Best Dog Insurance Company Plans Reviewed by Real Pet Owners (2022)

Comparing Dog Insurance

Find & Compare the Top Pet Insurance Companies

The best dog insurance plan is custom to your pet

By purchasing dog insurance, you promise the best healthcare for your dog.

Things to consider when searching for a health insurance plan for your dog:

What is the cost of available dog insurance options?
Factors like breed and age will determine deductibles and monthly premium offers. When it comes time to enroll in a pet plan, you need to ensure the pet insurance plan provides adequate coverage at an affordable price.

What do you want your plan to cover?
You should consider if you want a plan for emergencies, or do you want coverage for routine care included? It’s also important to look into pet insurers with the best pet health care network; this will ensure your pet is covered by nearly every licensed veterinarian, depending on what policy you opt for.

What are other pet owners saying about the provider?
We recommend choosing pet insurance companies that provide excellent customer service and clear cost information that you understand.

Here are the top pet insurance companies based on reviews from pet parents just like you!

Best Dog Insurance Company Plans Reviewed by Real Pet Owners (1) US Providers

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (2)US Providers
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (3)US Discount and Pet Health Protection Providers
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (4)Canadian Providers
  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (5) Lemonade

    9.8

    622

    $100, $250 or $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Policies start at $10/Month

    Coverage

    Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%,80%, or 90% after the deductible.

    Deductible

    $100, $250 or $500 annually.

    Age Limit

    Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coveragefor pets as they age.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (6) Trupanion

    9.7

    51517

    $0 to $1,000 per condition

    Can enroll pets from birth

    Cost per month

    Your monthly rate is determined by multiple factors, including your pet’s species, gender, breed, age, and zip code, and the deductible amount you choose.

    Coverage

    The Trupanion policy pays 90% of the bill for all eligible expenses once your deductible is met. Coverage includes: new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. If you want extra coverage for your pet, Trupanion has three additional riders you can add on for an extra fee.*Coverage varies by state. Please review your states policy for full coverage details.

    Deductible

    Customize your deductible to fit your budget, from $0 to $1,000, in increments of $5. Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is met, you never have to pay the deductible for that condition again.

    Age Limit

    All new pets can enroll from birth until their 14th birthday, once your pet is enrolled, they are enrolled for their life

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (7) Healthy Paws

    9.7

    7036

    $250, $500 or $750 annually

    At least 8 weeks old to enroll

    Cost per month

    $15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.

    Coverage

    One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more.You can choose a co-pay of 10%, 20%, 30% or 40%.The pay-out amount is based on your actual vet bill.

    Deductible

    You can choose an annual deductible of $100, $250, $500 or $750**Choice depends on age of the pet

    Age Limit

    Pets must be at least 8 weeks old and under 14 years old at time of enrollment.Once enrolled, pets can stay insured regardless of age.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (8) Prudent Pet

    9.7

    124

    $100, $250 or $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage.Those rates vary based on species, age, breed as well as your location.

    (Video) Top Pet Insurance Companies 2022 | Vet Recommendations

    Coverage

    We cover based on the actual vet bill and have options for 90%, 80%or 70% reimbursement.

    Deductible

    Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

    Age Limit

    We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (9) Fetch

    9.6

    115

    $250, $300 or $500 annually

    At least 6 weeks old to enroll

    Cost per month

    Plans average $35/month for dogs and $25 /month for cats

    Coverage

    You choose a reimbursement level of 70%, 80% or 90% after your deductible.

    Deductible

    $250, $300 and $500

    Age Limit

    Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.Some providers limit coverage for older pets to accident-only.Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (10) Spot

    9.5

    142

    $100, $250, $500, $750 or $1000 annually

    At least 8 weeks old to enroll

    Cost per month

    Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

    Coverage

    The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

    Deductible

    $100, $250, $500, $750 or $1000 annually.

    Age Limit

    No upper age limits. Pets must be at least 8 weeks old to enroll.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (11) Embrace

    9.3

    10224

    $100 – $1,000 annually

    At least 6 weeks old to enroll

    Request a quote

    Cost per month

    $13 – $100, depending on your chosen plan.

    Coverage

    You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.The pay-out amount is based on your actual vet bill.

    Deductible

    Annual deductible options from $100 – $1,000.

    Age Limit

    Pet must be at least 6 weeks old to enroll.New pets over 14 are eligible for accident-only coverage.Once enrolled, pets can stay insured regardless of age.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (12) Hartville

    9.3

    154

    $100, $250 or $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

    Coverage

    The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

    Deductible

    $100, $250 or $500 annually.

    Age Limit

    No upper age limits. Pets must be at least 8 weeks old to enroll.

    (Video) Best Pet Insurance in USA [Detail Reviews] 2022 | Top 10 US Pet Insurance Companies, Cost & Covers

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (13) PetPartners

    9.2

    98

    $100 – $1,000 annually

    At least 8 weeks old to enroll

    Cost per month

    $5 – $90 depending on coverage options chosen.

    Coverage

    You have a co-pay of 20% after your annual deductible.The pay-out amount is based on your actual vet bill.

    Deductible

    Choose from $100 – $1,000 annual deductible.

    Age Limit

    Pets must be at least 8 weeks old to enroll with no upper age limitCoverage options available for senior pets.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (14) ASPCA

    9.1

    5606

    $100, $250 or $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

    Coverage

    The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

    Deductible

    $100, $250 or $500 annually.

    Age Limit

    No upper age limits. Pets must be at least 8 weeks old to enroll.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (15) Pumpkin

    9

    47

    $100, $250 or $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

    Coverage

    Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

    Deductible

    3 options: $100, $250, and $500

    Age Limit

    No upper age limits. Pets must be at least 8 weeks old to enroll.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (16) Pets Best

    8.9

    7020

    $50 – $1,000 annually

    At least 7 weeks old to enroll

    Cost per month

    $6 and up, depending on your chosen plan.

    Coverage

    Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible.Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states).Two optional Wellness plans to cover routine care.24/7 Pet Helpline, powered by whiskerDocs is included on all policies.The pay-out amount is based on your actual vet bill.

    Deductible

    $50– $1,000 annually.

    Age Limit

    Pet must be at least 7 weeks old to enroll.Pets Best does not restrict coverage or availability for older pets.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (17) AKC

    8.8

    879

    $100 – $1,000 annually

    At least 8 weeks old to enroll

    (Video) Pet Insurance: What it costs, what it covers, and how to find the best

    Cost per month

    $5 – $90 depending on coverage options chosen.

    Coverage

    You have a co-pay of 20% after your annual deductible.The pay-out amount is based on your actual vet bill.

    Deductible

    Choose from $100 – $1,000 annual deductible.

    Age Limit

    Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (18) Figo

    8.7

    582

    $100, $250, $500, $750, $1,000 or $1,500 annually

    At least 8 weeks old to enroll

    Cost per month

    $9 to $135 on average depending on chosen plan.

    Coverage

    You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.The pay-out amount is based on your actual vet bill.

    Deductible

    $100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

    Age Limit

    Must be 8 weeks or older to enroll. No upper age limits apply.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (19) MetLife

    8

    1

    $50 to $500 annually

    At least 8 weeks old to enroll

    Cost per month

    Plans can start at just $29

    Coverage

    Customizable reimbursement rates from 70% to 100% of vet costs.

    Deductible

    Customizable deductibles from $50-$500

    Age Limit

    No upper age limits. Pets must be at least 8 weeks old to enroll.

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (20) Pet Assure

    9.4

    9

    No Deductible

    No age Limits

    Cost per month

    $9.95 to $21.95 per month depending on whether you have cats or dogs and how many.

    Coverage

    Pet Assureisa savings plan that offers a 25% discount on all veterinarian treatment from participating practicesfor in house medical servicesand can be used alongside Pet Health Insurance.

    Deductible

    No Deductible

    Age Limit

    No age Limits

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (21) Furkin

    9.8

    21

    Aged based annually

    At least 7 weeks old to enroll

    Cost per month

    As low as $15.50 per month for cats and $17.28 per month for dogs.

    Coverage

    Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S.All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.

    Deductible

    $100 – $1,150 annually, options vary by pet age.

    Age Limit

    Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.

    (Video) Pet Insurance 👉 Is it REALLY worth it?? 🤔 Here's the sad truth...
  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (22) Fetch

    9.6

    115

    $250, $300 or $500 annually

    At least 6 weeks old to enroll

    Cost per month

    Plans average $35/month for dogs and $25 /month for cats

    Coverage

    You choose a reimbursement level of 70%, 80% or 90% after your deductible.

    Deductible

    $250, $300 and $500

    Age Limit

    Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.Some providers limit coverage for older pets to accident-only.Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (23) Trupanion Canada

    9.4

    24141

    $0 – $1000 per condition

    Can enroll pets from birth

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code.

    Coverage

    One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.To view a full list of inclusions and exclusions, check out our sample policy here.

    Deductible

    Offers a flexible deductible from $0 – $1000, in $5 increments, to fit any budget.Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for a condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

    Age Limit

    All pets under 14 years old can enroll.Once enrolled, pets stay insured regardless of age.

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (24) PHI Direct

    9.4

    7

    $200 annually

    At least 7 weeks old to enroll

    Cost per month

    As low as $10.19 per month for cats and $15.20 per month for Dogs

    Coverage

    PHI Direct will cover:Alternative TherapiesAnesthesia & SurgeryApplicable TaxesBehavioural TherapyDental Tooth FractureDiagnosticsEmergency CareEuthanasiaExam FeesHospitalizationImaging – CT Scans, MRI and X-RaysMedical DevicesMedical ProceduresPrescription MedicationsReferral and Specialist FeesParasites

    Deductible

    $200 Annual Deductible

    Age Limit

    7 WeeksMust be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled

  • Best Dog Insurance Company Plans Reviewed by Real Pet Owners (25) Pets Plus Us

    7.8

    497

    $100 – $700 annually

    At least 7 weeks old to enroll

    Cost per month

    $19 – $89, depending on your chosen plan.

    Coverage

    You have a co-pay of 10%, 20% or 30%.The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.

    Deductible

    $100 – $700 age-based annual deductible.

    (Video) Is Pet Insurance Worth It? A Veterinarians Advice

    Age Limit

    Pet must be at least 7 weeks old to enroll.

FAQs

Which pet insurance has the best reviews? ›

  • Lemonade: Best Overall. ...
  • Spot: Most Customizable Plans. ...
  • Healthy Paws: Best Coverage Limit. ...
  • Figo: Best Extra Coverage Add-on. ...
  • Embrace: Best Deductibles. ...
  • Fetch: Best Holistic Coverage. ...
  • Trupanion: Best for Direct Payments. ...
  • ASPCA: Best for New Pet Owners.
5 days ago

What is the most cost effective pet insurance? ›

6 Best Cheap Pet Insurance Companies
  • Lemonade: Most affordable plans.
  • Spot: Most customizable.
  • Healthy Paws: Our pick for unlimited coverage.
  • Embrace: Our pick for savings.
  • ASPCA: Most experienced.
  • Fetch by The Dodo: Our pick for therapy coverage.
30 Sept 2022

Who Is More Than pet insurance underwritten by? ›

μ Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc, which is authorised and regulated by the Financial Services Authority as an insurance company and to undertake insurance mediation under Registration No . 202323 .

Is it worth shopping around for pet insurance? ›

Can you afford to pay that bill? If not, pet insurance might be worth considering. Pet insurance helps cover the cost of medical care for your furry friend. It can reimburse you for expenses like cancer treatment, emergency care, prescription medications and surgery.

Does nationwide pet insurance increase with age? ›

While most pet insurance companies do indeed raise premiums along with the pet's age, there is one that doesn't: Trupanion. All the rest that we looked at—including Embrace, Nationwide, and even ASPCA—increase premiums with age.

Can I get pet insurance after diagnosis? ›

Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type. The policy simply wouldn't cover any pre-existing conditions, diagnosed or not.

Is there pet insurance with no waiting period? ›

There are no pet insurance plans available without waiting periods. Every pet insurance company has waiting periods before your animal can be covered for care. The reason is simple: pet insurance companies want to make certain people buy coverage before their animals get sick.

At what age is pet insurance the Cheapest? ›

Our analysis found that the best prices were after a pet's first birthday until around age six. As your pet gets older, pet insurance costs can increase when you renew the policy.

How can I get discount on pet insurance? ›

How do I get a pet insurance discount?
  1. Multi-pet enrollment. Most providers offer discounts for insuring multiple pets. ...
  2. Employer-sponsored plans. ...
  3. Employee unions. ...
  4. Wholesale clubs. ...
  5. Special interest clubs. ...
  6. Bundling multiple policies. ...
  7. Military members. ...
  8. Senior citizens.

What is the best UK pet insurance? ›

Moneyfacts Star Rating: 5 Stars
  • Petplan is the UK's No.1 pet insurer.
  • Petplan insure over 1.3 million pets.
  • Award winning pet insurance.
  • Petplan covers things others don't.
  • 98% of Covered for Life® claims paid.
  • You won't pay more for claiming.
  • Petplan have over 40 years experience helping to keep pets healthy.

Is petplan expensive? ›

PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.

What is a good annual limit for pet insurance UK? ›

As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.

What Vets Do Tesco pet insurance use? ›

vetfone™ is included with all Tesco Bank Pet Insurance cover levels.
  • Friendly, expert advice from qualified Royal College of Veterinary Surgeons.
  • You'll speak to a nurse and could get a call back from a vet.
  • 24/7 access to free phone and video calls.
  • The option to upload photos whilst on a video or phone call.

Does claiming on pet insurance increase premium? ›

Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.

Can I insurance my dog twice? ›

Insuring your pet twice is perfectly legal, as long as you don't claim for the same thing with both pet insurance companies. However, having more than one pet insurance policy isn't recommended. Not only will you have to pay for two policies but you could also face problems if you need to make a claim.

How do pet insurance know about pre existing conditions? ›

Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.

Does nationwide pet insurance cover 90%? ›

Nationwide's Whole Pet with Wellness plan covers injury, illness and preventive care in a single plan, with 90% reimbursement on eligible veterinary expenses.

What is the annual limit for nationwide pet insurance? ›

Maximum annual limit options

Nationwide Whole Pet with Wellness has only an unlimited coverage limit. The Whole Pet plan has a $10,000 cap and the Major Medical plan applies caps per condition.

Will pre-existing conditions be covered in 2022? ›

Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

What is considered a pre-existing condition? ›

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.

Can insurance be denied for pre-existing conditions? ›

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

What pet insurance works immediately? ›

There is one company that offers almost instant pet insurance coverage, Companion Protect. Companion Protect is a young company with no waiting periods, but it reviews your pet's medical records beforehand, which can potentially take a few days.

Does pet insurance Help with surgery? ›

Pet insurance plans may cover medically necessary surgeries, including emergency surgeries and some preventative procedures. Optional or elective surgeries are usually not covered, and some surgeries may be excluded if they're related to a pre-existing condition.

Should you get pet insurance before going to the vet? ›

I recommend getting pet insurance BEFORE ever bringing the pet in for an exam. In my experience, owners with pet insurance are able to make decisions based on expected prognosis rather than cost when they know that some or all of the veterinary care is covered.

At what age does dog insurance increase? ›

Some pet insurers will increase your premiums because of a claim. And prices are likely to increase more steeply when your pet is older than 7 or 8. And for some breeds prices can start to increase at younger ages.

How Much Is pet insurance a month? ›

Monthly premiums can range from as low as $10 to higher than $100, though most pet owners can expect to pay between $30 and $50 per month for a plan with decent coverage. Your pet's age, species and breed, as well as where you live and the coverage you choose, all factor into your insurance rates.

Can I insure an old dog? ›

Lifetime pet insurance tends to be the most expensive option, but it can be the best choice for older dogs. If you want to make sure your pooch receives the care they deserve as they get older, this can cover your dog for life, as long as you renew the policy every year.

Does lemonade cover hip dysplasia? ›

Lemonade offers one standard pet insurance plan that covers both accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more.

What is the annual deductible for pet insurance? ›

Deductibles generally range from $50 to $1,000. The most common deductible chosen by pet owners is $250. When we think of a pet insurance deductible, we typically think of it as being an annual deductible because this is the most common.

How long does pumpkin take to review claims? ›

Pumpkin has a 14-day waiting period for accidents and illnesses. Embrace also has a six-month orthopedic condition waiting period for dogs.

Is petplan ultimate worth it? ›

Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.7 out of 5.0 stars from over 10,000 reviews. 85% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims.

What should I look for in dog insurance? ›

These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.

How is petplan? ›

Petplan's offerings and services are limited. It doesn't pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn't offer lots of extras, like wellness coverage or a helpline.

Why is my dog insurance so expensive? ›

Even if your pet is completely healthy now and you have never made a claim, your pet insurance may still increase. This is because your insurance company is pre-empting large insurance claims based on medical research and history of other pets of a similar breed and age.

What do you get with petplan? ›

We will pay the boarding fees for your pet while you are unable to look after them, again up to the specified amount.
  • Vet fees. ...
  • Complementary treatment. ...
  • Dental. ...
  • Third Party liability insurance. ...
  • The cost of finding a lost pet. ...
  • Purchase price. ...
  • Hospital visits.

Does petplan pay euthanasia? ›

Petplan will cover these euthanasia costs provided your pet was suffering due to an injury or illness that your vet believes could not be treated. Costs related to cremation, burial or disposal are not covered. Euthanasia is covered by some pet insurers, but not all.

Does petplan cover MRI scans? ›

We cover the cost of MRI scans, CT scans and ultrasounds so your vet can diagnose problems quickly.

What happens to pet insurance when pet dies? ›

The "Death from Illness or Injury" section of pet insurance, when applicable, typically covers the purchase or donation price of your pet if it dies or has to be put to sleep by a vet as a result of an illness or injury.

What is the best UK pet insurance? ›

Moneyfacts Star Rating: 5 Stars
  • Petplan is the UK's No.1 pet insurer.
  • Petplan insure over 1.3 million pets.
  • Award winning pet insurance.
  • Petplan covers things others don't.
  • 98% of Covered for Life® claims paid.
  • You won't pay more for claiming.
  • Petplan have over 40 years experience helping to keep pets healthy.

Is petplan expensive? ›

PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.

How is petplan? ›

Petplan's offerings and services are limited. It doesn't pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn't offer lots of extras, like wellness coverage or a helpline.

What should I look for in dog insurance? ›

These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.

Is petplan ultimate worth it? ›

Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.7 out of 5.0 stars from over 10,000 reviews. 85% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims.

What is a good annual limit for pet insurance UK? ›

As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.

What Vets Do Tesco pet insurance use? ›

vetfone™ is included with all Tesco Bank Pet Insurance cover levels.
  • Friendly, expert advice from qualified Royal College of Veterinary Surgeons.
  • You'll speak to a nurse and could get a call back from a vet.
  • 24/7 access to free phone and video calls.
  • The option to upload photos whilst on a video or phone call.

How can I reduce pet insurance costs? ›

7 top tips to cut the cost of pet insurance
  1. Check if your pet is entitled to free treatment.
  2. Checking you have the level of cover to suit your pet's needs.
  3. Consider policies with a percentage of co-pay towards claims.
  4. Keeping your pet healthy.
  5. Considering spaying or neutering your pet.

Why is my dog insurance so expensive? ›

Even if your pet is completely healthy now and you have never made a claim, your pet insurance may still increase. This is because your insurance company is pre-empting large insurance claims based on medical research and history of other pets of a similar breed and age.

Does pet insurance go up if you make a claim? ›

Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.

Does Petplan cover diagnostic tests? ›

Petplan's Covered For Life® insurance is designed to give pets like Murphy the best possible care. We offer a breadth of cover that allows you to go ahead with the diagnostic tests and treatment that your vet recommends.

Can I cancel Petplan at any time? ›

premium you have paid for cover after that renewal date. If you cancel at any other time, we will refund any amount you have paid for cover after the cancellation date. You can find our contact details on the back of this booklet.

Is fetch and Petplan the same? ›

About Fetch by The Dodo

In 2019, Petplan was acquired by Warburg Pincus. In 2020, The Dodo acquired a minority stake in Petplan, rebranding it as Fetch by The Dodo. Its insurance policies are administered by Fetch Insurance Services, LLC and underwritten by XL Specialty Insurance Company and AXIS Insurance Company.

How do pet insurance know about pre-existing conditions? ›

Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.

Are male or female dogs cheaper to insure? ›

Most insurance companies will cost you more if you have a male dog – this is because male dogs are more likely to get injured or into fights, causing pay outs. Female dogs can also recover better from disease than males, which can reduce their insurance costs.

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