The price of pet insurance is on the rise. Luckily, there are ways you can help cut the cost of your premiums.

How can I reduce my pet insurance?

Based on our data, the average cost of insuring a pet is £119.41**. The easiest ways to help reduce your pet insurance include: spaying or neutering, paying a higher excess, not taking out too much cover, checking whether you’re eligible for free treatment and, of course, keeping your pet healthy.

We discuss these in more detail below.

Consider spaying or neutering your pet

While cutting the cost of pet insurance should never be the main consideration when deciding whether to neuter or spay your pet, it can potentially lower your premiums. A spayed or neutered pet is less likely to wander off and both procedures can reduce the chances of your pet contracting various conditions.

How can I reduce the cost of my pet insurance?

Pay a higher excess

Pet insurance excess is the amount you’ll have to pay if you make a claim. Opting to pay a higher excess could mean that the cost of your premium is reduced. Be realistic when deciding on the amount and make sure you can comfortably afford to pay it should you have to claim on your policy.
Be wary of pet insurance policies where the provider asks you to pay a percentage-based excess as well as the usual one-off payment – this can become very expensive if you’re claiming for lengthy treatment or costly treatment.

keeping your pet healthy can reduce the insurance premium

Don't pay for more cover than you need

Pet insurance policies offer varying levels of cover, all at different prices. Don’t just assume that the most expensive policy provides the right level of protection for your pet – you could end up paying for more cover than you might need.

Look into the particular needs of your pet and choose pet insurance appropriate to them and your financial circumstances.

Check if you're entitled to free treatment

Depending on your circumstances, you may be able to get free vet treatment. The PDSA is a charity that supports sick or injured animals if their owners are on means-tested benefits.
Check here to see if you’re eligible for PDSA vet services.


The Blue Cross offers emergency care at its hospitals, mobile clinics and petcare clinics around the UK. Its vet services are available to pets whose owners are on some means-tested benefits. You’ll need to check if you live in the catchment area for one of the hospitals or clinics to be eligible for its services. You’ll find more information here.

Keep your pet healthy

If your pet falls ill and you have to make a claim on your pet insurance, your premium could increase when renewal time comes around. Take good care of their health from the day they arrive and you could save yourself a small fortune.

Make sure your pet has the right vaccinations and any annual boosters. Feed them a healthy diet, worm them regularly, protect against fleas and look after their dental health. Reducing the chances of your pet needing treatment by your local vet will, in turn, mean your premium is less likely to rise.

And be aware that if you do forget to keep your pet’s vaccinations up to date, your pet insurance policy might not be valid if you need to make a claim.

Check if you're entitled to support from PDSA

Compare pet insurance quotes

Our pet insurance comparison service is an effective way to compare quotes from more than 50 insurance providers to help your find suitable cover for you and your pet, at a price you can afford. Start a quote with us today to see how much money you could save.


**Average price (across all levels of cover, for dogs and cats), based on comparethemarket.com data from 2017. You may find a cheaper or more expensive quote based on your personal circumstances.

Compare pet insurance

Get a pet insurance quote and start saving now

Get a quote