What Is The Best Dog Insurance?

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Do you have a dog and want to know if having pet insurance is worth it?

The simple answer is: yes, taking out a dog insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.

In this guide, we’ll detail all the different types of dog insurance, the average cost of taking out a dog insurance and and we’ll also give you an indicative quote to find the best pet insurance for your dog.

What type of dog insurance is best for you?

When researching the best insurance policy, there are different policy types to consider. From the least comprehensive to the most, these are:

Level of coverageDetails
Accidental only
  • Pet insurance basic level
  • Cover for vet bills in case of an accident
Time limited
  • This policy usually lasts 12 months
  • Covers accident and short-term illness
Maximal benefit cover
  • Also known as a ‘per condition’ policy
  • A sum of money is allocated for each illness covered
  • Most comprehensive policy
  • Covers vet fees up to a stated limit
Pet insurance – Level of coverage

What is the best dog insurance?

As seen above, there are four levels of coverage to insure your dog. Your premium will depend on the level of coverage you choose and on how much you wish to be covered. In this table below, we will indicate quotes for lifetime coverage, so that you can have an idea of the prices.

How much is dog insurance?

It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:

The average cost of dog insurance in UK is about £30 and £40 per month.

What does dog insurance cover?

Not all insurers offer the same features, so check before insuring your dog. Here is a little table that shows what is usually covered by a dog insurance:

Included or notDetails
Vet fees
  • Included in all type of policies
You can ask money back for vet fees if your dog received medical treatment
Advertising and rewards
  • Often included in Lifetime cover
  • Often not included in basics insurance
You can claim the money back for the cost of your reward and your advertising spend
Death by illness or accident
  • Often not included in basics insurance
  • Sometimes covered by Lifetime.
You can claim if your dog died because of an accident or because of an illness
Boarding fees
  • Often not included in basics insurance
Covers the cost of boarding your dog if you have an emergency
Overseas travel cover
  • Often not included in basics insurance
Your dog is covered in another country
Third party liability cover
  • Included in basics insurance
Covers legal liability if your dog causes damage or injury.
For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.
Dog insurance cover

What is not included in your dog insurance?

Often, these kind of features are not included in your dog insurance:

Not includedDetails
Treatment for preexisting conditions
Most insurers won’t cover your dog’s existing conditions.
Routine medical treatment
Your dog insurance won’t cover your routine medical treatment such as vaccinations, for example.
Behaviour treatment
This kind of feature is often not provided for dog insurance.
International cost
Some insurers won’t offer to cover your dog abroad.
Dental treatment
Often excluded from dog insurance.
dog age
Sometimes your dog will not be covered if your pet is considered too old.
What is not covered by your dog insurance

Can you get a discount when taking out dog insurance?

Lot of providers propose a discount when insuring your dog online:

logo aviva temporary 1
10% discount via Aviva* if your buy online your dog insurance10% multi pet discount
logo pet plan
10% discount if your buy online your dog insurance
logo more than pet 1
25% discount if your buy online your dog insurance
logo sainsburys pet 1
12 month cover for the price of 9 month
Pet insurance discounts