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Pet Insurance comparison guideWelcome to the Compare Pet Insurance page from CareandCompare.com. Please click the 'Get Quotes' button above to get a super fast and great value price comparison from many leading providers through SEOPA Ltd's comparison service. You could save money and feel good at the same time, as we will donate 25% of any profit we make to charity - at no extra cost to you. If you want to find out more about Pet Insurance, read this guide first and then click the 'Get Quotes' button at the bottom of the page.

There are a lot of pets in the UK!

It is said that Britain is a nation of animal lovers.  According to a 2012 survey undertaken by the Pet Food Manufacturers’ Association, 48% of UK households have at least one pet. This is the equivalent of 13 million households1. The estimated number and different types of  pets is staggering; mammals, rodents, birds, fish and reptiles all feature - from 8 million dogs and the same number of cats to 1 million rabbits, 300,000 lizards and even 200,000 rats! About a quarter of UK households own at least one dog, and almost one-fifth own at least one cat.

Top 5 reasons to own a pet

  • provides companionship
  • establishes a routine
  • reduces stress
  • increases exercise
  • improves security

The responsible pet owner will fulfil the many duties of caring for their pet such as feeding, exercise, grooming, cleaning living areas and importantly, ensuring the pet receives veterinary attention for routine health matters such as vaccinations, teeth and worming. Pet insurance is yet another way that many responsible pet owners provide for their animals.

Veterinary bills are costly

Pet Insurance Dog Cat If you haven’t had to take your pet to the vet lately for anything other than a routine vaccination then you could  be in for a shock should he or she ever require treatment for a health problem or an accident (one pet insurance company states that one in three pet owners have had to make an unexpected trip to the vet).  For example, one of our staff members has an eleven year old spaniel that has always been fit and healthy, so she has never taken out pet insurance, thinking it would be a waste of money.  But in the last year he has had three emergency visits to the surgery  - one to fix a broken tail, one for acute back pain and the other for an operation to remove an obstruction of bones from his gut after eating a pig’s trotter bought from a pet-food shop (if you ever see them leave them on the shelf!). 

The bills came to £600.  His latest visit was for an ear problem.  The consultation lasted 10 minutes, a swab was taken and viewed under the microscope and he was given drops.  The bill was £76.

A ‘straw poll’ around the office of other recent veterinary bills incurred gave us the following result:
Kitten with a fractured leg - £150
Horse with hock problem  - X-ray diagnosis £300, surgery to repair - £1,800.
 
Neither of these animals were covered by pet insurance.  The horse owner in particular rues the day she decided not to take out a policy after the horse’s previous accident cost her £250 in vet bills. And whilst on the subject of horses - the amount of tack and other equipment they need would cost a great deal of money to replace if stolen or damaged. If you have a horsebox as well then you are talking big money . . .(and Yes, you can start your search for horsebox insurance from here too using the quotation service provided by SEOPA Ltd)

It pays to have Pet Insurance cover

Veterinary practices today are mostly high-tech, with well-trained staff who undergo continuous professional development.  They cost a lot to maintain.  Fees generally reflect the standard of service provided, but are never cheap.

  1. Think how awful it would be to have to make a very difficult decision about your pet in emergency circumstances if you did not have the finances to cover the treatment he or she needed at he time, and neither did you have pet insurance cover to pay those fees for you.
  2. Very few pet insurance companies will provide a new policy for an elderly animal, whereas most will continue to renew policies for veteran pets if the original policy was taken out when the pet was younger and some will provide cover for life.  It pays to think ahead – older pets, just like older people, tend to have more health problems!

Pet insurance is not just about cover for health and accidents:

  • What if your beloved pet goes missing?  - Some policies will pay the cost of advertising for lost pets.
  • What if you require hospitalisation and your dog or cat has to go to boarding kennels or a cattery?   - A prolonged stay will incur a very large boarding bill.
  • And – a nightmare scenario – if your pet ever causes an accident, for example a car crash because she ran out onto the road and the driver took avoidance action, you could be held responsible and have to pay legal costs.  Pet insurance may provide third party damage and liability cover for such eventualities, and hence peace of mind.

Finding the perfect Pet Insurance policy

Whether you keep a dog, cat, horse, or rabbit, CareandCompare.com will help you find the perfect policy that meets your individual needs through the comparison service provided by SEOPA Ltd.  You can obtain quotes from a panel of different insurers very easily and quickly using their quote forms and pet insurance price comparison service.  When the quotes are returned, you will be shown not only the price, but also what is included in the policy such as vet fees, whether multi-pet cover is available and if there is provision for  an ongoing condition for the lifetime of your pet.  Please note that not all pet insurance policies are the same.  Do check carefully to choose the policy that is best for your pet.  Start your search now! 

References
1 PFMA Survey. http://www.pfma.org.uk/pet-population/

Pet Insurance comparison Quotes     Page updated 02/07/2016