Pet Insurance

Affordable insurance for your pets

With so many pet insurance policies available it makes sense to take time to choose the right one for you and your pet. Here are our tips for getting the very best deal on your cover:

Read the small print!
Cover can vary a great deal between providers so much absolutely sure that everything you need including is included in your pet insurance policy.

Shop around for the best deal:
If you have more than one pet of one type i.e. cat or dog, then get them insured together and you may make a saving of 10% or more. Also remember that the very cheapest policy will not always be the best, but sometimes it may be so be sure to compare like for like when looking for the best cover.

Some pets cost more than others:
If you have a a pedigree dog or cat or a very rare reptile than be prepare to pay an extra supplement. This is because some breeds are more prone to injury and illness than others.

Insurance your pet as soon as you can:
If your cat or dog is aged 8 years or over, you may have trouble qualifying for pet insurance. There are some insurers that offer senior pet insurance, but not many. If you want your pet to be covered for life, then arrange pet insurance at least 6 months before your pet’s 8th birthday, because once your pet is insured then you can carry on for the rest of your pet’s life, regardless of age.

Remember the excess:
As with other insurance policies, every time you make a claim on your pet’s insurance you will have to pay an excess fee. This is a low payment usually ranging from £30 to £60. To lower your premiums on cheaper pet insurance plans, you can can normally agree a higher voluntary excess, but please bear in mind this could get expensive.

Forget the No Claims Discount:
There is no such thing as a no claims discount in pet insurance so it won’t matter how many claims you make in one year, you will only need to help with the payments if you exceed your maximum insured allowance for the year.