Why do I need dog insurance?
Dogs aren’t like us. They get into potentially dangerous scrapes, have no self-control when it comes to scavenging and don’t think twice about chasing rabbits/pheasants/other dogs into the unknown. With vet bills rising every year, taking out pet insurance could help protect your dog from harm and you from unexpected medical bills. And those bills can be considerable:
- removing a lump and biopsy could set you back £650+
- treating arthritis or a degenerative joint disease could add up to £370
- bloat or gastroenteritis could cost you around £480
Frequently asked questions
What are the most common dog health problems?
Illnesses that could affect your faithful friend include:
ear infections – these can be caused by allergies, yeast or ear mites. Surgery can be needed for chronic infections.
worms – worm infestations can be serious for your pet. Your vet can prescribe medicine depending on the type of parasite.
fleas – your vet can give you advice on the best flea treatment for your dog.
dermatitis – this bacterial infection can grow larger if left untreated. Your vet can prescribe antibiotics, anti-inflammatory or steroids.
vomiting – this can be caused by anything from parasites to pancreatitis.
How much does dog insurance cost?
The average yearly cost of insuring a dog is £111, across all levels of cover.**
Accident only policies tend to be the cheapest, but they offer the most limited level of cover. Lifetime cover is the most comprehensive type of policy, but it's also the most expensive.
**50% of people could achieve a quote of £110.52 per year for their max benefit dog insurance based on Compare the Market data in May 2018.
What are the different types of dog insurance?
There are four main types of insurance for dogs:
1. Accident only – we've found 50% of customers could pay up to £3.01 a month for this cover.**
Offers cover for your vet bills if your dog is unlucky enough to have an accident.
Doesn't cover illness or if they develop any medical conditions in the future.
This is usually the cheapest type of policy.
2. Time Limited – we've found 50% of customers could pay up to £5.09 a month for this cover.***
Covers any new illnesses or conditions that your dog develops in a 12-month period.
There's usually a cost limit.
You can only claim once for a particular illness or condition – and only up to a certain value.
If the condition returns after the 12-month period, you won't be covered for any medication or treatment for it.
3. Maximum Benefit – we've found 50% of customers could pay up to £9.21 a month for this cover.****
Covers illnesses and accidents up to a maximum amount per condition,
There's no time limit on how long you can claim for.
Can be useful if your dog has a chronic or persistent illness.
There's a financial limit and once you've reached that you won't be able to make any further claims.
4. Lifetime – we've found 50% of customers could pay up to £10.16 a month for this cover.*****
Covers your dog for accidents, illnesses or conditions throughout its lifetime, subject to limits as advised in the policy.
You'll need to have continuous cover to ensure your dog is insured.
**50% of customers could achieve a premium of up to £3.01 a month based on Compare the Market data in May 2018.
***50% of customers could achieve a premium of up to £5.09 a month based on Compare the Market data in May 2018.
****50% of customers could achieve a premium of up to £3.21 a month based on Compare the Market data in May 2018.
*****50% of customers could achieve a premium of up to £10.16 a month based on Compare the Market data in May 2018.
What should I look out for when choosing dog insurance?
It’s always a good idea to check exactly what’s covered by your policy, as cover can vary among different insurance providers.
Here are some things to look out for:
- are emergency boarding fees covered? Not all policies offer this.
- is dental care included? Not all policies offer this.
- does your policy provide cover if your dog is stolen or goes missing? This could cover the costs of advertising details of your missing dog or a reward to help find them. If your dog isn’t found, some insurance providers even offer a one-off payment
- is third party liability insurance included? This can cover you for any costs arising from accidental injury or damage to property caused by your dog.
What affects the price of dog insurance?
Ultimately, the price of your pet insurance depends on your dog’s:
- Age – as a general rule, older dogs are more expensive to insure as they tend to need more medical care.
You could also find that there are more restrictions attached to the policy. And be aware that if your dog has a ‘pre-existing’ medical condition – this and the treatment of it will not be covered by your insurance policy.
- Breed – Your policy may take into account any risks specific to his or her breed. For example:
- Bulldogs are prone to breathing problems.
- Labradors tend to suffer from hip and elbow conditions.
- Larger breeds normally cost more to insure than smaller ones.
- Pedigree dogsare typically more expensive to insure as they are more prone to hereditary illnesses than cross-breeds.
How do I find a good deal on dog insurance?
Get a range of quotes for insurance for your puppy or dog with our price comparison service. Just tell us a few details and get a quote in minutes.Get a quote