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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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We’ll put the most useful comparisons first.

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Showing 24 of 24 insurers

How long before cover starts

Waiting periods

Ranked by shortest published illness wait — not an overall insurer recommendation.

Perfect Pet Insurance
#1 for illness wait
Accident cover starts
After 14 days
Illness cover starts
After 5 days
Checked in official policy wording
#1 for illness wait
Perfect Pet Insurance
Accident cover starts
After 14 days
Illness cover starts
After 5 days
Checked in official policy wording
Agria
Joint #2 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Joint #2 for illness wait
Agria
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Napo
Joint #2 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Joint #2 for illness wait
Napo
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Royal Kennel Club
Joint #2 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Joint #2 for illness wait
Royal Kennel Club
Accident cover starts
Not clearly published
Illness cover starts
After 10 days
Checked in official policy wording
Petplan
Joint #3 for illness wait
Accident cover starts
Immediately
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Petplan
Accident cover starts
Immediately
Illness cover starts
After 14 days
Checked in official policy wording
Admiral
Joint #3 for illness wait
Accident cover starts
After 24 hours
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Admiral
Accident cover starts
After 24 hours
Illness cover starts
After 14 days
Checked in official policy wording
Animal Friends
Joint #3 for illness wait
Accident cover starts
After 2 days
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Animal Friends
Accident cover starts
After 2 days
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Co-op
Joint #3 for illness wait
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Co-op
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
LV=
Joint #3 for illness wait
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
LV=
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
ManyPets
Joint #3 for illness wait
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
ManyPets
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
More Than
Joint #3 for illness wait
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Joint #3 for illness wait
More Than
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Purely Pets
Joint #3 for illness wait
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Purely Pets
Accident cover starts
After 48 hours
Illness cover starts
After 14 days
Checked in official policy wording
Argos
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Argos
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
John Lewis Pet Insurance
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
John Lewis Pet Insurance
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
PDSA
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
PDSA
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Pet Protect
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Pet Protect
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Post Office
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Post Office
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
RSPCA
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
RSPCA
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Sainsbury’s Pet Insurance
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Sainsbury’s Pet Insurance
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Tesco Pet Insurance
Joint #3 for illness wait
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Tesco Pet Insurance
Accident cover starts
After 3 days
Illness cover starts
After 14 days
Checked in official policy wording
Direct Line
Joint #3 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Direct Line
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Checked in official policy wording
Scratch & Patch
Joint #3 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Checked in official policy wording
Joint #3 for illness wait
Scratch & Patch
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Checked in official policy wording
The Insurance Emporium
Joint #3 for illness wait
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Joint #3 for illness wait
The Insurance Emporium
Accident cover starts
Not clearly published
Illness cover starts
After 14 days
Longer wait for cruciate
After 14 days
Checked in official policy wording
Waggel
Not ranked — no clear figure published
Accident cover starts
Not clearly published
Illness cover starts
Not clearly published
Not clearly published in the documents reviewed
Not ranked — no clear figure published
Waggel
Accident cover starts
Not clearly published
Illness cover starts
Not clearly published
Not clearly published in the documents reviewed

Reviewed regularly

What are you doing today?

Compare by topic

How long before cover starts

Perfect Pet Insurance

Agria

Napo

Royal Kennel Club

Petplan

Admiral

Animal Friends

Co-op

LV=

ManyPets

More Than

Purely Pets

Argos

John Lewis Pet Insurance

PDSA

Pet Protect

Post Office

RSPCA

Sainsbury’s Pet Insurance

Tesco Pet Insurance

Direct Line

Scratch & Patch

The Insurance Emporium

Waggel