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Compare UK pet insurers

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

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Showing 24 of 24 insurers

The fixed amount you pay first

Also called excess

The excess is the amount you pay towards a claim before the insurer pays anything. Insurers differ on the amount and on how often it is charged.

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

    Fixed amount
    £99–£250
    How it is charged
    Not clearly stated

    Also published: Varies by plan

    Official wording

  • Agria

    Fixed amount
    £170
    How it is charged
    Not clearly stated

    Also published: Percentage on top of the fixed amount — 10%

    Official wording

  • Animal Friends

    Fixed amount
    £69–£299
    How it is charged
    Not clearly stated

    Also published: Varies by plan

    Official wording

  • Argos

    Fixed amount
    £99
    How it is charged
    Per condition

    Also published: Varies by plan

    Official wording

  • Co-op

    Fixed amount
    £75–£200
    How it is charged
    Per claim

    Also published: Varies by plan

    Official wording

  • Direct Line

    Main position
    Varies by plan
    How it is charged
    Not clearly stated

    Official wording

  • John Lewis Pet Insurance

    Fixed amount
    Not clearly stated
    How it is charged
    Per policy year

    Also published: Varies by plan

    Official wording

  • LV=

    Fixed amount
    £250
    How it is charged
    Not clearly stated

    Also published: Varies by plan

    Official wording

  • ManyPets

    Fixed amount
    £69–£250
    How it is charged
    Per condition, per policy year

    Also published: Varies by plan

    Official wording

  • More Than

    Main position
    Varies by plan
    How it is charged
    Not clearly stated

    Official wording

  • Napo

    Fixed amount
    £99–£250
    How it is charged
    Per condition, per policy year

    Also published: Varies by plan

    Official wording

  • PDSA

    Fixed amount
    Not clearly stated
    How it is charged
    Not clearly stated

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

    Not clearly stated

  • Perfect Pet Insurance

    Fixed amount
    £90
    How it is charged
    Per condition, per policy year

    Also published: Varies by plan

    Official wording

  • Pet Protect

    Fixed amount
    £60–£130
    How it is charged
    Not clearly stated

    Also published: Varies by plan

    Official wording

  • Petplan

    Main position
    Varies by plan
    How it is charged
    Not clearly stated

    Official wording

  • Post Office

    Fixed amount
    Not clearly stated
    How it is charged
    Per condition, per policy year

    Also published: Varies by plan

    Official wording

  • Purely Pets

    Fixed amount
    Not clearly stated
    How it is charged
    Per claim

    Also published: Varies by plan

    Official wording

  • Royal Kennel Club

    Fixed amount
    £170
    How it is charged
    Per policy year

    Also published: Percentage on top of the fixed amount — 10%

    Official wording

  • RSPCA

    Fixed amount
    Not clearly stated
    How it is charged
    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

    Fixed amount
    Not clearly stated
    How it is charged
    Per condition, per policy year

    Also published: Varies by plan

    Official wording

  • Scratch & Patch

    Fixed amount
    £125–£275
    How it is charged
    Per policy year

    Also published: Varies by plan

    Official wording

  • Tesco Pet Insurance

    Main position
    Varies by plan
    How it is charged
    Not clearly stated

    Official wording

  • The Insurance Emporium

    Fixed amount
    £250
    How it is charged
    Not clearly stated

    Also published: Varies by plan

    Official wording

  • Waggel

    Main position
    Varies by plan
    How it is charged
    Not clearly stated

    Official wording

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