We've looked at the latest independent research and reviews of pet insurance for dogs to bring you the Best UK Dog Insurance Companies for 2021.
Before you see the full list...
We were voted Pet Insurance Provider of the year in the 2021 Moneyfacts Consumer Awards and we had more than 20,000 five-star reviews on Feefo in the last year. We offer up to £15,000 of vet fee cover, including dental cover, with our Complete policy.
Pros and cons of pet insurance comparison sites for dogs
In general, services like GoCompare, Compare the Market and Moneysupermarket have been great for consumers.
Price comparison sites have:
Encouraged competition between pet insurance companies
Made customer reviews and recommendations of pet insurance policies more transparent
Brought prices down for dog owners
But there have also been some negative consequences. Some insurance companies have created cheaper dog insurance policies that have low levels of cover, because they want to appear at the top of pet insurance comparison tables.
Price comparisons are a great resource. But if you use them, be sure to check the policies have enough cover for your pet and that you compare policies with like-for-like cover levels and features.
How cheap dog insurance plans compare to the best policies
Animal Friends’ Basic pet insurance policy is available for dogs for under £10 a month. It provides £1,000-£4,000 of cover for vet bills – and as it’s a 'time-limited' pet insurance policy, it will only pay out for an illness for a period of 12 months. After that, you'll have to pay for treatment for that condition yourself.
There are similar limitations with cheap lifetime dog insurance policies.
With Helpucover’s Vital pet insurance there is no time limit on the payout but its £2,000 of vet bills cover is subject to a limit of £500 per condition per year.
By contrast, comprehensive lifetime dog insurance policies from established market leaders like Petplan, More Than, and John Lewis Finance Insurance can offer up to £12,000 of vet fees cover with no time limit or condition-related caps.
Bought By Many's Complete cover is a lifetime policy that includes up to £15,000 of vet fees and dental work as standard. It's the most comprehensive policy on the market.
Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year.
This can be a good option if you worry about your pet developing a long-term or recurring illness. For example, Labrador Retrievers can be at risk of developing hip or elbow dysplasia, if their parent dogs carried the gene. As long as you renew a lifetime policy each year, the level of vet fees will reset to the full stated limits that you started with.
But it's important to understand that your premiums can change each year at renewal with lifetime pet insurance.
With a 'per condition' policy, a particular condition can become excluded once the condition limit is reached. That's wht many vets believe lifetime pet insurance cover is the best option for dogs.
Here's what vet Rory Cusack recommends: "Good quality means lifelong cover. Any of these policies that run year to year are hardly worth having, because you'll get an incident, there'll be an exclusion put on that for life and nobody else will touch it." (taken from the BBC story, Pet Insurance - Best Friend or will it bite you?).
Which companies provide which brands of dog insurance?
There are dozens of companies that offer pet insurance but many of their policies are provided by a handful of insurers.
We've grouped policies based on the insurance company that provides the cover for your dog, rather than just the brand they are marketed and sold under.
Brands can put their own spin on cover levels and customer service, although it's not uncommon for companies with the same provider to offer similar policies.
Which pet insurance providers own which brands
Pet insurance company
John Lewis Finance Plus, John Lewis Finance Premier, More Than Classic £8,000, More Than Premier, Argos Platinum, M&S Bank Premier
Petplan Ultimate, Petplan Classic, Sainsburys Premier, Sainsburys Premier Plus, KBIS Select Plus, Pet ID Select Plus, The Co-op Insurance Select Plus, Animalcare Select Plus
Aviva Platinum, Masterquote Gold, PDSA Premier, Petwise Health Insurance Gold, Protect Your Bubble Premier, LV= Premier
esure Pet Plus, Debenhams Gold, Buddies Premier Plus, Asda Money Superior
U K Insurance Limited
Direct Line Pet Insurance, NatWest Private Pet Insurance, RBS Private Pet Insurance, Confidas Pet Insurance
Helpucover Premier, Motability Premier, Post Office Money Premium Plus
Provided by other insurance companies
Animal Friends Insurance Prestige, Healthy Pets Insurance Gold, NFU Mutual Perm Health, Agria Pet Insurance, PetGuard, NCI Pet Insurance
You might have noticed some similarities in the policy names.
The similarities go deeper than that. You can usually expect a similar experience from brands who share the same provider. For example, making a claim may involve a similar process with John Lewis Finance as it does with More Than, because they're are both provided by RSA).
Pet insurance reviews
Learn more about the best pet insurance companies and find out what their customers think by reading our expert reviews.
If you'd like to see reviews of Bought By Many's insurance and groups check out our Feefo page We're one of the few companies that publishes its claims reviews.