Pet insurance in Northern Ireland

Most of the pet insurance providers in the UK cover cats and dogs in Northern Ireland.

We have thousands of pet parents in NI who have chosen our cover.

ManyPets offers up £15,000 of lifetime vet fee cover along with 24/7 vet support online and much more.

Check out our pet insurance policies.

Read on to learn more about:

• Pet insurance for dogs in Northern Ireland

• Pet insurance for cats in Northern Ireland

• ManyPets’ pet insurance in Northern Ireland

• How much does pet insurance in Northern Ireland cost?

• Cheap pet insurance in Northern Ireland

• Compare pet insurance in Northern Ireland

Pet insurance for dogs in Northern Ireland

It can help to have pet insurance if your dog falls ill or is injured and it can also pay out if your dog bites somebody or damages their property.

Apart from vet fees and medication, pet insurance can also provide cover for loss, theft and death. And if your dog disappears, your insurance may pay out for advertising materials to help find it.

With so many companies offering cover, there is a range of policies that may be appropriate for different owners.

Owners of a breed that is prone to illness may want to consider a policy with a higher vet fee limit. Our Complete policy can cover up to £15,000 of vet fees a year and includes dental cover as standard.

If your dog is older you might want to find a policy that is better suited to an older dog. Unfortunately, a lot of insurers will quote higher premiums to owners of older dogs.

In addition, older pets are more likely to have suffered from medical conditions in the past. If your pet has or has had a condition, you might struggle to find cover and you might have to pay extra attention to the small print. Some insurers define a pre-existing condition as one a pet has suffered from at any point in its lifetime.

At ManyPets, we define a pre-existing condition as one a pet has had signs or symptoms, treatment, medication or advice for in the past two years.

We have created a specialist Pre-existing policy. Recent conditions will be covered unless they've shown signs or symptoms, or had treatment, medication or advice in at least three months. If they have, those conditions will only be covered once they've gone a three-month period without signs or symptoms, treatment, medication or advice.

If your dog is on the Dangerous Dogs (Northern Ireland) order 1991 list (a Pit Bull, Japanese Tosa or any dog bred for fighting) you might struggle to find cover altogether as most insurers will refuse to insure it.

Pet insurance for cats in Northern Ireland

Pet insurance could pay for advertising materials to help you find your cat if it goes missing.

Cats are smaller and arguably less likely to run into trouble than dogs, but they, too, can get injured or contract a disease resulting in a hefty vet bill.

In the case of a cat that was hit by a car and sustained eye and jaw injuries, the vet’s bill was £1,800, according to MoneySupermarket.

How much does pet insurance cost in Northern Ireland

The average annual premium for dog insurance in the UK is £366, or around £30 a month, according to Consumer Intelligence data based on 200 dog insurance quotes.

The average annual premium for cat insurance in the UK is £100, or around £8.33 a month, according to Consumer Intelligence data.

In November 2017 a quote for a small mixed-breed dog under two years old in a Belfast BT9 postcode was £21.38 on our Complete policy.

A quote for a mixed-breed cat in Belfast BT9 postcode was £12.61 on our Complete policy.

Please use the above quotes as a guide only.

Learn more about the costs of dog insurance here.

Learn more about the costs of cat insurance here.

Cheap pet insurance in Northern Ireland

Some policies, like accident-only policies, tend to be cheaper. An accident-only policy will cover vet fees if your pet is injured in an accident. These policies, although cheaper, will not cover you if your pet falls ill.

Time-limited and per-condition cover tends to be cheaper than more comprehensive lifetime policies.

Lifetime (or ‘yearly limit’) insurance covers vet fees up to the stated limit every year and it resets when you renew your policy. This can be an option if you worry about your pet developing a long-term or recurring illness. So 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.

With a lifetime product, it is important to note that your premiums may increase each year at renewal. This is different to a per-condition policy, where a particular condition can become excluded once the condition limit is reached. Please note that when your pet turns 9, a fixed excess plus 20% of each claim will apply.

You may be more likely to use up the cover available on a time-limited or per-condition policy, meaning you'll then have to pay for further vet treatment. The same can happen if you choose a cheaper policy with a low vet fee limit.

Some companies offer deals on their cover.

We offer a multi-pet insurance discount of up to 15% when you insure more than one pet on the same policy.

We’ve also listed the companies that offer the cheapest pet insurance for dogs.

Compare pet insurance in Northern Ireland

You can compare quotes on Compareni.com or get quotes from individual providers yourself.

However, use comparison sites with caution as some insurers might have made it into the top of the results by deliberately creating cheap policies with low levels of cover.

Other companies that offer pet insurance in Northern Ireland include:

• More Than

• Petplan

• Direct Line

• Animal Friends