Pet Insurance

MyPetZilla has highlighted below, some of the most well-known, leading, online pet insurance companies, to provide you with the most cost-effective and secure quote for your pet. Mypetzilla advise's every new pet owner to take out pet insurance, to protect your pet and your pocket and as part of being a responsible pet owner.

New to Pet ownership?

If you’re new and inexperienced to owning a pet, then you won’t be aware of how costly veterinary bills can be, if you do not consider planning ahead financially. If your beloved pet falls ill unexpectedly or has an accident; treatment can quickly become very expensive, with the average vet bill costing in the region of £300. Complicated treatments such as luxating patella can cost more than £1500 per treatment. In some cases, your pet may also require on-going treatment, which can potentially cost thousands.

With this, MyPetZilla recommends you to research for the right insurance package. Below we’ve listed some of the UK’s top insurance providers.  


Discover quality Pet Insurance. Learn all about the available polices and cover for types of dogs, cats and rabbits.

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Argos pet insurance has been protecting UK pets for over a decade. They have a number of discounts and 24 hour vet helpline.

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Asda provides generally affordable Pet Insurance, with both lifetime and Accident only cover plans for cats and dogs.

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Tesco Bank Pet Insurance offers a choice of four levels of cover. Click on the link below to get pet insurance quote today.

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Pet Insurance Information

When researching for your pet insurance, it is advisable to not always look for the cheapest cover and consider exactly what level of cover you’re getting. MyPetZilla has listed some important points below, to ensure you have the best possible insurance.

Vet Fees

Expensive Vet fees are one of the main reasons pet owners plan ahead and buy dog or cat insurance. Visiting a vet without an insurance policy can work out very pricey, but with a suitable pet insurance policy, your vet fees are paid by the insurance company (minus the excess). Some insurance providers pay the fees directly to the vet, whilst other providers require the policyholder to pay upfront and then claim back the money using your policy. This will be detailed in your insurance policy statement.  

Most insurance policies will have a maximum limit to the amount of fees that they will be prepared to pay out annually and a fixed total they will pay out per reported condition.

Types of pet insurance cover


This is the best level of cover you can get. You will be expected to pay a premium cost every year of your pet’s precious life, the insurer will cover your pet regardless of any recent or existing conditions (subject to condition) , as well as the pets age. It's worth reminding yourself that each year the premium will go up as your pet becomes older.


You will have to pay monthly payments for 12 month's worth of cover, its also gives you the opportunity to explore alternative policies every year. This kind of policy works out cheaper, but isn’t always the best option, as it may offer less comprehensive cover and generally does not cover pre-existing conditions. You may also struggle to find insurance as your pet gets older.

Accident only

This is the most basic and cheapest level of cover currently existing on the market. It generally just covers accidents for example if your dog gets hit by a car, but not illnesses.

Pet Age Limit

Pet Insurance for older dogs and cats is definitely harder to come across. As animals get older, they’re more likely to require more treatment and care. Some insurance providers will only provide a new policy if your pet is under eight or nine years of age.

The most effective and simple pet insurance to gurantee continuous cover is to buy a lifetime policy when they are young. Please be aware that this is not always the cheapest option but does guarantee that your pet is covered, this also includes long-term illnesses.

What if you can’t afford insurance?

Options are still available if you’re unable to afford pet insurance. Animal charities such as PDSA  and RSPCA provides treatments on a financial stability. You will need to be claiming benefits, such as housing, and, or council tax to qualify. SPCA and USPCA offer advice for people in Scotland and Northern Ireland.

There are animal hospitals such as The Blue Cross in London and Grimsby. Again, you will have to be in receipt of benefits. You may also be asked to make a donation towards treatment, depending on what you can afford. 

How are pet policies calculated?

As with most insurance policies, this will be different between each policy provider. There are also a number of different factors that can affect pet insurance premiums. 

Typical points will most likely include the breed, age of the animal, the product selected if your pet has been micro-chipped and possible future veteran fee cost inflation. 

Your postcode will most likely make a difference to your policy and its generally considered to be more costly in urban areas, rather than rural areas. London is recorded to have the highest prices of all.