How much does dog insurance cost in the UK?

Dogs come in a huge variety of shapes and sizes, which is one of the reasons why you’ll find a big difference between the cheapest and most expensive dog insurance plans in the UK. The average cost of a dog insurance plan with us for the 12 months up to December 2023 was £590.40, but there is huge variation. Your own costs might be quite a lot lower or higher – the only way to find out for sure is to get a pet insurance quote. These are just some of the factors that might make your own pet insurance plan cheaper or more expensive than the average dog insurance cost. What affects the price of dog insurance? The main factors affecting how much you’ll pay for your dog’s insurance plan are: Dog age and pet insurance costs As your dog ages, they’re more likely to need to see the vet, which means that pet insurance for older dogs is more expensive for younger ones. Even if you have a fit and bouncy puppy, it’s a good idea to cover them while they’re young and healthy. Our research shows that puppies can be surprisingly accident prone . Also, if you take out a lifetime plan for your dog while they’re young, you’ll be covered for conditions that crop up as they age, even if they’re ongoing. Dog breed and pet insurance cost Some dog breeds cost considerably more than others to insure . It’s all to do with statistically how likely they are to make a claim. For example, some breeds like English Bulldogs or Rottweilers have a number of known health conditions that might require expensive treatments at the vets, so they are likely to have higher pet insurance costs. On the other hand, robust breeds like Jack Russels and hardy crossbreeds like Cockapoos might be a bit cheaper to insure. Larger dog breeds tend to cost a bit more to insure than smaller ones – it’s because bigger dogs tend to have higher vet bills because they need much larger quantities of medicine for things like pain relief and anaesthetic. These are the five most expensive breeds to insure(where we insure at least 10 of that breed) and the annual cost, according to our data for the 12 months up to December 2023: And the five cheapest breeds to insure are: *Prices may vary significantly based on a range of factors. These figures are based on research conducted on 12 December, 2023. The cost of different types of dog insurance When you’re shopping around for a plan, you might feel quite bewildered by all the different types on offer and what they mean. That’s why ManyPets only offers lifetime pet insurance – we believe it offers the cover that most owners need so that their pet is adequately covered both for short-term and ongoing conditions. These are some of the other types of dog insurance plans you can buy: Accident-only pet insurance This tends to be the cheapest pet insurance and it’s often what you’ll find at the top of tables on price comparison sites. As you’d guess from the name, accident-only pet insurance won’t cover you for any illnesses at all. We estimate that more than 90% of our claims are for illnesses, so we don’t offer accident-only pet insurance because we think the cover is too limited for most owners. Time-limited pet insurance Time-limited plans are usually the second cheapest type. They cover illnesses and injuries, but only for a certain time limit (usually 12 months) from when the condition first occurred. That means they’re really only suitable for one-off conditions, not ongoing ones. ManyPets doesn’t offer these plans either, because we don’t want our customers to find themselves without cover for their dogs’ ongoing or chronic conditions. Maximum benefit plans These are sometimes called ‘per condition plans’ because they have a financial limit for each condition you claim for. They cover the condition, with no time limit, until the financial limit is reached. These plans can be significantly more expensive than time-limited or accident-only insurance as they are suitable for some longer-term health problems. Again, ManyPets doesn’t offer these plans. We want your dog to enjoy a long, healthy life, without running out of cover for an ongoing problem. Lifetime pet insurance Lifetime pet insurance is the most comprehensive plan type, which can make it the most expensive. With a lifetime plan, your dog has an annual vet fee limit that refreshes each year that you renew the plan, so you won’t run out of cover like you could with a per condition plan. This means they are the best type of plan for short and long term illnesses, as well as accidents and injuries. ManyPets only offers lifetime pet insurance plans because we don’t want you to find yourself without cover after having to make a few claims. Policy features As well as the basic plan type, not all pet insurance plans are created equal when it comes to plan features and options. When shopping around, check whether your plan includes: If you think you’ll need these types of cover, be careful you don’t choose a plan because it’s cheap, only to find it doesn’t have these elements of cover. How your location affects dog insurance costs Dog insurance is often more expensive if you live in a city, especially in London and the South-East. It’s because urban vets tend to be more expensive than in rural areas. According to our data in the 12 months up to December 2023, dog insurance was most expensive in Greater London with an average annual premium of £581.29. Northern Ireland was the cheapest area, with an average of £336.37. You can get also get an idea of what areas have the cheapest and most expensive vet costs by checking our guides to vaccination and neutering costs around the country. Is dog insurance worth the cost? With vet costs rising alongside the cost of living, you might be surprised at how much some common treatments costs . A consultation alone can be around £50 or more and the most expensive surgeries for dogs like hip replacement or cruciate ligament repair can be thousands of pounds for each affected limb. If your dog needs treatment out of hours, an emergency vet consultation can add hundreds to the bill as well. Those sorts of costs are not easily affordable for most of us, which is why pet insurance offers such valuable peace of mind. By paying a monthly or annual premium you’ll know you’ll have some help meeting the cost of expensive vet bills if you need it. Some owners choose alternatives to pet insurance like ‘self insuring’ by putting some money away in savings each month or even using a credit card to meet the cost. But it’s really important to consider the difficult decisions you might be faced with if your dog’s taken ill and you’re not insured. The true value of pet insurance isn’t just financial, it’s the peace of mind of knowing you can afford treatment for your dog when you really need it. Can you cut the cost of dog insurance? You can’t really move across the country in pursuit of cheaper dog insurance and we hope you won’t consider trading in your furry best friend for a younger model of a breed with cheaper running costs. But that doesn’t mean there aren’t a few ways to save money on dog insurance. Firstly, look at your level of cover. Plans with lower vet fee limits tend to cost less. We offer a range of vet fee cover options from £3,000 up to £20,000, to suit your budget and needs. If you’ve got more than one dog, you can save up to 15% by choosing a Multi-pet plan . Is switching dog insurance worth it? It depends on your situation. If you think you can get better value elsewhere, if your insurer hasn't been easy to deal with or if they aren't throwing in enough bonuses like ManyPets Perks , it's worth considering. One thing is for sure: if you're unhappy, you should consider switching. Find out the cost of pet insurance for your dog The best way to find out exactly how much it’ll cost for your dog is to get a quote. All ManyPets plans offer lifetime cover, so you’ll have a vet fee limit that refreshes each year when you renew. If you’re on a budget, even our Essential Care has up to £3,000 of cover each year and includes cover for complementary therapies and third party cover for dogs. For really comprehensive cover, take a look at the Complete Care pet insurance plan, which covers dental illnesses as part of up to £20,000 of vet fee cover every year.

How much does dog insurance cost in the UK?

Content

How often should a puppy poop?

Caring for disabled pets: the complete guide

Dog massage, explained: benefits, techniques, and safety tips

Derri Dunn

How much does it cost to neuter a dog in the UK?

Heart murmurs in dogs and cats

12 best low-maintenance dog breeds for easy-going pet owners

Best (and worst) dog breeds for seniors

Cruciate ligament surgery for dogs

Our plans

Resources

Company

Follow us

Country