Enter your premium, excess and expected annual vet costs to calculate whether pet insurance makes financial sense for your pet — and over their lifetime.
Enter your premium and estimated vet bills to see if pet insurance is worth it for your situation.
Compare UK pet insurance. Lifetime policies offer the best long-term value — get quotes from multiple providers to find the best cover for your pet's breed and age.
View Pet Health Books →Pet insurance reimburses vet costs above your excess (the amount you pay per claim or per year). Most policies have co-insurance or co-payment clauses — meaning you pay a percentage even after the excess. Premiums increase as your pet ages, often significantly from age 7–8 onwards.
Lifetime policies are generally best value — they cover ongoing conditions (like arthritis or diabetes) year after year. Time-limited and maximum benefit policies stop covering a condition after 12 months or a cash limit, leaving chronic illness uninsured. Read the small print carefully before buying.