Pet insurance in the UK helps cover unexpected vet bills, with lifetime policies offering the most comprehensive long-term protection. You can use our pet insurance comparison tables to find the best deals and offers to insurance your pets.
| Name | Logo | Excess | Vet Fees | 3rd Party Cover | GMG Rating | CTA | Feature | Expand |
|---|---|---|---|---|---|---|---|---|
 | Excess £0 | Vet Fees £15,000 | 3rd Party Cover 83% | GMG Rating | Regulation:
| Petgevity Review: Lifetime pet cover that goes the extra mile Provider: Petgevity Verdict: Petgevity offers flexible lifetime pet insurance for dogs and cats of all ages, including those with pre-existing conditions. Strong extras and customer service stand out, though claims ratios trail competitors. Summary Petgevity is a UK pet insurance provider specialising in lifetime cover, widely considered the most comprehensive type of pet insurance because it pays out year after year for ongoing conditions. The brand was formerly known as Petsure before rebranding in 2025, and is part of the Staysure Group, a well-established name in UK insurance. Where Petgevity stands out is in its inclusivity. Unlike many rivals, it does not impose an upper age limit, and it will consider pets with pre-existing conditions through its “Lifetime Plus” policies. That makes it attractive for owners of older pets or breeds prone to hereditary conditions, where many insurers simply refuse cover. Customers can choose annual vet fee limits between £1,000 and £15,000, and policies can be tailored with or without an excess or “bill share.” Optional add-ons cover dental illness, complementary therapy, behavioural treatment, overseas travel, and even farewell cover (euthanasia costs). Another strength is added value. All policies include 24/7 video vet consultations via FirstVet, giving owners immediate access to professional advice without a trip to the surgery. Multi-pet discounts are also available, and policies can be managed online, which keeps the admin simple. How Petgevity compares to competitors Compared with other leading pet insurers, Petgevity sits in the upper middle ground. It is more flexible than budget providers like Animal Friends, who often exclude chronic or pre-existing conditions, and offers more customisation than Waggel, which takes a one-size-fits-all approach. Its benefits are comparable to ManyPets, another strong choice for lifetime cover and pre-existing conditions. Where Petgevity falls short is in claims performance. Independent research by Which? found Petgevity paid 83% of claims in 2023, against an industry average of 95%. That doesn’t mean most claims fail—thousands of customers report smooth, fast payouts—but it does suggest stricter policy definitions or exclusions than some rivals. It’s also worth noting that customer feedback shows premiums can rise sharply at renewal, particularly for older pets or after a claim. Customer experience and reputation On Trustpilot, Petgevity scores around 4.3 out of 5 from thousands of reviews, with 80% rating it excellent. Many highlight friendly, responsive staff and claims settled within a week. However, a minority report frustration with price hikes and claim denials over what the insurer deems pre-existing. Reviews on Smart Money People echo this picture: generally positive, but with enough negative feedback to make prospective customers cautious about reading the small print. Is Petgevity a good pet insurance provider? Petgevity is a strong choice for pet owners who want lifetime protection, tailored policies, and cover for pets often excluded elsewhere. Its extras, such as 24/7 vet video calls, are genuinely useful, and its flexibility on pre-existing conditions makes it stand out. However, its claims ratio lags behind the best in the market, and the possibility of steep renewal increases should be factored into budgeting. For pet owners who want certainty of cover and are prepared to pay for peace of mind, Petgevity is a competitive, feature-rich option worth considering alongside rivals like ManyPets and Waggel. Pros
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Cat Insurance
If your feline friend became ill or was injured, would you be able to afford the vet bills for the treatment it needed? Taking out cat insurance gives you peace of mind that you would be covered if this were to happen to your cat or kitten.
Compare Cat Insurance OffersDog Insurance
There’s no NHS for dogs so if your beloved pooch falls ill or is in an accident it could cost you hundreds or even thousands of pounds to get it the veterinary treatment it needs. Dog insurance can help you avoid unexpected bills.
Compare Dog Insurance OffersWhat is the best pet insurance in the UK?
There’s no single answer to which is the best pet insurance, because the best pet insurance UK depends on your pet, your budget and how much risk you’re willing to cover yourself. When asking what is the best pet insurance or what is a good pet insurance, focus less on the brand name and more on the policy details.
Key things to look at include what does pet insurance cover UK, the annual vet fee limit, excess levels, and whether it’s lifetime or time-limited cover. A good benchmark is asking what is a good annual limit for pet insurance UK — many vets suggest £5,000–£10,000 per year for dogs and £3,000–£7,000 for cats. If you’re wondering how much pet insurance do I need, it usually comes down to whether you could afford a large vet bill yourself.
Also check exclusions carefully. Most policies won’t cover pre-existing conditions, so if you’re searching what pet insurance covers pre existing conditions, be aware these are rare and often restricted. Comparing policies is the best way to decide which pet insurance is best or which pet insurance is the best for your situation.
What are the 4 types of pet insurance?
There are four main types of pet insurance, and understanding them helps explain how does pet insurance work UK.
Lifetime pet insurance
This is the most comprehensive option. A lifetime pet insurance policy resets the vet fee limit every year as long as you renew. If you’re asking what is lifetime pet insurance, it’s designed to cover ongoing conditions for life. Many owners ask is lifetime pet insurance worth it — for long-term illnesses, it often is. Understanding how does lifetime pet insurance work is key before buying.
Time-limited pet insurance
Also known as what is time limited pet insurance, this covers conditions for a fixed period (usually 12 months) and up to a set amount. Once that limit is reached, the condition is excluded.
Maximum benefit pet insurance
This gives a fixed pot of money per condition, with no time limit, but once the money is used, that condition is no longer covered.
Accident-only pet insurance
The cheapest option, covering injuries but not illnesses. It’s rarely considered what pet insurance is best, but some owners choose it for budget reasons.
Is pet insurance a good idea?
Many owners ask is pet insurance worth it or is pet insurance worth it UK. The short answer: for most people, yes. Vet bills can run into thousands, especially for dogs, which is why people often ask do I need pet insurance or do you need pet insurance.
Costs vary widely. If you’re wondering how much is pet insurance UK or how much is pet insurance a month, expect anywhere from £10–£15 for cats to £25–£60+ for dogs. Factors like breed, age and postcode affect how much does pet insurance cost and how much is pet insurance for a dog UK. Larger breeds usually push up how much does pet insurance cost for a dog.
Insurance often covers accidents, illnesses and sometimes extras, but people commonly ask does pet insurance cover vet visits, does pet insurance cover dental, or does pet insurance cover euthanasia. Coverage varies, so always check the wording. Claims can increase premiums too, which is why people ask does claiming on pet insurance increase premium.
What do vets think of pet insurance?
Most UK vets are broadly supportive of pet insurance. From their perspective, insured pets are more likely to receive the best possible treatment without cost delaying decisions. Vets frequently explain how does pet insurance work to owners during consultations.
However, vets also see confusion around coverage. Common questions include does pet insurance cover neutering, will pet insurance cover neutering, does pet insurance cover spaying, and does pet insurance cover spaying and neutering. In most cases, routine procedures like neutering, vaccines and dental cleaning are not covered, which answers does pet insurance cover vaccines for most policies.
Vets also stress honesty. Insurers share records, so how do pet insurance know about pre existing conditions UK is simple: vet history. Finally, vets often remind owners that you can usually change provider, as can you cancel pet insurance at any time is typically allowed, though switching may reset exclusions.