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Summary
 
UK Pet Dog Insurance Summary
As well as veterinary cover, most pet insurance can offer you peace of mind when it comes to things such as emergency boarding, advertising and reward costs for a lost or stolen pet, accidental death, holiday cancellation, liability cover, and more.

There are a wide variety of dog insurance policies on offer from a large selection of pet insurers. Deciding on the best pet insurance plan for your dog and your particular circumstances can be a daunting prospect. However, this UK Pet Insurance Summary aims to help by collating information on exactly what each insurance policy covers, the excesses, time limits or financial limits on claims, discounts offered, age limits, and other important benefits or restrictions.

Click here to view the full pdf version which contains more details than we have shown below and is also printable.
Printer friendly UK Pet Insurance Summary
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Provider Vet Fees, Excess, Cost Other Cover Purchase Price Refunds Holiday Cover Other
PDSA Pet Insurance
pdsa
1000
£1,000
Per condition
Ongoing Cover

Includes alternative medicine and hydrotherapy

Excess: £50

Monthly Cost
£9.34
£12.57*
3rd Party Liability £1m (£100 excess)   30 days overseas travel cover Age limit: No

Helplines: Find-a-vet, Bereavement, Pet Legal, Pet Minders

Supports pdsa
pdsa
2000

£2,000
Per condition
Ongoing Cover

Includes alternative medicine and hydrotherapy

Excess: £50

Monthly Cost
£12.53
£16.93*

3rd Party Liability £1m (£100 excess)

Accidental Damage £250 (£100 excess)

Emergency Boarding £650

Lost Reward/Ad £500

£500 death from accident

£500 death from illness (<9 yrs only)

£500 loss or theft
£1,000 holiday cancellation

12 months overseas travel cover
Age limit: No

Helplines: Find-a-vet, Bereavement, Pet Legal, Pet Minders

Supports pdsa
pdsa
5000

£5,000
Per condition
Ongoing Cover

Includes alternative medicine and hydrotherapy

Excess: £50

Monthly Cost
£16.24
£22.00*

3rd Party Liability £1m (£100 excess)

Accidental Damage £250 (£100 excess)

Emergency Boarding £650

Lost Reward/Ad £500
£500 death from accident

£500 death from illness (<9 yrs only)

£500 loss or theft
£1,000 holiday cancellation

12 months overseas travel cover
Age limit: No

Helplines: Find-a-vet, Bereavement, Pet Legal, Pet Minders

Supports pdsa
Argos Pet Insurance
Argos
Silver

£1,000
Per condition
12 months

Excess: £50

Monthly Cost
£7.12
£7.12*

3rd Party Liability £1m (£100 excess)

Emergency Boarding £150

Lost Reward/Ad £150

£150 death from accident

£150 death from illness (<9 yrs only)

£150 loss or theft
£100 holiday cancellation

30 days overseas travel cover
Age limit: No

5% discount when you buy online

Helplines: Bereavement, Pet Legal, Pet Minders, Veterinary
Argos
Gold

£2,500
Per condition
12 months

Excess: £50

Monthly Cost
£9.97
£9.97*

3rd Party Liability £1m (£100 excess)

Accidental Damage £500 (£100 excess)

Emergency Boarding £500

Lost Reward/Ad £500

£400 death from accident

£400 death from illness (<9 yrs only)

£500 loss or theft
£1,000 holiday cancellation

Unlimited overseas travel cover
Age limit: No

5% discount when you buy online

Helplines: Bereavement, Pet Legal, Pet Minders, Veterinary
Argos
Platinum

£5,000
Per condition
12 months

Excess: £50

Monthly Cost
£12.82
£12.82*

3rd Party Liability £1m (£100 excess)

Accidental Damage £500 (£100 excess)

Emergency Boarding £1,000

Lost Reward/Ad £1,000

£1,000 death from accident

£1,000 death from illness (<9 yrs only)

£1,000 loss or theft
£1,500 holiday cancellation

Unlimited overseas travel cover

£1,000 quarantine

£1,000 emergency expenses abroad

£250 loss of healthcare certificate

£1,000 repeat tick & worming
Age limit: No

5% discount when you buy online

Helplines: Bereavement, Pet Legal, Pet Minders, Veterinary
Sainsbury's Bank Pet Insurance
Sainsbury's Bank

£6,500
Per condition
Ongoing Cover

Includes £1,000 complementary treatments,
£200 clinical diet, £250 behavioural, £100 cremation, £150 transport / overnight costs

Excess: <9 yrs you pay first £50 if the claim is <£1,000 or first £75 if claim is >£1,000

>9 yrs you pay the greater of £50 or 15%

Monthly Cost
£12.49
£17.16*

3rd Party Liability £2m (£250 excess)

Accidental Damage £500 (no excess)

Emergency Boarding £100 per week (capped at £1,000)

Lost Adverts £1,000

Lost Reward £250

£1,500 death from accident

£1,000 death from illness (<9 yrs only)

£750 loss or theft
£3,000 holiday cancellation

£2,000 quarantine

£500 emergency expenses abroad

£250 loss of healthcare certificate

Repeat tick & worming
Age limit: No

5% discount when you buy online

5% discount for additional pets

£5,000 personal accident to owner

£100 damage to kennel or basket
Marks and Spencer Pet Insurance
Marks and Spencer

£7,000
Per year
Ongoing Cover

Includes £750 complementary treatments,
£250 behaviourist, £100 cremation/burial, £200 dietary foods

Excess: depends on postcode e.g.

<8 yrs = £60
8+ = £60+15%

Option to pay additional excess (or no excess for 0-4 yr old pet)

Annual Cost
£ 121.76
£ 157.47*

3rd Party Liability £2m (£250 excess)

Accidental Damage £750 (no excess)

Emergency Boarding £750

Lost Adverts £1,000

Lost Reward £500

£1,500 death from accident

£1,000 death from illness

£1,500 loss or theft
£2,500 holiday cancellation

£1,500 quarantine

£300 emergency expenses abroad

£250 loss of healthcare certificate

Repeat tick & worming
Age limit: No

Helplines:
Find-a-vet, Pet Friendly Hotels, Bereavement, Pet Legal Advice

Save 10% if you apply online

10% discount on each extra pet
Axa Pet Insurance
Axa
Pet Essential

£2,500
Per condition
12 months

Includes £250 complementary treatments

Excess: depends on postcode e.g.

<8 yrs = £60
8+ = £60+15%

Plus 15% if the claim exceeds £500)

Monthly Cost
£7.31
£9.45*

3rd Party Liability £2m (£250 excess)

   

Age limit: 8 years

5% discount for additional pets

Optional travel cover offered as a policy extension

Axa
Pet Plus

£3,500
Per condition
Ongoing Cover

Includes £250 complementary treatments

Excess: depends on postcode e.g.

<8 yrs = £60
8+ = £60+15%

Plus 15% if the claim exceeds £500)

Monthly Cost
£8.91
£11.58*

3rd Party Liability £2m (£250 excess)

Emergency Boarding £70 per week (capped at £500)

Lost Adverts £500

Lost Reward 20%
£500 death from accident

£500 loss or theft
£500 holiday cancellation

Age limit: 8 years

5% discount for additional pets

Optional travel cover offered as a policy extension

Halifax Pet Insurance
Halifax
Standard

£1,000
Per year
Ongoing Cover

Includes alternative treatments,
£200 behaviourist, £100 cremation/burial

Excess: £50

Monthly Cost
£9.63
£12.97*

3rd Party Liability £1m (£100 excess)

Accidental Damage £500 (£100 excess)

Emergency Boarding £500

Lost Adverts £500

Lost Reward £250

£500 death from accident

£500 death from illness (<9 yrs only)

£500 loss or theft
£1,000 holiday cancellation

12 months cover abroad
Age limit: No

5% discount when you buy online

Helplines:
Find-a-Vet, Bereavement, Pet Legal, Pet Minders

10% multi pet discount
Halifax
eXtra

£6,000
Per year
Ongoing Cover

Includes alternative treatments,
£200 behaviourist, £100 cremation/burial

Excess: £50

Monthly Cost
£16.57
£22.45*

3rd Party Liability £1m (£100 excess)

Accidental Damage £1,000 (£100 excess)

Emergency Boarding £1,000

Lost Adverts £1,000

Lost Reward £250

£1,000 death from accident

£1,000 death from illness (<9 yrs only)

£1,000 loss or theft
£2,000 holiday cancellation

12 months cover abroad
Age limit: No

5% discount when you buy online

Helplines:
Find-a-Vet, Bereavement, Pet Legal, Pet Minders

10% multi pet discount
Healthy Pets Pet Insurance
Healthy Pets
Bronze

£1,000
Per condition
Ongoing Cover

Includes alternative remedies and limited hydrotherapy

Excess: £50

Monthly Cost
£6.76
£9.24*



  30 days overseas travel cover Age limit: No

Helplines:
Vet Helpline, Bereavement, Pet Legal, Pet Minders, Pet Travel Scheme

Discount for additional pets
Healthy Pets
Silver

£3,000
Per condition
Ongoing Cover

Includes alternative remedies and limited hydrotherapy

Excess: £50

Monthly Cost
£11.67
£15.94*

3rd Party Liability £1m (£100 excess)

Emergency Boarding £250

£250 death from accident (<9 yrs only)

£1,000 death from illness (<9 yrs only)

£250 loss or theft
£250 holiday cancellation

30 days overseas travel cover
Age limit: No

Helplines:
Vet Helpline, Bereavement, Pet Legal, Pet Minders, Pet Travel Scheme

Discount for additional pets
Healthy Pets
Gold

£5,000
Per condition
Ongoing Cover

Includes alternative remedies and limited hydrotherapy

Excess: £50

Monthly Cost
£13.84
£18.91*

3rd Party Liability £1m (£100 excess)

Accidental Damage £500 (£100 excess)

Emergency Boarding £1,000

£750 death from accident (<9 yrs only)

£750 death from illness (<9 yrs only)

£750 loss or theft
£2,000 holiday cancellation

12 months overseas travel cover
Age limit: No

Helplines:
Vet Helpline, Bereavement, Pet Legal, Pet Minders, Pet Travel Scheme

Discount for additional pets
Virgin Pet Insurance
Virgin

Accidental Injury






Accident and Illness






Accident and Illness extra


£1,500
Per condition
12 months

Monthly Cost
£7.74
£8.26*

£1,500
Per condition
12 months

Monthly Cost
£10.93
£11.70*

£1,500
Per condition
12 months

Monthly Cost
£13.56
£14.54*

Excess: £60 (with option to pay additional excess)

Note - costs quoted include optional benefits
3rd Party Liability £1m (£250 excess)

Emergency Boarding £500

Lost Adverts £500 (inc. £50 reward)
£1,500 death from accident

£1,500 loss or theft
£1,000 holiday cancellation

Optional:

£1,500 Quarantine

£300 emergency expenses abroad

£250 loss of health certificate

Repeat tick and worming

£1,500 Death/loss
Age limit: 8 years

Helplines:
Find a Vet, Bereavement, Pet Legal, Pet Minders

5% discount for each extra pet

10% discount if you have Virgin car, home or travel cover

5% discount for additional pets
RSPCA Pet Insurance
RSPCA

Standard







Advanced


£4,000
Per condition
12 months

Monthly Cost
£10.93
£11.12*

£4,000
Per condition
Ongoing Cover

Monthly Cost
£12.88
£13.82*

Excess: £65 (with option to pay additional excess)

Note - costs quoted include optional benefits
3rd Party Liability £1m (£250 excess)

Emergency Boarding £500

Lost Adverts £500 (inc. £50 reward)
£1,500 death from accident

£1,500 loss or theft
£1,000 holiday cancellation

Optional:

£1,500 Quarantine

£300 emergency expenses abroad

£250 loss of health certificate

Repeat tick and worming
Age limit: 8 years

Helplines:
Find a Vet, Bereavement, Legal

Save 5% when you insure more than one pet

5% discount when you buy online

10% of your premium goes to the RSPCA
Tesco Pet Insurance
Tesco

Standard







Extra


£2,500
Per condition
12 months

Monthly Cost
£8.63
£8.96*

£4,000
Per condition
Ongoing Cover

Monthly Cost
£11.22
£11.65*

Both policies include complementary therapy

Excess: £60 (with option to pay additional excess)

Note - costs quoted include optional benefits
Optional:

3rd Party Liability £1m (£250 excess)

Emergency Boarding £500

Lost Adverts £500 (inc. £50 reward)
Optional:

£1,500 death from accident

£1,500 loss or theft
Optional:

£1,000 holiday cancellation

£1,500 Quarantine

£300 emergency expenses abroad

£250 loss of health certificate

Repeat tick and worming
Age limit: 12 yrs (6 for select breeds) Dogs >8 yrs cannotbe applied for online

Helplines:
Find a Vet, Bereavement, Legal

5% discount when you buy online

5% discount for multiple pets
Direct Line Pet Insurance
Direct Line

Essential







Advanced


£4,000
Per condition
12 months

Monthly Cost
£9.09
£9.45*

£6,000
Per condition
Ongoing Cover

Monthly Cost
£11.82
£12.29*

Both policies include complementary threatments

Excess: £65 (with option to pay additional excess)

Note - costs quoted include optional benefits
Optional:

3rd Party Liability £1m (£250 excess)

Emergency Boarding £500

Lost Adverts £500 (inc. £50 reward)
Optional:

£1,500 death from accident

£1,500 loss or theft
Optional:

£1,000 holiday cancellation

£1,500 Quarantine

£300 emergency expenses abroad

£250 loss of health certificate

Repeat tick and worming
Age limit: 8 yrs (6 for some breeds)

Helplines:
Find a Vet, Bereavement, Legal

5% discount when you buy online

5% discount for multiple pets
petPals Pet Insurance
petPals
Standard

£3,000
Per condition per yr
Ongoing Cover

Includes herbal, homeopathic, physiotherapy, hydrotherapy and acupuncture

Excess: £40 (£80 for selected breeds)

Monthly Cost
£11.49
£11.49*

3rd Party Liability £1m (£200 excess)

Emergency Boarding £300

Lost Reward/Ad £300
£300 death from illness (exc. select breeds or large dogs >5yrs)

£300 loss or theft
£300 holiday cancellation Age limit: 8 years

1 month free when you buy online

First 2 months free during the first year

10% discount for 3 or more pets
petPals
Super

£5,000
Per condition per yr
Ongoing Cover

Includes complementary treatments e.g. herbal, homeopathic, physiotherapy, hydrotherapy and acupuncture

Excess: £40 (£80 for selected breeds)

Monthly Cost
£17.21
£17.21*

3rd Party Liability £1m (£200 excess)

Emergency Boarding £600

Lost Reward/Ad £600
£600 death from illness (exc. select breeds or large dogs >5yrs)

£600 loss or theft
£600 holiday cancellation Age limit: 8 years

1 month free when you buy online

First 2 months free during the first year

10% discount for 3 or more pets
More Th>n Pet Insurance
More Th>n

£7,000
Per condition
Ongoing Cover

Includes acupuncture, physiotherapy, homeopathic and herbal medicines

Excess: <9 yrs you pay greater of £75.00 or 15%

>9 yrs you pay greater of £95.00 or 20%

Monthly Cost
£11.89
£16.14*

3rd Party Liability £2m (£200 excess)

Emergency Boarding £600

Lost Reward/Ad £600
£600 death from accident

£600 death from illness (<9 yrs only)

£600 loss or theft
£1,250 towards treatment costs abroad Age limit: No

One year’s free membership to Missing Pet Bureau

15% discount when you buy online

15% discount for each additional pet

Serious illness and bereavement helpline
Churchill Pet Insurance
Churchill

£3,000
Per condition
12 months

Includes £1,000 towards complementary treatments

Excess: £50 (with option to pay additional excess)
(7+ yrs you pay additional 10% of each claim)

>9 yrs you pay greater of £95.00 or 20%

Monthly Cost
£8.75
£9.51*

3rd Party Liability £1m (£100 excess)

Emergency Boarding £750

Lost Reward/Ad £1,000
£500 death from accident

£500 death from illness (<9 yrs only)

£500 loss or theft
£3,000 holiday cancellation Age limit: No (but 9+ cannot be applied for online)

Helplines:
Find a vet, Bereavement, Pet Legal, Pet Minders, PETS Travel Scheme

5% discount when you buy online
Petplan Pet Insurance
Petplan
Budget

£4,000
Per year
Ongoing Cover

Includes complementary treatments, behavioural and physiotherapy

Excess depends on postcode e.g.

Crossbreed:
to 7 yrs = £90
8 yrs = £100
9 yrs = £110
10+ = £110 + 20%

Select Breed:
to 4 yrs = £90
5 yrs = £100
6 yrs = £110
7+ = £110 + 20%

Monthly Cost
£19.05
£25.80*

Petshare Option
(as before but
add 25%)

£14.40
£19.20*

3rd Party Liability £1m (£250 excess)

Emergency Boarding £250

Lost Reward/Ad £250
    Age limit: 8 yrs (5 for some breeds)

First month free when you apply online

Discount if you insure 3 or more pets is £1 a month per dog
Petplan
Supreme

Unlimited
Per year
Ongoing Cover

Includes complementary treatments, behavioural and physiotherapy

Excess depends on postcode e.g.

Crossbreed:
to 7 yrs = £90
8 yrs = £100
9 yrs = £110
10+ = £110 + 20%

Select Breed:
to 4 yrs = £90
5 yrs = £100
6 yrs = £110
7+ = £110 + 20%

Monthly Cost
£34.90
£34.90*

3rd Party Liability £3m (£250 excess)

Emergency Boarding £1,000

Lost Reward/Ad £1,000
£1,000 death from accident

£1,000 death from illness

£1,000 loss or theft
£1,000 holiday cancellation Age limit: 8 yrs (5 for some breeds)

First month free when you apply online

Discount if you insure 3 or more pets is £1 a month per dog
E and L Pet Insurance
E&L
Bronze

£2,000
Per year (£500 limit per condition)
12 months

Includes complementary medicine, physiotherapy, certain diets

Excess depends on area e.g.

<8 yrs = £59
8+ = £59+35%

Claims >£1,000 are subject to double excess

Monthly Cost
£7.15
(£10.50 8+ yrs)

3rd Party Liability £1.25m (£250 excess)

Accidental Damage £250 (no excess)

Emergency Boarding £250

Lost Reward/Ad £250

£500 death from accident

£500 death from illness (<8 yrs only)

£500 loss or theft
  Age limit: No (Senior policy for pets >8 yrs)

10% discount when insuring more than one pet

Notify insurer if vet fees are likely to > £1,000
E&L
Silver

£4,000
Per year (£1,000 limit per condition)
12 months

Includes complementary medicine, physiotherapy, certain diets plus £150 referral transport costs

Excess depends on area e.g.

<8 yrs = £69
8+ = £69+35%

Claims >£1,000 are subject to double excess

Monthly Cost
£10.65
(£13.90 8+ yrs)

3rd Party Liability £1.5m (£250 excess)

Accidental Damage £500 (no excess)

Emergency Boarding £750

Lost Reward/Ad £600
£750 death from accident

£750 death from illness (<8 yrs only)

£750 loss or theft
£1,000 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

10% discount when insuring more than one pet

Notify insurer if vet fees are likely to > £1,000

£500 burglar reward

£150 personal accident
E&L
Gold

£5,000
Per year
12 months

Includes complementary medicine, physiotherapy, certain diets plus £200 referral transport costs

Excess depends on area e.g.

<8 yrs = £69
8+ = £69+35%

Claims >£1,000 are subject to double excess

Monthly Cost
£13.70
(£18.40 8+ yrs)

3rd Party Liability £1.75m (£250 excess)

Accidental Damage £750 (no excess)

Emergency Boarding £1,000

Lost Reward/Ad £800
£1,000 death from accident

£1,000 death from illness (<8 yrs only)

£1,000 loss or theft
£1,500 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

10% discount when insuring more than one pet

Notify insurer if vet fees are likely to > £1,000

£750 burglar reward

£200 personal accident
E&L
Diamond

£6,000
Per year
12 months

Includes complementary medicine, physiotherapy, certain diets plus £250 referral transport costs

Excess depends on area e.g.

<8 yrs = £69
8+ = £69+35%

Claims >£1,000 are subject to double excess

Monthly Cost
£15.95
(£20.40 8+ yrs)

3rd Party Liability £2m (£250 excess)

Accidental Damage £1,000 (no excess)

Emergency Boarding £1,500

Lost Reward/Ad £1,000
£1,500 death from accident

£1,500 death from illness (<8 yrs only)

£1,500 loss or theft
£2,500 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

10% discount when insuring more than one pet

Notify insurer if vet fees are likely to > £1,000

£1,000 burglar reward

£250 personal accident
Animal Friends Pet Insurance
Animal Friends
Bronze

£500
Per condition (£1,500 limit per year)
12 months

Includes complementary medicine

Excess:
<8 yrs = £49
8+ = £49+35%

Monthly Cost
£7.62
(£11.38 8+ yrs)

3rd Party Liability £1m (£75 excess)

Emergency Boarding £100

Lost Reward/Ad £100
£350 death from accident

£350 death from illness (<8 yrs only)

£350 loss or theft
  Age limit: No (Senior policy for pets >8 yrs)

Donates 100% net profits to animal welfare

Notify insurer if vet fees are likely to > £1,000
Animal Friends
Silver Standard






Gold Standard



£2,000
Per condition
12 months

Monthly Cost
£11.48
(£14.65 8+ yrs)

£2,000
Per condition per year
Ongoing Cover

Monthly Cost
£13.26
(£17.33 8+ yrs)

Both policies include complementary medicine

Excess:
<8 yrs = £49
8+ = £49+35%

3rd Party Liability £1.5m (£75 excess)

Emergency Boarding £750

Lost Reward/Ad £600
£750 death from accident

£750 death from illness (<8 yrs only)

£750 loss or theft
£1,000 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

5% Discount for 3 or more pets

Donates 100% net profits to animal welfare

Notify insurer if vet fees are likely to > £1,000
Animal Friends
Silver Super






Gold Super



£4,000
Per condition
12 months

Monthly Cost
£12.78
(£16.36 8+ yrs)

£4,000
Per condition per year
Ongoing Cover

Monthly Cost
£17.58
(£21.40 8+ yrs)

Both policies include complementary medicine

Excess:
<8 yrs = £49
8+ = £49+35%

3rd Party Liability £1.75m (£75 excess)

Emergency Boarding £1,000

Lost Reward/Ad £800
£1,000 death from accident

£1,000 death from illness (<8 yrs only)

£1,000 loss or theft
£1,500 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

5% Discount for 3 or more pets

Donates 100% net profits to animal welfare

Notify insurer if vet fees are likely to > £1,000
Animal Friends
Platinum Standard






Platinum Super



£5,000
Per condition per year
Ongoing Cover

Monthly Cost
£20.02
(£24.98 8+ yrs)

£6,000
Per condition per year
Ongoing Cover

Monthly Cost
£21.16
(£25.80 8+ yrs)

Both policies include complementary medicine and £200 referral transport costs

Excess:
<8 yrs = £49
8+ = £49+35%

3rd Party Liability £2m (£75 excess)

Accidental Damage £750 (no excess)

Emergency Boarding £1,500

Lost Reward/Ad £1,000
£1,500 death from accident

£1,500 death from illness (<8 yrs only)

£1,500 loss or theft
£2,500 holiday cancellation Age limit: No (Senior policy for pets >8 yrs)

£750 Burglar reward

£200 Personal accident

5% Discount for 3 or more pets

Donates 100% net profits to animal welfare

Notify insurer if vet fees are likely to > £1,000
Pet-ID and Petwise Pet Insurance
Pet-ID and Petwise
Bronze

£1,000
Per condition
Ongoing Cover

Includes alternative medicine

Excess: £50

Monthly Cost
£8.95
£12.05*

Co-insurance: 10% of each claim (min £35)

£7.80
£10.47*

3rd Party Liability £1m (£100 excess)   30 days overseas travel Age limit: No

Helplines:
Healthcare away from Home, Bereavement, Pet Legal, Pet Minders
Pet-ID and Petwise
Silver

£2,000
Per condition
Ongoing Cover

Includes alternative medicine

Excess: £50

Monthly Cost
£13.73
£18.58*

Co-insurance: 10% of each claim (min £35)

£11.93
£16.11*

3rd Party Liability £1m (£100 excess)

Emergency Boarding £250

Lost Reward/Ad £250
£250 death from accident

£250 death from illness (<9 yrs only)

£250 loss or theft
£250 holiday cancellation

30 days overseas travel
Age limit: No

Helplines:
Healthcare away from Home, Bereavement, Pet Legal, Pet Minders
Pet-ID and Petwise
Gold

£5,000
Per condition
Ongoing Cover

Includes alternative medicine

Excess: £50

Monthly Cost
£17.81
£24.15*

Co-insurance: 10% of each claim (min £35)

£15.45
£20.92*

3rd Party Liability £1m (£100 excess)

Accidental Damage £500 (£100 excess)

Emergency Boarding £1,000

Lost Reward/Ad £750
£750 death from accident

£750 death from illness (<9 yrs only)

£750 loss or theft
£2,000 holiday cancellation

12 months overseas travel
Age limit: No

Helplines:
Healthcare away from Home, Bereavement, Pet Legal, Pet Minders
Petquote, Pinnacle and Vet2Pet Pet Insurance
Petquote, Pinnacle and Vet2Pet

£6,000
Per year
Ongoing Cover

Includes £250 complementary treatment, euthanasia, 25% off clinical diet

Excess: < 8 years
15% or 25% (min £50)

8+ years
20% or 30% (min £50)

Monthly Cost
(at 15% excess)
£15.15
£17.93*

Monthly Cost
(at 25% excess)
£12.12
£14.34*

3rd Party Liability £1m (£250 excess)

Emergency Boarding £500

Lost Reward/Ad £500
£500 death from accident

£500 loss or theft
£500 holiday cancellation

90 days pet travel cover £750 vet fees
Age limit: 8 years

If you can't work, your premiums are covered for up to six months

One month's discount per pet each year if you insure two or more pets
Saga Pet Insurance
Saga
Saver

(for persons >50 years old)

£2,000
Per condition
12 months

plus £100 referral transport costs

Excess depends on postcode:
<7 yrs = £70
8 yrs = £80
9 yrs = £90
10+ yrs = £90

Annual Cost
£113.03
£131.22*

(exc. optional pet travel extension)

3rd Party Liability £2m (£100 excess)

Emergency Boarding £400 (£25 excess)

Lost Adverts £250 (inc. £50 reward)
  £500 holiday cancellation

Optional pet travel extension is available – see policy
Age limit: <10 years

5% discount for first year
Saga
Essential

(for persons >50 years old)

£1,000
Per year
Ongoing Cover

plus £100 referral transport costs

Excess depends on postcode:
<7 yrs = £70
8 yrs = £80+20%
9 yrs = £90+20%
10+ yrs = £90+20%

Annual Cost
£147.30
£168.95*

(exc. optional pet travel extension)

3rd Party Liability £2m (£100 excess)

Emergency Boarding £400 (£25 excess)

Lost Adverts £250 (inc. £50 reward)
  £500 holiday cancellation

Optional pet travel extension is available – see policy
Age limit: <10 years

5% discount for first year
Saga
Super

(for persons >50 years old)

£5,000
Per year
Ongoing Cover

plus £200 referral transport costs

Includes £1,000 complementary medicine

Excess depends on postcode:
<7 yrs = £70
8 yrs = £80+20%
9 yrs = £90+20%
10+ yrs = £90+20%

Annual Cost
£202.11
£231.48*

(exc. optional pet travel extension)

3rd Party Liability £2m (£100 excess)

Accidental Damage £750 (£100 excess)

Emergency Boarding £1,000 (£25 excess)

Lost Adverts £1,000 (inc. £100 reward)
£1,000 death from accident

£1,000 death from illness (<10 yrs only)

£1,000 loss or theft
£1,500 holiday cancellation

Optional pet travel extension is available – see policy
Age limit: <10 years

5% discount for first year
Petshield Pet Insurance
Petshield
Premium

£4,000
Per condition
12 months

Includes £100 behavioural problems, euthanasia

Excess: £50

Annual Cost
£136.41
£136.41*

Specific breeds are subject to a 15% surcharge

3rd Party Liability £2m (£250 excess)

Accidental Damage £300 (£100 excess)

Boarding £500
Minding: 75 (max £5 per day)

Lost Reward/Ad £350
£300 death from accident

£300 loss or theft
£750 holiday cancellation Age limit: 8 years (6 yrs for some breeds)

5% online discount
Petshield
Exclusive

£4,000
Per year
Ongoing Cover

Includes £300 behavioural problems, euthanasia

Excess: £50

Annual Cost
£185.14
£185.14*

Specific breeds are subject to a 15% surcharge

3rd Party Liability £2m (£250 excess)

Accidental Damage £750 (£100 excess)

Boarding £750
Minding: 75 (max £5 per day)

Lost Reward/Ad £750
£750 death from accident

£750 death from illness (if <8 or <6 yrs for some breeds)

£1,000 loss or theft
£1,500 holiday cancellation Age limit: 8 years (6 yrs for some breeds)

5% online discount
Underwriters - Key
Axa Pet Protect (Domestic & General)
Royal & SunAlliance Allianz Cornhill
UK Insurance Limited (or similar) Indemnity Insurance Limited
Equine and Livestock Fortis Insurance
Pinnacle Various / Own


* Pedigree

Disclaimer: This summary is intended as a guide only. We cannot be held responsible for any inaccuracy or for any change of policy terms. Level of cover, excesses, exclusions, countries covered, and discounts may vary. Terms and conditions apply. Please check each provider’s policy details.

Compiled January 2006

© D for Dog

 
Cover
There is one major way in which insurance policies vary and that is with regards the limits each one sets, be it time limits or financial limits. The wording used often doesn’t help. For example, many policies use the term ‘life cover’ to refer to quite different things. To make things clearer, we have looked at the small print of each policy and given each one the following categorisations.

Per year = cover is per year in total (the fee limits get renewed each year)
Per condition per year = cover is per condition per year (the fee limits get renewed each year)
Per condition = cover is to a maximum limit per condition (the fee limits do not get renewed each year)

Limited to 12 months = your pet’s cover for that condition is limited to the first 12 months of treatment
Ongoing cover = cover is continuous for each incident up to the limit of the policy.


Premiums

Premiums stated here give a general indication only of cost. A number of variables can affect your own particular premiums such as your pet’s age and breed, your postcode and the number/type of claims you make.

Our UK Pet Insurance Summary shows premiums based on the following dog specifics:

Crossbreed/mixed/mongrel dog, 4 years old, residing in the UK, no existing conditions, not used for breeding/racing/security reasons, policy start date 31/01/2006, Postcode GU1 4AZ. Also, if requested, the following variables were used: £50 purchase price, micro-chipped, neutered, vaccinated, annual checkups, medium size, black coated, has not received vet treatment in last 12 months, has never bitten anyone or caused an accident.

The generally higher amount indicted by * is for a Pedigree dog, in this case a Labrador Retriever, with all other details as before.


All premium examples are calculated using the standard policy excess (if options are given) and are the result of an online quote which means that any online discounts may be included in the premium amount stated. Other discounts may also be included such as reduced rates for the first year of cover. Please also note that some policies may carry an extra charge for direct debits, which may not be included here.


Use of this summary
If any part of this summary is unclear for individual policies, please refer to the policy in question. Unfortunately, we cannot answer individual questions with regards any policies featured in this Pet Insurance Summary.

We hope you find our UK Pet Insurance Summary helpful and would be glad for you to share it with other dog owners. Please use the ‘Tell a Friend’ button at the bottom of this page, or direct your friends to www.dfordog.com/insurance.htm

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