How does energy work for small businesses? Customers cited good service and affordable cover. If you have a rare or exotic pet, you will generally need to get specialised insurance. Rated 5* by over 12,000 customers on Feefo. Weekend Moneyfacts is available free by email to all Moneyfacts.co.uk users. Insurance which has higher limits, more comprehensive cover and greater benefits will cost more than those offering basic cover for a limited number of risks. When buying pet insurance, it's critical to learn about the different types of policies as some may not suit your needs. Take out a commercial property mortgage or rent? Disclaimer: This information is intended solely to provide guidance and is not financial advice. share. In this guide we’ll be looking at the important things you need to know about pet insurance. register number 486048. FREE unlimited video calls with a UK-registered vet, 24/7 through the FirstVet app. Vets bills can be paid directly to your vet. What elements of the pet insurance policy do we look at? Scratch and Patch pet insurance is underwritten by HDI Global Specialty SE. Receive a 10% multi-pet discount for each pet that you insure on the same policy with multi-pet discount. If you cancel your insurance mid-policy (rather than at renewal) you may be charged a fee. While we are independent, we may receive compensation from our partners for featured placement of their products or services. may also receive compensation if you click on certain links posted on The list of pet insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. Often these boarding charges are only claimable for periods over four days, if the costs exceed a certain limit – such as £500 – and have an upper limit to all payments – say, up to £2000 for any single occasion. To give you a rough idea, last year the average price was £271, or £22.50 a month, according to the ABI. Find out how to invest in shares & investment funds using an investment platform. As ever, check the small print carefully for details of the limits your policy will impose in any treatment before you buy to ensure you are getting the cover you want for your pet. We asked policyholders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. To get the best pet insurance for cats, you should always compare a range of policies and providers that give your cat the right level of protection, and to make sure you find the plan that represents the best value for money. To find out more on how to protect your dog, we’ve created a guide on the best dog insurance providers. If your cat or dog is over nine years old, the no-excess option isn't available to you and you'll have to pay 20% of any claim. In addition, if you choose you can expand the cover to include a range of other perils, such as public liability (if your dog attacks and injures another animal and/or person or it damages someone else’s property), the cost of keeping your cat or dog in a cattery or kennels if you fall ill and must go into hospital or temporary care and even the replacement value if your animal is stolen or lost. These are: There’s lots of choice when it comes to pet insurance, so instead of buying the first policy you see, or the one recommended by your vet, it’s worth comparing different policies and different insurers first. Confirm details with the provider you're interested in before making a decision. What you are insured for will differ depending on your policy and provider. You could choose an accident-only policy which would just cover your vet fees if your pet needed medical treatment after an accident. All Rights Reserved. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. As part of this process, we split cat and dog insurance policies so you can be assured that our Four and Five Star Ratings represent the best in market choice for your beloved pet. If you’re thinking of cancelling your life insurance policy, rest assured that it can be done. No cancellation fee, no additional cost of paying month, no penalty for claiming. We update our data regularly, but information can change between updates. In simple terms, a good insurance policy is one that gives you the level of cover you want for your pet, without breaking the bank. Exclusive customer support and advice through pethood, Voted UK's Best Pet Insurance Provider 2019 at the Insurance Choice Awards, Rated excellent by our customers on Trust Pilot, Free unlimited access to a UK-registered vet or vet nurse, 24/7 through The Vet Connection, Lifetime cover for cats and dogs providing up to £15,000 of vet fee cover each year, 4 different cover options to choose from, find a policy to suit your needs. 89% of pet insurance customers in our 2020 customer satisfaction survey would recommend it to a friend. Petplan is the UK's No.1 pet insurer, insuring over 1.3 million pets nationwide. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. How does being self-employed impact your finances? Premium freezes. Pet Insurance for dogs and cats with cover for vet’s fees up to £8,000. Last year the average payout for pet insurance was £822 and the average cost of a premium was £271, according to the Association of British Insurers (ABI). Please send me Weekend Moneyfacts, Savers Friend and selected third-party offers. Whether you want to insure a dog or cat, you can find the right kind of cover with MoneySuperMarket – and take out a premium today. VAT number: 259751759. Normally claims are limited to around 12 months from when your pet falls ill or suffers an accidental injury. Petplan is the UK's No.1 pet insurer, insuring over 1.3 million pets nationwide. Some policies will cover your pet for all or some of the above events while you are abroad. In cases where a pet goes missing some insurance policies will cover you up to a set limit to advertise for your lost pet and even offer a modest reward for finding the animal and returning it to you or for information that leads to a conviction if the pet was stolen. We’ve shown both for each brand in the table below. Unfortunately, the insurance industry doesn’t have a great reputation and the best pet insurance doesn’t come cheap. Over the last 40 years, Petplan has helped millions of pets through illness and injury. Is your credit rating good enough for a mortgage? When you make an insurance claim you usually have to pay a certain percentage of the claim amount. As mentioned previously pet insurance can also include an element of public liability cover should your animal injure someone or do damage to their property (including another pet or livestock). Remember that routine dental care provided by your vet (descaling, cleaning, etc.) Depending on the cover you choose it often covers more than just vets’ bills – including public liability and boarding fees, etc. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. 97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site. An insurer will look at these and then decide how likely you will be to make a claim. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Most insurers will accept the risk if your pet is not showing any signs of this condition when the policy is taken out (although you may be charged a higher premium). Most policies also charge a percentage of the amount outstanding after the excess has been deducted, this will vary depending on the age of the animal. Many pet owners consider their beloved cat or dog as one of the family. How to get the best return from your savings, Five steps to become a buy to let landlord. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. A pre-existing condition charities offer free or subsidised vet care for their fees can pay vet fees directly to vet... 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