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What are the different types of pet insurance policies?
Typically there are four types of insurance policies.
Accident only - covers accident and some health issues. We advise you to read the terms of the
policy before you make the purchase
Maximum benefit - Recommended for short term health issues but you can claim more than once for the
Lifetime - As the name suggests, it provides lifetime cover for your pet.
Time limited - One of the cheapest pet insurance options, as it covers them for a limited amount
over a 12 month period. After which, you can no longer claim on the same pet condition and hould you decide
to renew the pet insurance policy, the pre-existing illness will no longer be eligible.
What is pet insurance?
Pet insurance provides cover for unfortunate events like your pet falling ill or injuring themselves in an
Insurance policies can also pay-out in case your pet dies, is stolen or lost and/or damages third party
Will the age of my pet affect the premium amount?
Yes, the older the pet, the higher the premium is likely to be, however this may vary between cover
What else should I watch out for?
Before selecting the level of pet cover you require, you should always read the terms and conditions. Things
you should look out for include
Travel or holiday cover (foreign cover)
Missing pet cover
Kennel and cattery fees
It’s time to compare pet insurance
Compare pet insurance with us to protect your cats, dogs and other pets. You can find pet insurance
comparison quotes with us in few minutes to provide protection for your pet and the cover they deserve. Find
out more information below about pet insurance cover, cover type, costs and what it includes.
Compare pet insurance in 5 easy steps
Your information – Your name, address and contact details
Your pet’s information – Animal type, Pet’s age, breed and gender
Where your pet lives – Pet’s permanent address
Pet’s medical history – Declare any pre-existing conditions
Pets price - How much did you pay to adopt or purchase
As you are aware, there’s no NHS free service for pets so when they need a treatment you need to take your
pets to veterinary care. Your dogs and cats will require a treatment for any injuries or illness throughout
their lifetime, including recurring conditions such as arthritis, skin conditions or diabetes. Veterinary care
can be really expensive (you may end up with lots of vet bills) which is why you should consider getting
protection for your pets and for your peace of mind. With pet insurance, you can ensure that your cat or dog
receives quality care without having to worry about the high costs associated with vet bills.
There are 4 different types of pet insurance
maximum benefit pet cover gives you a fixed sum to claim on annually. The cover can be per condition, per
policy or both. Once you have claimed your yearly allowance you can’t claim further and pre-existing medical
conditions aren’t covered under maximum benefit per cover.
Life time pet insurance cover provides protection for your pet’s illnesses or injuries with no time limit on
each illness condition. However, at Free Price Compare, we compare a different type of pet insurance policy.
We compare pet insurance providers who provide lifetime policies, which means that whatever vet fee limit you
choose, it will refresh each year when you renew your policy. With our lifetime policies, you can claim up to
the full vet fee limit every year, and we will continue to provide cover for conditions your pet may develop
during their lifetime. If you continuously renew your policy, you'll get ongoing cover for injury and
illnesses every year, including at renewal when the limit resets.
It means that your pet is insured with a 12 month essential policy, which provides cover for a specific
period of time. This type of policy comes with a cap on the claim allowance for the required treatment.
However, once the 12 month period has ended or you've reached your claim allowance amount, you are not allowed
to claim again for the same condition. This type of policy is particularly beneficial for older pets who have
exceeded the upper age limit and need a less comprehensive policy.
Accident only pet cover helps you pay for the required treatment if your pet is involved in an accident.
However, an accident only plan will not provide protection for illness or disease and your pet’s pre-existing
medical conditions aren’t covered.
Contact PDSA charity – PDSA might be able to help you cover the vet fees
Avoid getting pedigree breeds – usually crossbreed pets are cheaper to insure
Multi pet cover – one policy for all of your pets can be cheaper option
Vaccinations – if you are up to date with all of the pet’s vaccination then the insurer
might give you cheaper cover
Get your pet microchipped – chipping your pets can help you reduce your premiums
Their health – healthy lifestyle and exercise can keep your vet bills lower
Consider co-insurance – co-insurance can be cheaper for older pets
Compare insurers – Compare pet insurance with us to get great deals
Is it more expensive to buy a cover for an older animal?
Older pets are more likely to get health issues which is why it can be more expensive to insure older animals
compared to younger ones.
It is possible to protect your older pet with a standard pet cover policy or you may need to go to a
specialist insurer if required.
What is third party liability insurance for pets?
Third party liability insurance provides you protection when your dog causes accidental injuries to others or
damage to property, person and pets. It can also help you cover any legal costs due to an accident caused by
Can vaccination affect the price of my pet insurance?
Up to date vaccinations can help you get better discounts with some insurers which can help you further
reduce your premiums. However, pet insurance will not cover any cost related to vaccinating your pet.
Many pet owners see their pets as an integral part of the family and are keen to insure them against
illness or accident.
Pet insurance can provide cover in
case your pet dies, is lost or stolen, attacked a third party or damaged property. You can get more
details by reading our beginners’ guide to pet insurance.
Insurance for pets can cover all kinds of animals, including dogs and cats.
Not at all. There is a variety of policy options for pets on the market. The four main ones you will
find are: accident only, time limited, maximum benefit and lifetime. You can select the most appropriate
one for you according to the needs of your pet and your budget.
When a policy contains a co-insurance it means that if you make a claim you will be charged a
percentage of the outstanding veterinary fees after the excess has been deducted.
If you have an older animal, your premiums are likely to be higher; however cover should be available
for all ages of pets. If you are looking to take out pet insurance on a puppy or a kitten insurance
usually begins when your pet is six-to-eight weeks old.
A previous illness may not be covered when you take out a new policy and it’s best to check. Make sure
your pet has the appropriate vaccinations too.
Pedigree animals often carry an increased premium as their value is higher. With more intensive
breeding, they can suffer more from genetic disorders.
If your dog causes accidental injury or damage to someone’s property you can be covered by third party
liability insurance. This type of insurance can also help with legal bills should you be required to
defend yourself in a Court case involving your dog.
Microchipping your pet is a recommended procedure and can offer many benefits to both owner and animal;
it may help you secure a lower premium too. Microchipping can be done for all kinds of pets, including
ferrets, rabbits and other small mammals.
It’s always recommended you read through your policy Terms & Conditions. Check carefully to make sure
you understand what your policy covers, such as:
Travel and holiday cover
Kennel and cattery fees
Cover for missing pets
Cover for alternative therapies
For answers to any further questions, see our pet insurance guides.
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Simply enter your preferences and we will find the best pet insurance price plans available for you
We’ll display pet insurance quotes from the UK’s top pet insurance providers such as Petpals Direct, Protect
We’ll display all the information about the plan (what is included in the policy) with the price so you can
make an informed decision.