Find the UK's best pet insurance in minutes.
We've compared 22 leading UK pet insurance providers on cover levels, price, claims speed and customer reviews, so you can protect your dog, cat or rabbit without wading through the small print yourself.
How we rank pet insurance providers
Every provider on PetCoverGurus is assessed against the same core criteria, drawing on publicly available policy information and independent industry star ratings, so you can compare like for like.
- Level of vet fee cover and annual/lifetime limits
- Cover for pre-existing and recurring conditions
- Excess structure and multi-pet discounts
- Claims speed and percentage of claims paid
- Access to 24/7 video vet consultations
- Independent Moneyfacts star ratings
- Customer reviews and Trustpilot scores
- Policy clarity and ease of managing cover online
Why compare with PetCoverGurus?
We built PetCoverGurus to make choosing UK pet insurance simple, transparent and entirely free, because your time is better spent with your pet than reading policy documents.
Independent rankings
We don't accept payment to change our rankings. Every provider is listed on merit.
Free, always
Our comparison service costs nothing to use and we never sell your data.
UK-focused
Every provider listed operates in the UK and is built for UK pet owners.
Plain-English summaries
We cut through the jargon so you can see cover levels and excesses at a glance.
Every pet considered
From puppies to senior cats and even rabbits, filter to find cover that fits.
Regularly updated
We refresh our comparison chart as providers change their offers and cover.
Frequently asked questions
No, pet insurance isn't a legal requirement in the UK, but it can protect you from vet bills that run into the thousands of pounds, and many policies also include public liability cover if your dog injures someone or damages property.
Lifetime policies reset your claim limit every year for as long as you renew, so ongoing conditions stay covered. Time-limited and maximum benefit policies cap what you can claim per condition, either by time or by amount, after which that condition is no longer covered.
Usually not by standard policies, but a small number of specialist providers may offer some cover for conditions that have been symptom-free for a set period (often 24 months). Always check the policy wording before you rely on this.
We may earn a commission if you take out a policy via a link on our site. This never affects our rankings, and you never pay more than going direct to the provider; it simply helps us keep the comparison service free for pet owners.
We review our listings regularly as providers change their cover, pricing and offers, so you're always comparing current information.
Ready to protect your pet?
Compare cover levels, prices and claims records from 22 UK providers in one place.
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