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Pets are an important part of our lives, and popularity of our furry friends is continuing to rise. Figures released in March 2021 showed that 3.2million pets were bought by UK households during lockdown.

Pet Insurance can help you save money on your pet’s medical expenses. In fact, most people who have pet insurance say they wouldn’t be able to afford their pets’ veterinary care without it. For example, if your dog gets sick or has an accident and needs surgery, the cost could easily run into the thousands.

The average annual premium for a dog is £274 and £125 for a cat. So no, pet insurance isn’t cheap, but when you consider that procedures like dentistry or joint replacement surgery can cost thousands of pounds, sometimes more, it’s not surprising people want to protect themselves and to ensure their beloved pet can have a full and happy life.


You could pay from £2.87 per month*

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Quotes in minutes from leading insurers including:

animal friends pet insurance               waggel pet insurance

coop pet insurance                             post office pet insurance

pdsa pet insurance              purely pets pet insurance



TYPES OF PET INSURANCE

Accident Only

Accident only insurance covers your pet if they have been injured in an accident. It does not provide cover for illnesses.

Maximum Benefit

This type of insurance will cover your pet for a fixed amount per condition.

Time Limited

Your pet will be covered for a limited term, per condition (this is usually 12 months).

Lifetime

With lifetime insurance your pet will be covered for their whole life for most of their medical needs, it is the most extensive cover available.

FINDING THE BEST PET INSURANCE 


Like most insurances, there isn’t a “one for all” policy for pet insurance, it is dependant on the pet and the owners. The cheapest option isn’t always the best. To find the right policy for you, here are some steps you can take:

The main factors are:

1. The cover you need | 2. Your excess | 3. Pay monthly or yearly | 4. Policy add-ons

savingsuperstore pet insurance

The cover you need – The most extensive policy may not always be the most cost effective, especially if you have a pet with health problems or your pet is older.

Your excess – Opting for a higher excess will normally decrease your policy price as you agreeing to pay a certain amount of your vet bills.

Pay monthly or yearly – Insurance companies will sometimes charge interest on monthly payments, so if you can afford to do so, it can often be cheaper to pay for your pet insurance on a yearly basis as opposed to monthly.

Policy add-ons – Some providers will offer additional cover options for your pet, like dental cover.



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FAQS

Here are some ways you could reduce the cost of your pet insurance:

Opting for a higher excess- By opting to increase your excess your prices will naturally be lower. It shows the insurer you are willing to a pay more towards any potential claim.

Pay for your policy annually –If you can afford to, pay for your pet insurance upfront. Most insurers will charge interest on monthly payments or add an admin fee if you decide to pay monthly. This could end up costing you an extra 10%+.

Keeping your pet healthy – Diet is important, just as it is for us. Keep up to date with your pets vaccinations and ensure your pet gets enough exercise.

You are more likely to get a cheaper quote for pet insurance if you pay for your policy up front (annually) versus opting to pay in monthly installments. Paying monthly incurs interest charges which will be added to the total cost of your policy.

To obtain a pet insurance quote you will need to provide:

– Your pet’s age (DOB)
– Your pets breed and or size
– If your pet has been neutered
– How much you paid for your pet (£0 if adopted)
– Your pet’s medical history
– Any behavioural history

Yes, if your pet has a pre-existing condition you will still be able to get your pet insured. It is however likely that the insurer will not cover treatment for the existing condition. If you did want to be cover your pet for pre-existing conditions, you will need to look for specialist cover. If your pet is currently insured on a plan that covers lifetime conditions, it can sometimes be worth remaining with that provider.

Yes the age of your pet is one of the most important factors affecting the cost of pet insurance. Normally, the older your pet is, the more expensive your premiums will be.

Most insurers require an excess, there are however no excess options. By setting a higher excess, you can reduce your premium, you should however ensure you are comfortable with the excess you set in the event of a claim.




SavingSuperStore are an Introducer Appointed Representative of Seopa Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA) under FRN: 313860. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322.

You could pay from £2.87 per month- *Price per month for cover based on a dog, Theo, aged 7, no known medical conditions,
neutered, up to date with vaccinations and microchipped.