The Best Pet Insurance of 2018 - Best Money Saver

1st November 2018by Chloe Dickenson

Pets aren’t just something in your household; they’re a valuable part of the family and they deserve to be treated as such.

With that in mind, they need to be well taken care of and in the event of illness, injury or general unkempt health, they need to be well treated. This is where excellent pet insurance comes in so that you don’t face extortionate vet bills and unexpected expenses that you have to pay an arm and a leg for.

There are so many pet insurance providers in the market, all desperate for your business so that they can help you to provide the best care for your beloved furry friend.

We’ve complied a list of the best pet insurance providers of 2018 as well as a guide that will help you to make the best decision for both you and your pet.

Pet insurance provider Online Discount Vet cover Pet insurance provider Online Discount Vet cover
15% Up to £7,000 M&S Bank 15% Up to £7,000
varies varies Quotezone varies varies
50% for first 2 months Up to £12,500 Agria 50% for first 2 months Up to £12,500
varies unlimited Animal Friends varies unlimited
15% Up to £12,000 More Than 15% Up to £12,000
12 months for the price of 9 Up to £8,000 Direct Line 12 months for the price of 9 Up to £8,000
10% Up to £12,000 Petplan 10% Up to £12,000

M&S Bank

M&S Bank offer a variety of pet insurance cover options including essential, standard and premier options. They also have professional vets on hand 24/7 to provide you with any medical advice for your pet, at any time of the day!

Spread the costs

With M&S Bank you can spread the cost of your insurance policy over the course of 12 months by paying via Direct Debit at no additional cost!

Medical advice

Another great feature of insuring your pet with M&S Bank is that they have a free 24 hour pet helpline available at your disposal. Whatever query you may have, their qualified veterinary nurses are on hand to give you advice and guidance on any pet you may come into contact with, not just your own!

Pros

  • Payments through monthly instalments
  • Extra support and advice
  • Multi-pet discount

Cons

  • Only covered for up to £7,000

Verdict

M&S Bank is a great pet insurance provider who will help you with any queries you may have about your pet. You’ll also benefit from an impressive 15% online discount.

Quotezone

Quotezone themselves don’t actually provide pet insurance but you can receive instant cheap pet insurance quotes from over 15 insurance providers across the U.K. They are a great insurance comparison site so that you can be well-informed with all the relevant information you need to make a decision.

Excellent comparison site

Quotezone allows you to browse through over 15 pet insurance providers in order to gather all the relevant information that you need to be well prepared to make your decision of which policy is the best for both you and your pet.

Easy to use service

What’s more, Quotezone makes it extremely easy to compare the best pet insurance providers. With easy to fill in quote systems as well as short online forms that will bring back many results of the best pet insurances in the U.K., Quotezone will ensure you can compare the best policies.

Pros

  • Compares many different pet insurance providers
  • Easy to use
  • Buy online or by phone

Cons

  • They’re not actually an insurance provider themselves – just a third party quoting system

Verdict

Quotezone will provide you with a plethora of information that will help you to make a well-informed decision about which pet insurance is the best for both you and your pet.

Agria

This award-winning pet insurer will provide you with excellent cover for your pet so that you can rest assured they’ll be well looked after in the case of an incident, accident or emergency. You’ll also benefit from a number of great offers and deals when you buy pet insurance with Agria.

50% off for the first two months

One incredibly great unique selling point of Agria pet insurance is that you can receive 50% off your insurance premium for the first two months of any policy!

Up to £12,500 vet cover

Agria is also one of the best pet insurance providers in the business as they can offer you up to £12,500 in cover for your cat and/or dog, as well as up to £2,500 for rabbit cover.

Pros

  • High cover for your pets
  • Donation of £1 from every policy to International Cat Care
  • Award-winning providers

Cons

  • Rabbit cover isn’t as much as other pets

Verdict

Agria pet insurance are definitely one of the leading providers in the market, as well as award-winning ‘Best Claims Service’ for the 2018 Moneyfacts Consumer Award! Their pet insurance policies are sure to keep your pet well-covered in the case of an emergency or accident.

Animal Friends

Animal Friends pet insurance have over 18 years of experience in the industry and have a vast range of policies available that are sure to suit both you and your pet. Their expertise in the industry means that you’re guaranteed to get the best rates and deals on your pet insurance.

Over 800,000 pets under their belts

Along with excellent policies and an incredible ethos, Animal Friends have provided exceptional pet insurance policies for over 800,000 pets including dogs, cats and horses.

Award-winning insurance provider

Animal Friends have a number of incredible awards in their portfolio, including ‘Outstanding Broker Claims Team of the Year’ and ‘Claims Initiative of the Year’. Each and every award is well-deserved by Animal Friends as they endeavour to provide the best policies that will ensure your pets are always cared for and looked after.

Pros

  • Policies start from just £3.01 a month
  • Donated over £3.7 million to over 300 animal charities across the world
  • 4 different levels of cover for your pets

Cons

  • No consistent online discount

Verdict

Animal Friends are definitely one of the best pet insurances available in 2018. You can benefit from 4 different levels of cover that are specifically designed to look after any pet, as well as working with an award-winning, charitable insurer.

More Than 

When you buy your pet insurance on the More Than website, you’ll receive a 15% discount off your pet insurance policy! More Than also offers incredibly competitive rates and you can even update and change your policy as you go.

4 types of cover

The More Than pet insurance policies offer 4 different types of cover; accident only, basic, classic and premier. The type of policy you take out will depend on what kind of cover you require for your pet. The accident only policy is the cheapest insurance policy, but you will also only be covered up to a certain extent. Whereas their Premier policy offers lifetime cover for your pet and you can renew each and every year to ensure your pet is always well looked after.

24/7 advice

One of the many benefits that More Than pet insurance offers is that you can use their 24/7 ‘vetfone’ that will provide you with any advice or help you need from veterinary experts at any time of day.

Pros

  • 10% multi-pet discount as well as a 15% online discount
  • Easy to make a claim
  • 24/7 helpful veterinary advice from experts

Cons

  • So many policies to choose from, it can be overwhelming

Verdict

More Than pet insurance is definitely one of the best providers in the industry. They’ll ensure your pet receives the best policy possible so that they’re covered for every eventuality.

Direct Line

Direct Line offer an online discount whereby you can get 12 months for the price of 9, meaning you’re looking after your pet and making sure they’re well covered while saving yourself money! They’re also considered to be one of the best providers in the market; not just for their pet insurance but for the likes of home insurance too!

Multi-pet discount

When you insure more than one pet with Direct Line, you’ll receive a 12.5% discount if they’re on the same policy. Even if you are an existing customer and you obtain a new pet, you can add them onto your policy!

Customisable cover

Direct Line offer two different types of cover for your pet; essential cover and advanced cover that can be fully customised so that it suits your and your pets needs. With their pet insurance, your pet will be covered for the likes of injury and accidents as well as diseases and euthanasia should the worst happen.

Pros

  • Fully customisable cover
  • 5 in 1 care package
  • 24/7 online access to a qualified vet if you need extra advice or help

Cons

  • Policies only cover up to £8,000

Verdict

Direct Line’s pet insurance is one of the best in the business. You can rest-assured that you’ll have access to any veterinary professionals should you require assistance and you can also make sure every single one of your pets are fully covered, all the while saving money through their discount policies.

Petplan

Petplan is considered to be the U.K.’s ‘most trusted pet insurance’ according to the Moneywise Customer Service Awards 2017. They also offer a 10% online discount, so you can save a few pounds while providing your pet with the best insurance cover possible.

Quick turnaround for claims

Petplan pay 90% of claims within 5 working days, so you don’t have to spend ages worrying about your pet as well as extortionate veterinary bills.

Working with charities

Yet another great reason why you should consider using Petplan as your pet insurance provider is that they work with over 1000 animal charities across the U.K. With the help of people buying their pet insurance policies, they’ve raised over £3 million for animal charities!

Pros

  • They can pay the vet directly in the event of a claim
  • Customer rewards and excellent discounts available
  • Range of veterinary specialists on hand to help

Cons

  • Only a 10% online discount which is less than some other pet insurances

Verdict

It’s no wonder why Petplan was voted as the U.K.’s most trusted pet insurance as they have a great range of policies available, so you can ensure that you pet is well-looked after in the event of an accident or incident.

Buyers guide

Your furry friend isn’t just a pet; they’re a part of the family so it’s only understandable that you want to make sure they always receive the same level of care and protection that any family member would get. When comparing pet insurance providers, it’s imperative to think about all the different factors that can influence your decision of which insurer to go with.

Here are some things to look out for when buying your pet insurance.

What does your pet insurance cover?

One of the most important things to look into is what exactly your pet insurance will cover.

There are hundreds of different providers who will all offer different cover on different issues, so you’ll need to think about what you want to get out of your policy and what is the most important for your pet to have.

Pet insurance can cover a whole manner of things including (but not limited to) unexpected illness, long term conditions such as heart or kidney problems, emergency operations, euthanasia plus so much more.

Make sure you choose a pet insurance that offers the exact cover that you need and want for your pet.

Different types of pet insurance

As well as the different types of things that pet insurance covers, there’s also different types of actual pet insurance. These include accident only, time limited, lifetime insurance as well as maximum benefit.

They will all have different upfront costs, they’ll cover different issues and they will all depend on exactly what your pet needs.

It’s important to consider what you want your pet to be protected from and whether you want to purchase your pet insurance in monthly or yearly instalments, or whether you want to invest in a lifetime insurance policy.

Why it’s so important to have

Pet insurance is so important to have for a number of reasons, most importantly so that you can ensure your furry friend lives for a long time as part of the family.

If your pet is prone to becoming ill, or they’re involved in an accident that requires an emergency operation then you could find yourself facing hefty vet bills and medicinal costs.

Having a great pet insurance plan in motion will help you to avoid these extortionate costs and will also put your mind at ease in the knowledge that your pet can receive urgent medical attention should they need it.

Pet insurance should be one of the first things that you purchase when you get a pet. If you insure them from the earliest convenience, then you can rest-assured that they’ll be protected from the moment you bring them home.

By taking the time to compare different pet insurance providers in great detail, you can ensure that your pet is healthy, happy and well looked after as well as getting the best value for your money.