UK pet insurance data
Last updated
Three open datasets behind the original research we publish. Each one has a methodology note, a chart, and a CSV download. Reuse the data with attribution to PetCoverPro under CC BY 4.0. Journalists who want a custom cut should email press@petcoverpro.co.uk.
For journalists
A 4-page PDF press kit with the three headline charts, key stats, full source citations and our boilerplate.
1. Brand lock-in score (2026)
Most owners cannot switch insurer once their pet is diagnosed with anything chronic — the new insurer treats it as pre-existing. The lock-in score combines three published policy attributes per brand: lifetime cover availability, maximum vet-fee limit, and the upper age at which a brand will write a new policy. A higher score means the brand looks better for an owner who plans to stay for the pet's lifetime; a lower score means the cover thins out quickly when claims start.
Lock-in score, 14 UK brands (higher = stickier policy in the owner's favour)
Methodology
Source: each brand's policy wording and key facts document, retrieved Q1 2026, plus internal notes on maximum new-policy age. The score is a weighted sum of three normalised inputs:
- Lifetime cover availability (50%): yes = 1.0, partial = 0.5, no = 0.
- Vet-fee limit, capped at £15,000 (35%): scaled 0–1 against the cap.
- Maximum new-policy age (15%): unlimited = 1.0, 9 years = 0.7, 8 years = 0.5, 6 years = 0.3.
We do not score renewal-premium spike directly. We checked the FCA general insurance pricing review (PS21/5, January 2022, fca.org.uk PDF, retrieved 2026-04-18), the ABI annual pet insurance release, and the FOS published decisions database for per-brand renewal-hike data. None publish a per-brand series we can cite. We treat lifetime cover as a proxy: a brand without lifetime cover effectively forces the owner to switch when the per-condition limit is hit. We will add a sourced renewal-spike column the moment a public per-brand dataset is published.
Refresh cadence: quarterly. Last refreshed 2026-04-18.
Download CSV uk-pet-insurance-lock-in-2026.csv · CC BY 4.0
3. The supermarket-underwriter map (2026)
When a UK owner searches "Sainsbury's pet insurance" or "Tesco pet insurance", they think they are buying the supermarket's product. They are buying a policy underwritten by RSA, Pinnacle, Allianz or one of a handful of other underwriters that also power adjacent brands at very different prices. Royal & Sun Alliance alone underwrites three of our 14 tracked brands at headline monthly prices spanning £16.90 to £32.00.
Royal & Sun Alliance Insurance Limited
- Tesco Bank from £18.50/mo
- John Lewis from £32.00/mo
- PetProtect from £16.90/mo
Pinnacle Insurance plc
- Sainsbury's Bank from £17.20/mo
- Perfect Pet from £12.50/mo
Allianz Insurance plc
- Petplan from £38.00/mo
Great Lakes Insurance UK Limited
- ManyPets from £21.00/mo
Methodology
The underwriter for each brand is taken from the brand's current key facts document or policy schedule, retrieved Q1 2026. Where a brand uses an underwriting agent, we credit the agent and name the carrier in the published CSV.
"From" prices are the lowest headline monthly figure each brand quotes for our reference profile (3-year-old crossbreed dog, London SE1 postcode, £100 excess, lifetime cover). They are headline prices for a marketing comparison, not personalised quotes.
Refresh cadence: quarterly. Last refreshed 2026-04-18.
Download CSV uk-pet-insurance-underwriter-map-2026.csv · CC BY 4.0
Reuse and attribution
All three datasets are released under Creative Commons BY 4.0. You can quote, chart and redistribute the data freely as long as you credit "PetCoverPro" with a link back to petcoverpro.co.uk/data. For an interview, a custom slice or comment on the record, contact press@petcoverpro.co.uk.