The Pet Insurance

Guide 2016

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

Policies with Contribution Payments

We believe this to be a complete list of providers which require all policyholders to pay a contribution payment (percentage of vet fees).

But do be aware that terms do vary for individual policyholders so it is probably best to view this as the minimum percentage required.


All Pets (regardless of age)

Debenhams (10%)

Esure (10%)

PDSA (10%)

Pets at Home (10%)

Petwise (10%)

Protect Your Bubble (15%)

1 year and older

Pet Protect (10% for pets aged 1-4 and 20% for older pets)

2 years and older

Buddies (10% for aged 2-5 and 20% for older pets)

4 years and older

Surewise (10%)

Vets Medicover (10% for 4 & 5 year olds,  20% for older pets)

5 years and older

Agria (10%)

Asda (10%)

Healthy Pets (15% for 5 year olds and 20% for older pets)

Petpals Direct (15%)

Saga (10% for 5-7 year old and 25% for older pets)

Sun Life (10%)

Vet UK (10%)

6 years old and over

AA (20%)

7 years and older

Aviva (15%)

Churchill (20%)

Virgin Money (20%)

8 years and older

Admiral (15%)

Animal Friends (20%)

Avid (15%)

Computerquote (15%)

E&L (20%)

Helpucover (25%)

Kwik Fit (15%)

Legal and General (20%)

Paws and Claws (15%) (20%)

Petguard (15%)

Petplan (for dogs) (20%)

Purely Pets (15%)

Vetsure (15%)

9 years and older

John Lewis (20% – if higher than the standard excess)

Sainsbury’s (20%)

10 years old and over

Animalcare Options (35%)

Co-operative (35%)

NCI (10%)

Pet ID (35%)

Petplan (for cats) (20%)

Scottish Pet Insurance (35%)

Vets Medicover (for cats) (15% if more than the standard excess)


More Information

Other “Excess Payments” Lists


Terminology Explained



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