The Pet Insurance

Guide 2016

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

Pet Insurance - Dog Breeds

Bulldog Pet Insurance Thumb

Pet Insurance for English Bulldogs

The English Bulldog is among the ten most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for English Bulldogs

English Bulldogs are very expensive when it comes to insurance costs and our in our list of the ten most expensive breeds to insure.   In our survey the average cost of insuring an English Bulldog was 67% higher than the overall average insurance premium. 

Generally you will pay up to twice the amount that you would pay for a Cocker Spaniel.  However it is very important note that not all insurance companies view English Bulldogs as a particularly high risk.  Some of them only rate them as average risk and therefore quote much more reasonable premiums! 

How Different Insurance Companies Rate English Bulldogs

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the English Bulldog and therefore more likely to give you a competitive quote were  

Animal Friends

Lifetime Pet Cover

E&L

Direct Line

Purely Pets

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for English Bulldogs and therefore least likely to give you a competitive quote were 

Kennel Club

LV=

Healthy Pets

Sainsburys

Helpucover

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your English Bulldog from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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Miniature Schnauzer Pet Insurance

Pet Insurance for Miniature Schnauzers

The Miniature Schnauzer is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Miniature Schnauzers

As a small breed Miniature Schnauzers are relatively cheap to insure by comparison with other dogs.   However the average cost of insuring a Miniature Schnauzer is still about 15% more than the cost of insuring the cheapest breed which is a Yorkshire Terrier.  

However whilst some insurers rate the Miniature Schnauzer as a low-risk breed and quote accordingly,  others rate it as an average risk and the quotes are therefore similar those provided for many larger breeds. 

How Different Insurance Companies Rate Miniature Schnauzers

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the Miniature Schnauzer and therefore more likely to give you a competitive quote were  

Healthy Pets

More Than

John Lewis

Argos

LV=

Highest Risk Ratings

The four pet insurance companies which had the highest risk rating for Miniature Schnauzers and therefore least likely to give you a competitive quote were 

 

Animal Friends

Lifetime Pet Cover

E&L

Tesco

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your Miniature Schnauzer from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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Border Terrier Pet Insurance

Pet Insurance for Border Terriers

The Border Terrier is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Border Terriers

Border Terriers are one of the cheapest breeds to insure.   The only breed which we found was cheaper to insure was the Yorkshire Terrier which costs about 5% less.  Small crossbreeds/mixed breed dogs are also cheaper but all other breeds were more expensive. 

But although most pet insurance companies produce some of their lowest quotes for a border terrier, this is not always the case as some have border terriers in the middle of the pack and will charge more for a Border Terrier than they do for a Labrador Retriever!

How Different Insurance Companies Rate Border Terriers

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the Border Terrier and therefore more likely to give you a competitive quote were  

Healthy Pets

More Than

John Lewis

The Kennel Club

Argos

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Border Terriers and therefore least likely to give you a competitive quote were 

Animal Friends

Lifetime Pet Cover

Direct Line

Petplan

Sainsburys

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your Border Terrier from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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golden retriever pet insuance thumbe

Pet Insurance for Golden Retrievers

The Golden Retriever is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Golden Retrievers

Golden Retrievers are in the middle of the pack when it comes to insurance costs.   On average they were very slightly more expensive than than the Labrador Retriever but cheaper to insure that a large mixed breed dog. 

Most insurers seem to rate the Golden Retriever as an average risk although there are some insurers who rate them as a below average risk. 

How Different Insurance Companies Rate Golden Retrievers

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the Golden Retriever and therefore more likely to give you a competitive quote were  

Petplan

Direct Line

LV=

Healthy Pets

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Golden Retrievers and therefore least likely to give you a competitive quote were 

Argos

Purely Pets

Helpucover

E&L

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your Golden Retriever from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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German Shepherd Pet Insurance

Pet Insurance for German Shepherd Dogs

The German Shepherd Dog is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for German Shepherd Dogs

German Shepherd Dogs are relatively expensive to insure.  They came 14th out of the 56 breeds we surveyed.   On average they cost about 25% more to insure than a Labrador Retriever

However there are a number of insurance companies which appear to see the German Shepherd Dog as an average risk rather than a high risk and consequently charge about the same for the German Shepherd as for other popular breeds like the Labrador or Springer Spaniel

How Different Insurance Companies Rate German Shepherd Dogs

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the German Shepherd Dog and therefore more likely to give you a competitive quote were  

Direct Line

E&L

Healthy Pets

Helpucover

Purely Pets

Highest Risk Ratings

The four pet insurance companies which had the highest risk rating for German Shepherd Dogs and therefore least likely to give you a competitive quote were 

Petplan

Lifetime Pet Cover

Sainsburys

Argos

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal we believe you are likely to get a more competitive quote for your German Shepherd from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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pug pet insurance thumb

Pet Insurance for Pugs

The Pug is the most popular small dog breed in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Pugs

Pugs are not only the most popular small dog in the UK – they are also the most expensive to insure!    They are even more expensive than many much larger dogs such as the Labrador Retriever and Alaskan Husky.   This is, of course, primarily because of their well-known health problems. 

How Different Insurance Companies Rate Pugs

Lowest Risk Ratings

The four pet insurance companies which had the lowest risk rating for the Pug and therefore more likely to give you a competitive quote were  

Sainsburys

Petplan

 

Purely Pets

LV=

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Pug and therefore least likely to give you a competitive quote were 

Helpucover

Argos

More Than

John Lewis

Tesco

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal we believe you are likely to get a more competitive quote for your Pug from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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French Bulldog Thumb Pet Insurance

Pet Insurance for French Bulldogs

The French Bulldog is becoming a very popular breed and in 2014 was ranked 4th on The Kennel Club’s list of most popular breeds. But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for French Bulldogs

French bulldogs are one of the most expensive dogs to insure, but although many insurance companies rate them as high risk,  there are some which produce much more competitive insurance quotes. 

On average the premiums for French Bulldogs are considerably more than those for much larger dogs such as the German Shepherd Dog or Alaskan Malamute.  They are though less expensive to insure than the English Bulldog. 

How Different Insurance Companies Rate French Bulldogs

Lowest Risk Ratings

The six pet insurance companies which had the lowest risk rating for the French Bulldog and therefore more likely to give you a competitive quote were  

Purely Pets

Helpucover

M&S

John Lewis

More Than

Animal Friends

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for French Bulldogs and therefore least likely to give you a competitive quote were 

Healthy Pets

Petplan

LV=

Sainsburys

Lifetime Pet Cover

 

 

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode). However all other things being equal we believe you are likely to get a more competitive quote for your French Bulldog from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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Cocker Spaniel Pet Insurance

Pet Insurance for Cocker Spaniels

The cocker spaniel is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Cocker Spaniels

Cocker spaniels are cheaper to insure than many other breeds.   They cost roughly the same as a Miniature Schnauzer to insure.  They are about 15% cheaper to insure than their Springer Spaniel cousins.    They are also much cheaper to insure than the Cavalier King Charles Spaniels. 

On average the premiums for cocker spaniels are about 15% more than for their cousins, the cocker spaniels. They are though less expensive to insure than the Cavalier King Charles spaniels who although they are smaller tend to have more known health problems. 

How Different Insurance Companies Rate Cocker Spaniels

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the cocker spaniel and therefore more likely to give you a competitive quote were  

Healthy Pets

The Kennel Club

More Than

Helpucover

LV=

 

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Cocker Spaniels and therefore least likely to give you a competitive quote were 

Lifetime Pet Cover

Animal Friends

Tesco

E&L

Direct Line

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your cocker spaniel from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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Springer Spaniel Pet Insurance

Pet Insurance for Springer Spaniels

The springer spaniel is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

Pet Insurance Quotes for Springer Spaniels

Springer spaniels are in the middle of the pack when it comes to insurance costs.   They came 27th out of the 56 breeds we got prices for.   On average they were slightly more expensive than the Sheltie but slightly less expensive than the Labrador Retriever.

On average the premiums for springer spaniels are about 15% more than for their cousins, the cocker spaniels. They are though less expensive to insure than the Cavalier King Charles spaniels who although they are smaller tend to have more known health problems. 

How Different Insurance Companies Rate Springer Spaniels

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for the springer spaniel and therefore more likely to give you a competitive quote were  

Healthy Pets

Petplan

Sainsburys

The Kennel Club

Purely Pets

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Springer Spaniels and therefore least likely to give you a competitive quote were 

Argos

Tesco

Animal Friends

John Lewis

M&S

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your Springer Spaniel from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

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Labrador-Pet-Insurance

Pet Insurance for Labrador Retrievers

The Labrador Retriever is one of the most popular dog breeds in the UK.  But how costly are they to insure? And which companies might give the best quotes?

In September 2015 The Pet Insurance Guide surveyed more 16 leading pet insurance companies to discover the relative cost of insuring more than 50 different breeds of dog. The survey had two aims

a) To identify which dog breeds were most and least expensive to insure

b) To identify which insurance companies might produce the best value quotes for each breed.  (We did this by comparing the quote for a particular breed with the average quote for that insurer as we believe this shows how the insurer rates the risk posed by that breed.)

 

Pet Insurance Quotes for Labrador Retrievers

Labrador Retrievers are in the middle of the pack when it comes to insurance costs.   They came 28th out of the 56 breeds we got prices for.   On average they were slightly more expensive than the Springer Spaniel but slightly less expensive than the Staffordshire Bull Terrier.

We did though find that they were cheaper to insure than any other large breed of dog to insure,  coming out at roughly the same cost as a large mixed breed dog. 

 

How Different Insurance Companies Rate Labrador Retrievers

Lowest Risk Ratings

The five pet insurance companies which had the lowest risk rating for Labrador Retrievers and therefore most likely to give you a competitive quote were 

Petplan

Sainsburys

LV=

Helpucover

Direct Line

Tesco

E&L

 

Highest Risk Ratings

The five pet insurance companies which had the highest risk rating for Labrador Retrievers and therefore least likely to give you a competitive quote were 

Argos

Lifetime Pet Cover

 

Summary

Although premiums will always be an important factor,  you must remember that there are many differences between pet insurance policies.  This means it is very important always to do your research thoroughly – and always read the small print! 

A dog’s breed is only one factor that pet insurance companies use to determine premium (the other major factors are sex, age, postcode).   However all other things being equal you are likely to get a more competitive quote for your labrador retriever from the companies listed as rating the breed as below average risk.   So it is certainly worth checking them out! 

More Information

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Comments

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