The Pet Insurance

Guide 2016

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

Healthy Pets - Our Verdict

Healthy Pets Insurance Review RatingWe have given Healthy Pets a rating of 2.8/5.  Here we explain how we arrived at this rating and why Healthy Pets didn’t score 5/5!

Many organisations unfortunately do not reveal how they reach their rating.  We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement. 


Policies 3/4
Benefits and Small Print 2.5/3
Renewal Premiums 1.5/3
Customer Satisfaction 1.5/3
Excess and Contribution 0/2
Total out of 15 8.5
Star Rating out of 5 2.8


Healthy Pets do not have any lifetime policies.   Their most comprehensive policy is a maximum benefit policy which will pay up to £7,500 per condition.  

Benefits and Small Print  

Healthy Pets policies include cover for dental treatment (accidents only),  prescription food and euthanasia.  

The death or loss benefit payable is based on the purchase price of your pet (rather than market value and/or use of a sliding scale).

You do need to be aware that there are restrictions on the amount of cover for CT /MRI scans and cruciate ligament treatment. 

Renewal Premiums

We have not been able to find much feedback about Healthy Pets renewal premium increases and therefore have given a neutral rating of 1.5.

Customer Service 

Not have we been able to find much feedback about customer service.  So this has also been awarded a neutral rating of 1.5. More about Healthy Pets’ customer reviews.

Excess and Contribution

The fixed excess is high at £99 or £100 per condition.  (The average across all pet insurance providers is about £75-£80).    In addition you have to pay a percentage of vet fees (contribution payment) from when your pet is 5 years old (the average is 8 years). 

More Information

More About Healthy Pets


Ratings Explained for Popular Pet Insurance Providers



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