Best Pet Insurance Companies in United Kingdom (UK)

In the UK, pet insurance is more than just a safety net for your furry friends—a guarantee of security and peace of mind. Being animal lovers, we are aware of the close relationship you have with your pets and appreciate how important it is to you to look after them. Because of this, we are here to help you navigate the pet insurance market and assist you in making wise choices so that your cherished dogs receive the best treatment possible when they most need it. You can relax knowing that your four-legged family members are in capable care with a variety of alternatives and services catered to your specific needs. Learn more about pet insurance’s advantages and set out on a journey of worry-free companionship with your dogs.

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1. Pet Insurance

A financial option called pet insurance can help you pay for the veterinarian care for your animals. It protects against unforeseen medical expenses for your furry, feathered, or scaly pals, much like human health insurance does. Pet insurance makes sure you can provide your pet the treatment they need without worrying about the cost, whether they are unwell, hurt, or just need regular checkups.

 It provides flexible plans that can be tailored to your needs and financial situation, giving you the assurance that you can always afford to give your pet the best care possible. It’s a wise investment in both your own financial stability and the wellbeing of your pet.

1.1 Need for Pet Insurance

In the UK, pet insurance is a crucial factor to take into account. With the escalating expense of veterinary care, purchasing pet insurance is a sensible and prudent decision. In the UK, where animals play a significant role in many families, it is crucial to protect their health and wellbeing. Pet insurance offers financial security against unforeseen medical costs, ensuring that your cherished pets receive the essential care without having to worry about mounting debt.

 It not only protects your pet’s health but also gives you peace of mind so that you may choose the best course of action without being concerned about the cost. Pet insurance is a considerate and useful way to care for animals in a country where there are many pet owners.

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2. Best Pet Insurance Companies United Kingdom (UK)

Finding the finest coverage for your furry friends can be difficult in the United Kingdom’s pet insurance market, but with the proper provider, you can do it. There are many reliable pet insurance providers in the UK, and they all have distinctive plans that are catered to the requirements of your pet and your budget. Here is a brief overview of some of the leading pet insurance providers in the UK to help you make an informed decision and make sure your pets get the best care possible when they really need it.

2.1 Top Pet Insurance Companies in United Kingdom According to Our Research

Following are the top pet insurance companies in United Kingdom,

1. Agria
2. PetPlan
3. Cover My Pet Lifetime
4. Healthy Pets Extra
5. The Kennel Club
6. Many Pets
7. Waggel
8. Petsure Lifetime Pet Insurance
9. Admiral Blue
10. Every Paw

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2. Agria – United Kingdom (UK)

2.1 Why Its Highly Recommended – Agria United Kingdom (UK)

Agria is a highly recommended pet insurance company in the UK due to its specialization in pet insurance, comprehensive coverage, lifetime coverage, customizable policies, direct claims, positive customer reviews, strong reputation, additional benefits like dental care, complementary therapies, and behavioral treatments, and support for charities. This ensures financial support for pet owners, reducing the financial burden on them.

2.2 Pros & Cons – Agria United Kingdom(UK)

Pros	Cons
Agria UK provides comprehensive coverage for pets, including protection against disease, mishaps, and inherited disorders.	Policies from Agria UK may be more expensive than those from other insurers.
They have knowledge in the area and are specialists in pet insurance.	Under new policies, pre-existing conditions might not be covered
Agria UK provides lifetime pet insurance packages to ensure ongoing protection.	Before to the start of some coverage, there may be a waiting period.

2.3 Company Overview – Agria United Kingdom (UK)

The world’s first pet insurance provider, Agria, was established in Sweden in 1890. Since its debut in the UK in 2009, it has rightly grown to rank among the most well-known pet insurance providers in the country. The assertion that Agria is trusted and endorsed by more than 40,000 veterinarians, animal rescue organizations, and breeders carries a lot of weight. Agria works hard to listen to stakeholders in the pet care industry.

Industries	Financial Services Insurance
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	2009

2.4 Products & Services – Agria United Kingdom (UK)

Agria only provides lifelong pet insurance, which is the best option for most people, however except this restriction, you can customize your coverage to meet your specific requirements.

Agria provides insurance for

• Cats
• Dogs
• Rabbits
• Cats

2.5 Contact Details – Agria United Kingdom (UK)

You can contact company through,

Phone Number	+44 333 030 1000
Address	First Floor, Blue Leanie, Walton St, Aylesbury HP21 7QW, UK
Email Address	[email protected]
Official Website	https://www.agriapet.co.uk

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3. Petplan – United Kingdom (UK)

3.1 Why Its Highly Recommended – Petplan United Kingdom (UK)

 Due to its solid reputation established over a 40-year period, Petplan is strongly suggested for pet insurance in the UK. They provide thorough protection for a variety of dogs, including lifelong coverage for chronic illnesses. In addition to offering additional advantages like dental coverage and third-party liability, Petplan is renowned for its outstanding customer service. This makes Petplan a top pick for pet owners looking for trustworthy and all-encompassing security for their cherished animals.

3.2 Pros & Cons – Petplan United Kingdom (UK)

Pros	Cons
With more than 40 years of experience in the field, Petplan has built a solid and reliable reputation among pet owners	Premiums can be somewhat expensive, which makes it more difficult for certain pet owners to afford.
Petplan is renowned for its top-notch customer service and has a staff of professionals available to help with claims and inquiries.	There may be waiting periods for some conditions and some pre-existing conditions may not be covered.
Extras like dental coverage, third-party liability, and complementary therapies are frequently included in policies.	For some clients, choosing an insurance might be challenging because to the wide range of coverage options and add-ons.

3.3 Company Overview – Petplan United Kingdom (UK)

A pet insurance provider established in London is called Pet Plan Limited, doing business as Petplan. It belongs to the Allianz Global Group and is a subsidiary of Allianz Insurance plc.  The biggest provider of pet insurance in the UK is Petplan.

David Simpson and Patsy Bloom founded Petplan in 1976. When they were first introduced, Petplan products covered domestic cats, dogs, and even bunnies.

Industry	Pet insurance
Founded	1976
Founder	Patsy Bloom and David Simpson
Headquarters	London, United Kingdom

3.4 Products & Services – Petplan United Kingdom (UK)

There are policies for exotic animals, dogs, cats, rabbits, and horses. Allianz underwrites insurance policies.          

Petplan is a well-liked supplier of pet insurance because it pays 90% of claims in just five days and provides long windows for filing claims. Their policies have no lifetime or “per condition” claim cap, and iOS and Android users can easily submit claims using the Petplan app.

3.5 Contact Details – Petplan United Kingdom (UK)

You can contact company through,

Phone Number	0345 071 8000
Address	G W 2, Great West House, Great West Rd, Brentford TW8 9DX, United Kingdom
Email	[email protected]
Official Website	https://www.petplan.co.uk

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4. Cover My Pet – United Kingdom (UK)

4.1 Why Its Highly Recommended – Cover My Pet United Kingdom (UK)

This policy offers an annual limit of £2,000 for medical conditions, up to £1,500 per condition for diagnostics, cruciate treatment, and complementary therapy. It covers loss, theft, death, and third liability for pet dogs, and £1 million in third liability for dogs. Monthly costs are £13.56 for dogs and £7.50 for cats, with an excess of £50 per condition and a 15% co-payment.

4.2 Pros & Cons – Cover My Pet United Kingdom (UK)

Pros	Cons
Free veterinary helpline	There is no free vet hotline.
Available direct payment to veterinarian	No coverage for bereavement counseling
Coverage for complementary therapies	Neither the first 14 days of illness nor the first five days of accidents are covered.

4.3 Company Overview – Cover My Pet United Kingdom (UK)

Pets all throughout the UK can receive industry-leading flea and worming treatments from Protect My Pet.

Industries	E-Commerce Pet
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	2016
Founders	Marianne Strange

4.4 Products & Services – Cover My Pet United Kingdom (UK)

Cover my pet insurance offers the following insurances,

1. Lifetime Pet Insurance
2. Max Benefit Pet Insurance
3. Time limited Pet Insurance

Coverages offered,

1. Theft and straying
2. Vet fees
3. Third party liability
4. Complimentary Treatment
5. Death from accident
6. Death from illness
7. Holiday Cancellation

4.5 Contact Details – Cover My Pet United Kingdom (UK)

You can contact company through,

Phone Number	0208 6269 454
Address	Cover My Kempton House Kempton Way Dysart Road PO Box 9562 Grantham NG31 0EA
Email	[email protected]
Official Website	https://www.covermy.co.uk

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5. Healthy Pets – United Kingdom (UK)

5.1 Why Its Highly Recommended – Healthy Pets United Kingdom (UK)

This policy offers an annual limit of £2,000 for medical conditions, up to £1,500 per condition for diagnostics, cruciate treatment, and complementary therapy. It covers loss, theft, death, and third liability for pet dogs, and £1 million in third liability for dogs. Monthly costs are £13.56 for dogs and £7.50 for cats, with an excess of £50 per condition and a 15% co-payment.

5.2 Pros & Cons – Healthy Pets United Kingdom (UK)

Pros	Cons
Available direct payment to veterinarian	There is no free vet hotline.
Coverage for complementary therapies	No coverage for bereavement counseling
Cat insurance with the best rates listed	Illness, disease, and non-accidental injury are not covered for the first 10 days.

5.3 Company Overview – Healthy Pets United Kingdom (UK)

Healthy Pets Insurance, founded in 1996 by Mark Effenberg, is a leading online pet insurance provider in the UK. As part of The Ardonagh Group, the company understands that pets are family members and has one of the highest renewal rates in the industry. Founded by a dog owner, Effenberg aimed to understand the bond between a dog and its owner, a sentiment echoed by cats.

5.4 Products & Services – Healthy Pets United Kingdom (UK)

Company provides following insurances,

1. Dog Insurance
2. Cat Insurance
3. Puppy Insurance
4. Kitten Insurance
5. Multi-pet insurance

5.5 Contact Details – Healthy Pets United Kingdom (UK)

You can contact company through,

Phone Number	01730 450 027
Address	Ridgeway Office Park, Bedford Rd, Petersfield GU32 3QF, United Kingdom
Email	[email protected]
Official Website	https://www.healthy-pets.co.uk/

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6. The Kennel Club Pet Insurance – United Kingdom (UK)

6.1 Why Its Highly Recommended – The Kennel Club Pet Insurance United Kingdom (UK)

The Kennel Club, the UK’s main register for pedigree dogs, offers pet insurance for dogs and breeders. Their lifetime policy covers ongoing illnesses for the pet’s life, with up to £15,000 for vet fees cover. The Lifetime Plus policy includes a £25 voucher for annual health checks or vaccinations. Policies are underwritten by Agria.

6.2 Pros & Cons – The Kennel Club Pet Insurance United Kingdom (UK)

Pros	Cons
They specialize in covering particular breeds, taking into account their distinct demands.	For comprehensive coverage, especially, premiums can be rather hefty.
Some policies provide chronic condition lifetime coverage, providing long-term security.	There may be waiting periods for some conditions and pre-existing conditions may not be covered.
Kennel Club enjoys a solid reputation in the pet business, which inspires confidence in their insurance options.	For some pet owners, navigating the range of coverage options might be challenging.
These insurance frequently cover dental care, addressing a common pet health issue.	Although they allow direct claims, the procedure could still need documents and take time.

6.3 Company Overview – The Kennel Club Pet Insurance United Kingdom (UK)

The Kennel Club is an organization that dedicates to dog health, welfare, and training.

Industries	Charity Health Care Non Profit Pet
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	Apr 4, 1873
Legal Name	The Kennel Club, Ltd.

6.4 Products & Services – The Kennel Club Pet Insurance United Kingdom (UK)

They only offer lifetime cover, so we will cover ongoing illnesses for the rest of your pet’s life. Their policy includes up to £25,000 for vet’s fees cover which renews each and every year.

6.5 Contact Details – The Kennel Club Pet Insurance United Kingdom (UK)

You can contact company through,

Phone Number	03330 30 50 30
Address	Agria Po Box 506 Manchester M28 8EN
Email	[email protected]
Official Website	https://www.thekennelclub.org.uk/about-us/help-centre/

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7. Many Pets – United Kingdom (UK)

7.1 Why Its Highly Recommended – Many Pets United Kingdom (UK)

If other insurance providers are unable to satisfy your demands, Many Pets offers good coverage at reasonable pricing along with a variety of unique services that may be of interest. The options range from “value” insurance with annual vet fees of no more than $2000 (and substantially lower monthly rates) to the most comprehensive pet insurance with annual coverage of up to £15,000.

7.2 Pros & Cons – Many Pets United Kingdom (UK)

Pros	Cons
It may be less expensive to cover several animals under one policy than under separate ones.	Even while there can be financial benefits, multiple-pet insurance costs might still be quite high.
Consolidating insurance management for several dogs makes administrative responsibilities easier.	Plans could include combined yearly benefit caps, which would not be enough if several pets need intensive care.
Plans frequently provide a selection of coverage options, making sure all your pets are adequately protected.	Arranging coverage for several pets might be more difficult, particularly if they have different medical requirements.

7.3 Company Overview – Many Pets United Kingdom (UK)

Guy Farley and Steven Mendel created ManyPets, originally Purchased By Many, an insurance technology firm that assists consumers in finding pet insurance, in 2012. It is based in London, UK. Cats and dogs can purchase pet insurance plans from the company. For pets younger than two years old, ManyPets offers set insurance prices and full policies with lifetime veterinary expense coverage of £15,000. Via the FirstVet application, customers can submit claims online and engage in free video chats with licensed veterinarians.

Industries	Finance Insurance InsurTech Pet
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	Sep 10, 2012
Founders	Guy Farley, Steven Mendel

7.4 Products & Services – Many Pets United Kingdom (UK)

Company offers,

1. Pet insurance
2. Dog insurance
3. Cat insurance
4. Multi-pet insurance
5. Pre-existing conditions
6. Preventative pet care

7.5 Contact Details – Many Pets United Kingdom (UK)

You can contact company through,

Phone Number	0345 340 4090
Address	Unit 1b, 1-10 Summers Street, London EC1R 5BD.
Email	[email protected]
Official Website	https://manypets.com/uk

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8. Waggle – United Kingdom (UK)

8.1 Why Its Highly Recommended – Waggle United Kingdom (UK)

The Waggel pet insurance policy offers an annual limit of £1,000 for all conditions, including vet fees, complementary and behavioral treatments, and third party liability cover. The policy covers loss, theft, or death of pets by accident or illness, with £1,000 for loss, theft, or death, and £2 million for third party liability. Monthly costs are £8.99 for dogs or £7.04 for cats, with six limit options and five excess options. Policy limits and excess can be increased or decreased at renewal.

8.2 Pros & Cons – Waggle United Kingdom (UK)

Pros	Cons
Inexpensive dog insurance	There is no emergency boarding fee.
Available direct payment to veterinarian	First 14 days without coverage
Complimentary veterinarian advice line, as well as unlimited behavioral and dietary consultations

8.3 Company Overview – Waggle United Kingdom (UK)

Waggel provides insurance services for pet.

Industries	Financial Services Health Care Insurance Pet
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	2017
Founders	Ross Fretten

8.4 Products & Services – Waggle United Kingdom (UK)

Lifelong pet insurance up to £10,000 that comes with dental care, limitless free video visits with the vet, and a dedicated vet nurse in the UK.

8.5 Contact Details – Waggle United Kingdom (UK)

Phone Number	01299 669955
Address	Waggel, WeWork, 131 Finsbury Pavement, London EC2A 1NT, United Kingdom
Email	[email protected]
Official Website	https://www.waggel.co.uk/

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 9. Lifetime Pet Cover – United Kingdom (UK)

9.1 Why Its Highly Recommended – Lifetime Pet Cover United Kingdom (UK)

The Petsure policy provides annual limits of £1,000 for all medical conditions, £1,500 for cruciate treatment, and 12 sessions of behavioural and complementary treatment per year. It also offers £2 million in third liability cover for dogs, emergency boarding fees, and up to £5,000. The policy also covers third liability if your pet causes injury or damages someone else’s property. Monthly costs are £12.74 for dogs and £7.10 for cats, with an excess of £100 per condition per year. The policy offers cover limits up to £12,000 for dogs and £8,000 for cats.

9.2 Pros & Cons – Lifetime Pet Cover United Kingdom (UK)

Pros	Cons
Free veterinary helpline	Costlier is the loss/theft coverage
Available direct payment to veterinarian	Neither the first 14 days of illness nor the first two days of accidents are covered.
Coverage for complementary therapies

9.3 Company Overview – Lifetime Pet Cover United Kingdom (UK)

Lifetime pet insurance provides comprehensive cover for veterinary bills to diagnose, treat illnesses and accidents for dogs and cats.

Industries	Finance Financial Services Insurance
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Legal Name	Lifetime Pet Cover Limited

9.4 Products & Services – Lifetime Pet Cover United Kingdom (UK)

Company offers cat and dogs coverages. Coverages includes,

1. Vet Fees
2. Death by Accident or Illness
3. Dental Treatment
4. Complementary Treatment
5. Third party Liability
6. Missing pet
7. Overseas Travel
8. Boarding coasts
9. Behavioral Problems

9.5 Contact Details – Lifetime Pet Cover United Kingdom (UK)

You can contact company through,

Phone Number	44 1625545700
Address	Wilmslow, Cheshire, United Kingdom.
Email	[email protected]
Official Website	https://www.lifetimepetcover.co.uk/

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10. Admiral Blue – United Kingdom (UK)

10.1 Why Its Highly Recommended – Admiral Blue United Kingdom (UK)

The Admiral pet insurance policy offers an annual limit of £2,000 for pet owners, covering losses, theft, death by accident, illness, euthanasia, and third liability. It covers emergency boarding fees, vet fees, and cancellations due to life-saving treatment. The policy costs £11.73 for dogs and £6.86 for cats, with an excess of £199 applied on each claim. The policy covers up to £10,000. The excess is applied once per illness or injury, and the policy can be lowered for pets under six.

10.2 Pros & Cons – Admiral Blue United Kingdom (UK)

Pros	Cons
Free veterinary helpline	No coverage for bereavement counseling
Available direct payment to veterinarian	No coverage for health issues, behavioral changes, or accidents in the first day within the first 14 days.

10.3 Company Overview – Admiral Blue United Kingdom (UK)

Cardiff, Wales serves as the corporate headquarters for the British financial services firm Admiral Group plc. It is a member of the FTSE 100 Index and is listed on the London Stock Exchange. In addition to marketing the automobile insurance brands Admiral, Bell, Elephant, Diamond, and Veygo, it also launched the pricing comparison websites Confused.com and Compare.com. Almost 10,000 individuals work for the group’s various brands.

Industries	Financial Services Insurance
Founded Date	1993

10.4 Products & Services – Admiral Blue United Kingdom (UK)

Following services are being offered by the company,

1. Pet Insurance
2. Dog Insurance
3. Puppy Insurance
4. Cat Insurance
5. Kitten Insurance
6. Lifetime Pet Insurance
7. Multi Pet Insurance
8. Time Limited Pet Insurance
9. Pet breeds
10. Cockapoo Pet Insurance
11. Cocker Spaniel Pet Insurance
12. Shih Tzu Pet Insurance

10.5 Contact Details – Admiral Blue United Kingdom (UK)

You can contact company through,

Phone Number	0330 102 5741
Address	5th Floor, Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE.
Email	[email protected]
Official Website	https://www.admiral.com/pet-insurance

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11. Marks & Spencer Pet Insurance – United Kingdom (UK)

11.1 Why Its Highly Recommended – Marks & Spencer Pet Insurance United Kingdom (UK)

M&S Bank is offering a 15% discount on online pet insurance purchases and £50 in-store vouchers for new lifetime policies. The insurance covers four levels of care: essential, standard, plus, and premier, with options like dental work, euthanasia costs, and overseas vet costs. Cover includes Vetfone, a 24-hour helpline, and services like local pet care providers and bereavement support. Policies are underwritten by Royal & Sun Alliance Insurance plc.

11.2 Pros & Cons – Marks & Spencer Pet Insurance United Kingdom (UK)

Pros	Cons
Several pet insurance plans, like those from M&S Bank, provide thorough coverage for veterinary costs, including those resulting from accidents and diseases.	Although insurers like M&S Bank strive to speed the claims process, it may still necessitate documentation and take time.
Pet insurance gives you the peace of mind to pay for unforeseen, possibly expensive medical expenses, ensuring that your pet gets the care they need.	Plans may contain benefit annual caps, which may be a problem for expensive treatments.
You can frequently add optional extras, such as dental coverage, behavioral therapy, and more, to customize the policy to your pet’s unique needs	It can be difficult to understand a pet insurance policy’s terms and conditions, but it’s important to understand what is and isn’t covered.

11.3 Company Overview – Marks & Spencer Pet Insurance United Kingdom (UK)

 M&S Bank, formerly Marks & Spencer Financial Services plc, is a UK retail bank that was established in 1985 as the financial services division of Marks & Spencer. It offers a range of products to personal customers, including credit cards, loans, savings, and insurance, and foreign currency exchange. M&S Bank is a joint-venture with HSBC and is regulated by the Prudential Regulation Authority and the Financial Conduct Authority. It maintains its own banking license and board.

Industry	Finance and Insurance
Founded	1985 as St Michael Financial Services plc
Founder	Marks and Spencer
Headquarters	Kings Meadow, Chester

11.4 Products & Services – Marks & Spencer Pet Insurance United Kingdom (UK)

M&S Pet Insurance offers time limited and lifetime cover for dog and cat insurance.

11.5 Contact Details – Marks & Spencer Pet Insurance United Kingdom (UK)

You can contact company through,

Phone Number	0800 980 8740
Address	M&S Pet Insurance. PO Box 225. Wymondham.
Email	[email protected]
Official Website	https://bank.marksandspencer.com/insurance/pet-insurance

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12. FAQs – Pet Insurance United Kingdom (UK)

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13. Conclusion – Pet Insurance United Kingdom (UK)

In conclusion, pet insurance in the UK gives pet owners crucial financial security and peace of mind by ensuring that their cherished animals can get the veterinary treatment they require. The cost of premiums, potential exclusions, and the complexity of the insurance are things to think about, though. To get the most out of pet insurance, it’s crucial to read the fine print, weigh your alternatives, and pick a plan that fits both your budget and your pet’s demands.

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