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Compare cheap pet insurance quotes from £5.63*

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  • Find cover and protect yourself from unexpected vet bills

  • Choose the level of cover that suits you and your pet

  • Get quotes from up to 261 trusted UK insurers in minutes

*Prices based on Confused.com data taken between November 2023 - January 2024. Costs shown are based on the average price paid for cover across all ages, breeds and in all locations.
1Correct as of July 2024

What types of pet insurance are there?

Accident only

These policies generally offer the lowest cover level. In the event of an accident, treatment costs are covered by your insurer. There's normally a cap on how much you can claim per injury. If you reach this limit, you won't be able to claim for any further treatment for that injury.

Illnesses or pre-existing conditions aren't covered with this type of insurance, so you have to pay for any treatment for these.

Time limited

Illnesses are covered as well as accidents, but there is a set period of time in which you can make a claim.

Your cover period is typically 12 months. During this you can claim for any condition your pet develops.

Once your policy ends, any conditions you've claimed for are considered 'pre-existing'. This means they aren't covered by any new policies you take out.

Maximum benefit

Maximum benefit policies cover injuries and illnesses for the duration of your policy, up to a set limit. There's no set time period in which you need to claim, unlike time limited policies. But, there is a cap on how much you can claim for each injury or illness.

Once you've reached this limit for a certain condition, you aren't able to claim for that condition again. So, if your pet requires further treatment, you need to pay for it.


These policies are designed to offer the most comprehensive cover and last for the duration of a pet's life, as long as it's renewed each year.

Unlike other policy types, lifetime pet insurance continues to cover conditions that you've already claimed for, as long as you renew your policy with the same insurer. If you take out a policy with a new provider, pre-existing conditions are unlikely to be covered.

How do I compare pet insurance quotes?

Getting pet insurance quotes only takes a few minutes. Just follow these steps:

Number 1 icon

Tell us about your pet

To compare quotes we need to know whether you're insuring a cat or dog, along with their age, gender and breed.

Number 2 icon

Tell us what cover you need

Let us know what type of policy you need. We also need to know the amount of cover you need (up to £4,000).

Number 3 icon

Tell us about you

We need to know a few details about you, including your name, age and address.

How to choose the right policy

"There isn't a one-size-fits-all policy when it comes to pet insurance. You need to consider factors such as breed, age and gender along with any other requirements to find the best cover for your pet. If you have multiple pets, it's always worth comparing multi-pet cover as some insurers offer discounts. Comparing different policies can help you decide what you need from your cover, and help you avoid paying for unnecessary extras."
Faith Tagg - Confused.com pet insurance expert
Pet insurance expert Confused.com logo

Compare cheap pet insurance quotes

What does pet insurance cover?

All pet insurance policies cover treatment costs for accidental injury. It's possible to get additional extras and cover, but this generally comes at a higher cost.

Exactly what's covered can differ from insurer to insurer, so check your policy documents to see what you can claim for.


Pet insurance typically covers:

  • Treatment for accidental injury, although exactly how much you can claim for, and for how long, can vary.
  • Treatment for unexpected illnesses, unless you buy an accident only policy.
  • Diagnostic tests to determine what treatment your pet requires.
  • Boarding fees for kennels or catteries if you have to spend time away from home unexpectedly, and need somewhere to care for your pet.
  • Liability cover if your pet causes damage to a third party.
  • Advertising costs to cover production and distribution of posters if your pet goes missing.
  • Reward if you decide to incentivise the efforts to locate and return your pet if they go missing.
  • Hydrotherapy to help relieve pain, reduce swelling and recover following surgery.
  • Euthanasia, or putting your pet to sleep to ease their pain and suffering from an illness or injury.

It normally doesn't cover:

  • Preventative treatment including vaccinating, neutering or spaying your pet.
  • Dental treatment, although some insurers may offer dental cover as a policy add-on for an additional cost.
  • Microchipping, but it's a legal requirement to have any dog over the age of 8 weeks microchipped. From 10 June 2024, it's a legal requirement to microchip cats before they reach the age of 20 weeks.
  • Pre-existing conditions or those you've claimed for previously. Pre-existing conditions policies do exist, but they can be much more expensive. We don't currently offer these at Confused.com.
  • Routine check-ups such as general health checks.
  • Treatment for behavioural problems, like if your dog is aggressive towards other dogs.
  • Breeding or pregnancy, including any complications that may arise during the process.

Does pet insurance cover pre-existing conditions?

No, pet insurance policies don't typically cover pre-existing conditions. These conditions are illnesses or injuries your pet is diagnosed with and receives treatment for before you buy an insurance policy. It also includes any conditions you've previously claimed for, as well as chronic or ongoing conditions. For example, diabetes or joint issues.

The exception to this is lifetime pet insurance. As long as you renew your lifetime policy with the same provider, cover for pre-existing conditions should continue. If you switch providers, you might lose cover for these conditions.

It's possible to find policies tailored to pets with pre-existing conditions. But, they're normally more expensive than regular policies, and your choice of insurers might be limited. So, you might not be able to find suitable insurance for a pre-existing condition. In this instance, you could consider excluding the condition from your policy, but you would need to cover any medical treatment relating to it yourself.

Other types of pet insurance

Cat insurance

Compare insurance policies for your cat and get covered today.

Multi-pet insurance

Protect all your pets on a single insurance policy.

Older dog insurance

Compare policies and get covered for your older dog.

How much is pet insurance?

The cost of pet insurance varies based on the level of cover you buy and the type of pet you're insuring. To give you an idea of how much you're likely to pay, here's the average monthly price pet owners pay for their insurance*:

Policy type Dog Cat
Accident only
Time limited
Maximum benefit

*Prices based on Confused.com data taken between November 2023 - January 2024. Costs shown are based on the average price paid for cover across all ages, breeds and in all locations.

What affects the price of pet insurance?

How much you pay for your pet insurance is based on:

  • The type of policy you choose: More comprehensive policies that have broader cover tend to cost more. For example, lifetime pet insurance is normally more expensive than other policy types.
  • The amount of cover you want: The higher the amount of treatment you can claim for, the more you typically pay for your policy. You can choose the level of cover you need when you get a quote.
  • Your pet's age, breed and species: It's generally more expensive to insure older pets because they have a higher risk of illness or injury. If your pet is at higher risk of health issues because of their breed, you might also pay more. An example of this is dogs with short noses or a flat facial shape that are vulnerable to Brachycephalic Obstructive Airway Syndrome (BOAS).

How can I get cheaper pet insurance?

Like other insurance products, the price of pet insurance is based on risk. So, reducing your pet's risk for certain conditions can lower the cost of insurance.

Here are a few things that might help lower the price of insurance:

  • Comparing quotes is quick and easy. It means you can compare policy details as well as prices. So, you can find the best deal in minutes for the policy that's best suited to you and your pet.
  • Choosing a higher policy excess. This is the amount you pay towards claims. Generally, a higher excess means lower policy costs. Just make sure you set it at a level you could afford to pay if you needed to make a claim.
  • Neutering or spaying can lower the risk of your pet developing health problems. For example, it can reduce the risk of testicular cancer in male cats or dogs.
  • Vaccinating your pet can help protect them against certain illnesses. This reduces the chance of you needing to seek medical attention for them.
  • Keeping your pet a healthy weight can reduce their risk of obesity-related conditions.
  • Reducing the risk of them being stolen. Making sure your dog has good recall, keeping them in secure areas and staying vigilant can reduce the risk of your dog being stolen. GPS trackers can help you keep track of your cat's location.
  • Multi-pet insurance is also an option if you have more than one pet. These policies often work out cheaper than the cost of several individual policies. But, it's worth comparing quotes for single pet insurance and multi-pet insurance to make sure you're getting the best price.

Compare cheap pet insurance quotes

How much cover do I need?

Vet treatments can cost thousands of pounds, and more complex issues could be even more expensive. These bills can be unexpected and hard to plan for. So, having a policy in place gives you peace of mind that if anything happens, your pet is covered.

But, taking out the right level of cover is important. Taking out too much cover might leave you with a policy you can't afford. Not taking out enough cover leaves you at risk of having to spend thousands on unexpected vet bills.

You should consider how comprehensive you want your cover to be, and how much you can afford to pay. When you compare quotes with Confused.com, you can select the level of cover you want - either £1,000, £2,000, £3,000 or £4,000.

Why compare pet insurance quotes with Confused.com?

  • Compare quotes from up to 261 pet insurance providers

    We work closely with a panel of trusted UK pet insurance providers to get you our best deals. We compare your details against all of them to show you our best prices available to you.
  • Choose the cover level that suits you

    When you compare pet insurance quotes with Confused.com, you can choose the policy type and level of cover you want. So, you can tailor your quotes to suit your needs.

  • Our content is reviewed by our expert panel

    Our expert panel reviews all content to make sure it's accurate. Learn more about our editorial standards.
  • We're 100% independent

    This means we're not owned by any insurance company. So, the quotes you see are our best available prices based on the information you gave to us, not who they're from.

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Page last reviewed: 04 June 2024

Reviewed by: Faith Tagg

Confused.com’s Pet Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. theidol.com is part of the Legal & General group.

Our service is free to use and compares a wide range of trusted household names. Confused.com is an intermediary and receives a commission from theidol.com if you decide to buy through our website. Our commission is based on a percentage of a fixed price per pet insured, but will not increase your premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.