How Much Does Puppy Insurance Cost?

Puppy insurance costs vary according to many different factors. The pet insurance company you have chosen, your location, the age of your puppy and their breed can all affect your premium.

A key factor in the cost of pet insurance is your location. When calculating your premiums, the average cost of veterinary care across the UK is taken into consideration, as well as the average cost of vet care in your area. Typically, London has expensive vet care, so if you live in Cornwall you are more likely to have a lower premium than a pet owner who lives in the capital.

What could affect the cost of your puppy insurance?

Some insurance companies will take into account whether your pet has been neutered, microchipped and if they receive their yearly vaccinations in order to calculate a premium. Although your puppy does not have to have any of those treatments done, they are highly recommended. Some insurance companies will offer you a deal if your pet is microchipped, and some won't insure you if vaccinations are not kept up to date. Pet insurance companies will also take into consideration whether your puppy has been used for guarding or racing, if it has aggressive tendencies and if there has been legal action involving your puppy. These factors may all affect your premium.


  • White fluffy puppy standing on a pile of books
  • Running happy puppy

Pets Insure Together is a trading name of Insure Together Limited which is an introducer appointed representative of BDML Connect Limited. Pets Insure Together pet policies are arranged and administered by BDML Connect Ltd, an insurance intermediary authorised and regulated by the Financial Services Authority (FSA number: 309140). You can check this information on the FSA's website at or by contacting the FSA on 0300 500 5000.

Your pet insurance is underwritten by Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover. Broadgate Syndicate 1301 at Lloyd's and The International Insurance Company of Hanover are both authorised and regulated by the Financial Services Authority.

* All cashback is only applied to active Pets Insure Together Cashback Cards. All Pets Insure Together pet insurance policies that are issued will include an automatic enrolment to the Pets Insure Together Cashback Card. Terms and conditions will apply.

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