Compare pet insurance quotes from the UK’s leading insurance providers
We simplify your search by comparing policies from over 25+ top-rated UK insurers all in one place. We help you compare key features like: vet fee limits, cover types (lifetime, accident-only, etc.), excess amounts to get cover for your dog, cats and rabbits.
Easily set and manage reminders, from vet appointments to flea treatments and even personal notes. Quays helps keep both your pet’s care and your personal tasks on track, so you never miss a thing.
Our platform connects you with fellow pet parents for advice, tips, and shared experiences, so you’re never navigating pet care alone.
Pet Insurance
Every pet is unique and your pet deserves personalized protection. Quays provides tailored insurance to cover vet bills, accidents, and unexpected health issues. Enjoy flexible plans, 24/7 expert support and peace of mind, knowing your pet is protected
Easily set and manage reminders, from vet appointments to flea treatments and even personal notes. Quays helps keep both your pet’s care and your personal tasks on track, so you never miss a thing.
Our platform connects you with fellow pet parents for advice, tips, and shared experiences, so you’re never navigating pet care alone.
Compare Dog Insurance
Get quotes from different providers tailored to your dog's breed, medical condition and protect you and your pet from vet bills, injuries, accidents and future mishaps.
Compare Cat Insurance
Compare quotes for felines of different ages, from kittens to senior cats. Protect your cat against unexpected health costs
Compare Rabbit Insurance
Protect your bunny with a cover for vet treatment, injury, and illness, ideal for both indoor and outdoor rabbits
Key Insurance Benefits
Accident & Illness Coverage
We’ve got your pet covered when the unexpected happens—injuries, sickness, and more.
Routine Care Options
Stay on top of check-ups, vaccinations, and dental care with optional wellness add-ons.
Customizable Plans
Choose a plan that fits your pet’s needs—and your budget. Flexibility, your way.
Vet of Your Choice
Visit any licensed vet, clinic, or emergency animal hospital—no network restrictions.
Fast Claims & Reimbursements
Submit claims easily and get paid quickly, no long waits or complicated processes
Lifetime Coverage Available
Insure your pet for life with plans that grow with them through every stage.
How much is pet insurance?
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There’s no one-size-fits-all answer. The cost of pet insurance depends on several factors, which include your pet, your coverage level, and the insurer you are opting for. Here are some factors that influence price. This include;
- Your pet’s breed and age
- The type of cover you pick(accident-only, time-limited or lifetime)
- Any previous claims you have made
- Your location in the UK
- If your pet has any pre-existing conditions
How much is the average monthly cost of dog insurance?
£ 3.35
51% of our customers pay this amount or less for a pet with no preexisting issues
How much is the average monthly cost of cat insurance?
£ 3.35
51% of our customers pay this amount or less for a pet with no preexisting issues
What does pet insurance cover?
Vet treatment costs: Includes fees for medication, prescribed therapies, and necessary prescriptions after accidents or illness.
Hospital visits: Covering overnight stays, monitoring, and emergency care when your pet needs it most.
Diagnostic testing: From blood tests to scans like X-rays and MRIs to help diagnose conditions early.
Dental care (Non-routine): Cover for dental treatment required as a result of injury or illness not regular check-ups.
Alternative therapies: Some policies include hydrotherapy, physiotherapy, or acupuncture where recommended by a vet.
Euthanasia costs: In situations where it’s the most humane option, many policies help cover the associated vet costs.
Lost or stolen pet cover: Advertising costs, reward offers, or even compensation if your pet can’t be found.
Third-party liability (Dogs only): Covers legal costs and damages if your dog injures someone or causes property damage.
Emergency kennel/cattery fees: If you are hospitalised and can’t look after your pet, some policies cover the cost of temporary care.
Pre-existing health conditions: Illnesses or injuries your pet already had before the policy started.
Routine vet care: Regular check-ups, vaccinations, flea/worming treatments, and other preventive care.
Routine dental care: Standard teeth cleaning or check-ups, unless treatment is needed due to an accident or covered illness.
Neutering or spaying: The cost of sterilising your pet for birth control or health reasons.
Cosmetic procedures: Non-essential surgeries like tail docking, ear cropping, or declawing.
Cremation or burial costs: Fees for after-life services for your pet.
Behavioural training: Costs for training to improve behaviour or teach commands.
Banned breeds: Any dog breeds prohibited under UK law.
Unvaccinated or unchipped pets: Claims may be denied if your pet isn’t vaccinated or microchipped as required.
Types of Pet Insurance
Lifetime Insurance
Lifetime pet insurance policy provides comprehensive coverage for your pet’s entire life, as long as you continue to renew your policy and pay your premiums. This type of insurance is also known as “whole life” or “lifetime cover” insurance.
Annual (Time-Limited) Insurance
Annual (time-limited) insurance provides coverage for a specific period, usually 12 months, from the date of diagnosis or treatment of a condition. This type of insurance is designed to help manage veterinary expenses for a limited time.
Maximum Benefit Insurance
Maximum Benefits insurance is a type of pet insurance that covers a set amount per condition. Once the maximum limit is reached for a particular illness or injury, that condition is no longer covered, but other conditions remain insured.
Accident-Only Insurance
Accidents-Only insurance is a basic type of pet insurance that covers the cost of veterinary treatment if your dog is injured in an accident. It does not cover illnesses or routine check-ups. This policy is usually the most affordable option, making it a good choice for pet owners looking for budget-friendly coverage
Pet Tips & Advice
Frequently Asked Question
What does pet insurance actually cover?
Pet insurance can help cover unexpected vet bills from accidents, injuries, and illnesses—like sudden tummy troubles, broken bones, or those sniffles that need treatment. Some plans also cover routine care like vaccinations or dental cleaning, so your best buddy stays happy and healthy!
Is pet insurance worth it?
Absolutely! Vet care can be expensive, and having pet insurance means you’re never caught off guard. It helps you focus on your furry friend’s health—not your wallet. After all, your pet’s happiness is priceless!
Can I keep my current vet?
Of course! Most plans let you visit any licensed vet, so you don’t have to leave the clinic your pet already knows and loves. If your pet needs to see a specialist or even if you’re traveling, you’ll still have coverage.
How much does pet insurance cost?
The cost depends on your pet’s breed, age, and the coverage you pick. Plans can be as low as £20 a month—or more if you want extra protection. We’ll help you find the right fit for your pet’s needs and your budget!
Will pre-existing conditions be covered?
Here’s the thing: most insurance plans don’t cover illnesses or injuries your pet already had before signing up. But don’t lose heart—new issues that happen after your policy starts are covered. It’s a fresh start to help your pet face whatever comes next.
Can older pets still get covered?
They sure can! Older pets are just as deserving of love and care—sometimes even more so with those sweet silver muzzles and soulful eyes. While premiums might be a bit higher, it’s a small price to keep them feeling safe and loved in their golden years. We’ll help you explore what’s possible so your best friend gets the care they need.
Will my premiums go up as my pet gets older?
They might, and it makes sense—like us, our pets need a little extra care as they age. But remember, this coverage can be a lifesaver when the unexpected happens. One emergency vet visit can cost hundreds or even thousands—having insurance can turn that scary moment into just another chapter in your pet’s adventure.
Is pet insurance really worth it?
We think so—and many pet parents agree! A survey by the Association of British Insurers found that the average claim for a dog’s unexpected illness is over £800. That’s a lot of chew toys! Pet insurance means you don’t have to choose between your pet’s health and your budget. It’s a way to honor that promise you made the day you brought them home: that you’d always be there for them, no matter what.
Can I get cover for my rabbit’s vaccinations and routine care?
Standard policies do not cover routine care, vaccinations, or neutering, but we offer optional wellness plans that can help cover preventive treatments.