ClearPetCover

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

Smaller caps inside the headline limit

Also called inner limits, also called sub-limits

Inside the headline vet-fee limit there can be smaller caps for things like dental, behavioural or physiotherapy treatment. Where an insurer does not publish a cap, that does not mean the treatment is unlimited.

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

    Main position
    Key published limits include: Time Limited cover stops when either the monetary limit or 12 months is reached; Lifetime annual limits reset at renewal; overseas travel extension is shown with a 30-day limit in the product tables; and dog third-party liability carries a £250 excess.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Agria

    Dental cap
    Not clearly stated
    Behavioural cap
    Up to £750
    Physio or similar cap
    Not clearly stated

    Official wording

  • Animal Friends

    Main position
    Animal Friends applies maximum payable amounts for some commonly claimed items, for example out-of-hours consultations, based on its internal claims pricing review.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Argos

    Main position
    Argos publishes significant inner limits by cover level.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Co-op

    Main position
    Co-op publishes many inner limits by cover level.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Direct Line

    Dental cap
    Not clearly stated
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £40

    Official wording

  • John Lewis Pet Insurance

    Main position
    There are several important embedded limits and conditions.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • LV=

    Main position
    Key published hidden limits include: overseas cover up to 180 days in each policy year; dental illness/injury subject to annual dental exam and 6-month treatment-compliance rule; possible excess changes at renewal and as pets age; behavioural cover limited to mental/emotional disorders and excluded where preventable by training/neutering; and Time Limited cover excludes behavioural problems entirely.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • ManyPets

    Dental cap
    Not clearly stated
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £500

    Official wording

  • More Than

    Dental cap
    Up to £2,000
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Napo

    Main position
    The reviewed public pages do not publish a full public sub-limit table.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • PDSA

    Main position
    PDSA publishes meaningful inner limits on its policy pages.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Perfect Pet Insurance

    Main position
    Perfect Pet has extensive sub-limits within vet cover.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Pet Protect

    Main position
    Public pages review reveal meaningful inner limits outside headline vet fees.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Petplan

    Main position
    Petplan explicitly says it does not set hidden limits for behavioural conditions and positions Covered For Life® as broad continuing cover, while also warning consumers that some lifetime plans in the market have inner limitations and others do not.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Post Office

    Dental cap
    Not clearly stated
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £2,000

    Official wording

  • Purely Pets

    Dental cap
    Up to £500
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £500

    Official wording

  • Royal Kennel Club

    Dental cap
    Not clearly stated
    Behavioural cap
    Up to £750
    Physio or similar cap
    Up to £1,000

    Official wording

  • RSPCA

    Dental cap
    Up to £500
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £500

    Official wording

  • Sainsbury’s Pet Insurance

    Main position
    There are meaningful sub-limits and conditions inside the main cover.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Scratch & Patch

    Main position
    Scratch & Patch explicitly uses inner limits.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • Tesco Pet Insurance

    Main position
    Tesco publicly publishes several section-level sub-limits, including finding your pet up to £1,000 including reward, theft and straying up to £1,500 towards purchase price if the pet cannot be found, saying-goodbye cover up to £200, and refunds up to £1,500 for death from accident or illness.
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Not clearly stated

    Official wording

  • The Insurance Emporium

    Dental cap
    Not clearly stated
    Behavioural cap
    Not clearly stated
    Physio or similar cap
    Up to £750

    Official wording

  • Waggel

    Dental cap
    Up to £1,000
    Behavioural cap
    Up to £1,000
    Physio or similar cap
    Up to £1,000

    Official wording

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