Pet insurance

Introduction to pet insurance

Pet insurance gives pet owners financial assistance in covering veterinary bills and other pet-related expenses. In a country like the UK—where an estimated 52% of adults own a pet—ensuring your pet’s health can be a major responsibility. You want your pet to receive the best possible care, whether it’s an unexpected accident, a chronic illness, or regular check-ups. Pet insurance can help you confidently prepare for these medical costs.

Pet insurance is designed to offer peace of mind in circumstances that can otherwise be highly stressful, both emotionally and financially. Many owners are unfamiliar with the different types of coverage available, and some may not realise how valuable a tailored policy can be, especially when managing sudden veterinary fees. The aim of this guide is to provide clear, expert knowledge on how to navigate the complexities of pet insurance in the UK—from different policy types and pricing factors, right through to how to pick the right insurance for your pet’s unique needs.

What you will learn in this section

• Why pet insurance is considered an essential safety net for UK pet owners

• The role of veterinarians, insurers, and regulatory bodies in ensuring pets’ welfare

• How to begin your research and understand the fundamental benefits of having coverage

By the end of this section, you should feel confident in the core principles of pet insurance and be ready to explore more detailed topics, such as policy types and claiming processes. Ultimately, it’s about making the best decision for your furry (or scaly, or feathered) family member.

While some of these costs, like food and grooming, are predictable, vet bills can catch owners off guard. Even a routine check-up can exceed £50, with advanced treatments reaching the hundreds—or even thousands—of pounds. Pet insurance exists to spread these costs out, making it less financially burdensome to care for your pet in emergencies or during long-term treatment plans.

Key considerations

• Responsibility: Owning a pet is a long-term commitment, and securing insurance can be part of that responsible ownership.

• Variation in policies: Different animals and breeds carry unique health risks, and policies are tailored accordingly.

• Financial planning: Understanding how premiums, excesses, and policy terms work is crucial for effective budgeting.

Some pet owners weigh the pros and cons of “self-insuring” by putting money aside each month. However, this approach carries risk if your pet needs expensive care early on, before a significant fund is built up. Pet insurance can offer immediate coverage once a policy is in place—subject to waiting periods, which we’ll discuss later in the guide.

Typical out-of-pocket costs vs. insured costs

The table above illustrates the contrast between paying for veterinary care out-of-pocket and having coverage. Of course, actual coverage will depend on the policy details. In the UK, premiums can start from as low as £5 a month for certain pets and policy types, but comprehensive coverage could be significantly higher depending on breed, age, and medical history.

In the sections that follow, we will break down why insurance matters, how to spot exclusions, and what to look out for in policy terms and conditions. By the end, you’ll be able to make an informed choice that balances financial security with your pet’s wellbeing.

Why pet insurance matters

Ensuring your pet is covered by a suitable insurance policy can provide significant financial relief when unexpected health issues arise. Veterinary treatments in the UK can be expensive, particularly specialist consultations, surgeries, and long-term treatments. Many pet owners underestimate the cost of complex procedures or emergency interventions. A robust insurance plan can prevent you from having to make heart-breaking choices based on cost rather than care.

Increasing veterinary costs

Veterinary medicine in the UK has advanced rapidly in recent years. Modern diagnostic tools such as MRI scans, CT scans, and specialist surgical procedures are more widely available, but they come at a cost. The fees for advanced diagnostics alone can run into the high hundreds of pounds. This trend—while beneficial for improving pet healthcare—has resulted in rising vet bills across the board.

While £2 million a day illustrates how frequently owners rely on insurance, it also signals the growing scope of veterinary care. With new technologies and treatments being adopted, the cost of comprehensive care can only be expected to rise. Without pet insurance, many owners could be left in a difficult position when faced with the question of how much they can afford to pay for a life-saving operation.

Emotional reassurance

When a beloved pet falls ill or suffers an injury, the emotional toll on owners can be considerable. Pet insurance matters because it alleviates the financial anxiety that accompanies an already stressful situation. Knowing that a significant portion of costs will be covered (minus any applicable excess) provides emotional reassurance. You can focus on your pet’s recovery and wellbeing rather than the worry of large and unexpected bills.

Benefits that underscore importance

• Emergency cover: Offers peace of mind for accidents, emergencies, and sudden health issues

• Chronic condition support: Some policies provide ongoing coverage for chronic conditions such as diabetes, heart disease, or arthritis

• Third-party liability: For dog owners, certain insurance policies include liability cover if your dog injures someone or damages property

• Boarding fees: In instances where you may be hospitalised and unable to look after your pet, some policies can contribute to boarding or kennel fees

Common misconceptions

One misconception is that pet insurance only matters for older or more accident-prone animals. In reality, younger pets can also suffer unexpected ailments or accidents. Additionally, breed-specific conditions can arise regardless of age, making the timing of insurance critical. Another misunderstanding is that pet insurance is always expensive. Many insurers offer varying levels of cover, with some basic policies at an affordable price, especially if taken out when the pet is young and healthy.

Typical reasons pet owners claim insurance

The presence of comprehensive coverage means owners can avoid the worst-case scenario of having to decline life-saving treatment. As we’ll explore in more depth later, the scope of cover you choose—lifetime, per condition, or accident-only—will greatly influence your peace of mind.

Types of pet insurance policies

Choosing the right pet insurance begins with understanding the different policy types available in the UK. Each type varies in how it covers medical conditions, the level of reimbursements, and how renewals are handled. Picking a policy without fully understanding its scope and limitations can lead to unexpected costs later.

Lifetime cover policies

Lifetime cover is often considered the most comprehensive form of pet insurance. The policy typically provides a set amount of cover for vet fees each year, which is renewed annually. This type is especially beneficial for pets prone to long-term conditions such as arthritis or diabetes, because once renewed, the policy will often continue to cover the illness in subsequent years (subject to terms).

• Advantages: Provides ongoing financial support for chronic conditions; offers a higher level of financial protection.

• Disadvantages: Premiums can be more expensive than other policy types; renewal costs may increase over time.

Per condition (time-limited) cover

Per condition or time-limited policies offer coverage for specific conditions up to a set monetary limit or for a certain timeframe (often 12 months). Once you hit that limit or timeframe, the condition will no longer be covered, even if you renew the policy.

• Advantages: Lower premiums initially; useful for unexpected, short-term issues.

• Disadvantages: Chronic or recurring conditions can quickly become very costly if the condition extends beyond the limit; once the limit is reached, you have to cover additional costs yourself.

Maximum benefit policies

Maximum benefit (or per condition with no time limit) provides a fixed amount of money to cover each condition. Unlike time-limited policies, there’s no 12-month window on the coverage. However, once the financial cap for that condition is reached, the policy won’t pay out further claims for that specific illness or injury.

• Advantages: Flexibility in covering conditions without a time restriction; good if your pet suffers sporadic flare-ups or occasional accidents.

• Disadvantages: If your pet develops a chronic condition requiring ongoing treatment, you may quickly use up the condition’s limit.

Accident-only cover

As the name suggests, accident-only policies cover injuries related to accidents. These typically exclude illnesses and might offer a relatively low amount of coverage compared to other policy types. However, the premiums tend to be cheaper.

• Advantages: Budget-friendly option; covers accidents which can be sudden and expensive.

• Disadvantages: No coverage for illnesses; any non-accidental treatments or conditions (e.g., cancer, infections) are fully out-of-pocket.

Key differences at a glance

Choosing the right policy type depends on multiple factors, including your pet’s breed, age, typical health risks, and your financial situation. If you have a breed known for hereditary issues, investing in a lifetime policy might be the best option. On the other hand, if you’re primarily concerned about emergencies, an accident-only cover might suffice—although it won’t protect you against costs arising from illness. Evaluating these policy types helps pave the way for selecting insurance that best fits your needs and offers peace of mind.

How pet insurance works in the UK

Pet insurance in the UK follows a relatively standard process, but differences in policy terms, provider practices, and regulatory frameworks mean there are nuances worth understanding. From the moment you apply to making a claim, each step can influence your overall experience with your insurer.

Applying for cover

When you apply for pet insurance, you’ll need to provide the insurer with key details about your pet:

• Age, breed, and gender

• General health and any existing medical conditions

• Microchip or identifying information (often requested)

• Lifestyle factors (e.g., your pet’s level of activity)

These details help insurers determine your premium and whether any exclusions may apply from the outset. Many insurers will request your pet’s medical history from your vet, especially if there’s any indication of pre-existing conditions. Some policies have an age limit for new customers—commonly around eight years for dogs, and 10 years for cats, although this varies by provider.

Premiums, excess, and co-pay

Your premium is the regular payment—usually monthly or annually—you make to keep your pet insurance active. Premiums vary based on your pet’s breed, location, age, and the type of policy you choose. You’ll also encounter:

• Excess: A fixed amount you pay towards each claim before the insurer covers the remaining cost.

• Co-pay: A percentage of the total claim you may need to pay once your pet reaches a certain age (e.g., 10% or 20%).

Insurers might require higher premiums or a compulsory co-pay for older pets. Understanding these financial obligations ensures you don’t face surprises when making claims.

The claims process

Claims can typically be made online or via postal forms, depending on the insurer. In many cases:

1. Vet visit: Your pet receives treatment, and the vet’s office provides an invoice.

2. Claim submission: You or your vet submits the claim form, along with relevant receipts and medical records.

3. Assessment: The insurer reviews your claim to ensure it meets the policy’s terms.

4. Payout: The insurer pays either you or the vet (if they have a direct billing agreement) for covered costs after subtracting excess or co-pay.

Regulatory environment

The Financial Conduct Authority (FCA) oversees pet insurance providers in the UK, ensuring transparency and fairness in marketing and claims handling. This regulatory framework helps protect consumers from unethical practices, though it’s still wise to scrutinise each policy carefully. If you ever have a dispute or feel that your insurer isn’t handling your claim properly, organisations like the Financial Ombudsman Service can help resolve disputes.

Key aspects of the UK regulatory environment

• Clear and fair terms: Insurers must provide documentation that is concise and transparent.

• Complaints procedure: You have the right to file a complaint if you believe the insurer has mishandled your claim.

• Industry standards: Insurers often adhere to guidelines set by professional bodies like the Association of British Insurers (ABI).

Typical timeline of a claim

The above timelines can vary based on the complexity of the claim, insurer efficiency, and how promptly you provide the necessary documentation. Some insurers offer faster processing for simpler claims, while others might take longer, particularly for high-value or ongoing treatment claims.

Understanding how pet insurance works in the UK— from application to claims resolution—will set you on the right path. Knowing the basics helps you spot any red flags early and ensures that the policy you choose delivers the coverage you expect when your pet needs it most.

What pet insurance typically covers

Pet insurance in the UK generally centres on vet fees, which can include diagnostics, treatments, and medication. However, policies also frequently include a range of additional benefits and endorsements that many owners may not initially realise are part of the package. By understanding what’s commonly covered, you can better assess a policy’s value and relevance to your pet’s specific health needs.

Veterinary fees

At its core, pet insurance is designed to help with the cost of veterinary care. This usually covers:

• Consultations and examinations: The initial vet fee to diagnose or assess the problem.

• Diagnostic tests: Blood tests, x-rays, ultrasound, MRI, or CT scans.

• Surgery: Whether it’s a straightforward spay/neuter (often not covered under some policies, so check carefully) or a more complex orthopaedic procedure.

• Medication: Antibiotics, pain relief, or long-term prescription drugs.

• Hospitalisation: Overnight or extended stays at the vet if necessary.

Complementary and alternative therapies

Some insurers extend cover to complementary and alternative therapies, such as acupuncture, hydrotherapy, or physiotherapy. These treatments can be especially helpful in post-operative recovery or for chronic conditions like arthritis. Typically, a vet referral or recommendation is required to validate claims for these treatments.

Third-party liability cover

Many dog insurance policies include third-party liability cover. This feature is crucial in cases where your dog injures another person or animal or damages property. Without it, you could be personally liable for compensation or legal fees.

Key elements of third-party liability cover

• Legal expenses: If a case goes to court, your policy may cover solicitors’ fees.

• Compensation claims: Should another party seek compensation, the policy will handle payouts up to an agreed limit.

• Exclusions: Dogs listed under the Dangerous Dogs Act (1991) are often excluded from standard liability cover.

Lost or stolen pet cover

Some policies offer financial assistance for advertising and rewards if your pet goes missing or is stolen. While not universally included, this is a valuable benefit if you worry about losing a pet, particularly in high-theft-risk areas.

Holiday cancellation cover

You may find holiday cancellation as an optional or included benefit. If you’re forced to cancel or cut short a holiday because your pet falls ill or needs urgent surgery, the policy could cover non-refundable travel or accommodation costs.

Death benefit or bereavement cover

Though it’s a difficult subject, certain policies provide compensation if your pet dies because of an accident or illness within a specified age limit. Some also offer euthanasia and cremation costs to help grieving owners manage these final expenses.

Other potential inclusions

• Kennel or cattery fees: If you’re hospitalised for an extended period and can’t care for your pet.

• Overseas travel cover: Extends cover if you travel abroad with your pet under the Pet Travel Scheme.

Common coverage components at a glance

When evaluating pet insurance, pay attention to policy limits, waiting periods, and excess amounts associated with each coverage component. Not all insurers provide the same level of coverage, so you may need to prioritise which features are most important for your situation. In the next section, we will address some of the common exclusions and limitations to keep in mind when comparing policies.

Common exclusions and limitations

Even the most comprehensive pet insurance plan comes with certain limitations and exclusions. These are aspects that insurers either won’t cover at all or will cover only under specific conditions. Understanding these potential pitfalls helps you avoid unpleasant surprises when you come to make a claim.

Pre-existing conditions

One of the biggest exclusions across pet insurance policies is pre-existing conditions—a medical issue or symptom that existed before the policy started. If your pet has been treated for or shown signs of a condition in the past, most insurers won’t cover any related costs going forward, unless you find a specialist policy that states otherwise.

Examples of pre-existing conditions

• Persistent skin allergies

• Chronic joint problems such as hip dysplasia

• Recurrent ear infections

• Diagnosed illnesses like diabetes or renal disease

Some insurers may consider a condition “resolved” if your pet hasn’t shown symptoms or required treatment for a set period (often 24 months). However, these are specific cases and will depend on the insurer’s criteria.

Certain breeds and hereditary conditions

Certain breeds, particularly those prone to hereditary issues, may face higher premiums or restrictions in cover. Insurers sometimes impose hereditary or congenital condition exclusions. For example, breeds known for respiratory problems (like pugs or bulldogs) may find that any surgery linked to their predisposed conditions is excluded or only partly covered.

Routine and preventive treatments

Routine care—such as vaccinations, flea and worm treatments, and grooming—is generally considered the owner’s responsibility. Most policies exclude these day-to-day health costs. Similarly, neutering and spaying are often not covered unless medically necessary.

Age restrictions

Many insurers have upper age limits for new policies, often around eight years for dogs and 10 years for cats, though it varies. If your pet is older, you may be restricted to certain policy types or face higher premiums. Kittens and puppies often have minimum age limits—commonly eight weeks—before you can start a policy.

Waiting periods

Most policies include a waiting period (often 14 days for illnesses and a shorter period for accidents). If your pet shows symptoms or requires treatment during this waiting period, the insurer won’t cover those costs. The waiting period is designed to prevent owners from taking out insurance only after a problem arises.

Other common exclusions

• Pregnancy and breeding: Costs related to pregnancy, whelping, or complications from breeding are rarely covered.

• Elective procedures: Cosmetic or elective treatments—like tail docking or ear cropping—are not covered.

• Behavioural treatments: Unless deemed medically necessary, insurers often exclude purely behavioural therapy.

• Illegal activities: Any injury or illness arising from organised fights or criminal activities is excluded.

Examples of exclusions by category

It’s essential to read a policy’s terms and conditions thoroughly. This ensures you understand exactly what is and isn’t covered. While exclusions can be frustrating, they’re a standard part of how insurers manage risk. Armed with this knowledge, you can make informed decisions that balance your pet’s needs with your budget.

Factors affecting policy cost

Several variables influence the cost of a pet insurance policy in the UK. Insurers weigh factors like your pet’s breed, age, and medical history, as well as your postcode and the policy type you choose. Being aware of these cost drivers can help you tailor your choices to find the most cost-effective coverage.

Breed

Your pet’s breed is one of the most significant factors affecting insurance premiums. Certain dog and cat breeds are more susceptible to hereditary health conditions, leading to higher claims. For instance, larger dog breeds may be prone to hip dysplasia, while flat-faced breeds can suffer from respiratory issues. Insurers factor in the likelihood and cost of breed-specific conditions when setting premiums.

Age

The older a pet, the greater the risk of chronic illnesses or joint problems, and thus the higher the premium. Some insurers introduce co-pay clauses (e.g., you pay 10%–20% of any claim) once your pet reaches a certain age. This keeps the monthly or annual premium slightly lower but shifts more out-of-pocket costs to you when a claim occurs.

Location

Vet fees can vary by region in the UK. For example, urban areas like London often have higher veterinary costs than rural regions. Insurers use postcode-based pricing to account for these variations. If you live in an area with a higher average claim cost, expect premiums to be higher.

Policy type and coverage level

The type of policy—lifetime, maximum benefit, time-limited, or accident-only—has a direct impact on cost. Lifetime policies generally come with a higher price tag because they cover chronic or recurring illnesses over the pet’s lifetime. Accident-only policies are usually cheaper but offer minimal coverage.

Additional coverage options

Add-ons like third-party liability (for dogs), holiday cancellation, or overseas travel can all push premiums higher. Some insurers also offer “premium” or “platinum” packages bundling in extra features like complementary therapies or dental cover. While these can add value, they also increase the overall cost.

Policy excess and co-pay

Opting for a higher excess can lower your monthly or annual premium, but it means you’ll pay more when making a claim. Co-pay, typically introduced for older pets or more expensive claims, also shifts some cost to the owner. Striking the right balance between premium, excess, and co-pay can make a policy more affordable while still offering adequate cover.

Claims history

Some insurers look at whether you’ve previously claimed for your pet. Multiple claims in a short period may lead to increased premiums on renewal. If your pet has a history of serious or chronic illnesses, insurers often account for that risk in the renewal quote.

Typical premium influences

By understanding these cost factors, you’re better positioned to find a pet insurance policy that meets your needs and budget. Comparing quotes from multiple providers and adjusting variables like excess can make a substantial difference in your annual or monthly premium. Finding the sweet spot often means balancing a manageable premium with sufficient coverage to protect your pet adequately.

How to choose the right coverage

Selecting the right pet insurance coverage involves a thorough evaluation of your pet’s specific risks, your financial situation, and the policy features most relevant to you. While there isn’t a universal “best policy,” there are strategies you can employ to identify what works best for you and your pet.

Assess your pet’s risk profile

Start by examining your pet’s breed, age, and typical lifestyle. If your dog is a highly active breed prone to injuries or your cat frequently roams outdoors, the chances of accidents could be higher. Likewise, a breed predisposed to genetic conditions may benefit more from a lifetime cover policy.

Breed-specific considerations

• Larger breeds: Higher risk of joint and hip problems.

• Flat-faced breeds: Respiratory issues are more common.

• Purebreds: Often more prone to hereditary conditions.

Evaluate your financial situation

Premiums can range from under £10 per month for an accident-only policy on a young cat to £80 or more per month for a lifetime policy on an older, large-breed dog. Determine how much you can realistically afford on a monthly basis, while keeping in mind potential excess and co-pay fees.

Budgeting tips

• Set aside extra funds for routine care (vaccinations, worming, etc.), as these aren’t typically covered.

• Weigh the cost of higher premiums vs. lower excess. A lower excess means less to pay out-of-pocket for a claim, but monthly premiums may be higher.

Investigate policy features

Take note of specific inclusions like third-party liability, complementary therapies, or overseas travel coverage. If you frequently holiday with your dog, a policy that includes travel cover could be invaluable. If you worry about chronic conditions, ensure that your chosen policy provides ongoing coverage.

Seek clarity on exclusions

Carefully review exclusions to ensure no surprises. If you already know your pet has a pre-existing condition, confirm with the provider whether it’s covered or partially covered. If it isn’t, be prepared for those costs to remain out-of-pocket.

Compare multiple quotes

Gather at least three or four quotes from reputable insurers. Look beyond just the premium cost and check:

1. Coverage limits for each claim type or condition.

2. Excess and co-pay specifics.

3. Customer reviews or ratings for claims handling speed.

4. Policy renewal practices—some insurers increase premiums significantly after claims.

Shortlist and decide

After comparing quotes and reading through policy details, create a shortlist of two or three insurers. You can contact them directly for clarifications. Some insurers offer discounts if you insure more than one pet or if you bundle another insurance product with them.

Decision-making checklist

Choosing the right coverage isn’t just about buying the cheapest policy; it’s about ensuring you can provide the best possible care for your pet if an emergency or chronic issue arises. With the right steps and due diligence, you can confidently secure a policy that meets both your pet’s health requirements and your budgetary needs.

Understanding policy terms and conditions

Policy documents can be overwhelming, filled with legal jargon and insurance-specific terminology. However, understanding these terms and conditions is crucial to making sure you’re fully aware of what your insurance covers—and what it does not.

Policy schedule and summary

The policy schedule is the first point of reference in your insurance documentation. It outlines key details such as:

• Effective dates (start and end of coverage)

• Pet details (breed, name, microchip)

• Policy type (e.g., lifetime, time-limited)

• Excess amounts (and co-pay if applicable)

Accompanying it, you might receive a policy summary or Key Facts document, which condenses the main features of your coverage into a simpler format.

Detailed exclusions section

While the summary highlights broad coverage aspects, the actual policy document delves into detailed exclusions. This section typically clarifies scenarios where insurers won’t pay out:

• Pre-existing conditions

• Illnesses arising within the waiting period

• Specific breed or hereditary conditions

• Unauthorised treatments (e.g., without vet referral)

How to read the exclusions

Take special note of any italicised or bolded references that define terms. Some policies use specific language to clarify the extent of exclusion. For instance, “injury” might be defined in a particular way that affects whether or not something is covered.

Claims process guidance

The terms and conditions will usually include a section on how to make a claim. This outlines:

• Required documentation (e.g., vet records, receipts)

• The timeframe for submission (often within 60 days of treatment)

• Whom to contact if you or your vet have questions

Pay attention to the mention of direct billing. Some insurers can settle the bill directly with the vet, while others require you to pay first and then seek reimbursement.

Renewal clauses

The document also explains how renewals work. For lifetime policies, coverage extends each year, and the financial limit for vet fees resets annually. However, maximum benefit or time-limited policies have different renewal mechanisms, particularly around ongoing conditions. Always check if your premium can increase after making a claim, a practice some insurers adopt.

Policy wording for multiple pets

If you insure multiple pets under one policy or one insurer, each pet typically has a separate set of coverage limits. However, some insurers bundle them together in a single contract. In such cases, confirm if claims for one pet affect premiums for the other.

Important policy terms to understand

Reading the fine print is more than just a cliché—it’s an essential step. If any wording is unclear, call the insurer for clarification. Knowing the terms and conditions intimately means there will be fewer surprises if you ever need to file a claim. Ultimately, the time you invest in understanding the policy wording is an investment in your pet’s future wellbeing.

Comparing providers and quotes

In the UK, the pet insurance market is robust, with numerous providers—ranging from well-known insurance companies to specialist pet insurers. Comparing providers involves more than just looking at premiums; you should review policy details, customer service reputation, claims handling efficiency, and additional perks.

Start with a short list

Begin by identifying a handful of insurers known for competitive rates and strong customer feedback. Price-comparison websites can be helpful for initial filtering. Make sure you’re entering consistent details about your pet, including breed, age, and any medical history, so you can compare like for like.

Points to note on comparison websites

• Some insurers don’t feature on comparison sites, focusing instead on direct sales.

• The cheapest premium on a comparison site might not offer the most comprehensive coverage.

Scrutinise coverage limits

Policies with a lower premium may also come with restrictive coverage caps. For example, one insurer might offer a £2,000 vet fee limit per condition, while another offers £6,000. Evaluate these limits carefully, especially if your pet’s breed is prone to costly medical conditions.

Claims ratio and customer satisfaction

The claims ratio indicates the proportion of claims paid out by an insurer compared to the premiums received. While this figure isn’t always publicly disclosed, you can get an idea of an insurer’s reliability through:

• Customer reviews on independent websites.

• Consumer reports from organisations like Which? or Defaqto ratings.

• Social media or community forums dedicated to pet owners.

Additional policy features

• 24/7 vet helpline: Some insurers include telephonic vet consultations, saving on minor consult fees.

• Multi-pet discount: If you have several pets, look for insurers offering a percentage discount for each additional pet.

• Online portal: A user-friendly platform for claims submission can speed up the process.

Direct communication

If you’re uncertain about any policy detail, contact the insurer directly. Ask about:

• Waiting periods and exclusions

• How renewal premiums might change

• Whether they pay vets directly

• Additional fees (administration, cancellation)

Comparison checklist

By compiling this information in a structured format—through spreadsheets, bullet points, or other organisational tools—you can make an informed decision. This approach ensures you’re not swayed by premium costs alone. In the next sections, we’ll explore the claims process in more detail, offering tips on ensuring a smooth experience, and discuss what to do if a claim is rejected.

Tips for making a successful claim

Making an insurance claim for your pet’s medical expenses can feel intimidating, particularly during an already stressful time when your pet is unwell. However, understanding the process and being prepared can greatly increase the likelihood of a smooth claim settlement.

Notify your insurer early

If your pet has been involved in an accident or diagnosed with a serious condition, inform your insurer as soon as possible. Early communication allows them to open a claim file and advise you on any specific documentation they might need.

Why timeliness matters

• Some policies have strict notification deadlines—failing to meet these could invalidate your claim.

• Early notice gives insurers time to communicate directly with your vet if necessary.

Gather all necessary documentation

Most insurers will ask for:

• Vet invoices and itemised receipts

• Medical records detailing the diagnosis and treatment

• A completed claim form, often requiring your vet’s signature

Make sure to keep all your paperwork organised. A small mistake or omission—such as forgetting the vet’s notes—can delay your payout or lead to a rejection.

Ensure pre-authorisation when possible

For planned procedures, such as an elective surgery or ongoing treatment for chronic conditions, some insurers offer pre-authorisation. By submitting a treatment plan and estimated costs beforehand, you can confirm that the procedure will be covered, giving you peace of mind when the bills arrive.

Clarify direct billing options

Certain vets will bill insurers directly, meaning you only pay the excess (and any co-pay portion) to the vet. This arrangement can help if you’re short on funds to pay the vet bill upfront. Check with your insurer and vet practice to see if this is possible.

Benefits of direct billing

• Reduces your out-of-pocket expenses.

• Speeds up the claims process since the vet communicates directly with the insurer.

• Lowers the administrative burden on you.

Maintain consistent communication

If your claim involves multiple treatments over an extended period, maintain regular contact with both your vet and insurer. Provide updates, additional invoices, and any test results as soon as they become available. This keeps everyone informed and reduces the risk of delays.

Check your excess and co-pay

Before you file the claim, remind yourself of the excess you’re required to pay. If your pet is older or if the policy stipulates a co-pay, factor in that percentage when calculating what you might receive back from the insurer.

Double-check final claim documents

Before submitting, review the claim form to ensure:

• All questions are fully answered.

• Dates and costs match the vet invoices.

• You’ve signed every required section, and your vet has signed where necessary.

Steps for a straightforward claim

Following these tips can significantly improve the outcome of your pet insurance claim. Next, we’ll look at the steps to take if your claim is rejected, including your rights to dispute a decision and escalate the issue.

What to do if your claim is rejected

Receiving a rejection notice from your pet insurer can be disheartening, particularly when you’re dealing with the stress of a poorly pet or hefty vet bills. However, a claim rejection isn’t always final. You have options, and understanding your rights can help you take the appropriate steps.

Review the rejection letter

The insurer’s rejection letter should explain the main reason for denying your claim, such as:

• The condition is pre-existing.

• It falls under an exclusion.

• It’s outside the time limit for a time-limited policy.

• Insufficient documentation was provided.

• The claim was submitted too late.

Make sure you carefully read the letter and highlight any areas where the explanation seems unclear or contradictory to your understanding of the policy.

Compare with your policy documents

Revisit your policy terms and conditions and compare what’s stated in the rejection letter. Look for any ambiguous wording or phrases. Often, insurers rely on specific definitions of terms like “accident” or “chronic condition.” If you believe the insurer has misapplied these definitions, you may have grounds to appeal.

Gather additional evidence

If the rejection is due to perceived lack of documentation or clarity on the pet’s condition, consult with your vet to gather:

• Detailed medical notes clarifying the onset of symptoms.

• Referral letters or specialist reports if relevant.

• Diagnostic test results that confirm or rule out certain conditions.

A more comprehensive set of records can strengthen your case if the dispute centres on whether the issue was truly pre-existing or not.

Contact the insurer’s complaints department

Insurers operating in the UK are regulated by the Financial Conduct Authority (FCA) and must follow a formal complaints process. Write a concise letter or email to the complaints department, referencing:

1. The claim reference number.

2. Dates and details of the incident or treatment.

3. Reasons you believe the claim should be paid.

4. Any supporting documentation.

Keep records of all communications—letters, emails, and call logs—for reference.

Escalate to the Financial Ombudsman Service

If you’re not satisfied with the insurer’s final response or if they haven’t resolved your complaint within eight weeks, you can escalate the matter to the Financial Ombudsman Service (FOS). The FOS is an independent body that reviews disputes and can compel insurers to pay claims if they find evidence of unfair treatment.

Steps to handle a rejected claim

Above all, remain calm and methodical. Sometimes a rejection is the result of an administrative error or missing information, which can be resolved by supplying further documents. If the rejection stands, the complaints process provides a structured way to assert your rights. The key is persistence and thorough documentation. Next, we’ll explore how preventive care and wellness plans fit into the bigger picture of your pet’s healthcare.

Preventative care and wellness plans

Preventative care and wellness plans often go hand in hand with pet insurance, helping owners manage routine health expenses. While most standard insurance policies won’t cover everyday treatments, some insurers or veterinary practices offer wellness plans as an optional extra or standalone product. Understanding these programs can save you money and ensure your pet receives consistent, proactive healthcare.

What is preventative care?

Preventative care involves routine treatments, check-ups, and procedures that help maintain your pet’s overall health, such as:

• Vaccinations

• Flea and worm treatments

• Dental check-ups and cleanings

• Regular vet check-ups and boosters

The goal is to identify health issues early, potentially reducing the need for costly treatments down the road. Preventative care can also enhance your pet’s quality of life by managing or preventing discomfort from conditions like parasites or dental disease.

How do wellness plans differ from insurance?

A wellness plan typically covers routine care at a monthly or annual fee. This might be offered directly through your vet, providing a cost-effective way to spread out expenses for treatments and check-ups. Unlike pet insurance, which covers unexpected or high-cost incidents (accidents, surgeries, chronic illnesses), wellness plans focus on routine preventive measures.

Typical inclusions in a wellness plan

• Annual vaccinations

• Flea, tick, and worm treatments

• Seasonal check-ups

• Dental check-up discounts

• Nutritional advice

These services can be cost-intensive when paid for individually, especially if you have multiple pets. By paying a small monthly fee, you may save money over time.

Combining wellness and insurance

While preventative care plans don’t replace pet insurance, they can complement it. The wellness plan handles routine expenses, and your insurance covers accidents and illnesses that fall outside routine maintenance. Some insurance providers bundle these services together or offer discounted rates if you subscribe to both.

Benefits of proactive healthcare

• Early detection of health issues, potentially reducing treatment costs.

• Better tracking of your pet’s weight, nutritional needs, and dental health.

• Strengthened relationship with your vet, fostering trust and continuity of care.

Pet insurance vs. wellness plan at a glance

If you’re already paying for a comprehensive pet insurance policy, consider whether adding a wellness plan makes sense for your budget. Balancing both can provide well-rounded coverage for virtually every health scenario your pet faces. Still, always read the fine print to ensure you’re not duplicating cover or paying for services you won’t use.

Conclusion

Pet insurance provides an essential safety net for UK pet owners, helping manage the rising costs of veterinary care and offering peace of mind in the event of unexpected illnesses or accidents. Throughout this guide, we’ve explored the variety of policy types—ranging from lifetime cover to accident-only—and seen how each aligns with different needs and budgets. We’ve also covered the claim process, including what to do if a claim is rejected, and examined how preventative care and wellness plans can work alongside insurance.

A final thought on value vs. cost

Choosing the right policy often means balancing the monthly premium against the breadth and depth of coverage. While it can be tempting to opt for cheaper premiums initially, insufficient coverage can leave you facing hefty vet bills in the future. Always weigh the immediate cost against the potential long-term benefit. A slightly higher premium could end up saving you thousands in unexpected expenses, particularly if your pet develops a chronic condition.

Next steps

As you move forward:

1. Reflect on your pet’s breed, age, lifestyle, and any known health risks.

2. Compare multiple quotes, focusing on coverage limits and policy terms.

3. Make use of any expert advice or resources available to clarify policy specifics.

4. Consider pairing a wellness plan with insurance for a holistic approach to your pet’s health.

By taking a methodical approach and doing thorough research, you can secure coverage that fits both your budget and your pet’s needs. Ultimately, being prepared helps ensure you can provide the best possible care for your companion, free from the worry of insurmountable vet bills.

Frequently asked questions

Understanding basics

What is the main purpose of pet insurance?

Pet insurance helps owners manage the cost of vet fees if their pet suffers an accident or falls ill. By paying a regular premium, you’re essentially safeguarding against unexpectedly high bills that could otherwise make quality treatment unaffordable.

Does every pet need insurance?

While not legally required, pet insurance can offer significant peace of mind. Unexpected vet costs can be very high, so having cover reduces the financial risk and helps ensure your pet gets timely, appropriate medical attention.

Are there different categories of pet insurance?

Yes. Common types include accident-only, time-limited, maximum benefit, and lifetime cover. Each option has varying levels of protection and claim limits, so it’s important to compare them based on your pet’s breed and age.

How soon does coverage start?

Most insurers implement a short waiting period, often around 14 days for illnesses and a shorter timeframe for accidents. During this period, claims related to newly diagnosed conditions are not typically covered.

Policy terms and coverage

What does ‘excess’ mean in pet insurance?

The excess is the fixed amount you pay towards each claim before the insurer covers the remainder. Choosing a higher excess can lower your monthly premium but may increase your out-of-pocket expenses when making a claim.

Why do some policies have a co-pay?

A co-pay is a percentage of the claim amount you must pay once any excess is met. It’s often applied to older pets or certain breeds. This mechanism helps insurers manage risk and can help keep premiums more affordable.

Do policies cover routine check-ups?

Most standard policies do not cover routine procedures like vaccinations, flea treatment, or worming. However, some insurers or vet practices offer wellness plans to help with these predictable, preventive costs.

What if I travel abroad with my pet?

You’ll need a policy that includes overseas travel cover or an add-on specifically for international vet fees. This type of cover often requires your pet to be microchipped and to comply with the requirements of the UK Pet Travel Scheme.

Claims process

How do I file a claim?

Each insurer will have its own process, but generally you’ll complete a claim form and submit vet invoices or receipts. Many insurers now offer online claim portals, making it easier and faster to provide the required documents.

Can the vet be paid directly by the insurer?

Yes, some vets have arrangements to claim directly from insurance providers. This means you only pay your excess (and any co-pay) upfront. Check if your vet offers direct billing and confirm the process with your insurer.

How long does it take for a claim to be processed?

Timelines vary by insurer and the complexity of the claim. Straightforward claims for minor treatments can be resolved within a couple of weeks, while more complex or high-cost claims might take several weeks longer.

What happens if my claim is rejected?

The insurer should provide a clear explanation. If you believe the decision is incorrect, you can appeal and supply additional evidence such as vet notes or diagnostic test results. If the issue remains unresolved, you have the option to escalate it to the Financial Ombudsman Service for an impartial review.

Age and pre-existing conditions

Is there an upper age limit for insuring my pet?

Many insurers impose an age limit for new policies, often around eight years for dogs and 10 years for cats. Senior pet insurance is available, but the premiums may be higher and co-pays more likely.

Can I get cover for a pet with a pre-existing condition?

Most insurers do not cover conditions diagnosed or showing symptoms before your policy starts. Some providers will consider covering a pre-existing condition if your pet has been symptom-free for a set period, usually two years, but terms can vary significantly.

Do I need special cover for a puppy or kitten?

Puppies and kittens can typically be insured from eight weeks old. Premiums for younger pets are often lower, but you’ll need to check that they’ve had all their relevant vaccinations and health checks to avoid any claim complications.

What about hereditary or congenital conditions?

Certain breeds are more prone to hereditary or congenital issues—like hip dysplasia or heart problems. Many insurers will still provide coverage, but you may face higher premiums or specific exclusions, depending on the policy terms.

Costs and budgeting

Why do premiums increase each year?

Insurers usually raise premiums in line with rising veterinary costs, inflation, and your pet’s increasing age. You may also see a higher increase if you’ve made multiple claims in the previous year.

Is it cheaper to pay annually or monthly?

Some providers offer a small discount for paying the annual premium in one lump sum. However, monthly payments are more convenient for many pet owners. Review your insurer’s pricing structure to see which option offers better value for you.

What if I can’t afford insurance?

If a policy is too expensive, consider accident-only cover or a time-limited plan with a higher excess. You could also start a dedicated savings account for vet bills, though this may not be sufficient if a serious illness occurs early on.

Are there discounts for insuring multiple pets?

Many insurers provide a multi-pet discount if you cover more than one animal. This can make premiums more manageable, but check whether each pet’s coverage still meets individual needs, especially if they’re different ages or breeds.

Additional coverage aspects

Can I get insurance for exotic pets?

Some specialist insurers offer coverage for reptiles, birds, and small mammals. Availability and policy terms vary widely, so shop around for a provider experienced in insuring exotic species.

Do policies include dental cover?

Dental problems due to accidents or injuries are often covered, but routine dental care or issues arising from neglect (like poor oral hygiene) are typically excluded. Read your policy carefully if dental cover is a priority for you.

Does pet insurance cover euthanasia or cremation?

Certain comprehensive policies may contribute towards euthanasia or cremation costs if they’re a result of a covered condition or accident. However, not all do, so it’s essential to confirm these details with your insurer.

Is there a cooling-off period after I buy a policy?

Yes, there’s usually a window (often 14 days) during which you can cancel the policy and receive a refund, provided you haven’t made a claim. This period is mandated by UK financial regulations and gives you time to reconsider if the policy doesn’t meet your needs.

Insurance providers and switching

Can I switch my insurer at any time?

You can switch providers whenever you want, but any existing or previously claimed conditions might not be covered by the new insurer. It’s best to compare what you’d gain or lose carefully before making a change.

Does switching affect ongoing claims?

Yes, ongoing claims usually remain with your existing insurer until those conditions are resolved or until the claim limit is reached. A new policy may not take over covering that particular condition, so weigh the implications before switching.

Are there any penalties for cancelling my policy early?

Most insurers allow you to cancel anytime, but you may not be entitled to a full refund of paid premiums. If you’ve made a claim during the policy year, the insurer may also request repayment of any outstanding premium balance.

How do I know if an insurer is reputable?

Look for providers regulated by the Financial Conduct Authority (FCA) and check independent customer reviews or ratings. Additionally, organisations like the Association of British Insurers (ABI) maintain standards and guidelines for member insurers.

Still have questions?

Sometimes, no matter how thoroughly a guide covers a topic, there may be specific or unique concerns you have about your pet’s health or insurance options. If you still have unanswered questions about UK pet insurance—whether it’s about policy specifics, your pet’s breed risks, or the best way to combine a wellness plan—speaking with an expert can offer the clarity you need. An expert can provide personalised advice for your situation, ensuring you have all the support necessary to make the best decisions for your furry friend.

Glossary

Accident-only policy

This type of pet insurance provides cover exclusively for accidental injuries, such as a fracture or swallowing a foreign object. It does not cover illnesses or long-term conditions, making it typically cheaper but also more limited than other policy types.

Accidental damage

In some pet insurance policies, accidental damage refers to cover if your pet inadvertently causes damage to another person’s property, such as chewing furniture or knocking over valuables. The extent and terms of this cover can vary between providers and may include a cap on claims.

Additional premium

An additional premium is any extra amount you pay on top of your standard premium, usually because you’ve chosen optional policy add-ons or because your pet has specific risk factors, like a pre-existing condition declared resolved.

Administration fees

These are charges levied by an insurer for handling tasks such as policy alterations, mid-term upgrades, or cancellations. They can also apply if you’re late on payments and the insurer reinstates cover.

Age limit

Age limits can restrict how old your pet can be when you first take out a policy. Many insurers set upper age limits around eight years for dogs and 10 years for cats, although specialist providers may insure older animals.

Annual benefit limit

An annual benefit limit is the maximum amount your insurer will pay for all claims combined within a single policy year. Once reached, no further claims are paid until the policy renews.

Behavioural therapy

Some policies may contribute to costs for behavioural therapy if your pet has been referred by a qualified vet. Such cover usually has specific criteria, like a diagnosis of a condition that can be managed or improved through professional training or therapy sessions.

Boarding fees

Boarding fee cover can help pay for kennel or cattery costs if you are hospitalised and unable to care for your pet. Policies vary, so check the maximum payable and any conditions regarding the length of your hospital stay.

Breeding exclusion

Breeding-related costs, including pregnancy, whelping, or fertility treatments, are typically excluded from standard pet insurance. If you plan to breed your pet, you may need specialist cover that includes breeding or reproductive care.

Chronic condition

A chronic condition is an illness or ailment that persists over a long period and may need ongoing treatment or medication. Examples include diabetes, arthritis, and certain heart problems. How a policy deals with chronic conditions varies, especially under lifetime vs. time-limited cover.

Claim

A claim is a request you submit to your insurer to pay for costs incurred from your pet’s treatment or other covered events. Once assessed, the insurer may pay out partially or in full, minus any excess or co-pay.

Claim form

This is the documentation required by insurers to process a claim. It often needs to be filled in by both the owner and the vet, detailing the condition, treatment, and costs. Electronic claim forms are increasingly common for faster processing.

Co-pay

Co-pay is a percentage of the total vet bill that you agree to pay once your policy’s excess has been met. It’s often introduced for older pets or high-value claims, spreading risk between you and the insurer.

Coverage limit

A coverage limit is the maximum amount your insurer will pay for a particular condition, per year, or over the lifetime of the policy. Once exceeded, the insurer may stop paying out for that condition or for all claims, depending on the policy type.

Dangerous Dogs Act

This UK legislation restricts certain dog breeds and imposes rules on owners to ensure public safety. Some insurers may not provide liability cover for breeds listed under the Dangerous Dogs Act, so check your policy terms if your dog is affected.

Death benefit

Death benefit is a provision in some policies to compensate you if your pet dies due to an accident or illness within a specified age limit. This can help cover burial or cremation costs and relieve some financial stress during a difficult time.

Deductible

Another term for excess, the deductible is the set amount you must pay out-of-pocket on a claim. In UK policies, “excess” is more commonly used, but deductible may appear in some policy documents or when dealing with international providers.

Dental cover

Dental cover pays for vet treatment of your pet’s teeth and gums if they are damaged by accidents or certain illnesses. Not all policies include dental care, and many exclude routine dental maintenance or conditions arising from poor oral hygiene.

Direct billing

Direct billing refers to an arrangement between the vet and insurer where the insurer pays the vet directly. This setup means you only pay the excess (and any co-pay) at the time of treatment, without having to settle the vet bill yourself and claim later.

Excess

Excess is the initial fixed amount you pay towards each claim before your insurer covers the remaining costs. Policies may have separate excesses for certain treatments, and some impose a higher excess as your pet ages.

Exclusion

An exclusion is any condition or circumstance that your insurer will not cover. Common exclusions include pre-existing conditions, routine check-ups, or certain breed-related conditions.

Financial Conduct Authority (FCA)

The FCA is the regulatory body overseeing financial services in the UK, including pet insurers. They ensure that firms adhere to strict standards and treat customers fairly in their marketing, policy wording, and claims handling.

Financial Ombudsman Service

The Financial Ombudsman Service is an independent body that helps settle disputes between consumers and financial services, including pet insurers. If you’re unhappy with an insurer’s final decision, you can escalate your complaint to the Ombudsman.

Hereditary condition

A hereditary condition is a medical issue passed down through an animal’s genetics, such as hip dysplasia or certain heart defects. Insurers often assess breed risk and may have restrictions or premium increases for known hereditary conditions.

Incident limit

An incident limit is the maximum amount your insurer will pay for a single event or claim. This differs from a per-condition limit if the policy is structured to treat each “event” separately—such as a one-off accident requiring multiple treatments.

Lifetime cover

Lifetime cover is a policy type that provides a set level of cover each year for vet fees. When the policy renews, the full coverage amount refreshes, and your pet remains covered for ongoing or chronic illnesses year after year, as long as the policy is maintained.

Market value

Market value refers to the estimated monetary worth of your pet in insurance terms. Some policies use this when calculating pay-outs for death or theft, though this can be subjective and influenced by breed and pedigree.

Maximum benefit policy

A maximum benefit policy covers each specific condition up to a set financial limit, with no time limit. Once you reach that limit for a particular illness or injury, the insurer will no longer pay out for further treatment of the same condition.

Microchipping

Microchipping is the process of implanting a small identification chip under your pet’s skin. Some insurers require dogs or cats to be microchipped to be eligible for certain types of cover or to simplify theft or loss claims.

Multi-pet policy

A multi-pet policy allows you to insure more than one animal under the same provider. You often receive a discount for each additional pet, but each one may have its own terms, excess, and coverage limits.

Over 8's policy

Over 8’s policies target senior pets, typically dogs or cats older than eight. These often include higher premiums and may involve co-pay structures, reflecting the increased likelihood of health issues in older animals.

Per condition

A per condition approach sets a financial cap for each illness or injury. Once the cap is reached, no further claims for that particular condition are paid. Time-limited and maximum benefit policies can both adopt per-condition limits.

Policy documents

Policy documents include the formal contract, schedule, and any optional add-ons. They contain essential details on what is covered, any exclusions, and how to claim. It’s crucial to read these thoroughly before committing to a policy.

Policy schedule

A policy schedule summarises the key information of your pet insurance agreement, including policy start and end dates, the name and details of your pet, and the level of cover chosen. It may also list endorsements, add-ons, or special conditions.

Pre-existing condition

A pre-existing condition is any health issue that first showed symptoms or required treatment before the policy start date. Most insurers exclude these from cover, although some specialist policies provide limited options if your pet has a resolved condition.

Premium

A premium is the amount you pay—monthly or annually—to keep your pet insurance active. Premiums can vary greatly based on your pet’s breed, age, location, and the type of coverage you choose.

Preventive care

Preventive care focuses on routine treatments like vaccinations, flea control, and worming to keep your pet healthy. Though typically not covered by standard insurance, you can look into wellness plans or add-ons for help with these costs.

Renewal

Renewal is when you continue your policy for another term—commonly one year. It’s also the point at which insurers may adjust your premiums based on factors like your pet’s age, claims history, and changes in vet fee levels.

Third-party liability

Third-party liability cover helps protect you financially if your pet injures someone else or causes property damage. This cover is especially relevant for dog owners in the UK, where liability can be significant under certain circumstances.

Time-limited cover

Time-limited cover insures a specific condition for a set period (often 12 months) from when it first appears. After that period, no further claims for the same condition will be covered, even if you renew the policy.

Underwriter

An underwriter is the entity that assesses insurance applications and decides on the premium and terms based on the level of risk. Pet insurance policies often involve a partnership between the brand you buy from and an underwriting company that pays claims.

Veterinary fees

Veterinary fees are the costs charged by vets for consultations, treatments, medication, and surgeries. Pet insurance helps cover these expenses, subject to any excess, co-pay, or coverage limits set out in your policy.

Waiting period

The waiting period is the initial timeframe after the policy begins—commonly 14 days for illnesses—during which claims are not covered. This measure prevents people from taking out policies only after their pet has become sick.

Wellness plan

A wellness plan is a separate or optional scheme focusing on routine and preventive healthcare, such as vaccinations, dental check-ups, and parasite control. Unlike insurance, it doesn’t typically cover illnesses or accidents but can be a valuable complement to a pet insurance policy.

Useful organisations

Association of British Insurers (ABI)

The ABI represents the collective voice of the UK’s insurance industry, including providers of pet insurance. Through research and guidelines, they aim to ensure fair practices and clear communication between insurers and consumers.

• 020 7600 3333

• https://www.abi.org.uk

Financial Conduct Authority (FCA)

As the regulatory body for financial services in the UK, the FCA oversees insurance providers to ensure they meet strict standards. They also provide resources for consumers to understand their rights and protections under current regulations.

• 0800 111 6768

• https://www.fca.org.uk

Financial Ombudsman Service (FOS)

The FOS is an independent organisation that helps resolve disputes between consumers and financial service providers, including pet insurers. If you’re unhappy with a decision made by your insurer, the FOS can offer a fair and impartial review.

• 0800 023 4567

• https://www.financial-ombudsman.org.uk

PDSA

PDSA is a leading veterinary charity offering free or low-cost care for pets whose owners struggle financially. Their network of hospitals and clinics helps thousands of pets each year, and they also campaign for better general pet welfare across the UK.

• 0800 917 2509

• https://www.pdsa.org.uk

RSPCA

The Royal Society for the Prevention of Cruelty to Animals focuses on rescuing and rehabilitating animals in distress. In addition to offering advice on responsible pet ownership, they provide guidance on keeping pets healthy and how insurance can support their wellbeing.

• 0300 1234 999

• https://www.rspca.org.uk

All references

Association of British Insurers (2022) ‘£2 million paid out every day’. https://www.abi.org.uk

British Veterinary Dental Association (2019) ‘Dental care can extend canine life’. https://www.bvda.org.uk

Farmers Guardian (2020) ‘Working dog insurance essentials’. https://www.fginsight.com

Financial Ombudsman Service (2020) ‘Pet insurance disputes’. https://www.financial-ombudsman.org.uk

FCA Data Report (2023) ‘Claim rejections for pet insurance’. https://www.fca.org.uk

Money Advice Service (2021) ‘Average dog owner annual spending’. https://www.moneyhelper.org.uk

Money Saving Expert (2021) ‘Comparing pet insurance quotes’. https://www.moneysavingexpert.com

Pet Health Council (2021) ‘Routine treatments and pet insurance’. http://www.pethealthcouncil.co.uk

Pet Insurance Journal (2022) ‘Younger pets: insurance cost insights’. https://www.petinsurancejournal.co.uk

Pet Insurance UK (2022) ‘Trends in lifetime cover adoption’. https://www.petinsuranceuk.com

Veterinary Times (2022) ‘The evolving role of pet insurance’. https://www.vettimes.co.uk

Which? Money (2021) ‘Understanding policy exclusions’. https://www.which.co.uk