made a clear, informed choice.

Frequently Asked Questions

Get clarity on the most common questions about pet insurance—so you can make confident, informed choices.
What is co-insurance?

Co-insurance means you agree to pay a percentage of each claim, in addition to any fixed excess. For example, if your policy includes 10% co-insurance and the vet bill is £1,000, you’d pay £100 (plus your excess), and the insurer would pay the rest.

Yes—pet insurance can help cover the cost of unexpected vet bills, which can run into hundreds or even thousands of pounds. It offers peace of mind that you won’t face financial strain if your pet becomes ill or injured.

Older pets typically cost more to insure because they’re more likely to develop health issues. Some providers may also limit the level of cover or exclude pre-existing conditions.

Yes—most policies include a compulsory excess, which is the amount you pay towards a claim. Some also include co-insurance, especially for older pets.

Your location can impact your premium. Vet costs are generally higher in some areas, and providers may adjust pricing based on local risk factors and claim history.

Some policies include cover for kennel or cattery fees if you’re hospitalised and unable to care for your pet. Check the policy details to see if this is included.

Most policies include a waiting period (typically 14 days) before cover for illness starts. However, cover for accidents may begin immediately, depending on the provider.

Paying annually is usually cheaper, as some insurers charge interest on monthly payments. If you can pay upfront, you may save in the long run.