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Vet care isn’t cheap. With no nhs for pets, even routine treatment can cost a lot. Pet insurance helps you manage unexpected bills while ensuring your pet gets the care they need.

What is pet insurance?

Pet insurance covers vet bills for injuries, illnesses, and sometimes routine care. It gives you peace of mind that if your pet needs urgent treatment or ongoing care, you won’t have to choose between your finances and their health.

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How does it work?

Choose your policy

Select the level of cover you need: accident-only, time-limited, per-condition, or lifetime.

Pay your premium

Choose to pay monthly or annually. Premiums depend on your pet’s age, breed, and medical history.

Make a claim

If your pet needs treatment, submit a claim. Some insurers pay the vet directly; others reimburse you.

Pay the excess

You’ll usually need to pay a set excess. Some policies also include a co-payment for older pets.

Check exclusions

Most policies won’t cover pre-existing conditions, routine care, or issues caused by lack of vaccinations.

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Types of pet insurance:

Here’s everything you need to know:

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