Close
  • Existing customers
  • Help
  • Home
  • Pet policies
  • Pet guides
  • About us
Open menu Bought By Many
Existing customers
  • Pet policies
  • Pet guides
  • About us

Healthy Pets Insurance review


Home > News & Resources > Healthy Pets Insurance review

Healthy Pets Insurance review

Updated 22 March 2019
by James Alston

Key policy features

  • Healthy Pets offers four levels of pet insurance, ranging from Accident Only to Gold cover with £7,500 of vet fee cover

  • They insure dogs and cats up to 8 years of age
  • Healthy Pets allow you to insure up to 10 pets online
  • Summary

    Healthy Pets Insurance was founded in 1996 and they say they're one of the biggest independent pet insurers in the UK. Their pet insurance focuses on cats and dogs.

    Find out if Healthy Pets Insurance features in our Top Ten Pet Insurance list.

    Healthy Pets also links to ExoticDirect for people who need exotic pet cover for reptiles, rabbits, parrots and tortoises. ExoticDirect is a sister company of Bought By Many and by coordinating with them we’re offering 10% off parrot insurance for members of our group.

    We also have groups for bearded dragon and rabbit owners with ExoticDirect. Read our guide to the best pet insurance for exotic pets for more information.

    Healthy Pets is underwritten by Cranbrook Underwriting Limited.

    Overview of Healthy Pets insurance

    Healthy Pets insures dogs up to 10 years of age and cats up to 12 years of age. While many other insurers have a similar policy, it means owners with older pets can struggle to find cover.

    We've written a guide to help people find cheap pet insurance for older dogs here.

    Bought By Many uses the collective buying power of our members to negotiate better deals on insurance. Have a look at our pet insurance group for older dogs to see our latest offer.

    Healthy Pet also excludes claims for death from accident or illness for dogs aged 9 years or older and cats aged 11 years or older.

    There are four levels of cover to choose from at Healthy Pets:

    Accident Only No cover for illness, up to £1,000 in vet’s fees for accidents, nothing for death from accidents, nothing for theft or straying, 12-month cover for ongoing conditions and no overseas travel.

    Bronze Cover for accidents and illness, up to £1,000 in vet’s fees, nothing for death from accidents, nothing for theft or straying, lifetime cover for ongoing conditions and 30 days’ cover for overseas travel.

    Silver Up to £4,250 in vet’s fees, £500 compensation for death by accident or illness, £500 for theft or straying, lifetime cover for ongoing conditions and 30 days’ cover for overseas travel.

    Gold Up to £7,500 in vet’s fees, £1,000 compensation for death by accident or illness, £1,000 for theft or straying, lifetime cover for ongoing conditions and 12-month cover for overseas travel.

    Lifetime re-instatement extra Up to £2000 vet fees per year, (£1000 per condition each year) £500 for death by accident or illness, £500 for theft or straying, lifetime cover for ongoing conditions and 30 days' cover for overseas travel.

    The Lifetime re-instatement premier Up to £4250 vet fees per year (£1000 per condition each year) £1000 for death by accident or illness, £1000 for theft or straying, lifetime cover for ongoing conditions and 6 months cover for overseas travel.

    Healthy Pets can either pay you or your vet if you claim, which usually happens within 10 days of them receiving a completed claim form. Remember that your vet will have to agree to be paid directly if that’s the option you choose.

    Their wording relating to insuring pets with pre-existing conditions is a bit confusing on their website, so we emailed them to get a clear answer. Healthy Pets said that they do not cover any pre-existing conditions which pets have received treatment or advice about prior to the start date of the policy.

    In the first 10 days of the policy starting, they cover only accidents.

    In terms of excess, all pets under the age of 5 pay a fixed excess of £99. Between 5 and 6, the excess is £99 plus a co-payment of 15% of the cost of the claim. For any pets aged 6 or over, you’ll pay £100 and 20% of the claim.

    It’s important to note that if your pet receives treatment for the same injury or illness in separate policy years, you’ll pay the excess for each claim – in other words, for ongoing issues, you’ll pay excess every year if you claim.

    And if you claim for separate injuries or illnesses in the same year, you'll have to pay the excess for each claim.

    There are a few breeds of dog that Healthy Pets will not insure. These include the American Pit Bull Terrier, the Cao Fila and the Pit Bull Mastiff. However, they will insure most common breeds such as Labradors, German Shepherds and Golden Retrievers. A list of dogs they will not insure can be found on the Healthy Pets website.

    Healthy Pets has been nominated for and won several awards over the years. They were finalists for the Insurance Times Tech Awards three years running in 2013, 2014 and 2015.

    If you want to examine Healthy Pets' cover in more detail, have a look at the policy documents on their website.

    How much does Healthy Pets insurance cost?

    As with most pet insurance companies, the cost of cover will vary depending on factors like your pet’s age, its breed, and where you live.

    The average pet insurance policy for UK dog owners is £366 a year, according to our research.

    Healthy Pets provides some example quotes for different breeds using the postcode GU32 3QF. Prices were correct on September 6 2016.

    On the website they provide this table which compares four different pets and their annual policy price:

    Breed information Cheapest annual price of Healthy Pets' Gold policy
    Medium Crossbreed, 0yr, male, neutered, purchase price £50 £184.44
    Yorkshire Terrier, 1yr, unneutered, purchase price £300 £153.60
    Moggie, 1yr, neutered, purchase price £50 £115.92
    British Shorthair, under 1yr, neutered, purchase price £250 £114.36

    Remember, the cheapest insurance isn’t necessarily the best. Check out our list of Top 10 Pet Insurance for more information.

    What customers say about Healthy Pets

    Healthy Pets has a score of 8.3 out of 10 on Trustpilot based on 741 reviews.

    What the experts say

    Independent financial researcher Defaqto has rated Healthy Pets’ Gold insurance policy as 5 Star. Silver was rated as 3 Star, Bronze as 2 Star and Accident Only as 1 Star. Bear in mind that Accident Only insurance policies are often rated as 1 Star on Defaqto because they are less comprehensive than other policies.

    A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

    A 5 Star rated policy is an “excellent product” and has “a comprehensive range of features and benefits”. A 3 Star rated policy is “a standard product” that provides “an average level of features and benefits”, and a 1 Star rated policy is “a basic product” that offers “a low level of features and benefits”.

    • Pet

    This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.


    Next related articles

    • Best Exotic Pet Insurance

      Best Exotic Pet Insurance

      Best Exotic Pet Insurance

    • Pet insurance FAQs

      Pet insurance FAQs

      This page aims to answer some of the most common questions about pet insurance.

    • The Cheapest Pet Insurance for Dogs

      The Cheapest Pet Insurance for Dogs

      The Cheapest Pet Insurance for Dogs

    • Do your pets need travel insurance?

      Do your pets need travel insurance?

      Do your pets need travel insurance?

    • Best Pet Insurance for Dogs 2021

      Best Pet Insurance for Dogs 2021

      Compare the best pet insurance for dogs in the UK. Learn about cover levels and how to find the top policies.

    • Cheap Pet Insurance for Cats

      Cheap Pet Insurance for Cats

      We look at what's available from different pet insurance companies to find the cheapest pet insurance for cats in 2019.

    • Pet liability insurance

      Find out about liability cover in pet insurance.

    • Top 10 Pet Insurance

      Top 10 Pet Insurance

      Top 10 Pet Insurance

    Next related articles Previous Next
    • Reviews & guides
    • About
    • Jobs
    • Testimonials
    • Terms
    • Privacy
    • International
    • Help

    Bought By Many Ltd is a company registered in England and Wales with number 7886430. Address: 1-10 Summers Street, London EC1R 5BD. Bought By Many Ltd is authorised and regulated by the Financial Conduct Authority - Register number 652623. This register can be checked for details of our permissions, history and contact details.