The Pet Insurance

Guide 2016

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

Pet Insurance Policies with a High Fixed Excess

excess paymentAll pet insurance policies available in the UK have a fixed excess amount for vet fees which is deducted from your claim.   This can be as low as £55 or as high as £169 with the average being about £75-£80.

Here is a list of providers who offer policies with a fixed excess is £90 or more





American Express

Helpucover (for dogs)

NCI (for dogs)

Surewise (for dogs)

Vets Medicover


Petpals Direct (for dogs)


Animal Friends

Healthy Pets

Protect Your Bubble (time limited policy only)

Purely Pets





LV= (time limited policy only) £90 – £110

Pet Protect (dogs over 5 years)

Petguard (dogs under 8 years)

Petplan (for dogs)



Petguard (dogs over 8 years)


M&S (dogs over 9 yrs old)

More Than (dogs over 9 yrs old)



E&L have a standard excess which is between £65-£169 (depending on breed, plan chosen and postcode.)   This is doubled for claims over £1,000.


And Finally

Remember that the excess is part of the cost of a pet insurance policy. You will also want to consider the premium (now and in the future) and the contribution payment if any.  


More Information

Other “Excess Payments” Lists


Terminology Explained



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