Is Vetsure Pet Insurance Worth It? Review 2025

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At HelloSafe, our pet insurance experts review the terms and pricing of market-leading insurance policies each year to deliver clear, reliable, and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us every month as they make some of their most important financial decisions.

Vetsure Warranties

Vetsure offers three main formulas—Accident Only, Premier, and Premier Plus—all designed as lifetime cover, with yearly benefit limits per condition and stress-free direct vet payments. The standout advantage is unlimited conditions claimed, single excess per condition, and strong integration with a network of accredited vets lowering owner costs and ensuring seamless claims. All policies cover both illness and accident (except Accident Only), and include complementary medicine, special diet (under conditions), death, loss/theft, advertising reward, and transport, but significant exclusions apply for preventive care, standard dental (unless accident), pre-existing conditions, unvaccinated pets, and certain breeds.

Prevention is only available via optional vouchers, and routine acts like vaccinations, descaling, or neutering are not part of standard cover. The missing elements versus some competitors are inclusions for preventive care in the base cover, a detailed published annual limit on some extras, and full dental cover.

Good to know

Excess (the customer’s contribution) is paid only once per condition—not annually—making ongoing chronic condition claims simpler.

Public liability, travel cover (EU), kennel costs, and preventive care are optional add-ons and only apply if you select them, not by default.

Major exclusions: pre-existing conditions, preventive care, vaccines, non-accident dental work, routine neutering/spaying, and certain breeds (e.g., those under Dangerous Dogs Act).

For animals over 8 years, co-payment increases for vet fees may apply.

Always check the Schedule as exact optional cover limits and some waiting periods may depend on choices and the individual risk profile.

To get the best deal, always compare Vetsure’s premiums and included options with other UK pet insurance providers before applying.

Vetsure exclusions

Vetsure's insurance contract stands out for several precise exclusions that policyholders must be aware of.

Beyond standard exclusions like pre-existing conditions and waiting periods, Vetsure systematically excludes dental care except following an accident, non-accident neutering/spaying (except cryptorchidism before 12 weeks), and treatments relating to certain reproductive incidents (e.g. more than two false pregnancies). Notably, cover is denied for any claim where animals are part of excluded breeds, younger than 8 weeks at inception, or used for commercial/professional purposes without specific agreement—a stricter stance than some major UK competitors.

Strict identification requirements (e.g. microchipping for dogs in theft cover) also mean any non-compliance directly voids related claims. Finally, overseas treatment is only covered under the optional extension and strictly within the PETS scheme rules, with rapid reporting demands for lost documents—setting Vetsure apart in terms of documentation rigour.

Vetsure rates

Vetsure maintains a clear median price position in the UK pet insurance market, balancing comprehensive cover with moderate monthly premiums. Its policies guarantee lifetime, per-condition protection with benefits like direct billing to accredited vets and generous annual reimbursement limits, though these are not as high as the most expensive, premium insurers.

Franchise (excess) levels are relatively low, especially if using a Vetsure-accredited vet, and most standard needs (alternative therapies, transport, death, loss, advertising/reward) are included as base—not as costly add-ons.

However, the approach is neither the least expensive nor does it offer lower pricing through an exclusively digital journey (contrary to some "pure players"), due to the network/claims support emphasis.

Vetsure is therefore well suited for pet owners seeking stress-free, end-to-end management with solid financial cover, but not those prioritising either ultra-low price or ultra-high unlimited benefits.

Make sure you compare multiple offers and obtain specific quotes for your pet’s profile to find the cover that’s most cost-effective for your needs.

Vetsure promo codes

Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance policies.

How much will I be reimbursed with Vetsure?

Here’s how Vetsure reimbursements work: With Vetsure, once you’ve paid the initial excess ("excess" is the UK term for franchise) per condition, you can claim up to your annual benefit limit for that condition, and Vetsure pays your vet directly whenever possible. This means you don’t need to worry about large upfront costs—your pet gets the care it needs, and you keep more of your money in your pocket.

Example 1: Gastroenteritis treatment (dog or cat)

Total vet fees: £750 (consultation, diagnostics, medication, and fluid therapy)

Annual excess to deduct: £69 (if treated at a Vetsure-accredited practice; higher at non-accredited clinics)

Amount eligible for reimbursement (after excess): £750 – £69 = £681

With the Premier Plus plan (cover up to £5,000 per condition): £681 fully eligible for claim

👉 You receive a £681 reimbursement directly from Vetsure (or paid to your vet).

ℹ️ The excess is only paid once per condition per policy year—if your pet needs further gastroenteritis treatment this year, you won't pay another excess.

Example 2: Cruciate ligament surgery (dog)

Total vet fees: £3,400 (consultation, X-rays, surgery, anaesthesia, medication, post-operative care)

Annual excess already paid for this condition with first vet visit: £0 (as the £69 excess has already been paid on this condition)

Amount eligible for reimbursement under Premier Plus: £3,400 fully eligible (within the £5,000 per condition annual cap)

👉 You receive a £3,400 reimbursement from Vetsure, with zero additional excess to pay.

ℹ️ Any further claims related to this cruciate injury in the same policy year are reimbursed in full, up to the remaining £5,000 annual limit for this condition.

Example 3: Comprehensive preventative care with Preventative Care Vouchers (if selected as an optional add-on)

Annual value of Preventative Care Voucher: £50 (for example)

Type of preventive treatments covered: vaccinations, annual health check, flea/worming (at a Vetsure-accredited clinic)

Out-of-pocket without insurance: Around £80 per year (cost of basic vaccination, health check, parasite treatment in the UK)

With Preventative Care Voucher: £50 reimbursed/covered by Vetsure

👉 You save £50 on preventive care costs, leaving only £30 to pay yourself.

ℹ️ Preventative cover is only available as an optional voucher, which must be used at Vetsure network practices and is valid for one pet per year.

Vetsure Assistance

Vetsure's assistance for policyholders stands out through its direct billing system with veterinary practices, significantly reducing upfront costs for owners within the accredited network. The award-winning e-claims process available through partnered clinics enables digital claims management and, in some cases, rapid claim settlements, though a dedicated mobile app is not available. A wide network of accredited clinics brings direct settlement advantages and lower excess, but owners using non-network practices face a higher excess and manual claims submission. There is currently no 24/7 veterinary emergency helpline or telehealth/téléconsultation service offered, which may limit assistance in out-of-hours or remote situations. Overseas cover is available as an option, restricted to up to 90 days per year within the EU under the Pet Travel Scheme, and only for emergency care, excluding long-term stays or treatments outside UK, Channel Islands, and Isle of Man.

Customer feedback on Vetsure

We have analyzed the reviews from the site listed above. On the positive side, customers who have taken out a policy with Vetsure for their pet often mention:

• The customer service is frequently described as friendly, polite, professional, and helpful: staff take the time to explain policy details clearly and are not pushy.
• The insurance is seen as good value for money: customers appreciate reliability and discounts for existing clients.
• The claims handling is praised for being timely and straightforward: many customers highlight that Vetsure pays vets directly, making the process less stressful during emergencies.
• The website and policy setup are user-friendly: the information is clear, uses plain English, and the setup process is simple and quick.
• The range of policy options, including lifetime and accident-only policies, is valued: the 5-week free trial is mentioned as helpful for new customers.
• The partnership with accredited vets is considered a significant advantage: direct claims settlement and lower excess payments are appreciated.

On the negative side:

• The annual price increases are a recurring concern: some customers note that premiums go up every year, making long-term affordability an issue.
• The process of changing payment dates can be difficult: at least one customer reported needing multiple attempts to modify a payment schedule, even after receiving confirmation.
• The coverage on some plans is perceived as reducing over time: a few customers are dissatisfied that certain services are less accessible or excluded as their policy continues.
• Some policyholders have not yet claimed and are uncertain about the real-life claims experience: while the sign-up is smooth, the lack of claim history leaves a few unsure about performance in practice.

How can I contact Vetsure?

FAQ

Charlotte Green

Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.