Best Deals on Pet Insurance in the UK (September 2025)
Pet insurance is essential for ensuring that your pet receives the best care possible without the burden of high veterinary costs. In the UK, pet insurance plans are available from various providers, each offering unique coverage options and prices. Whether you’re a new pet owner or looking to change your current plan, there are many options to explore. This guide will walk you through the best deals on pet insurance available in the UK in 2025, helping you choose a plan that fits both your pet’s needs and your budget.
With numerous pet insurance providers in the UK, it’s important to compare costs, coverage levels, and benefits. Prices can vary greatly depending on the type of coverage, the breed of your pet, and your location. Additionally, many insurers offer special deals, discounts, and flexible policies designed to meet the needs of a wide range of pet owners.
Top Pet Insurance Providers and Their Deals
We’ve compiled a comparison of some of the best pet insurance providers in the UK to help you find the most affordable and comprehensive policies. Below is a table of the top providers, along with their starting premiums, key benefits, and any special offers available. These are some of the best deals on the market as of September 2025.
| Provider | Starting Monthly Premium | Key Benefits | Special Offers |
|---|---|---|---|
| MoneySuperMarket | £3.95 | Compare quotes from 36 UK insurers; various coverage levels | £10 discount with The Insurance Emporium; first month free with Waggel |
| Compare the Market | £3.72 | Quotes from 79 leading providers; multiple policy options | Up to £100 in rewards with SuperSaveClub |
| Agria Pet Insurance | Varies | Lifetime cover up to £20,000; 98% claim payout rate | 5% multi-pet discount; free 24/7 vet video calls |
| Petplan | Varies | 97% claim payout rate; 10% online discount | Claims Pricing Guarantee; no premium increase after a claim |
| ManyPets | Varies | Lifetime cover; dental illness and accident cover | Up to 15% multi-pet discount; direct vet payments available |
| PDSA | Varies | Lifetime and Time Limited policies; 97% claims paid in 5 working days | Free welcome box with code ‘PDSABOX’; 24/7 vet helpline |
As shown, there are several providers offering highly competitive premiums starting as low as £3.72 per month. These providers also offer various benefits, from multi-pet discounts to free vet consultations, which make their policies even more attractive for pet owners. Be sure to compare the deals to find the best option for your pet’s health and your budget.
Detailed Analysis of Top Pet Insurance Providers
Let’s dive deeper into the features and special offers provided by some of the top pet insurance providers in the UK.
1. MoneySuperMarket
MoneySuperMarket allows you to compare pet insurance policies from 36 different UK insurers, giving you a broad range of options. This platform is great for pet owners who want to shop around for the best deal without having to visit multiple websites. It offers both basic and comprehensive coverage, allowing you to find a plan that fits your needs and budget. Starting at just £3.95 per month, MoneySuperMarket is one of the most affordable ways to secure pet insurance.
Special Offer: MoneySuperMarket’s partnership with The Insurance Emporium gives you a £10 discount, while Waggel offers the first month of coverage free. These offers make MoneySuperMarket an excellent starting point for comparing rates and finding a budget-friendly option for your pet.
2. Compare the Market
Compare the Market is another excellent comparison tool, offering quotes from 79 of the leading pet insurance providers in the UK. The platform allows you to choose from a variety of coverage options, including lifetime cover and time-limited plans. Starting at £3.72 per month, it’s an affordable option for basic coverage.
Special Offer: With Compare the Market, you can earn up to £100 in rewards through the SuperSaveClub. This makes it a cost-effective choice for those who want to compare a large range of providers and also take advantage of rewards for switching insurance providers.
3. Agria Pet Insurance
Agria is known for providing excellent lifetime cover options, with coverage limits up to £20,000. They have a high claim payout rate of 98%, which speaks to the reliability of their insurance policies. Agria offers comprehensive coverage, including veterinary fees, treatments, and even the costs associated with long-term illness or injuries.
Special Offer: If you have multiple pets, Agria provides a 5% multi-pet discount. Additionally, they offer free 24/7 vet video consultations, which can be a real advantage if you need advice outside of regular veterinary office hours. This is an ideal option for pet owners seeking lifetime coverage with reliable customer service.
4. Petplan
Petplan is one of the most popular pet insurance providers in the UK, offering reliable and comprehensive coverage. With a 97% claim payout rate, Petplan has established a reputation for supporting pet owners during emergencies. Petplan policies start at variable rates depending on your pet’s breed and health, but they offer excellent value for the level of coverage they provide.
Special Offer: Petplan has a 10% online discount for new customers. Additionally, they offer a Claims Pricing Guarantee, which ensures that your premiums won’t increase after making a claim. This feature is particularly beneficial for those who expect to make claims frequently or want long-term stability in their premium costs.
5. ManyPets
ManyPets offers flexible lifetime coverage with an emphasis on dental illness and accident cover. This is a unique feature, as many other insurers only cover dental issues if they result from an accident. ManyPets also provides a direct vet payment option, which can save you time and reduce out-of-pocket expenses when visiting the vet.
Special Offer: ManyPets offers up to a 15% multi-pet discount, which can be particularly valuable for households with more than one pet. The ability to pay your vet directly is a significant advantage for pet owners looking for convenience and peace of mind.
6. PDSA
PDSA is a well-known charity in the UK that provides affordable pet insurance for both lifetime and time-limited policies. They have a 97% claims payout rate and promise to pay claims within five working days, making them one of the fastest providers in terms of processing claims. PDSA is especially attractive for those looking for affordable options that don’t compromise on coverage quality.
Special Offer: PDSA offers a free welcome box with the code ‘PDSABOX’ for new customers. Additionally, they provide 24/7 vet helpline access, which is a great feature for pet owners who want ongoing support with their pet’s health.
Tips for Choosing the Right Pet Insurance
Choosing the right pet insurance requires careful consideration of several factors. Here are some essential tips to help guide your decision:
- Compare Multiple Providers: Use comparison websites like MoneySuperMarket and Compare the Market to get an overview of available deals. This will allow you to compare premiums, coverage options, and special offers.
- Consider Coverage Levels: There are different types of coverage, including lifetime, time-limited, maximum benefit, and accident-only policies. Evaluate which type of coverage best suits your pet’s needs, taking into account their health, age, and potential future medical requirements.
- Check for Discounts: Many insurers offer discounts for things like multi-pet policies, paying annually instead of monthly, or new customer bonuses. Be sure to ask about any discounts available when you get your quote.
- Read the Fine Print: Make sure you understand the terms of your policy, including the excess fees, claim limits, exclusions, and waiting periods. It’s crucial to know what is and isn’t covered under your plan.
- Assess Your Pet’s Needs: Consider your pet’s age, breed, and medical history when choosing a policy. Some breeds are more prone to health issues, so you may need a more comprehensive policy to cover their needs.
Conclusion
Choosing the best pet insurance deal in the UK requires research and careful consideration. Whether you’re looking for affordable coverage or comprehensive plans that cover a range of conditions, there are plenty of options to explore. By comparing premiums, coverage levels, and special offers from providers like MoneySuperMarket, Compare the Market, Agria, Petplan, ManyPets, and PDSA, you can find the right policy for your pet’s needs. Remember to read the fine print, check for discounts, and make sure the policy you choose offers the coverage you need for peace of mind.