Best Pet Insurance 2017: Reviews of the Most Popular Insurers For Dogs and Cats

By 17th January 2017Dog Health, Reviews

After writing our pet insurance guide we’ve had a number of emails asking which companies offer the best pet insurance.

We’ normally recommend PetPlan or John Lewis, purely because these are the companies that our clients use and recommend the most.

But the fact is, trying to find the best pet insurance for your fur baby can be really confusing. I mean let’s face it, the insurance industry doesn’t exactly have the best reputation!

So who should you choose?

Well, after speaking to our customers, consulting with industry experts and consumer reports, we have written these pet insurance reviews.

Bear in mind though these are the best insurance companies for dogs and cats only. We stuck with dogs and cats because as a pet care company, these are the pets we have the most experience with.

So, who’s the best?

Best Pet Insurance 2017: Our Top 3 Picks

Popular Choice

$ 99

Per Month

petplan reviews
4.5 stars

  • Recommended by 9 / 10 vets
  • 90% of Customers Renew Each Year
  • Offer ‘Time Limited’ and ‘Covered For Life’ policies
  • 10% discount when you order online

Get a Quote

Or Read Our Review

Our Top PickMost Popular

$ 99

Per Month

best pet insurance

4.5 stars

  • One of the best levels of cover on the market
  • Good customer service
  • Only offer ‘Covered for Life’ policies
  • 10% discount when you order online

Get a Quote

Or Read Our Review

Not Bad

$ 99

Per Month

who is the best pet insurance
4 stars

  • Easy to make a claim
  • Can pay vets directly
  • Offer an extensive range of policy types
  • 10% discount for additional pets

Get a Quote

How We Came Up With Our List

We didn’t want this just to be about price. After all, there are a ton of places you can go to find the cheapest pet insurance. Websites like GoCompare.com will do that for you.

Instead, we have looked at the quality of each policy.

We have taken many things into consideration when creating this list including;

  • Price
  • Customer service
  • Transparency of charges, penalties and price hikes
  • Clarity of policies
  • Customer experience when making a claim

We’ve also consulted with industry experts and reviewed research from consumer report companies like Which? and Defaqto. Plus, we’ve talked with regular pet owners to get their experiences.

What to Consider When Looking For the Best Pet Insurance

Last year we wrote the ‘Ultimate Pet Insurance Guide: Everything You Need to Know Before Spending a Penny’. So if you want to know all the ins and outs please go and have a read – it’s a big guide so you might want to sit down with a cup of coffee!

But main things to consider are:

The Different Policy Types

Many people opt for the cheapest policy when insuring their pets only to find that the policy doesn’t include the treatment their pet needs when it’s time to make a claim. So it’s really important to understand the different types of policy, what they cover and what they don’t.

To learn more about the different types of pet insurance policies CLICK HERE and we’ll explain everything.

Level of Cover

Different insurers offer different levels of cover in different policies.

Some might include dental cover, accidental damage cover, some companies might pay out for alternative treatments like hydrotherapy, holiday cancellation and all kinds of other treatments that you might not expect.

The pet insurance companies we’ve reviewed offer some of the most comprehensive cover on the market.

Can You Get Free Veterinary Treatment?

Before even thinking about who to chose as an insurance provider for your pet, you may even qualify for free treatment with the PDSA.

To qualify for free vet treatment, pet owners must receive one or more of the following benefits:

  • Housing benefit
  • Council tax support/reduction
  • Universal credit with a housing element

If you don’t claim any of these benefits you’ll unfortunately not be eligible.

To see if you are eligible, visit the PDSA’s website.

Why the “Best Pet Insurance” isn’t the Same as “Cheap Pet Insurance”

If you’ve never bought pet insurance before you might just opt for the cheapest price you can find. These include “Accident Only” and “Time Limited” policies.

This approach does offer short-term savings on the initial cost of your policy. But it can lead to nasty surprises when it’s time to make a claim.

In our Pet Insurance Guide, we told the story of Bailey, who needed spinal surgery. The cost of this surgery was £6,000 but Bailey’s owner, Mandy, was only covered up to £3,000.She had to fund the remaining £3,000 by getting into credit card debt.

Not only that, but no insurance company will cover that condition again. The likelihood of poor Bailey having a recurrence of that injury is quite high. So Mandy will have to find the money herself to pay for the vet fees.

Rory Cusack is a vet and owner of Westside Veterinary Clinic in South West London. He believes that pet owners should have the right insurance from the very start;

“Good quality pet insurance means lifelong cover.

Any of these cheaper policies that run year to year are hardly worth having, because you’ll get an incident, there’ll be an exclusion put on that for life and nobody else will touch it.”

Rory Cusack – Owner of Westside Veterinary Clinic

A lifetime cover policy will cost more but you’ll have the peace of mind of knowing your pet is covered year after year. This includes ongoing illnesses and recurring injuries.

If Mandy had chosen the right level of cover for Bailey, she wouldn’t have to worry about covering the vets’ bills if his injury reoccurs.

The Dangers of Using Price Comparison Websites

Services like Confused.com, Money Supermarket, QuoteZone and Go Compare have revolutionised the pet insurance industry.

They have made the process of buying pet insurance much easier. They encourage competition between providers, they make customers own pet insurance reviews more transparent and brought the prices down for pet owners.

There is a downside though…

Insurance companies have started to offer very cheap policies. The sole intention being to appear at the top of the results.

The problem is these cheap insurance deals actually offer very little in the way of cover.

Consumers are getting caught out when it comes to making a claim with the insurance company saying;

“Sorry, that’s not covered under this policy”

We’re not saying don’t use comparison sites. In fact, we actively encourage it but make sure you know what you want from your policy before going through the process. Also MAKE SURE YOU READ THE FINE PRINT so you know exactly what these policies cover (and don’t cover).

Best Pet Insurance 2017: Our Top 3 Picks

Popular Choice

$ 99

Per Month

petplan reviews
4.5 stars

  • Recommended by 9 / 10 vets
  • 90% of Customers Renew Each Year
  • Offer ‘Time Limited’ and ‘Covered For Life’ policies
  • 10% discount when you order online

Get a Quote

Or Read Our Review

Our Top PickMost Popular

$ 99

Per Month

best pet insurance

4.5 stars

  • One of the best levels of cover on the market
  • Good customer service
  • Only offer ‘Covered for Life’ policies
  • 10% discount when you order online

Get a Quote

Or Read Our Review

Not Bad

$ 99

Per Month

who is the best pet insurance
4 stars

  • Easy to make a claim
  • Can pay vets directly
  • Offer an extensive range of policy types
  • 10% discount for additional pets

Get a Quote

Summary
Article Name
Best Pet Insurance 2017: Reviews of John Lewis, Petplan & More
Description
Trying to find the best pet insurance can be a confusing process so we've written these pet insurance reviews including John Lewis, PetPlan and More...
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Pet Checkers
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