Independent editorial comparison
Compare UK pet-insurance policies
Last updated
PetCoverPro currently tracks 16 UK pet-insurance providers. This page compares their current structured policy features and links to our detailed editorial reviews, helping you examine cover limits, policy types, excesses, dental and behavioural cover, multi-pet discounts and direct-vet-payment availability.
This is not a live whole-of-market quotation engine or personalised recommendation.
Final premiums depend on the pet and are calculated by the insurer or quotation partner. Policy terms may change, so confirm the latest wording, exclusions and quote details before purchasing.
At-a-glance leading providers
These are the five highest-scoring public reviews in the current structured data. A PetCoverPro score is our editorial assessment under the published methodology—not a customer star rating and not a recommendation tailored to you. Equal scores are ordered by stable provider slug.
| Brand | Lassie | ManyPets | Napo | Petgevity | Agria |
|---|---|---|---|---|---|
| PetCoverPro score | 4.8 / 5 | 4.7 / 5 | 4.6 / 5 | 4.6 / 5 | 4.5 / 5 |
| Cover style | Lifetime | Lifetime | Lifetime | Lifetime | Lifetime |
| Plan tiers | Bronze, Silver, Gold | Essential Care, Standard Care, Complete Care, Standard Care Pre-existing | Lifetime | Lifetime, Lifetime Plus | Lifetime |
| Vet-fee limit | Up to £20,000 per year on Gold | Up to £20,000 per year | Up to £16,000 per year | Up to £15,000 per year | Up to £12,500 per year |
| Excess from | From £49 | From £69 | From £99 | From £0 (you choose £0 to £500) | From £99 |
| Dental cover | Partial | Yes | Yes | Partial | Yes |
| Behavioural cover | Yes | Yes | Yes | Yes | Yes |
| Mobile app | Yes | Yes | Yes | No | Yes |
| Direct vet payment | Yes | Yes | Yes | Yes | Yes |
| Multi-pet discount | 10% off, each pet on its own policy | Up to 15% per additional pet | 5% off each additional pet | £1 off per pet, per month (up to 8 pets on one policy) | Up to 10% multi-pet discount |
| Max new-policy age | No upper age limit at sign-up | No upper age limit at sign-up | 8 years for dogs and cats | No upper age limit at sign-up | No upper age limit at sign-up |
| Underwriter | Newline Insurance Company Limited | Wakam SA and SCOR UK Company Limited | Inter Partner Assistance SA / AXA | Great Lakes Insurance UK Limited (Munich Re group) | Agria Försäkring (UK branch) |
| Get a quote | Visit Lassie → | Visit ManyPets → | Visit Napo → | Visit Petgevity → | Visit Agria → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
Compare any two providers
Choose two tracked providers to compare PetCoverPro’s existing editorial policy data side by side. This is not a live quote or personalised recommendation: the insurer or quotation partner calculates the final premium. Confirm the latest policy wording before buying.
Lassie and ManyPets
| Feature | Lassie | ManyPets |
|---|---|---|
| PetCoverPro editorial score | 4.8 / 5 | 4.7 / 5 |
| Best for | Owners who want app-based lifetime cover with a high maximum annual limit | Tech-comfortable owners and multi-pet households |
| Cover style | Lifetime | Lifetime |
| Cover options or policy types | Plan tiers: Bronze, Silver, Gold | Plan tiers: Essential Care, Standard Care, Complete Care, Standard Care Pre-existing |
| Monthly price from | From £22.25 a month for a healthy young cat (quoted 1 September 2026; £99 excess, 0% co-pay) | From around £12 a month for a healthy young cat |
| Maximum vet-fee limit | Up to £20,000 per year on Gold | Up to £20,000 per year |
| Excess from | From £49 | From £69 |
| Dental cover | Partial | Yes |
| Behavioural treatment | Yes | Yes |
| App available | Yes | Yes |
| Direct vet pay | Yes | Yes |
| Multi-pet discount | 10% off, each pet on its own policy | Up to 15% per additional pet |
| Maximum new-policy age | No upper age limit at sign-up | No upper age limit at sign-up |
| Insurer / underwriter | Newline Insurance Company Limited | Wakam SA and SCOR UK Company Limited |
| Full review | Read the full Lassie review | Read the full ManyPets review |
| Quote or comparison journey | Get a quote at Lassie | Get a quote at ManyPets |
Values are editorial comparison data, not live quote results. Limits and terms can change; check current policy documents and the official quote before buying.
Compare all tracked providers
Every provider with a public PetCoverPro review appears below in neutral alphabetical groups of no more than five. Scroll each table horizontally on a small screen to see every column.
Admiral to Everypaw
| Brand | Admiral | Agria | Animal Friends | Direct Line | Everypaw |
|---|---|---|---|---|---|
| PetCoverPro score | 3.8 / 5 | 4.5 / 5 | 3.8 / 5 | 3.9 / 5 | 4 / 5 |
| Cover style | Lifetime | Lifetime | Multiple tiers | Multiple tiers | Lifetime |
| Plan tiers | Time Limited, Lifetime | Lifetime | Accident Only, Time Limited, Maximum Benefit, Lifetime | Essential, Advanced | Lifetime, Lifetime Plus, Lifetime Premier |
| Vet-fee limit | Up to £10,000 per year on Lifetime cover | Up to £12,500 per year | Up to £18,000 per year on Lifetime | Up to £8,000 per condition on Advanced (no time limit) | Up to £10,000 per year on Lifetime Premier |
| Excess from | From £99 | From £99 | From £69 | From £99 | From £75 |
| Dental cover | Partial | Yes | Partial | Partial | Partial |
| Behavioural cover | Partial | Yes | Partial | Partial | Yes |
| Mobile app | No | Yes | No | No | No |
| Direct vet payment | No | Yes | Yes | Yes | Yes |
| Multi-pet discount | MultiCover discount across Admiral products | Up to 10% multi-pet discount | Multi-pet discount applied at quote | Multi-product discount across Direct Line policies | Multi-pet discount on policies after the first |
| Max new-policy age | 8 years for dogs and cats on lifetime cover | No upper age limit at sign-up | 7 years for dogs on Lifetime, no upper age limit on Accident Only | 8 years for dogs and cats | 8 years for new lifetime cover |
| Underwriter | EUI Limited (Admiral Group) | Agria Försäkring (UK branch) | Red Sands Insurance Company (Europe) Ltd | U K Insurance Limited (Direct Line Group) | Pinnacle Insurance plc |
| Get a quote | Visit Admiral → | Visit Agria → | Visit Animal Friends → | Visit Direct Line → | Visit Everypaw → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
John Lewis to Perfect Pet
| Brand | John Lewis | Lassie | ManyPets | Napo | Perfect Pet |
|---|---|---|---|---|---|
| PetCoverPro score | 4.1 / 5 | 4.8 / 5 | 4.7 / 5 | 4.6 / 5 | 3.9 / 5 |
| Cover style | Lifetime | Lifetime | Lifetime | Lifetime | Multiple policy types |
| Plan tiers | Lifetime (six vet-fee levels) | Bronze, Silver, Gold | Essential Care, Standard Care, Complete Care, Standard Care Pre-existing | Lifetime | — |
| Policy types | — | — | — | — | Accident Only, Time Limited, Maximum Benefit, Lifetime |
| Vet-fee limit | Up to £12,000 per year (six cover levels) | Up to £20,000 per year on Gold | Up to £20,000 per year | Up to £16,000 per year | Up to £5,000 per condition, per year on Lifetime Elite Extra Plus |
| Excess from | From £79 | From £49 | From £69 | From £99 | From £90 |
| Dental cover | Partial | Partial | Yes | Yes | Partial |
| Behavioural cover | Partial | Yes | Yes | Yes | Partial |
| Mobile app | No | Yes | Yes | Yes | No |
| Direct vet payment | Yes | Yes | Yes | Yes | Yes |
| Multi-pet discount | 10% off each additional pet | 10% off, each pet on its own policy | Up to 15% per additional pet | 5% off each additional pet | Multi-pet discount applied at quote |
| Max new-policy age | 8 years for new lifetime cover | No upper age limit at sign-up | No upper age limit at sign-up | 8 years for dogs and cats | No upper age limit, including on lifetime cover |
| Underwriter | Pinnacle Insurance plc (new policies; older RSAP policies remain with RSA) | Newline Insurance Company Limited | Wakam SA and SCOR UK Company Limited | Inter Partner Assistance SA / AXA | Antares Insurance Company Limited (policies purchased or renewed on or after 26 February 2025) |
| Get a quote | Visit John Lewis → | Visit Lassie → | Visit ManyPets → | Visit Napo → | Visit Perfect Pet → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
Petgevity to Tesco Bank
| Brand | Petgevity | Petplan | PetProtect | Sainsbury's Bank | Tesco Bank |
|---|---|---|---|---|---|
| PetCoverPro score | 4.6 / 5 | 4.4 / 5 | 3.7 / 5 | 3.9 / 5 | 4 / 5 |
| Cover style | Lifetime | Lifetime | Multiple tiers | Lifetime | Multiple tiers |
| Plan tiers | Lifetime, Lifetime Plus | Essential, Classic, Ultimate | Accident Only, Time Limited, Lifetime | Time Limited, Maximum Benefit, Lifetime | Time Limited, Maximum Benefit, Lifetime |
| Vet-fee limit | Up to £15,000 per year | Up to £12,000 per year on Ultimate | Up to £10,000 per year on Lifetime | Up to £10,000 per year on Lifetime cover | Up to £11,000 per year on Lifetime cover |
| Excess from | From £0 (you choose £0 to £500) | From £99 | From £75 | From £79 | From £69 |
| Dental cover | Partial | Yes | Partial | Partial | Partial |
| Behavioural cover | Yes | Yes | Partial | Partial | Partial |
| Mobile app | No | Yes | No | No | No |
| Direct vet payment | Yes | Yes | Yes | Yes | Yes |
| Multi-pet discount | £1 off per pet, per month (up to 8 pets on one policy) | 10% off each additional pet | Multi-pet discount applied at quote | £1 off per pet, per month on multi-pet policies | £12 discount per pet when you insure more than one |
| Max new-policy age | No upper age limit at sign-up | No upper age limit at sign-up | 8 years for new lifetime cover | 8 years for new lifetime policies | 8 years for dogs and cats on lifetime tiers |
| Underwriter | Great Lakes Insurance UK Limited (Munich Re group) | Allianz Insurance plc | Pinnacle Insurance plc | Pinnacle Insurance plc | Pinnacle Insurance plc |
| Get a quote | Visit Petgevity → | Visit Petplan → | Visit PetProtect → | Visit Sainsbury's Bank → | Visit Tesco Bank → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
Waggel
| Brand | Waggel |
|---|---|
| PetCoverPro score | 4.3 / 5 |
| Cover style | Lifetime |
| Plan tiers | Lifetime |
| Vet-fee limit | Up to £15,000 per year |
| Excess from | From £99 |
| Dental cover | Yes |
| Behavioural cover | Yes |
| Mobile app | Yes |
| Direct vet payment | Yes |
| Multi-pet discount | 10% off each additional pet |
| Max new-policy age | 8 years for dogs, 10 years for cats |
| Underwriter | Red Sands Insurance Company (Europe) Limited |
| Get a quote | Visit Waggel → |
Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.
Provider directory and quote actions
The directory is alphabetical rather than ranked. Read the full review for context, then use the provider or comparison journey for an official quote.
Admiral
Mainstream tiered cover from a household name
Best for: Owners who already trust Admiral and want a straightforward tiered choice
Agria
Specialist lifetime cover for cats, dogs and rabbits
Best for: Pedigree dogs, cats with hereditary risk, and Kennel Club members
Animal Friends
Charity-backed value cover
Best for: Budget-conscious owners who want lifetime cover and like the charitable angle
Direct Line
Direct-only cover from a household insurer
Best for: Owners who already insure their car or home with Direct Line and prefer phone-first service
Everypaw
Pinnacle-backed mid-market cover
Best for: Owners who want a recognisable insurance group and a clear three-tier choice
John Lewis
Premium retailer-backed cover
Best for: Owners who value the John Lewis service ethos and a recognised UK brand
Lassie
App-led lifetime cover with a £20,000 top tier
Best for: Owners who want app-based lifetime cover with a high maximum annual limit
ManyPets
Modern, app-first lifetime cover
Best for: Tech-comfortable owners and multi-pet households
Napo
App-first lifetime cover with extras built in
Best for: Owners who want everything bundled and prefer a simple, modern app
Perfect Pet
Broker cover with per-condition lifetime limits
Best for: Owners of older pets who want lifetime cover with a low fixed excess
Petgevity
Flexible lifetime cover with no upper age limit
Best for: Owners of older pets or pets with pre-existing conditions
Petplan
The UK’s longest-established pet insurer
Best for: Owners who prioritise reputation, vet familiarity and breadth of cover over price
PetProtect
Pinnacle-backed broker cover
Best for: Owners who want Pinnacle underwriting through a smaller, attentive broker
Sainsbury's Bank
High-street brand with Nectar pull
Best for: Nectar customers who want familiar branding and a straightforward tiered choice
Tesco Bank
Mainstream cover with Clubcard pull
Best for: Tesco Clubcard holders who want a recognisable brand and a tier to suit their budget
Waggel
Member-perks-led app insurer
Best for: Younger owners who want a slick app, lifestyle perks and a single transparent plan
How to compare pet-insurance policies
Limits and policy type
Check whether the vet-fee limit renews annually or applies per condition. Lifetime cover can replenish an annual allowance while the policy continues; maximum-benefit, time-limited and accident-only policies cap claims in different ways.
Excesses and co-payments
Compare the fixed excess and whether a percentage contribution also applies. Senior-pet co-payments can make the owner responsible for part of each eligible claim in addition to the fixed excess.
Treatment scope
Dental illness is different from dental treatment after an accident. Check behavioural-treatment terms, waiting periods and exclusions, and whether a declared pre-existing condition can ever be considered.
Household and claims features
A multi-pet discount can reduce premiums, but it does not replace a cover comparison. Direct-vet-payment availability may help cash flow, although the insurer and veterinary practice must agree to the arrangement.
The pet-insurance glossary explains common terms in more detail.
Methodology and evidence disclosure
Comparison values come from PetCoverPro’s structured insurer data and scores use our published testing methodology. Affiliate relationships do not determine editorial scores, the leading-provider calculation or alphabetical ordering.
Official evidence is being added progressively. A general insurer page is not automatically proof of every policy fact, and a value shown here should not be treated as officially verified unless its exact scope is supported. Always check the latest policy wording before purchasing.
Read our affiliate disclosure for how commercial links fund the site without changing editorial decisions.