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Compare UK pet insurers

See how 24 UK pet insurers differ on the things that can matter when you claim.

What are you doing today?

We’ll put the most useful comparisons first.

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Showing 24 of 24 insurers

How claims are handled

Also called claims

Compare how insurers explain submitting a claim, deadlines and payment.

Listed A–Z. We do not rank this question, because what insurers publish here is wording and bands rather than one comparable figure. No recommendations.

  • Admiral

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • Agria

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Animal Friends

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • Argos

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Published deadline: 12 months of treatment

    Official wording

  • Co-op

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Published deadline: 12 months of treatment

    Official wording

  • Direct Line

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • John Lewis Pet Insurance

    How you claim
    Not clearly stated
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Nothing clearly published for this question — check the policy wording before you rely on it.

    Not clearly stated

  • LV=

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • ManyPets

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • More Than

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • Napo

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • PDSA

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Perfect Pet Insurance

    How you claim
    Not clearly stated
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Pet Protect

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Petplan

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Post Office

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Published deadline: 12 months of treatment

    Official wording

  • Purely Pets

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Published deadline: 12 months of treatment

    Official wording

  • Royal Kennel Club

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • RSPCA

    How you claim
    Not clearly stated
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Nothing clearly published for this question — check the policy wording before you rely on it.

    Not clearly stated

  • Sainsbury’s Pet Insurance

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • Scratch & Patch

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • Tesco Pet Insurance

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

  • The Insurance Emporium

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    Not clearly stated
    Deadline to claim
    Not clearly stated

    Official wording

  • Waggel

    How you claim
    You can claim online, as described by the insurer
    Paid straight to the vet
    The insurer describes paying the vet directly
    Deadline to claim
    Not clearly stated

    Official wording

The Claims Journey

From symptom to payment

Tap any step to see what usually happens. Most claims follow a similar sequence, but the steps, evidence and timing vary by insurer and policy.

What are you trying to do?

Pick the closest match — we'll tailor the rest of this page.

Real-life examples

Learn through situations, not definitions.

My dog broke its leg

Usually a straightforward claim
What normally happens

Accident claims are usually straightforward — the vet's notes and X-ray form the evidence. Payment timing depends on the insurer's published processing target and whether the vet is set up for direct payment.

Why

Whether an accident is covered depends on the policy's accident waiting period and any exclusions in the wording — check both before assuming a claim will be paid.

What to check next

That you're past the accident waiting period, and whether the vet is set up for direct-to-vet payment.

Educational only — always check your own policy wording.

Why are claims declined?

Tap a reason to see what's actually happening.

Need help understanding your claim?

Ask Willow

Willow uses your intent and any bookmarked insurers to explain claims in plain English — no sales pitch.

Related knowledge

Browse all

Waiting Periods

When your cover actually starts after buying a policy.

Pre-existing Conditions

How insurers treat conditions your pet already had.

Comparison Engine

Compare insurers across every knowledge topic.

Your next step

Compare how UK insurers handle claims

You now know how a claim works. Compare insurers' published claims processes, submission deadlines and service targets.

Compare claims processAsk Willow

Not sure whether a specific incident would be covered? Ask Willow →

Last reviewed 2 August 2026 · Publicly available UK insurer policy documents and claims guidance.