How do you get pet insurance?

5th February 2019by Joanna White

Pet insurance is an expense that many people don’t feel is necessary to invest in. While it may appear to be an expensive cost, it’s one that could literally save you thousands later down the line if you’d need to pay for vet bills, for example.

If you’re not sure how do you get pet insurance, this guide which will tell you everything you need to know about obtaining it.

What you need to know - how do you get pet insurance?

Pet insurance is much easier to come by than you may originally think; it’s what comes after you’ve obtained your policy that can be the tricky part.

Once you have your pet insurance policy in place, you can rest-assured in the knowledge that your pet is safe and protected if you ever need to make a claim. Let’s see how you get a pet insurance policy.

Research online

One of the fastest and easiest ways to get pet insurance is to simply research online. There are thousands of comparison websites who are all eager to sway you in one direction or another, so there’s always an abundance of information readily available.

Even if you don’t purchase your policy online, doing your research on various pet insurance providers online can be a great help in making your decision on which policy is best.

Ask your vet

Another great way to get pet insurance is to ask your local veterinarian for their advice. As experts in the industry, they’re sure to be equipped with plenty of valuable knowledge about which providers are the best, and where to purchase the best policy from.

Your vet may even have a system in place where they work with a pet insurance provider who can offer you discounts on your policy; enquire with your local vet and ask their expert opinion as they can offer you some of the best advice about how to go about getting pet insurance.

Make an enquiry over the phone

Arguably a more time-consuming method, but still an effective one nonetheless, is to make an enquiry over the phone.

You could ask your fellow pet owners for their advice on the best pet insurance providers, and then call various ones up to get a few quotes in place. Once you know which provider is most suitable for you and your pet, you can then make a final decision and purchase your policy either online or over the phone.

Types of pet insurance

Once you’re aware of how to get pet insurance, you may be wondering what type of policy to go for.

Accident only

An accident only pet insurance policy is the most basic and cheapest form of cover and will only cover your pet for treatment if they are injured in an accident.

Time limited

This type of policy offers cover for a certain period (usually 12 months) to cover accidents or illnesses that last less than the 12-month period.

Per condition

Often also referred to as maximum benefit, this policy covers your pet on a per condition basis and offers a fixed amount of money to treat each individual illness or injury.


A lifetime policy is the most comprehensive type of cover and will offer cover for your pet for the duration of its life. It’s also the most expensive type of pet insurance policy.

What’s included in a pet insurance policy?

There are a few things that you can expect to be included within your pet insurance policy:

  • Veterinary bills, fees and treatment costs
  • Liability cover (usually only for dogs)
  • Kennel and cattery fees if you’re rushed into hospital, for example
  • Loss and theft of your pet, as well as advertising and reward costs

Conclusion - how do you get pet insurance?

Pet insurance is a very responsible investment to make if you’re a pet owner, especially if you know you wouldn’t be able to cover the cost of the likes of veterinary bills without it.

There are so many different insurance providers on the market, all desperate for your business. There’re also many ways of going about obtaining an insurance policy. You could ask your vet for their advice about the best providers and where to get a policy from, or you could do your own research online and make a purchase straight from there.