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Why Do You Need Dog Insurance?

Little paws moving around in the house isn’t just about cuddles or playing with them, it’s about embracing the full responsibility of parenthood.  What if your pet falls ill or gets injured, and you don’t have money at the moment to treat it fully?

It is the point where the expertise of pet insurance steps in, to assist you in protecting your furry babies.

Pet Insurance is a crucial element that serves as a financial protection to manage the healthcare costs and well-being of your pets.  To aid you navigate the world of pet insurance policies, here’s an ultimate guide to dog insurance costs across the UK.

Cost of Dog Insurance in the UK

As per the Association of British Insurers, the average insurance cost in the UK for dogs is £327/ year. It means if you opt for dog insurance service, then you may have to pay around £27.25 /month. Insurance expenses for dogs are generally more than for cats. The actual cost one might have to pay depends on the breed of your dog.

There are various other cheaper dog insurance policies in the UK market, that can be availed at low cost. However, the drawback of such policies is that they don’t cover major expenses like surgery or any other costly pet treatment.

Why Dogs Insurance Prices Differ?

multiple dogsThe cost of dog insurance may vary depending on the insurance policy you opt for, the type of coverage you select, the age of the pets (i.e., older dog insurance or a younger one), and the area where you live. Different lenders provide different quotes for the same dog breed. This is because of the amount of insurance coverage they offer.

For example, an insurance company that offers to cover £1,000 may cost you less than the one which covers £5,000 medical expenses.  This makes it difficult to calculate the insurance cost unless you get a quote by providing all the details of your pets.

Furthermore, insurance companies allow customers to select the amount of vet fee required per year for their dog. Once you select the fee of your choice, the expected cost for such a cover will appear. Besides this, you also need to provide details related to the type of dog, age, gender, illness history, and status of the dog as a working/non-working to get an estimate of insurance cost. Keep in mind that the prices may also differ depending on which insurance company you opt for your pet’s insurance.

Types of Pet Insurance

There are many types of pet insurance policies. Some of the basic pet insurance policies are discussed below:

  • Accident Only Insurance

This type of insurance covers the cost of injury caused by accidents. Accident-only insurance cost is less than other insurance plans as it only covers accidents. It is the cheapest type of pet insurance.  It won’t cover any other illnesses of your pet’s vet treatment. However. pet insurance that covers both accidents and illnesses will surely cost you more.

  • Pre-Existing Conditions Insurance

A pre-existing condition is also termed a maximum benefit insurance policy. This Insurance plan doesn’t have any time limit but contains a financial limit for each condition. This type of policy is more suitable for long-term illness of your pets. This type of insurance will not be able to cover expenses that may arise because of any accidents.

  • Time Limit Insurance

Time-limit insurance involves a certain period for which insurance is offered. All the costs arising in such time are covered in this policy. This insurance provides cover for both illness and injuries. The time limit for this policy is usually 12 months.

  • Lifetime Dog Insurance

As the name suggests, this policy is the most comprehensive because it covers all expenses throughout the life of your beloved pet. It is the most expensive policy of all. You need to pay the annual fee every year that refreshes each year when you renew your policy. It covers all conditions including injuries, accidents, and short/long-term illnesses.

Factors that Affect Dog Insurance

Insurance costs for dogs vary depending on a range of factors. These factors may involve the type of policy, age of your dogs, pet breeds, gender, history of pet’s health, your location, etc.

Pet age

To determine the insurance cost, age can play a significant role. When a pet gets older, the insurance policy’s premium gets higher. This is because just like humans, animals are also more prone to diseases as they get older. The higher the risk of disease in your pets, the higher the premium of your pet’s insurance.

Pet Breed

The breed of your dog also plays an important role in analyzing the insurance cost.  Some dog breeds ( like Rottweilers, Pugs, and Bulldogs) are characterized by several known health concerns, so in such a case, it is more likely that insurance will be higher. Breeds affect the size of your pet too, which impacts the fee of your dog’s vet.

It has been observed that larger dog breeds insurance expense costs more than the smaller breeds. This is because larger dog breeds tend to consume more medicine for anaesthetic purposes and pain relief, hence higher vet treatment costs.


Location can be considered a determinant factor for insurance costs as vet charges in towns and cities are comparatively higher than in rural areas. Besides this, some areas have higher risks like dog theft, then the premium for such areas is expected to be higher.

To get French Bulldog insurance in London, expect to pay around £40 per month.  However, if your location is away from a city, then it might require you to pay less as excessive costs arise when a business is operated in a city.

Cover Type

Dog Insurance prices also depend on the coverage you opt for. If the level of coverage is higher, it is surely going to cost you more. Similarly, accident-only insurance cover will only protect your pets in case of an accident. It won’t cover other medical expenses for your pets. In comparison, accident & illness insurance is like to be an expensive one because it covers regular as well as accidental medical costs.

Medical History

When you fill out the form for your puppy insurance, it asks you about the medical history of your pet. So, if a dog history shows prolonged illness, it is certain that more insurance claims are likely to occur. In such a case, insurers charge more premiums to insure your dog.

How to Choose Dog Insurance Services?

To choose the best dog insurance policy, you need to have in-depth knowledge of insurance service providers and their average prices. Selecting affordable pet insurance is not as simple as choosing home insurance.

Just like humans, pet insurance involves lots of risk factors that are considered to decide premiums.  These factors include your pet’s current state of wellness, medical history, age, and lifestyle. The impact of all these factors is combined to find the best-reflecting price for your pet’s insurance.

Different lenders offer different insurance for breeds of your pet. When you ask for a quote, you have to select which pet breed insurance you are looking for. Like either it’s Bulldog Insurance, Gun dog insurance, or multi-dog Insurance.

Do Insurance Plans Cover Dog Grooming & Dental Costs?

Dogs may suffer from tooth decay or other dental ailments over their lifetime. Dental diseases may occur due to accidents. Such dental costs related directly to accidents are covered by an accident-only insurance policy. Other dental cost coverage can be attained in a policy as an extra if you have negotiated and opted for dental care in your insurance plan.

Usually, pet grooming insurance does not form part of any other insurance. If you want to opt for grooming insurance, you have to avail of this service separately rather than as a part of other insurance policies.

Which Costs are not covered in Puppy Insurance?

Your pet insurance policies usually cover most of the medical costs. However, here’s a list of expenses that you have to bear on your own even if you have opted for a pet insurance policy. Some of those costs are:

  • Pet Grooming
  • Vaccination expenses
  • Treatment of Pests
  • Castration
  • Claw Clipping
  • Spaying Charges

Another important cost that is mostly not covered by insurance providers is the pregnancy and birth-related charges. You have to cover these costs on your own unless you have decided on specific terms with the insurance company.

Can a Dog Breed Impact the Insurance Cost?

dog breed size comparison chartA dog breed is one of the major factors that determines the price of an insurance plan. Some dog breeds are more prone to ailments because of their genetics.

One such example is a pedigree dog, where both parents are from the same breed, the risk of genetic health conditions is higher than non-pedigree dogs.

Similarly, if you have a crossbreed dog (e.g., labradoodle), then the chance of genetic disease is less, so you’ll probably pay less to get insurance for this crossbreed.

Moreover, larger dog breeds tend to be more expensive than smaller breeds. Further, those breeds that are assumed to develop more health disorders are expensive.  Keeping some breeds is way more expensive, and such dogs do attract high insurance expenses.

What are some Common Dog Health Issues?

Dogs may suffer from several ailments during their lifetime. Some of the most common health problems faced by dogs are:

Ear Infection – Ear infection in dogs is caused by bacteria, ear mites, yeast, allergies, and the growth of hair in the ear canal. Around 20% of dogs suffer from ear infections.

Skin Problems – Dogs commonly suffer from skin problems such as rashes, itching, redness, bumps, skin sores, dryness, etc.

Vomiting – Persistent vomiting with diarrhoea could be a sign of severe health issues like poisoning. You need to rush to the vet in such a condition.

Worms – Worms like tapeworms, hookworms, and roundworms can cause health problems in dogs. It may make them uncomfortable and could be fatal as well if not treated.

While selecting an insurance plan, you must consider whether it provides insurance for common health problems in dogs.

Finding the Right Pet Insurance For You

To find the right pet insurance plan, you can use QuoteRadar.co.uk to compare quotes offered by different insurers. It can help you compare pet insurance plans to find the right cover at a reasonable price.

This price comparison service allows users to make the right decision based on the more appealing features. This is an instant service that offers customers comparative results of quotes within minutes.

However, choosing the right insurance policy for your pets is not just a financial decision. Every pet parent wants to see their baby healthy and enjoying life to the fullest. Therefore, the insurance policy they chose is the one that best protects their favourite furry babies.

How To Get a Quote for Pet Insurance?

Getting a quote for your pet is so simple. All you need to do is:

  • Add your pet details like type of pet, age, name, and breed.
  • Details of the pet’s medical history
  • Details of cover e.g., type of cover, type of insurance plan.
  • Add your details including your address, postcode, etc.

After filling out the form, you will be provided with a list of suitable quotes as per your desires.

What to look for while choosing a dog insurance package?

It is worth mentioning here to always look for what your pet insurance policy covers. Some of the key points you must search for in an insurance plan are:

  • Emergency Expenses – Is there any coverage for emergency boarding fees?
  • Dog Missing/Stolen – What compensation is available if your puppy goes missing or is stolen?
  • Advertising Costs to find missing pets – Is advertising cost for a missing dog included in the insurance plan?
  • Vet Fee Coverage – While selecting a dog insurance plan, you must look at what level of vet fee cover is available. You can also see if they provide coverage for the following costs:
  • X-ray & Scans
  • Surgery Costs
  • Hospital Bills
  • Therapy Expenses
  • Examination & Consultation fee
  • Medicines & Bandages
  1. Third-Party Liabilities – Does the insurance plan cover third-party liability? It appears in the case if any injury is caused by your pet to someone or any property.

Frequently asked questions

Are pre-existing conditions covered in insurance policies?

No, pre-existing conditions in pets are usually not covered by insurance policies. Most of the insurance plans work on the phenomenon of treating only future health issues. If you need insurance that will cover all the existing and future health hazards, then you should go for a specialist dog insurance plan.

Is working dog insurance available?

In most cases, working dog insurance policies are not available. This is because working dogs or guide dogs are at higher risk of getting injured. You have to design a specialist insurance policy for such dogs.

Can we insure more than one dog in one policy?

Yes, several insurance providers offer multi-dog insurance to protect your furry friends. For this, you need to provide data on all your dogs while requesting a quote from insurance providers. Usually, pet insurers provide discounts for multi-dog insurance packages.

Is Microchipping a legal requirement for dogs?

Yes – Dogs must be registered and microchipped as per the regulations in the UK. You must microchip your puppies before eight weeks. Besides this, puppy insurance can be availed at 6 weeks or at any age you want. However, earlier microchipping and insurance will protect your dogs better.

Why older dog insurance is expensive?

To insure an older dog, you have to pay more than for an infant puppy. This is because just like humans, dogs are more likely to suffer from diseases as they get older. However, always take time to compare insurance packages before selecting any plan to avoid any financial loss.

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