Insure your happiness

Dog insurance

Look after them with an award-winning dog insurance policy.

  • Unlimited free vet video calls, day or night
  • Pet care discounts to keep your dog happy and healthy
  • Up to £15,000 vet fee cover
  • We cover conditions that ended two years ago
Vet treating a dog

Look after them with lifetime dog insurance

Your dog is your therapist, your mood booster and your coach.

They look after you in so many different ways and you can insure your happiness with the right pet insurance.

If your dog falls ill or gets injured it can cost hundreds or thousands of pounds to put them right again.

Treating your dog for epilepsy could be over £3,300, while surgery for a puppy with hip dysplasia can be over £13,000 according to the ABI. Even a bout of gastroenteritis could can run up a £673 bill.

That's where pet insurance comes in. It helps your beloved hound get the treatment they need, when they need it.

Why lifetime insurance for dogs?

We don’t want you to run out of cover while you still need it, so all our dog insurance policies are lifetime policies.

That means that your vet fee limit will refresh each year, as long as you renew.

The many ways we look after you and your dog

You get more than just insurance from a ManyPets dog insurance policy.
Two speech bubbles, one with a play symbol and the other with a vet

24/7 video vet

Free access to a qualified vet for help and advice, day or night.

treatment

Flea treatment

Discounts on ManyPets Flea, tick and worm plan.

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Free petsitting

A year's free TrustedHousesitters membership.

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Spread the cost

Pay for your policy monthly at no extra cost.

What’s covered by a ManyPets policy for dogs?

Your ManyPets dog insurance covers more than just veterinary treatment:

  • Pre-existing conditions – All our policies cover your dog’s past conditions that ended two or more years ago. We also have a Pre-existing policy that covers more recent conditions.

  • Dental treatment – Our Complete policy covers dental accidents and illnesses as long as your dog’s had a dental check-up in the past 12 months. All our other policies cover dental accidents.

  • Third party liability – All our policies include cover for someone taking legal action against you and your dog.

  • Complementary therapies – if your vet refers your dog for hydrotherapy or other complementary therapies you have complementary cover within your vet fee limit. The level of cover ranges from £500 to £2,500 depending on which policy you choose.

  • Behavioural treatment – If your dog needs to see a specialist for problems like biting, barking or chewing, it’s covered when you’re referred by your vet.

We see your dog’s wellness as a complete package. That’s why we also give you unlimited video calls to a qualified vet 24/7, discounts on flea, tick and worm treatments and a year’s free Trusted HouseSitters membership.

ManyPets’ award-winning dog insurance

Our Complete policy for dogs was a Which? Best Buy in December 2021 and dog owners voted us Pet Insurance Provider Of The Year for two years running in the Moneyfacts Consumer Awards. Read some of our thousands of five-star Feefo reviews to find out why.

Photograph, Dr Kirsten Rongren kneeling down next to her two golden retrievers who are either side of her. Kirsten is wearing a green top and blue jeans. She is a green park surrounded by fallen leaves.

Plan for the unexpected with dog insurance

Our dogs love to eat things they shouldn’t, run into places they shouldn’t, and are not immune to developing long-term illnesses.

Knowing that you can afford emergency foreign body removal surgery that costs thousands of pounds or see a dermatology specialist for a complex allergy workup for your dog without hesitating is possible with a good insurance policy.

Dogs are our best mates, and it feels good to know we can be there for them too.

Dr Kirsten Ronngren – ManyPets veterinary surgeon

Reviews of ManyPets dog insurance

We publish all our policy and claims reviews on our Feefo page. Here are some of the thousands of five-star ratings.

5 out of 5
Feefo independent customer feedback

“Dogs best friend”

Always there when I need them and providing an excellent service for Hugo

Roselein
5 out of 5
Feefo independent customer feedback

“Good value policy, efficient easy claims process”

I recently put in 2 claims for my dog, I was shocked when the next day I had an email to say my claim had been approved and paid. You really can't get better than that. The policy offers better protection, and at a lower cost than another well known policy providers.

Karen
5 out of 5
Feefo independent customer feedback

“Great Insurance for your furry loved ones”

One of my dog has a long term illness that requires tablets everyday. ManyPets have been very supportive and helpful and have promptly paid for these tablets. I am glad we chose to use ManyPets. We took out the most extensive care plans that are available and they have proved their value time after time.

Ian
5 out of 5
Feefo independent customer feedback

“Stop here you've found what you looking for!”

I cannot thank the Many Pets team enough for their compassion when dealing with my claim. They were the calm, whilst we were in a storm, regarding our pets health. Without their professionalism & the calm reassuring way they dealt with us, I really do think we wouldn't have our dog with us today. I was also grateful, that Many Pets dealt directly with my vet. I wish I could give them more than five stars.

Maria

Meet our Doggy Doula

Every year new dog parents suffer from the puppy blues as they adept to their new life.

Alongside the joy and unconditional love they might also feel frustration and regret. These feelings are natural and usually pass but owners often have no one to turn to for emotional support.

That's why we've drafted vet Dr Scott Miller to help owners through this stage. Find out more about his Doggy Doula advice here.

Frequently asked questions

Everything else you may want to know about insuring your dog with ManyPets.

How much does dog insurance cost?

In the UK, the cost of insuring your dog can depend on

  • Your pet's breed

  • Their age

  • Where you live

  • The policy you choose

On our Value policy with £3,000 of lifetime vet fee cover, 10% of dog owners paid £14.88 a month in August 2022.

That rose to £25.51 for our Complete policy, but that means just over £10 a month extra for some of the most comprehensive pet insurance cover in the UK, including:

  • £15,000 vet fee cover a year

  • Dental cover for accidents and illness

  • Cover while travelling abroad with your dog

  • Cover if they’re lost or stolen

The best way to find out exactly how much it’ll cost to insure your dog is to get a quote – it only takes a few moments.

Does where you live impact the cost of dog insurance?

The cost of vet treatment varies around the country, which means your home address can affect how much you pay for pet insurance.

Typically, dog insurance is cheaper outside London and the South East of England.

These are the average costs of insuring your dog with ManyPets across the UK in 2021:

  • Scotland £381.37

  • Wales £431.87

  • North East £454.16

  • South West £446.55

  • West Midlands £446.82

  • East Midlands £471.93

  • North West England £481.67

  • East of England £515.03

  • Northern Ireland £524.87

  • South East £544.27

  • Greater London £573.85

The average cost of dog insurance in Greater London is 50% more expensive than in Scotland.

Is pet insurance more expensive for older dogs?

Generally, the cost to insure a one or two year old dog is much less than the cost of insuring an older dog.

Your insurer may also ask you to pay around 20%-35% of the cost of any claims for dogs aged over nine years old. This is called a co-payment.

Most of our policies are available for dogs of any age and we ask owners of dogs over nine to cover 20% of any claims.

Many people see the cost of their dog insurance increasing over time, and feel that the insurance company is acting unfairly – but higher costs for older dogs reflect the fact that visits to the vet are more likely.

Some owners opt to 'self-insure' by paying a fixed amount into a savings account each month, so that there is a reserve to draw on if their dog gets sick, instead of continuing to pay the insurance premium. The risk is that you may need vet treatment before your savings have built up or the cost of treatment will be higher than what you've saved.

Why are some dog breeds more expensive to insure than others?

Smaller dogs usually cost less to insure than bigger dogs and mixed breeds usually cost less than pedigrees.

Mixed breeds were some of the cheapest to insure. These are the average costs for cover with us in 2021:

  • Small mixed-breed – £116.46

  • Medium mixed breed – £133.82

  • Large mixed breed – £174.23

The cost of pedigree dog insurance varies significantly between breeds and the cost of insuring cross-breed dogs (such as Cockapoos or Labradoodles) will reflect the cost of insurance for the dominant breed.

In 2021, according to ManyPets’ data the most expensive dog breed to insure was Bernese Mountain Dogs at £954.04 a year. The cheapest was Jack Tzus at £268.63 (based only on breeds where we insured 50 or more of that breed).

Dogs with a propensity to develop breed-specific medical conditions also tend to be more expensive to insure.

Find out more about the average costs to insure different breeds and all their other costs.

How can I save money on dog insurance?

Some ways we can help you save money on your pet insurance are:

  • Increase your excess – you can usually bring down the price of dog insurance quotes by increasing the excess, but not all pet insurance companies let you do this. Some ManyPets policies include the option of a voluntary 20% co-payment, in addition to our choice of excess options of £69, £99, £130 and £160. Just remember that opting for a higher excess does mean you need to make a bigger contribution to the costs if you need to claim.

  • Multi-pet discounts –If you have two or more pets, multi-pet discounts can reduce your costs. ManyPets has a discount of up to 15% for pets on the same policies, the highest multi-pet discount available (our multi-pet discount is not currently available on our Value 2k policy).

  • MoneyBack option – You can choose to add MoneyBack to get 20% of your premiums back if you don’t need to make a claim.

We can also help you save money on looking after your pet with discounts on a flea and tick treatment subscription and free pet house sitting for a year.

Is dental treatment covered?

How can I save money on dog insurance?

Dental cover for accidents is included in all our policies within the vet fee limit. Our Complete policy includes cover for dental illness and accidents as part of the £15,000 vet fee limit.

Are vaccines covered?

Vaccinations are not covered by pet insurance because they are classed as routine procedures.

Is death covered?

We have two limits related to death. All our policies include £150 if your pet has to be put to sleep. It is your choice how you use it, it could be used to cover the cost of the procedure or for pet cremation or memorial costs.

We have a separate limit that can pay out the value of your pet if it passes away because of an accident or illness. There is a £6,000 limit included in our Complete policy as standard and our other policies, apart from Value, offer up to £1,500 as an add-on. Please check our policy documents as there is an age limit for some death claims.

Is pet insurance mandatory in the UK?

Pet insurance isn’t compulsory in the UK and you don’t legally have to have it. But it can give you peace of mind that you can pay expensive vet bills and get your cat or dog back to health.

Can dogs have life insurance?

There are no life insurance policies for dogs although our pet insurance policies can offer a payout if your dog passes away, similar to life insurance. Our Complete policies includes up to £6,000 cover for death as standard and our other policies offer lower limits as an add-on. Please read our policy documents because some death claims have an age limit.