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Top 10 1 year ago

Best Pet Insurance

Marvin curates the top pet insurance policies, right here

Here's our pick of the UK's best pet insurance policies, based on independent research 🏆

Don't forget you can get up to £140 cashback at Quidco on 8 of the top 10 pet insurance providers.

Top 10 Pet Insurance 2024

  1. Many Pets (formerly Bought By Many), Complete 🥇– up to £95 cashback
  2. John Lewis, Lifetime £12,000 🥈 – up to £140 cashback
  3. Tesco Bank, Premier 🥉– up to £60.50 cashback
  4. Revolut, Gold
  5. Sainsburys Bank, Lifetime £10,000 – up to £72 cashback
  6. Napo, Advanced - up to £140 cashback
  7. Animal Friends, Lifetime £18,000 - up to £48 cashback
  8. LV=, Lifetime, £10,000 – up to £12 cashback
  9. Agria, Lifetime Plus – up to £72 cashback
  10. Co op, Lifetime £16,000

How did we come up with this list?

We used an algorithm to combine independent ratings from Which? and Fairer Finance with Marvin's summaries of customer feedback from reviews websites 🤓

Simple!

There are also some newer providers which haven't yet made it onto Which?'s radar which might be worth your time getting a quote from.

For example, Fluffy Pet Insurance offers discounts and rewards on pet food, dog treats and more from brands like Butternut Box, Different Dog, Furbabies Botanicals and Forthglade via its app.

Pet Insurance Reviews 2023

As pet ownership continues to rise across the UK, the demand for comprehensive pet insurance has never been greater. But with a multitude of providers to choose from, finding the right policy for your furry companion can feel like searching for a needle in a haystack. Fear not! We've analysed the latest data from independent experts to bring you a guide to the top pet insurance companies in the UK. So, go fetch a cup of tea, sit back, and let us help you make an informed decision for your four-legged friend.

ManyPets

Leading the Pack

Taking the crown as the top pet insurance provider is ManyPets, with their Complete policy. Boasting an impressive £15,000 maximum vet fees cover and no excess, ManyPets provides extensive coverage for your beloved pet. With a 5-star Fairer Finance Rating, a coveted "Which? Best Buy" label, and outstanding scores in policy, claims, and customer satisfaction from Which?, ManyPets proves to be a paw-fect choice for discerning pet owners. Read the complete ManyPets review.

John Lewis Pet Insurance

Quality Assurance

With their Lifetime policy, John Lewis secures the second spot. Offering a maximum vet fees cover of £12,000 and a reasonable £60 excess, John Lewis delivers comprehensive coverage and peace of mind. Although lacking the accolade of being a "Which? Best Buy," John Lewis still receives a 5-star Fairer Finance Rating and solid scores across the board from Which?, making them a trustworthy contender. Learn more about John Lewis Pet Insurance.

Tesco

Reliable and Affordable

Tesco's Premier policy stands tall in third place with a generous £10,000 maximum vet fees cover and a £60 excess. While missing out on a "Which? Best Buy" recognition, Tesco maintains a 5-star Fairer Finance Rating and commendable scores for policy and customer satisfaction from Which?. With their pocket-friendly premiums, Tesco offers reliable coverage without breaking the bank. Here's our full Tesco Pet Insurance review.

Revolut

A Modern Approach

Innovative fintech company Revolut may surprise you with their 4th place ranking. Their Gold policy offers a maximum vet fees cover of £10,000 with a £69 excess. Although Revolut doesn't have a "Which? Best Buy" label or a Claims score listed, this fresh entrant is quickly gaining traction in the pet insurance market due to its seamless digital experience and user-friendly policies.

Sainsbury's

Longevity Matters

Sainsbury's Lifetime policy secures them a respectable fifth place. With a £10,000 maximum vet fees cover and a slightly higher £99 excess, Sainsbury's offers solid coverage. While not recognized as a "Which? Best Buy," Sainsbury's maintains a 5-star Fairer Finance Rating and a noteworthy score for policy satisfaction from Which?. Moreover, Sainsbury's covers pre-existing conditions, making them an attractive option for pets with ongoing health concerns.

Napo

Advanced Care for Your Pet

Napo's Advanced policy offers an £8,000 maximum vet fees cover and a £75 excess, earning them the sixth spot. While lacking recognition as a "Which? Best Buy" and a score for customer satisfaction from Which?, Napo still garners a 4-star Fairer Finance Rating and importantly covers pre-existing conditions. Napo could be the lifeline your pet needs.

Animal Friends

Going the Extra Mile

Animal Friends takes seventh place with their Lifetime policy, boasting an impressive £18,000 maximum vet fees cover and a £69 excess. Though not a "Which? Best Buy," Animal Friends maintains a 4-star Fairer Finance Rating and solid scores for policy, customer satisfaction, and claims from Which?. For those seeking generous coverage without skimping on quality, Animal Friends is worth considering.

LV

Trusted Insurance for Every Pet
With their Lifetime policy, LV secures the eighth spot, offering a £10,000 maximum vet fees cover and a £75 excess. While not a "Which? Best Buy," LV maintains a 4-star Fairer Finance Rating, and their policy, customer satisfaction, and claims scores from Which? speak volumes about their reliability and reputation.

Agria

Extra Protection

Agria's Lifetime Plus policy offers a £12,500 maximum vet fees cover and a £95 excess, placing them firmly in ninth position. Despite not being a "Which? Best Buy" and lacking scores for customer satisfaction and claims from Which?, Agria maintains a 4-star Fairer Finance Rating. Additionally, their policy covers pre-existing conditions, which is a significant advantage for pets with prior health issues.

Co-op

Trusted and Customer-Friendly
Co-op's Lifetime policy, ranking tenth, provides a substantial £16,000 maximum vet fees cover and a £75 excess. With the distinction of being a "Which? Best Buy," Co-op stands out among the competition. While Co-op doesn't have scores for customer satisfaction and claims from Which?, their overall reliability and positive customer feedback make them a trusted choice.

Everypaw

Life-Long Protection
Taking the 13th spot in our top 20 is Everypaw, with their Lifetime policy. Offering a maximum vet fees cover of £10,000 and an £80 excess, Everypaw ensures that your pet is well protected. Although not a "Which? Best Buy" and lacking scores for customer satisfaction and claims from Which?, Everypaw maintains a 4-star Fairer Finance Rating. Their commitment to providing lifelong care for your pet makes them a worthy consideration.

Vetsmedicover  

A Diamond in the Rough
Vetsmedicover's Diamond policy, ranking 14th, provides a maximum vet fees cover of £10,000 with a £90 excess. Despite not being a "Which? Best Buy" and lacking scores for customer satisfaction and claims from Which?, Vetsmedicover still earns a respectable 4-star Fairer Finance Rating. If you're looking for reliable coverage from a provider dedicated to your pet's well-being, Vetsmedicover is worth considering.

Kennel Club

Breeds Apart

In 15th place is Kennel Club with their Lifetime Plus policy. Offering a generous maximum vet fees cover of £15,000 and a £105 excess, Kennel Club ensures comprehensive protection for your furry friend. With a 3-star Fairer Finance Rating and commendable scores for policy satisfaction and customer satisfaction from Which?, Kennel Club demonstrates their commitment to meeting the specific needs of different dog breeds.

Waggel

Tailored Coverage at Your Fingertips

Waggel makes its appearance at 16th place with their Annual policy. With a maximum vet fees cover of £10,000 and no excess, Waggel provides convenient and flexible coverage. Though not a "Which? Best Buy" and lacking scores for customer satisfaction and claims from Which?, Waggel maintains a 2-star Fairer Finance Rating. Known for their user-friendly digital experience and customizable policies, Waggel appeals to tech-savvy pet owners.

More Than

Premier Coverage for Your Pet
Placing 17th on our list is More Than with their Premier policy. Offering a maximum vet fees cover of £6,000 and a £100 excess, More Than provides essential coverage for your four-legged companion. While not recognized as a "Which? Best Buy," More Than maintains a 5-star Fairer Finance Rating, demonstrating their commitment to quality and reliability.

M&S

Standard Excellence

With their Premier policy, M&S lands in 18th place. Providing a maximum vet fees cover of £10,000 and a £50 excess, M&S ensures solid coverage for your pet. While not rated by Fairer Finance, M&S does not have a "Which? Best Buy" label or scores for customer satisfaction and claims from Which?. However, M&S has built a reputation for offering reliable insurance across various sectors, and their pet insurance is no exception.

Looking for reviews on the best of the rest?

Did you know, Marvin has reviewed more than 50 pet insurance companies? 🤯

See all the pet insurance reviews here.

Conclusion

When it comes to pet insurance, one size does not fit all. Each pet insurance company in the Top 20 offers its own unique features and benefits. From ManyPets' unparalleled coverage to Co-op's customer-friendly approach, there's something for every budget and specific pet care needs. Remember, always read the policy documents thoroughly and consult with the providers directly to ensure you make an informed decision tailored to your furry friend. Happy pet insurance shopping!

Note: The rankings, policy features, and scores are based on the data provided by independent experts and organizations mentioned in the introduction.