The Pet Insurance

Guide 2016

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

Pet Insurance Underwriters

pet insurance undewritersThe pet insurance market is dominated by just four underwriters.  

Underwriters are important as they write the policies, calculate the premiums and make the important decisions.  

If the underwriters change it may mean that your policy terms change.   It may also mean a change in premium structure.   Although some insurance companies only use the new underwriter for new policies meaning if you are already insured then you won’t have a change of underwriter.

It is important to note that although there can be similarities between an underwriter’s policies they are different for each insurance company.

Major Underwriters

Allianz Insurance Plc

Animal Care Options

Co-operative

Pet ID

Petplan

Sainsbury’s

Scottish Pet

Stoneways

 

Royal and Sun Alliance Insurance Plc

Argos

Homebase

John Lewis

M&S

More Than

Tesco

 

Ultimate Insurance Co Ltd

AA

Admiral

Computerquote

Kwik Fit

Legal and General

Paws and Claws

Purely Pets

UIS

Vet Savers

 

Zenith Insurance Plc

Asda

Buddies

Debenhams

Esure

PDSA

Protect Your Bubble

Pets at Home

Petwise

Sun Life

 

Other Underwriters

Atlas Insurance PCC Limited

Vetsure

 

Acromas Insurance Company Limited

Saga

 

Advent Underwriting Ltd

Petpals

Pet Protect

 

Agria International Forsakring AB

Agria

Kennel Club

Vet UK

 

Alpha Insurance A/S

Avid

Petguard

 

Aviva Insurance Limited

Aviva

NCI (Lifetime Policies)

 

Cranbrook Underwriting (for and on behalf of QIC Europe)

Healthy Pets

NCI (Time Limited Policy)

Surewise

Vets Medicover

 

Equine and Livestock Insurance Company Ltd

E&L

Pet-Insurance.co.uk

 

Liverpool Victoria Insurance Company Ltd

LV=

 

Pinnacle Insurance Plc

American Express

Helpucover

Post Office

 

Red Sands Insurance Company (Europe) Ltd

Animal Friends

 

UK Insurance Ltd

Churchill

Direct Line

Virgin Money

 

 

More Information

Some Other Lists

 

All Policy Lists

 

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  1. First of all, thank you for this great information.

    Secondly, I will like to notice that Zenith & Ultimate insurance Co. belong to the same owner. So we could say that there are only 3 mayor underwriters.

    1. Thank you Luis. You are correct. Ultimate Insurance was acquired by the Markerstudy Group of Companies (who own Zenith) in March 2015. So yes there are only three major underwriters now – although for the moment Zenith and Ultimate still have different approaches to pet insurance.

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