Question 1

How do I compare pet insurance plans?

Accepted Answer

Compare plans by looking at: monthly cost, annual coverage limit, deductible amount, what's included (accidents, illness, hereditary conditions), what's excluded, and any waiting periods. Our comparison tool shows all these factors side-by-side.

Question 2

What's the difference between Basic and Comprehensive cover?

Accepted Answer

Basic cover (£15/mo) covers accidents only with a £5,000 limit. Comprehensive (£85/mo) covers everything including hereditary conditions, dental, alternative therapies with a £50,000 limit and £0 deductible. The right choice depends on your breed and budget.

Question 3

Should I get the cheapest or most expensive plan?

Accepted Answer

Neither extreme is necessarily best. Consider your dog's breed (high-risk breeds benefit from comprehensive cover), your budget, and your risk tolerance. Standard or Premium plans often offer the best balance of coverage and cost.

Question 4

What does 'hereditary condition cover' mean?

Accepted Answer

Hereditary conditions are health issues your dog is genetically predisposed to, like hip dysplasia in Labradors or breathing issues in Pugs. Premium and Comprehensive plans cover these; Basic and Standard typically don't.

Question 5

Is a lower deductible worth the higher premium?

Accepted Answer

It depends on how often you expect to claim. A £250 deductible with a £15 premium vs £0 deductible with £85 premium - you'd need to claim frequently to benefit from the lower deductible. For healthy dogs, a higher deductible often makes sense.

Question 6

Can I change my plan later?

Accepted Answer

Yes, most insurers allow upgrades. However, any conditions that developed while on the lower plan may be considered pre-existing and excluded from the new coverage. It's often better to start with adequate coverage.

Feature	Basic £15/mo	Standard £35/mo	Premium £55/mo	Comprehensive £85/mo
Accident Coverage	✓	✓	✓	✓
Illness Coverage	—	✓	✓	✓
Emergency Care	✓	✓	✓	✓
Prescriptions	—	✓	✓	✓
Surgery	—	✓	✓	✓
Routine Care	—	—	✓	✓
Dental Care	—	—	✓	✓
Hereditary Conditions	—	—	✓	✓
Alternative Therapies	—	—	—	✓
Behavioral Therapy	—	—	—	✓

Compare Pet Insurancefor Dogs UK

Basic

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Comprehensive

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