Pre-existing conditions are an important aspect to consider when choosing your furbabies' insurance policy. Here is an enhanced comparison table for the top 10 pet insurance companies in England, including coverage for pre-existing conditions, monthly premiums, excess amounts, customer ratings, and highlighted differences in coverages.
Highlighted Differences in Coverages:
- Optional Add-Ons: Tesco Bank offers Travel Insurance as an optional add-on.
- Excess: Excess amounts vary across providers. Petplan has a £70 excess, while LV= has a £100 excess.
- Monthly Premium: Monthly premiums also vary, with LV= being the most affordable at £8.00 and M&S Bank being the highest at £10.00.
- Customer Ratings: Customer ratings range from 4.0/5 to 4.8/5, indicating varying levels of customer satisfaction.
- Pre-existing Conditions: Some providers offer coverage for pre-existing conditions after a waiting period or with annual assessments. Tesco Bank and Animal Friends offer coverage after 2 years, while others assess annually.
When choosing a pet insurance provider in the UK, it's essential to consider all these factors, especially the coverage for pre-existing conditions, to find the best policy for your pet's needs and your budget. Always read the policy details carefully and compare multiple providers to make an informed decision.
Disclaimer: This information was uptodate at the point of generation. Please check with the insurance provider before booking. This is not a paid or affiliate post. We have no affiliation with the insurance companies listed in the table & the table is for information & educational purposes only. Please also note that the data in the table is correct as of 19th April 2024, and we advise that before choosing a pet insurance provider in the UK, it's crucial to read the policy details carefully, understand the coverage, exclusions, and limitations, and compare multiple providers to find the best policy for your pet's needs and your budget.
See our blog on the types of pet insurance cover you should be looking out for.
| Rank | Insurance Provider | Veterinary Fees | Dental Care | Diagnostic Tests | Prescription Medications | Specialist Referral | Complementary Therapies | Cremation/Burial | Third-Party Liability | Optional Add-Ons | Pre-existing Conditions | Monthly Premium (Starts from) | Excess | Customer Rating |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Petplan | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Routine Care | No | £8.50 | £70 | 4.7/5 |
| 2 | Tesco Bank | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Travel Insurance | Yes, after 2 years | £9.50 | £60 | 4.8/5 |
| 3 | Direct Line | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes, assessed annually | £9.00 | £80 | 4.6/5 |
| 4 | Animal Friends | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No | Yes, after 2 years | £9.50 | £99 | 4.5/5 |
| 5 | M&S Bank | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No | Yes, assessed annually | £10.00 | £75 | 4.4/5 |
| 6 | LV= | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes, assessed annually | £8.00 | £100 | 4.3/5 |
| 7 | More Than | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No | Yes, after 2 years | £9.50 | £90 | 4.2/5 |
| 8 | Sainsbury's Bank | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes, assessed annually | £9.00 | £85 | 4.1/5 |
| 9 | John Lewis Finance | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes, assessed annually | £8.50 | £95 | 4.0/5 |
| 10 | Bought By Many | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | Yes, assessed annually | £9.50 | £80 | 4.0/5 |