Puppy Insurance Comparison

Comparing puppy insurance

Comparing puppy insurance can be confusing, especially if it’s your first time. There are a wide variety of different pet insurance companies offering different types of policies, so how can you compare puppy insurance to make sure you choose the right one for you?

Choosing the right pet insurer can be the difference between saving your puppy’s life and saving the pennies on vet bills. We all want what is best for our pet, but we don’t want it to break the bank. It is advised that you compare the insurance policies available for your puppy so that you can make sure you’re choosing the one that suits them best. The cheapest option available might not necessarily be the best in the long run.

When using comparison sites it is worth noting that not every company that offers pet insurance will be listed on these sites. You might want to try a few different websites to ensure you are being offered the best deals.

With the majority of companies, you will need to enter basic information about your puppy and yourself. You will need to know what breed your puppy is, whether they are a pedigree or not, how old they are, their microchip number (if they have one) and how much you paid for them. If you paid for your puppy, you will need a valid receipt for proof of purchase, as in the event of death, your insurance company may not be able to cover the exact cost of purchase without it. 

What to look for when comparing puppy insurance

When looking at the different policies on offer, the three most important things to note are:

  • Type of cover: These have names such as ‘Max Benefit’, ‘Time Limited’, ‘Accident Only’, and ‘Extra’.
  • Vet Excess Fee: This is how much you, the pet owner, will have to pay on any claim you make. So if your excess is £65 and your vet bill comes to £200, you will have to pay the first £65, and will receive £135 back from the insurance company if an eligible claim has been made.
  • Vet Fees: This is what your insurance company will pay for vet fees. It will specify whether it is ‘per condition’ or for all conditions claimed for.

An example:
A 12 month policy may cover up to £3,000 in vet fees and will have an excess fee - for example £75. This means if you were to make a claim for your pet that costs £3,000, it should be completely covered (although you would need to pay the excess fee with each claim). However, if you had to make a claim that would cost £3,700, you would have to pay the extra £200 yourself as well as the £75 excess fee. At the end of the 12 months, if you decided to renew your policy, your vet fee costs should also be renewed, and you should be able to claim up to £3,500 in the following 12 months.

This example is for illustration purposes only, and actual figures may differ depending on individual circumstances. Insurance Terms of Business apply.

It is good to compare all three factors when looking at pet insurance, as well as the cost of the pet insurance itself. You might only be paying £3.99 a month for your pet insurance, but the excess fee could set you back £95, and vet costs may only cover up to £1,000. Only you can decide which policy is best for your puppy.


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

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 www.fsa.gov.uk/fsaregister 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.

Issuer statement
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