Reviews of the Best and Worst Pet Insurance Companies

How do I find the best pet insurance?

With a wide variety of pet insurance policies on the market that pay out in different ways, finding the right coverage for your furry friend can be difficult.

We reviewed over a hundred cat and dog fonts to choose our Best Buy fonts.

We also surveyed pet insurance customers — including those who made a claim — to compare pet insurance providers.

What is the best pet insurance?

We’ve analyzed over 80 cat insurance policies and 90 dog insurance policies to help you find the best coverage.

The policies in the tables below are our best buys. These are lifetime policies that offer high levels of cover and meet our minimum cover criteria.

We weren’t able to rate all insurers for their service levels, but we’ve shown the scores of those we were able to test.

Which? members can log in to see the results of our analysis. If you are not already a member, join Which? and get full access to these results and all our reviews.

How did we choose our Best Buys for cats?

In November 2021, we analyzed 84 pet insurance policies covering cats, looking at the amounts they paid in veterinary fees and other benefits they offer, including cancellation fees. vacation, dental coverage, and advertising and reward costs to help find your cat if it goes missing.

We compared 21 features of cat insurance policies—and how much each pays in vet fees—to create a policy score. The higher the score, the more comprehensive the policy coverage.

The policies we named Best Buys are all lifetime policies that performed well in our coverage analysis – scoring at least 64%. Besides:

  • Each will pay a minimum of £2,000 a year in veterinary costs
  • Each will pay a minimum of £1,000 for any single condition in a year, if a condition limit applies.
  • They all also offer dental coverage for accidents and illnesses

Customer service

We did not receive enough respondents in our customer survey to provide customer or complaint scores for each brand considered. That means we can’t speak to the service levels of each Best Buy vendor. However, we have not included vendors that we were able to assess that received below average customer or complaint scores. Additionally, we have not included other providers who, at the time of the analysis, had a below average complaints record with the Financial Ombudsman Service.

How did we choose our top dog buys?

In November 2021, we analyzed 92 pet insurance policies covering dogs, looking at the amounts they paid in veterinary fees and other benefits they offer, including cancellation fees. vacation, dental coverage and liability costs if your dog causes injury or property damage. .

We compared 24 features of dog insurance policies—and how much each pays in veterinary fees—to create a policy score. The higher the score, the more comprehensive the policy coverage.

The policies we’ve named Best Buys are all lifetime policies that performed well in our coverage analysis – scoring at least 63%. Besides:

  • Each will pay a minimum of £2,000 a year in veterinary costs
  • Each will pay a minimum of £1,000 for any single condition in a year, if a condition limit applies.
  • They all also offer dental coverage for accidents and illnesses

Customer service

We did not receive enough respondents in our customer survey to provide customer or complaint scores for each brand considered. That means we can’t speak to the service levels of each Best Buy vendor. However, we have not included vendors that we were able to assess that received below average customer or complaint scores. Additionally, we have not included other providers who, at the time of the analysis, had a below average complaints record with the Financial Ombudsman Service.

What are the best pet insurance companies?

In November 2021, we surveyed 1,342 which ones? members who have pet insurance.

The chart below shows which of the nine pet insurance providers had the most – and least – satisfied customers, along with their score for seven different aspects of their service.

You can also see how pet insurers have fared with claims, and clicking on an insurer’s name will take you to our in-depth review.

Which? members can log in to see the results of our analysis. If you are not already a member, join Which? and get full access to these results and all our reviews.

How We Calculate the Best Pet Insurance

In November 2021, we conducted a survey of 1,342 Which one? members who have pet insurance. Customers were asked if they were satisfied with their supplier and how likely they would be to recommend it. We used the answers to these questions to generate our customer score.

Complaint scores are based on responses of 784 Which? members who have claimed pet insurance in the last 5 years (survey carried out in November 2021). Respondents were asked if they were satisfied with their most recent claim and how likely they would be to recommend their provider based on their claims department.

Customer score sample sizes: Animal Friends (171), Bought by many (140), Direct Line (47), John Lewis (44), LV (71), Petplan (395), Sainsbury’s Bank (34), Tesco Bank (83 ), The Kennel Club (37)

Complaints score sample sizes: Animal Friends (103), Bought by many (53), Direct Line (34), John Lewis (37), LV (33) Petplan (301), Tesco Bank (49). When ‘-‘ is shown in the Customer or Complaints score columns, we did not receive enough responses in our survey (30) to generate the scores.

What does pet insurance cover?

Not all policies will include all of these types of cover, and limitations and exclusions may apply – see our individual insurer reviews for details.

Death by accident or illness

If your animal dies, you can recoup the cost of what you paid for it or what it could sell.

Most pet insurance policies have an age limit – usually seven to 10 for a cat and seven to eight for a dog – after which insurers won’t pay, or you’ll have to contribute costs.

Most pet insurance companies cover the cost of posting signs and pay a reward if your pet goes missing.

Civil liability (dog policies only)

If you have a dog, your pet insurance policy should pay if your dog injures a third party or damages their property.

This covers the plaintiff’s legal fees, expenses and costs. Cats do not need to be covered by a third party as they are legally considered “free spirits”.

Most pet insurance policies provide coverage if your pet becomes ill, is involved in an accident, or needs veterinary care abroad.

If you are hospitalized and there is no one else to care for your pet, your pet insurance company will pay to have your pet placed in a cattery or kennel. You usually need to be hospitalized for at least two to four consecutive days.

Most pet insurers provide coverage if your pet needs dental care. Some policies only cover necessary treatment as a result of injury or illness. However, some will not cover the illness.

Policies probably won’t cover routine treatments or expenses related to pregnancy and childbirth.

Read more: pet insurance explained

What types of pet insurance are there?

Just as car insurance is broken down into multi-risk and civil liability, there are different types of pet insurance contracts:

Lifetime Pet Insurance

Lifetime coverage is the most comprehensive pet insurance on the market and pays for persistent issues your pet may have throughout their lifetime.

There are three main types of life cover:

  • Annual coverage has a maximum aggregate limit that includes all conditions your pet may encounter, which resets each year.
  • By state by year has a maximum limit for the specific conditions your pet can have, which resets every year.
  • Lifetime coverage per condition (overall annual limit) these policies have annual individual condition limits and a maximum aggregate annual limit for all conditions, ie up to £4,000 per condition and £12,000 for all conditions per year.

Annual and per-condition pet insurance policies cover ongoing illnesses each year, unless you cancel your policy.

Non-Life Pet Insurance

Non-life coverage is less comprehensive and excludes certain conditions once you reach your loss limit.

There are two main types of non-life insurance:

  • Pet insurance coverage by condition pays a limited amount for each condition, and once the limit is reached, the condition is excluded from future payments.
  • Time limit per pet insurance coverage condition has both a limit per condition and a time limit, usually 12 months, before the condition is excluded.

With a time limit policy, even if your limit for a particular condition has not been reached, the condition would eventually be ruled out after 12 months.

Pet insurance only in case of accident

Accident-only pet insurance provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. This is the cheapest type of pet insurance policy, but excludes sickness coverage entirely.

Get the best money-saving tips from Which?

Subscribe to Who? Money Weekly newsletter to get our latest news, tips and offers straight to your inbox.

Comments are closed.