Every major UK pet insurer, reviewed
Last updated
Fifteen UK pet insurers, scored against the same five criteria so you can compare like for like. Filter by best-for fit, sort by score or cover type, then read the full review. See the methodology.
Estimate your 2026 premium
A quick estimate based on our June 2026 price tracking across 15 UK insurers. Real quotes vary — always shortlist 3 to 5 insurers before buying.
Estimated monthly premium
£24 to £36 / month
Roughly £288 to £432 a year
Based on a £7,000 vet-fee limit, £150 excess, no co-payment. Pre-existing conditions, hereditary risks and claim history can move this up significantly.
ManyPets
4.7Modern, app-first lifetime cover
Best for: Tech-comfortable owners and multi-pet households
Napo
4.6App-first lifetime cover with extras built in
Best for: Owners who want everything bundled and prefer a simple, modern app
Petgevity
4.6Flexible lifetime cover with no upper age limit
Best for: Owners of older pets or pets with pre-existing conditions
Agria
4.5Specialist lifetime cover for cats, dogs and rabbits
Best for: Pedigree dogs, cats with hereditary risk, and Kennel Club members
Petplan
4.4The UK’s longest-established pet insurer
Best for: Owners who prioritise reputation, vet familiarity and breadth of cover over price
Waggel
4.3Member-perks-led app insurer
Best for: Younger owners who want a slick app, lifestyle perks and a single transparent plan
John Lewis
4.1Premium retailer-backed cover
Best for: Owners who value the John Lewis service ethos and a recognised UK brand
Tesco Bank
4Mainstream cover with Clubcard pull
Best for: Tesco Clubcard holders who want a recognisable brand and a tier to suit their budget
Everypaw
4Pinnacle-backed mid-market cover
Best for: Owners who want a recognisable insurance group and a clear three-tier choice
Sainsbury's Bank
3.9High-street brand with Nectar pull
Best for: Nectar customers who want familiar branding and a straightforward tiered choice
Perfect Pet
3.9Broker cover with per-condition lifetime limits
Best for: Owners of older pets who want lifetime cover with a low fixed excess
Direct Line
3.9Direct-only cover from a household insurer
Best for: Owners who already insure their car or home with Direct Line and prefer phone-first service
Animal Friends
3.8Charity-backed value cover
Best for: Budget-conscious owners who want lifetime cover and like the charitable angle
Admiral
3.8Mainstream tiered cover from a household name
Best for: Owners who already trust Admiral and want a straightforward tiered choice
PetProtect
3.7Pinnacle-backed broker cover
Best for: Owners who want Pinnacle underwriting through a smaller, attentive broker