The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme


Campaign for Better Pet Insurance!

The Pet Insurance Guide 2015 aims to provide pet owners with all the information we can to enable them to choose the best pet insurance policies for their pets.

So you will find ratings, detailed reviews, policy information and customer feedback for each policy.

Unfortunately though even if you do your research and get a good policy, you can still find yourself either without cover or paying astronomical amounts to keep your pets insured.

Read Max’s Story

Read Ben’s Story

I am passionate about ensuring that all UK pets get the very best cover available which is why this Guide will actively campaign for better pet insurance for all of our pets!

Legal Information and Disclaimers


The objective of The Pet Insurance Guide is to share information about pet insurance.

No information on this website should be considered to provide professional advice or recommendations regarding any pet insurance policy. All information is based on journalistic research and analysis.

None of the information is intended to be relied upon by you when making specific decisions.

This website only provides general information about pet insurance policies.

It does not provide any specific advice relating to your individual circumstances.

The Pet Insurance Guide will not be liable to users of our website for any loss or damages arising from use of this website or any information contained or provided herein.


Whilst we make every effort to ensure the accuracy of the content of this website, we make no representations or warranties as to the accuracy of the information provided.


The information provided on our website should not be assumed to provide complete details of the terms, conditions or exclusions for any particular policy. Please refer to the pet insurance company’s website (and in particular to the policy document found on their website) to determine whether a particular policy will meet your needs.

Links to Pet Insurance Company Websites

Pet Insurance Surveys UK does not recommend, endorse or guarantee any company or policy listed on this website. Our aim is to provide a comprehensive list of pet insurance policies available in the UK.

Pet insurance company contact details are provided for your convenience only. They do not represent any form of introduction or recommendation.


All information on this website is the property of The Pet Insurance Guide.

Gathering all the data on this website has required a substantial investment.

We therefore shall vigorously pursue anyone who copies any information on this site without our written permission.

Privacy Policy

What is this privacy policy for?

This privacy policy governs the privacy of this website [ ] and it’s users who choose to use it.

The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.

The Website

This website and it’s owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies with all UK national laws and requirements for user privacy.

Use of Cookies

This website uses cookies to better the users experience while visiting the website.

Cookies are small files saved to the users computers hard drive that track, save and store information about the users interactions and usage of the website. This allows the website, through it’s server to provide the users with a tailored experience within this website.

Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and it’s external serving vendors.

This website uses tracking software to monitor it’s visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website but will not store, save or collect personal information. You can read Google’s privacy policy here for further information [].

Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website.

Google’s use of the DoubleClick cookie enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.

Users may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting the ads preference manager . (Alternatively, you can direct users to opt out of a third-party vendor’s use of cookies for interest based advertising by visiting .)

Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

Contact and Communication

Users contacting this website and/or it’s owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

This website and it’s owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if your express permission was granted when submitting any form to email process. Your details are not passed on to any third parties.

External Links

Although this website only looks to include quality, safe and relevant external links users should always adopt a policy of caution before clicking any external web links mentioned throughout this website.

The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and it’s owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Adverts and Sponsored Links

This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.

Clicking on any such adverts will send you to the advertisers website through a referral program which may use cookies and will tracks the number of referrals sent from this website. This may include the use of cookies which may in turn be saved on your computers hard drive. Users should therefore note they click on sponsored external links at their own risk and this website and it’s owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and it’s owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.
Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details. This website nor it’s owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.
This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Shortened Links on Social Media

This website and it’s owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy url’s [web addresses] (this is an example:

Users are advised to take caution and good judgment before clicking any shortened url’s published on social media platforms by this website and it’s owners. Despite the best efforts to ensure only genuine url’s are published many social media platforms are prone to spam and hacking and therefore this website and it’s owners cannot be held liable for any damages or implications caused by visiting any shortened links.

Resources and Further Information

  • Data Protection Act 1998
  • Privacy and Electronic Communications Regulations 2003
  • Privacy and Electronic Communications Regulations 2003 – The Guide (Easier to understand)
  • Twitter Privacy Policy
  • Facebook Privacy Policy
  • Google Privacy Policy
  • Linkedin Privacy Policy
  • Mailchimp Privacy Policy

Free Sample Privacy Policy written by James King at Jamie King Media © 2012 – v.2.0 February 2012 | Edited & customised by: The Pet Insurance Guide 2015

Ultimate Policies – The Small Print

There are several pet insurance policies available which are underwritten by the Ultimate Insurance Company.   Our research has shown that these policies often have some extra small print terms which are not found in most other policies.

Please though do not read this as a criticism!  Exclusions are fine so no long as you know what they are and you are happy with them.

In this article we will highlight many of these additional terms.  It is though very important that you are aware that not all policies underwritten by Ultimate include all of these terms.   You mus therefore read the policy documents carefully and hopefully this article will show you the importance of doing so! 


Vet Fees Exclusions

The policies won’t pay for any treatment which is required as a result of your pet being underweight or overweight (unless caused by a diagnosed illness).

Claims for home visits, out-of-hours fees, hospitalisation and ambulance costs will only be paid where your pet was either suffering from a life-endangering condition or your vet can confirm in writing that the treatment was essential and without it your pet’s condition would have seriously worsened. 


Death / Loss Benefits

If your pet dies as a result of illness whilst they are still relatively young (normally under 8 but depends on the policy) or as a result of an accident at any age most policies will pay a “death benefit”.     They will usually make a similar payment if your pet is lost and not recovered.

Most Ultimate policies include this benefit which will be based on the amount you paid for your pet subject to the maximum benefit stated in the policy.  However some Ultimate policies then reduce this amount as your pet gets older. 

The amount you will receive is as follows.

Under 1 year 100%
Aged 1 yr 90%
Aged 2 yrs 80%
Aged 3 yrs 70%
Aged 4 yrs 55%
Aged 5 yrs 40%
Aged 6 yrs 25%
Aged 7 yrs 10%
Aged 8 and over 0%

Loss of Pet / Advertising

These policies will not pay a benefit for the loss of your pet or any advertising costs in the following circumstances

  • Where the person who was looking after your pet has voluntarily parted with it (even if they were tricked)
  • Where the theft of your pet did not involve a forcible and violent entry to a secure area (such as a pen or your home)


Third Party Liability Cover

In common with most other pet insurance policies some Ultimate policies will provide you with liability cover for accidents your dog causes.  In addition to the more standard exclusions the policy will not pay for accidents which happen as a result of

  • your dog’s interaction with other animals
  • any person handling your pet without your permission
  • you not following advice given to you by previous owners, rehoming organisations or a qualified behaviourist.


General Terms

General terms apply to all parts of your pet insurance policy.  Any claim you make as a result of failing to comply with these terms is likely to be rejected.

“A dog on a public highway must be on a collar and lead under control”

“Reasonable steps must be taken to ensure a dog does not escape or stray”

“Any area in which the dog is kept must be secure and appropriately fenced or otherwise secured and all reasonable steps taken to prevent escape.”



All pet insurance companies will require you to notify them of certain events, such as moving address etc.   Additionally some Ultimate policies require you to notify them.

Immediately for pre-authorisation if total vet fees appear likely to exceed £1,000.

Following any non-routine visit to/from a vet. 


This is not a comprehensive list of terms, or even a comprehensive list of terms which are not found in the majority of policies.   So please do read the full policy document before taking out the policy.


More Information

Policies underwritten by Ultimate




Kwik Fit

Legal and General

Paws and Claws

Purely Pets




You may also be interested in 



Share these Details



If there is anything above which you don’t think is accurate, or you have anything to add please do share below!

Sally Hayward

About The Pet Insurance Guide 2016

Welcome to The Pet Insurance Guide 2016.

Firstly please let me introduce myself.   My name is Sally Hayward and I have three spaniels and a cat!  

I have written this Guide to provide fellow pet owners with an independent unbiased source of information about UK pet insurance policies.

But it is important that you understand I am not an insurance professional and I do not sell pet insurance!  

I am simply a pet owner who has spent the last 2 years researching pet insurance.   Why?  Because I got frustrated with the amount of time it took me to find the best policies for my own pets.

Choosing a Policy

Making the right choices about pet insurance is important – your pet’s health may depend on the decisions you make!

This Guide aims to provide you with as much information as possible to help you with this choice.

Campaign for Better Pet Insurance

Yet you also need to be aware that many people who have taken great care in selecting their insurance policy have still found it ultimately let them down when they needed it.  

This is why I believe that pet insurance in the UK needs to improve – and why this Guide will actively campaign for better pet insurance for all of our pets.

Your Opinions

If you have something to say about a pet insurance policy or pet insurance in general, then please do share your thoughts and experiences by commenting on the relevant page! 

I love all feedback – good and bad – so please do let me know what you think by commenting below.


I hope you find the guide useful!