Choosing the right pet insurance for your furry friend—whether they’re a playful pup or a curious kitty—can be a daunting task. But it doesn’t have to be. The right insurance will ensure that your pet gets the best possible care without you having to worry about unexpected vet bills. Let’s break down the best dog and cat insurance providers for 2025, so you can make the best choice for your beloved pet.
Why Pet Insurance is Essential for Cats and Dogs
No one likes to think about their pet getting sick or injured, but it can happen at any time. Whether your dog chases after a squirrel and gets hurt or your cat develops a health condition, having pet insurance can save you from a financial headache. With the right plan, you can ensure your pet gets the treatment they need while protecting your wallet.
What Does Pet Insurance Cover?
Pet insurance typically covers the following:
- Vet Fees: Costs for treatments, surgeries, and consultations.
- Emergency Care: Coverage for unexpected accidents or sudden illness.
- Surgery and Hospitalization: If your pet needs surgery, insurance can cover part or all of the costs.
- Third-Party Liability: If your dog injures another animal or person, this covers any legal fees and damages.
- Missing Pet Costs: Many policies help with the cost of advertising and offering rewards for missing pets.
It’s important to choose a policy that covers your pet’s specific needs—whether you have a dog with a high energy level or a cat that loves to hide in tight spots!
Best Pet Insurance Providers for 2025: Dogs and Cats
Here are the top pet insurance providers in 2025.
Top Dog Insurance Providers
| Provider | Policy Score | Coverage Limit | Customer Score | Claims Score | Policy Type |
| Petgevity | 85% | £15,000 | – | – | Lifetime – Annual |
| Agria | 82% | £20,000 | 70% | – | Lifetime – Annual |
| The Kennel Club | 83% | £25,000 | – | – | Lifetime – Annual |
| Petgevity | 79% | £14,000 | 81% | – | Lifetime – Annual |
| Waggel | 74% | £15,000 | – | – | Lifetime – Annual |
| John Lewis | 75% | £12,000 | 63% | 72% | Lifetime – Annual |
| Argos | 75% | £7,000 | – | – | Lifetime – Annual |
| PDSA | 74% | £8,000 | – | – | Lifetime – Annual |
Top Cat Insurance Providers
| Provider | Policy Score | Coverage Limit | Customer Score | Claims Score | Policy Type |
| Petgevity | 85% | £15,000 | – | – | Lifetime – Annual |
| Agria Lifetime Premium | 83% | £20,000 | 70% | – | Lifetime – Annual |
| Petplan | 79% | £12,000 | 67% | 80% | Lifetime – Annual |
| Petgevity | 82% | £15,000 | – | – | Lifetime – Annual |
| The Co-op | 76% | £16,000 | – | – | Lifetime – Annual |
| Sainsbury’s Bank | 75% | £10,000 | 58% | – | Lifetime – Annual |
Petgevity: Best for High Coverage Across Both Dogs and Cats
Policy Score: 85% (Dogs) / 82% (Cats)
Coverage: Up to £15,000 for dogs, £14,000 for cats
Customer Score: –
Claims Score: –
With Petgevity, both cats and dogs are well-covered, with some of the highest annual limits in the industry. They offer a Lifetime policy, ensuring that your pet is covered for the duration of their life. This makes them a strong contender for both dogs and cats that may need long-term or extensive treatment.
Agria Lifetime Premium: Best for High Limits and Excellent Customer Satisfaction
Policy Score: 83% (Dogs and Cats)
Coverage: £20,000 (Dogs and Cats)
Customer Score: 70%
Claims Score: –
Agria’s Lifetime Premium policies stand out due to their high vet fee limits and solid reputation. They are known for offering comprehensive coverage and treating pets with the care they deserve. If you want to cover your dog or cat for a wide range of treatments, Agria is a top choice.
The Kennel Club: Best for Premium Dog Insurance
Policy Score: 83% (Dogs)
Coverage: £25,000 annual limit
Customer Score: –
Claims Score: –
For dog owners, The Kennel Club provides the highest coverage limit of £25,000 per year. With this, you’re guaranteed to have ample coverage for surgeries and emergency care. Their Lifetime policies are designed to ensure that your dog is always protected, and they also offer a unique 24-hour vet video call service.
Petplan: Best for Consistency and Claims Satisfaction
Policy Score: 79%
Coverage: £12,000 annual limit
Customer Score: 67%
Claims Score: 80%
Petplan is consistently rated highly for customer satisfaction, especially when it comes to handling claims. With their solid coverage and reliable service, they continue to be a top choice for both dog and cat insurance.
ManyPets Complete: Best for Affordable Comprehensive Coverage
Policy Score: 81%
Coverage: £10,000 annual limit
Customer Score: 59%
Claims Score: 65%
ManyPets Complete offers a more affordable option while still covering most health needs for both cats and dogs. Their Lifetime policy is perfect for budget-conscious pet owners who still want comprehensive coverage. The downside is that their customer service and claims satisfaction scores are lower than others on this list.
What Type of Pet Insurance Should You Choose?
Lifetime Policies
These are the best policies for pets that need long-term care. Lifetime policies continue to cover conditions that your pet develops during their lifetime.
Annual Policies
These policies reset each year. They typically have lower premiums but might not be as comprehensive as Lifetime policies.
Per Condition Policies
These cover specific conditions, but once a claim limit for a condition is reached, that’s it. These are more suitable for pets with minor health issues.
Accident-Only Policies
If you’re on a budget, an accident-only policy could be a good choice. It covers injuries but not illnesses.
Factors to Consider When Choosing Dog or Cat Insurance
- Coverage Limits: Ensure the provider offers adequate coverage for your pet’s needs, especially in case of emergencies or long-term illnesses.
- Policy Type: If your pet has a long-term health issue, choose a Lifetime policy.
- Claims Process: Quick and easy claims processing is crucial. Research providers with high claims satisfaction scores.
- Premiums: Find a balance between affordable premiums and the coverage you need.
- Exclusions: Read the fine print to see if your pet’s breed or specific health conditions are excluded.
FAQs
Q: How do I know which is the best pet insurance for my dog or cat?
It depends on your pet’s needs. If you’re looking for comprehensive coverage, Petgevity and Agria offer high limits, while Petplan provides excellent claims handling.
Q: Can I get insurance for my pet if they’re already sick?
Some insurers may offer coverage, but it could be limited for pre-existing conditions. It’s best to look for providers that cover pre-existing conditions after a waiting period.
Q: Does pet insurance cover vaccinations?
No, most pet insurance policies don’t cover vaccinations as they’re considered routine care.
Conclusion
Choosing the right pet insurance for your dog or cat is an important decision. It’s not just about the price—it’s about getting the best care for your furry friend. With providers like Petplan, Petgevity, and Agria, you can rest assured that your pet will have the coverage they need for the long haul. And for safe, stress-free trips to the vet or daily adventures, services like Pet Taxi Express ensure your pet travels comfortably. Compare your options, understand the terms, and make an informed decision for your pet’s health in 2025.
