Compare Pet Insurance
You could pay
from
£3.09 per month*
- Compare and buy online in minutes
- Give your pets the protection they deserve
- Search over 25+ different pet insurance providers
Why Compare Pet Insurance via WeTrust
You Could Save Time
You Could Save Money
We're 100% Unbiased
Safe & Secure to Use
Some of The Providers
Are you looking for pet insurance quotes that could save you money?
WeTrust wants to help provide access to find the right pet cover policy for you via our pet insurance comparison partners. We understand it’s not just price that’s important but matching you with a policy and provider to suit your needs.
That’s why we’ve partnered with Seopa Ltd to let you compare pet insurance providers, giving you the information, you need to make an informed decision.
It doesn’t matter whether your pet is a pedigree or cross-breed – You can compare quotes from a large number of providers to help you find the perfect policy suited to your requirements.
Whether you’re just considering a new pet insurance policy or are looking for a better renewal price, WeTrust via our pet insurance comparison partner offers an unbiased, transparent experience.
How Pet Insurance Comparison Works
Looking for the perfect pet insurance can be confusing. Which policy should you buy? What cover do you need? Which insurer will give you the best service? The selected comparison service is here to simplify the process for you.”
“WeTrust doesn’t have a hidden agenda. We want to provide you with access via our partners to as many insurers as possible so you can choose the right pet insurance policy. When you compare quotes through the selected comparison tool, you see the price, excess and policy benefits offered by each insurer.
Some Leading Insurers
The selected comparison service has access to a wide variety of pet insurance providers. From global insurance giants to smaller brokers, all the insurance partners want to help find you a great deal. And by ‘great deal’ we mean the right cover at a reasonable price.
100% Free
WeTrust’s partner doesn’t charge you to use the pet insurance comparison service. It is 100% free to you. The way we make our money is simple. Whenever you buy a policy, we receive commission.
100% Unbiased
The insurance policies at the end of a quote journey are ranked solely on price, lowest to highest. You’ll also be able to quickly compare details such as excess levels and if the policy contained the extras you require. The selected comparison service provides impartial information; you decide which policy you want.
As Easy as 1, 2, 3
Shopping around and comparing pet insurance quotes is one of the ways to get cheap pet insurance policy. Pet owners no longer have to spend hours on the phone to get the best deal.
Now you can find a policy in less than five minutes using our partner’s pet insurance comparison systems.
Fill in Your Details
Click on the “Get Quotes Now” button and fill in your details. Selected pet Insurance comparison system will help you find the right policy for you based on your needs.
Compare Quotes
The selected comparison service will come back with quotes for your pet. You can compare price, benefits and excess levels and see more details about each policy.
Purchase your pet insurance
Choose the quote you want and click the ‘Next’ button to go to the pet insurance provider’s website. Check that all your details are correct and buy your policy in minutes.
Why should I take out a pet insurance?
To navigate the rising costs of veterinary care, Trusty the Bear has sniffed out the truth about why pet insurance is a vital shield for your furry family members. At WeTrust, our community-led mission is built on total transparency and a 100% unbiased approach, helping you find cheap pet insurance quotes via our partner, Seopa without any sneaky fees or hidden agendas. In 2026, with average UK vet bills for surgeries like cruciate ligament repair often exceeding £2,800, having a robust policy ensures your hard-earned cash is protected while your pet receives the best care. By using selected 100% free service to compare pet insurance, you can secure essential benefits such as:
Emergency Medical Cover: Protection against sudden illnesses or accidents that can cost thousands.
Chronic Condition Support: Long-term help for recurring issues like diabetes or skin allergies.
Third-Party Liability: Vital for dog owners if their pet accidentally causes injury or property damage.
Giving Back: When you compare, save, and trust via WeTrust, we re invest majority of our profits back in the business to make it better to save you money.
Pet Insurance Policy Types in the UK
To help you sniff out the best protection for your furry friends, Trusty the Bear has mapped out the four main paths through the UK pet insurance minefield. At WeTrust, our community-led mission is built on 100% transparency and providing an unbiased, free comparison service via our partner, Seopa with no hidden agendas, ensuring you find the right cheap pet insurance quotes to keep your hard-earned cash in your pocket while your pet stays in tip-top shape.
Lifetime Cover
The most comprehensive and popular choice in the UK, designed to provide ongoing support for your pet throughout their entire life.
Annual Reset: Your vet fee limit (often up to £15,000) resets every year when you renew, providing a fresh “pot” of money for new or recurring issues.
Chronic Condition Support: Ideal for long-term illnesses like diabetes, arthritis, or skin allergies that require medication year after year.
Continuous Protection: As long as the policy remains active, you have assurance that your pet is covered for the same condition for life.
Ultimate Peace of Mind: Though it can be the premium option, it prevents you from being left out of pocket by high-cost, lifelong treatments.
Maximum Benefit
A middle-ground policy that provides a fixed “pot” of money for each individual injury or illness without a specific time limit.
No Time Restraints: You can keep claiming for a specific condition over several years until the financial cap (e.g., £5,000) is reached.
Condition Limits: Once the “pot” for a specific condition—like a broken leg—is empty, that condition is no longer covered for the rest of your pet’s life.
Budget-Friendly Balance: Often offers a lower premium than lifetime cover while providing more security than time-limited options.
Transparent Claims: Most insurers make it easy to track your remaining balance for each condition so there are no nasty surprises at the vet.
Time-Limited & Accident Only
The most affordable entry-level options for owners seeking a basic safety net for sudden, unexpected events.
12-Month Limit: Time-limited policies cover new illnesses and injuries for exactly one year from the start of treatment before cover for that condition ends.
Accident Only: The cheapest way to compare pet insurance, providing a financial shield specifically for injuries like road accidents or bone fractures.
Low-Cost Protection: Perfect for healthy pets or younger animals where you want to protect your hard-earned cash against major trauma.
Standard Liability: Most policies still include essential third-party liability for dogs, protecting you if your pet causes damage or injury to others.
Trusty’s Pet Insurance Jargon Buster
To help you navigate the complex world of vet fees and “sneaky” fine print, Trusty the Bear has decoded the most important terms so you can compare pet insurance via our partners with total confidence and keep your hard-earned cash protected. At WeTrust, our community-led mission is built on 100% transparency and providing access to an unbiased, free comparison service with no hidden agendas, ensuring you understand exactly how your contributions work:
Fixed Excess: This is the initial, set amount (e.g., £75 or £100) that you agree to pay towards a vet bill for each new condition before your insurer covers the rest of the cost.
Co-payment (Co-insurance): Often applied as your pet gets older, this is a percentage (typically 10% or 20%) that you pay towards the remaining bill after the fixed excess has been deducted.
Chronic Condition: A long-term health issue, such as diabetes or arthritis, that requires ongoing treatment; Lifetime Cover is usually the best way to ensure these are covered year after year.
Pre-existing Condition: Any injury or illness your pet had before your policy started; most standard cheap pet insurance quotes will exclude these to keep premiums affordable.
Maximum Benefit: A policy type that gives you a fixed “pot” of money for each illness; once that limit is reached, that specific condition is no longer covered.
Waiting Period: The initial window (often 14 days) at the start of a new policy during which you cannot make a claim for illness.
Frequently Asked Questions
What details do I need to provide to get a pet insurance quote?
You will need to provide information about you and your pet(s) so you can get the most accurate quote. You must provide the right information to avoid having your policy cancelled, or a claim rejected.
What type of pet insurance do I need?
There are four types of cover to choose from:
Accident-only – An accident-only policy, as the name suggests, usually only covers medical expenses that you incur when your pet is injured in an accident. For that reason, it’s usually the cheapest type of pet insurance, but it does mean you’ll have to cover the cost yourself if your pet needs medical attention for an illness. Some of these accident-only policies also limit the total amount they’ll payout for a single accident, while others might only payout for a limited period of time after a pet is injured.
Per-condition – Per-condition policies tend to limit the total amount they’ll pay out for any single condition. Depending on the policy you choose the limit might be a certain amount of money, or it might cover the condition for a certain amount of time following its diagnosis. Once that time limit or monetary limit has been reached the policy usually no longer covers any expenses relating to that particular condition. This could be a good option if you’re looking for cheaper UK pet insurance, but it’s worth bearing in mind that the cheapest of these policies could have fairly low per-condition limits so you should double-check this before signing on the dotted line.
Annual pet insurance – This type of insurance policy gives you the flexibility to switch insurance provider if you wish, however, you should bear in mind that each new insurance policy you decide to take out could cost more than the previous one due to your pet’s advancing age. It’s also important to understand that each time you take out a new annual insurance policy previously diagnosed conditions usually won’t be covered, since the new policy will class them as ‘pre-existing medical conditions’.
Lifetime pet cover – Lifetime cover is usually the most expensive type of pet insurance but it is the most comprehensive level of cover available. Provided your pet doesn’t have any pre-existing medical conditions when you first sign up for this type of policy, you will usually be covered for most types of illnesses, up to a maximum annual payout amount. These policies are sometimes known as annual benefit policies because they have a pre-condition limit that is renewed annually along with the policy.
What will happen if I don’t give you the right information?
You must give the correct details about you and your pet when you get a pet insurance quote. If you don’t, your cover could be invalidated, or a claim rejected.
What is an excess in pet insurance policy?
An excess is the amount of money you have to pay towards the cost of a claim. Policies usually have two kinds of excess – compulsory and voluntary. The insurance provider sets a compulsory excess. You can’t change it or remove it from the policy. Voluntary excess is set by you, the policyholder. Usually, choosing a higher excess will reduce the cost of your policy.
DISCLAIMERS: We have partnered with Seopa Ltd, one of the UK’s most established insurance comparison providers. Since 2005, Seopa has helped over 5 million customers find the right cover. When you go via WeTrust.co.uk to compare car, home, van, motorbike, pet, or travel insurance, the comparison system searches up to 130+ UK providers in seconds. Instead of visiting insurers one by one, you can compare prices, excess levels, and cover side-by-side. *Price per month for cover based on a dog, Mika, seven months old, no known medical conditions, up-to-date vaccinations, and microchipped. Based on quote data provided by Seopa Ltd during May 2026. The quote price you could achieve is dependent on your individual circumstances.