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There are four types of pet insurance:

  • Accident only: This type of policy usually only covers medical expenses that you incur when your pet is injured in an accident. For that reason it’s usually the cheapest type of pet insurance, but it does mean you’ll have to cover the cost yourself if your pet needs medical attention for an illness. Some of these accident-only policies also limit the total amount they’ll pay out for a single accident, while others might only pay out for a limited period of time after a pet is injured.


  • Time limited or Annual: These policies provide cover for a specific time, usually 12 months, to cover accidents or short-term illnesses. Unlike lifetime insurance, this type of insurance policy gives you the flexibility to switch insurance provider if you wish, but it’s important to bear in mind that each new insurance policy you take out might become more costly than the last


  • Per condition: Also known as ‘maximum benefit’ cover, per condition policies allocate a fixed sum of money to treat each illness or injury. Depending on the policy you choose the limit might be a certain amount of money, or it might cover the condition for a certain amount of time following its diagnosis. This could be a good option if you’re looking for cheaper UK pet insurance.


  • Lifetime: This is usually the most expensive type of pet insurance, but is also the most comprehensive level of cover available. Provided your pet doesn’t have any pre-existing medical conditions when you first sign up for this type of policy you will usually be covered for most types of illnesses, up to a maximum annual pay-out amount. These policies are sometimes known as annual benefit policies, because they have a per-condition limit that is renewed annually along with the policy.


Give your pets the protection they deserve with the best pet insurance in the UK


Nearly half of all households in the UK are home to pets, according to data from the RSPCA.That’s almost 12 million pet-owning homes across Britain and rather more pets (as many homes have more than one).

Whether your pet(s) have paws, claws, or floppy ears, the cost of caring for your beloved furry friends can soon mount up especially when they get ill or are injured and need to make an unexpected visit the vet.

That’s why it’s vital that pet owners like yourself decide to take out the best pet insurance policy they can for their pampered pooches, feline friends or roving rabbits.