Do you have a dog and want to know if having pet insurance is worth it?
The simple answer is: yes, taking out a dog insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.
In this guide, we’ll detail all the different types of dog insurance, the average cost of taking out a dog insurance and and we’ll also give you an indicative quote to find the best pet insurance for your dog.
Table of Contents
What type of dog insurance is best for you?
When researching the best insurance policy, there are different policy types to consider. From the least comprehensive to the most, these are:
|Level of coverage||Details|
|Maximal benefit cover|
What is the best dog insurance?
As seen above, there are four levels of coverage to insure your dog. Your premium will depend on the level of coverage you choose and on how much you wish to be covered. In this table below, we will indicate quotes for lifetime coverage, so that you can have an idea of the prices.
Which is the best lifetime dog insurance?
|Insurers||Vet fees||Note||Get a quote|
Vet fees limit From £4,000 to £12,000
|Get a quote|
From £1,000 to £6000 annual condition limit
|Get a quote|
|Excess: £100 if under 8 years old|
Vet fees limit from £3,000 to £12,000
|Get a quote|
| Excess: £95 |
(15% more on each claim)
Vet fees limit from £3,000 to £6,000
|Get a quote|
|Vet fees limit from £4,000 to £12,000||Get a quote|
|Vet fees limit from £6,500 to £12,500||Get a quote for Lifetime|
Get a quote for Lifetime Plus
How much is dog insurance?
It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:
- Your dog’s age, The older your dog is, the more expensive it will be to insure your dog.
- Where you live in the UK. Vet fees are not the same all over the UK.
- Whether your dog is a pedigree or not. Often, you will be asked when taking out dog insurance if your dog is a pedigree. A pedigree can be more expensive to insure as as they are prone to having poorer health.
- Your dog’s breed. Some breeds are more more likely to have an illness than others. The less expensive breed is golden Retriever whereas one of the most expensive breed is bulldogs.
The average cost of dog insurance in UK is about £30 and £40 per month.
What does dog insurance cover?
Not all insurers offer the same features, so check before insuring your dog. Here is a little table that shows what is usually covered by a dog insurance:
|Included or not||Details|
|Vet fees||You can ask money back for vet fees if your dog received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your dog died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your dog if you have an emergency|
|Overseas travel cover||Your dog is covered in another country|
|Third party liability cover||Covers legal liability if your dog causes damage or injury. |
For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.
What is not included in your dog insurance?
Often, these kind of features are not included in your dog insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your dog’s existing conditions.|
|Routine medical treatment||Your dog insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for dog insurance.|
|International cost||Some insurers won’t offer to cover your dog abroad.|
|Dental treatment||Often excluded from dog insurance.|
|dog age||Sometimes your dog will not be covered if your pet is considered too old.|
Can you get a discount when taking out dog insurance?
Lot of providers propose a discount when insuring your dog online:
|10% discount via Aviva* if your buy online your dog insurance10% multi pet discount|
|10% discount if your buy online your dog insurance|
|25% discount if your buy online your dog insurance|
|12 month cover for the price of 9 month|
|If you take out your puppy insurance at Direct Line, you can get 12 months cover instead of 9 month cover|