How much does pet insurance cost in the UK?

For many pet owners, the thought of an unexpected vet bill can be stressful. Whether your furry companion falls ill or has an accident, the costs can quickly add up. Pet insurance can help to ease that financial burden. But if you’re budget-conscious, you might be asking, “How much does pet insurance cost?”

This guide breaks it down and shows how CoverMy Pet makes it affordable to protect your cat or dog.

Average cost of pet insurance in the UK

Pet insurance costs depend on factors like your pet’s breed, age, health, and the level of cover. However, knowing the average prices can help you budget.

Typical pet insurance costs

Here’s a glance at average monthly pet insurance rates for dogs and cats in the UK:

• Dogs: Monthly premiums for a 1-year-old male xxxxxxxxxxxx start at £xx a month with the time-limited plan, while £xx a month for the lifetime plan.¹
• Cats: Monthly premiums for a 1-year-old xxxxxxx range between £xxxx month with a time-limited plan and £xxxx a month for a lifetime plan.¹

These are typical costs for mid-range policies that include cover for accidents and illnesses. Some plans may also offer optional extras like third party liability, dental cover or routine care (like vaccinations, desexing, etc.). Your actual premium will vary based on your pet’s specifics, location, and any added options you choose, so it’s a good idea to compare providers.

Tips for saving on pet insurance costs

Want to save on pet insurance? Here are some tips to keep premiums manageable:

Insure your pet early

Starting your pet’s policy when they are young means lower premiums, as younger pets typically have fewer health issues. It also helps avoid complications with pre-existing conditions later.

Look out for multi-pet discounts

If you have multiple pets, look for insurance providers that offer discounts for bundling policies or covering all your pets under a single plan.

Increase your claim excess

A higher excess (the amount you pay upfront for a claim) can bring down the price of your premium. Make sure you pick an excess amount you’re comfortable paying if you need to claim.

How CoverMy Pet keeps insurance affordable

At CoverMy Pet, we understand pet owners want straightforward and affordable options to manage unexpected vet bills. Our policies focus on value and simplicity, so you only pay for cover that truly matters.

Transparent pricing

We keep things simple by avoiding excessive add-ons and confusing tiers. This means you only get the essentials you need for accidents or illnesses, helping to keep your premiums low.

No unnecessary extras

Some insurers include extras like wellness or routine cover, which can inflate premiums. At CoverMy Pet, our policies are streamlined to focus on big, unexpected costs like vet bills.

Choose affordable pet insurance

Now that you know the typical cost of pet insurance in the UK and how CoverMy Pet helps keep pet insurance affordable, it’s time to make the best choice for your furry friend and your finances.

Get a quick quote online today or speak to our friendly team and give your pet the care they deserve without breaking the bank. Your pet (and your wallet) will thank you!

¹ Price based upon a xxxxxxxx on our ‘xxxxxxxxxx’ plan.
² Price based upon a xxxxxxxxxxx on our ‘xxxxxxxxxxx’ plan. Prices correct at time of publishing.