Pet insurance that starts immediately - Best Money Saver

21st November 2018by Joanna White

Pet insurance is something that’s incredibly essential to have; whether your just have one small kitten or five dogs.

Pets are an integral part of any family, therefore it’s imperative that they’re treated accordingly.

In this guide, you’ll learn everything there is to know about pet insurance, the different types of insurance you can get as well as the best pet insurance that starts as soon as possible.

What you need to know

It’s very important to note that there are actually very few pet insurance providers who offer cover that starts immediately.

There’s a something called a ‘waiting period’ whereby you have to wait a certain amount of time after your policy starts for your pet to actually be covered. While this may seem like an inconvenience, it’s actually to ensure that there is no fraud taking place.

If your pet has a pre-existing condition, then you have to purchase specific add-ons and policies that are designed especially for pre-existing conditions. You won’t automatically be covered as soon as your new insurance policy starts.

Types of pet insurance

There are various types of pet insurance that you should be aware of so that you can ensure your pet has the best possible coverage.

Accident only

Accident only coverage is the most basic and simple form of cover. This type of cover will pay for your vet bills if your pet suffers from an accident or injury; it doesn’t pay for illnesses though so make sure you’re aware of this.

Per condition with a time limit

This type of cover involves paying for vet bills that are incurred from an accident or new illness that your pet has. However, there will be a set time limit in which you can make a claim for this particular policy and will vary from each provider.

Per condition with no time limit

With this type of cover, your pet will be covered if they suffer from a new illness or an accident, but there’s no time limit on which the treatment can be paid for.

Lifetime cover

Lifetime cover is the highest tier of pet insurance and will likely be the most expensive; but it will ensure that your pet is fully covered for everything (within a maximum amount).

Ways to reduce the cost of pet insurance

As much as you adore your pet and want to ensure that they benefit from the best cover possible, it’s still always nice to keep costs down as and when possible.

  • Get your pet micro-chipped
  • Make sure you shop around to get the best insurance policy
  • Get your pet neutered or spayed to help reduce the cost of your premium

Pet insurance that starts immediately


Waiting period/coverage for illness

Maximum vet cover


Bought By Many

·         14 days ·         £15,000 a year ·         15% multi-pet discount


·         Immediate ·         £1,500 for each injury ·         30% online discount


·         15 days ·         £12,000 a year ·         Up to 10% online and multi-pet discount


·         14 days ·         Ranges ·         N/A

Pets Best

·         14 days ·         Flexible ·         N/A


Bought By Many

Bought By Many are one of the leading providers in pet insurance.

Range of policy options

Their policies range from value cover all the way to complete cover that offers up to £15,000 of vet fees cover.

15% multi-pet discount

Those people with more than one pet will rejoice at the fact that Bought By Many offer a 15% multi-pet discount.


Churchill are yet another incredibly popular industry-leading provider of pet insurance.

30% online discount

When you buy your pet insurance policy online with Churchill, you’ll benefit from a 30% discount.

Legal advice line

Churchill offer their clients bereavement counselling and a legal advice line to help them with any queries or advice they may require.


Petplan offer cover for pets aged from just 6 weeks so you can insure your beloved animal as early as possible.

Covered for life policies

Petplan’s covered for life policies ensure that your pet is well-looked after for their entire life.

Most Trusted Pet Insurance

They were also voted by Moneywise as the ‘Most Trusted Pet Insurance Provider’ in 2017 so you can rest-assured that they’re one of the best in the market.


Figo offer three different levels of coverage that you can choose from to suit both yours and your pet’s needs.

Range of medical conditions covered

With Figo, your pet will be covered for the likes of accidents, illnesses, Cancer, chronic pain and accidental dental, plus many other things.

Competitive rates

As Figo are one of the newer pet insurance providers in the industry, they can offer you extremely competitive rates.

Pets Best

Pets Best are one of the top rated pet insurance providers.

Unlimited annual plans for cats and dogs

With Pets Best you can ensure that your cat and/or dog is fully covered each and every year.

24/7 professional helpline

Pets Best offer a phone, text and chat support system as well as a 24/7 pet helpline to answer any questions you may have.

Pet insurance is an incredibly important thing to have for both yours and your pet’s safety and protection. Make sure you look around at the best deals and offers on the markets to ensure you get the best policy possible for your pet.