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"Moneyfacts’ expert team have spent the last 30 years providing 100% impartial and accurate information regarding a host of retail financial products. We take a whole of market look at the pet insurance policies, collecting over 70 fields of information for each individual product before analysing and comparing them to produce our ratings. As part of this process, we split cat and dog insurance policies so you can be assured that our Four and Five Star Ratings represent the best in market choice for your beloved pet.\n\rMoneyfacts is recognised by both customers and providers as the go-to place for accurate insight and impartial evaluation of pet insurance policies. The straight-forward five-star ratings system is a simple and effective way for consumers to compare products and providers.\nOnly those pet insurance policies that deliver the best in terms of both features and benefits can expect to receive our Four and Five Star Ratings. Customers choosing from products that are awarded one of these ratings can be sure they are buying the best cover on the market.\n\r\n\n\n\n\nMaximum veterinary fees insured\nClaims time limit\nTotal excess\nFees and charges\nDiscounts\nBoarding fees cover\nDeath by accident and illness cover\nLost or stolen cover\nAdvertising and reward cover\nAlternative treatments cover\nDental treatments cover\nEuthanasia cover\n\n\n\n\nHereditary conditions cover\nCongenital conditions cover\nOverseas vet fees\nQuarantine costs\nSpecial diet cover\nBehavioural disorders cover\nAccidental damage to third parties cover\nPet funeral / cremation cover\nThird-party legal liability cover\nMaximum age limits.\n\n\n\n\n\n \n\rCat Insurance - Five Star\n\n4Paws Pet Insurance - Life Plus\n4Paws Pet Insurance - Life Premium\nAdmiral - Premier Plus\nAgeas - Extra\nAgeas - Ultra\nAgria Pet Insurance - Agria Lifetime\nAgria Pet Insurance - Agria Lifetime Plus\nAnimal Friends - Prestige\nArgos - Lifetime £7,000\nASDA Money - 12 Month £5,000\nASDA Money - Lifetime £10,000\nASDA Money - Lifetime £2,000\nASDA Money - Lifetime £4,000\nAviva - Platinum\nBought By Many - Complete\nBought By Many - Fixed for Life\nBought By Many - MoneyBack\nBought By Many - Pre-Existing\nBought By Many - Regular\nBuddies - Premier Plus\nClub Care Insurance - Life Plus\nClub Care Insurance - Life Premium\nComputer Quote - Ultimate Cover\nConfidas - Pet Lux\nConfidas - Pet Max\nDebenhams - Elite\nDirect Line - Advanced Cover\nDirect Line - Select Premier Pet Insurance\nEmerald Life - Emerald Level 3\nEmerald Life - Emerald Level 4\nEverypaw - Lifetime Everypaw £10k\nEverypaw - Lifetime Everypaw £6k\nEverypaw - Maximum Benefit Everypaw £5k\nGeoffrey Insurance Services - Enhanced Lifetime\nGeoffrey Insurance Services - Standard Lifetime\nHealthy Pets Insurance - Gold\nHealthy Pets Insurance - Premier\nHelpucover - Premier\nInsureyourpaws.co.uk - Lifetime\nInsureyourpaws.co.uk - Maximum Benefit\nJohn Lewis Insurance - Essential\nJohn Lewis Insurance - Plus\nJohn Lewis Insurance - Premier\nLegal &amp; General - 12 Month £5,000\nLegal &amp; General - Lifetime £10,000\nLegal &amp; General - Lifetime £2,000\nLegal &amp; General - Lifetime £4,000\nLV= - Lifetime £10,000\nLV= - Lifetime £3,000\nLV= - Lifetime £5,000\nLV= - Time Limited £1,500\nLV= - Time Limited £2,500\nM&amp;S Bank - Premier\nMiPet Cover - LifetimeFlex £10,000\nMiPet Cover - LifetimeFlex £12,000\nMiPet Cover - LifetimeFlex £4,000\nMiPet Cover - LifetimeFlex £6,000\nMiPet Cover - LifetimeFlex £8,000\nMORE TH&gt;N - Basic £3,000\nMORE TH&gt;N - Classic £4,000\nMORE TH&gt;N - Classic £8,000\nMORE TH&gt;N - Premier £12,000\nMORE TH&gt;N - Premier £4,000\nNatWest - Premier Pet Insurance\nNCI Pet Insurance - Life Plus\nNCI Pet Insurance - Life Premium\nPDSA - Ultimate\nPDSA - Ultimate Plus\nPetguard - Accident &amp; Illness £12,000\nPetguard - Accident &amp; Illness £3,000\nPetguard - Accident &amp; Illness £6,000\nPetplan - Classic\nPetplan - Classic +\nPetplan - Ultimate\nPets in a Pickle - Standard Lifetime\nPets in a Pickle - Ultimate Lifetime\nPETtrac - Accident &amp; Illness £12,000\nPETtrac - Accident &amp; Illness £3,000\nPETtrac - Accident &amp; Illness £6,000\nPetwise - Gold\nPetwise - Platinum\nPetwise - Silver\nPost Office Money - Premium Plus\nPurely Pets - Lifetime Bronze\nPurely Pets - Lifetime Gold\nPurely Pets - Lifetime Silver\nRoyal Bank of Scotland - Premier Pet Insurance\nRSPCA Pet Insurance - Gold\nRSPCA Pet Insurance - Platinum\nRSPCA Pet Insurance - Silver\nSaga - Super\nSainsbury's Bank - Lifetime £2,500\nSainsbury's Bank - Lifetime £5,000\nSainsbury's Bank - Lifetime £7,500\nScratch &amp; Patch - Premier Plus\nSterling Pet Solutions - Pet Insurance\nTesco Bank - Extra £4,000\nTesco Bank - Extra £7,500\nTesco Bank - Premier £10,000\nTesco Bank - Premier £4,000\nTesco Bank - Premier £7,500\nTesco Bank - Standard\nThe Insurance Emporium - Lifetime Bronze Monthly\nThe Insurance Emporium - Lifetime Gold Annual\nThe Insurance Emporium - Lifetime Gold Monthly\nThe Insurance Emporium - Lifetime Silver Annual\nThe Insurance Emporium - Lifetime Silver Monthly\nThe Insurance Emporium - Maximum Benefit Bronze Monthly\nThe Insurance Emporium - Maximum Benefit Gold Annual\nThe Insurance Emporium - Maximum Benefit Gold Monthly\nThe Insurance Emporium - Maximum Benefit Silver Annual\nThe Insurance Emporium - Maximum Benefit Silver Monthly\nThe Insurance Emporium - Time Limited Bronze Monthly\nThe Insurance Emporium - Time Limited Gold Annual\nThe Insurance Emporium - Time Limited Gold Monthly\nThe Insurance Emporium - Time Limited Silver Annual\nThe Insurance Emporium - Time Limited Silver Monthly\nVetsure - Premier\nVetsure - Premier Plus\n\n\rCat Insurance - Four Star\n\n4Paws Pet Insurance - Maximum Benefit £7,000\nAA - Gold\nAA - Gold Plus\nAdmiral - Premier\nAgeas - Classic\nAnimal Friends - Superior Plus\nArgos - Lifetime £3,500\nArgos - Time Limited £4,000\nAviva - Gold\nBuddies - Premier\nClub Care Insurance - Maximum Benefit £7,000\nComputer Quote - Classic Cover\nCo-op Insurance - Select Plus\nDirect Line - Essential Cover\nE&amp;L - Diamond Lunar Monthly\nEmerald Life - Emerald Level 2\nEverypaw - Lifetime Everypaw £4k\nEverypaw - Maximum Benefit Everypaw £3k\nHealthy Pets Insurance - Silver\nLeisure Guard - Lifetime Lunar Monthly\nLeisure Guard - Lifetime Yearly\nLeisure Guard - Standard Lunar Monthly\nMiPet Cover - 365Flex £5,000\nMiPet Cover - LifetimeFlex £2,000\nMORE TH&gt;N - Basic £1,500\nNCI Pet Insurance - Maximum Benefit £7,000\nPDSA - Advance Plus\nPet ID - Select Plus\nPet-insurance.co.uk - Lifetime Lunar Monthly\nPet-insurance.co.uk - Standard Lunar Monthly\nPetplan - Essential\nPets in a Pickle - Essential Lifetime\nSainsbury's Bank - Time Limited £3,000\nScratch &amp; Patch - Premier\nThe Insurance Emporium - Lifetime Bronze Annual\nThe Insurance Emporium - Maximum Benefit Bronze Annual\nVetsMediCover - Diamond\n\n\rDog Insurance - Five Star\n\n4Paws Pet Insurance - Life Plus\n4Paws Pet Insurance - Life Premium\n4Paws Pet Insurance - Maximum Benefit £7,000\nAdmiral - Premier Plus\nAgeas - Extra\nAgeas - Ultra\nAgria Pet Insurance - Agria Lifetime\nAgria Pet Insurance - Agria Lifetime Plus\nAnimal Friends - Prestige\nArgos - Lifetime £7,000\nASDA Money - 12 Month £5,000\nASDA Money - Lifetime £10,000\nASDA Money - Lifetime £2,000\nASDA Money - Lifetime £4,000\nAviva - Platinum\nBought By Many - Complete\nBought By Many - Fixed for Life\nBought By Many - MoneyBack\nBought By Many - Pre-Existing\nBought By Many - Regular\nBuddies - Premier Plus\nClub Care Insurance - Life Plus\nClub Care Insurance - Life Premium\nClub Care Insurance - Maximum Benefit £7,000\nComputer Quote - Ultimate Cover\nConfidas - Pet Lux\nConfidas - Pet Max\nDebenhams - Elite\nDirect Line - Advanced Cover\nDirect Line - Select Premier Pet Insurance\nEmerald Life - Emerald Level 4\nEverypaw - Lifetime Everypaw £10k\nEverypaw - Lifetime Everypaw £6k\nEverypaw - Maximum Benefit Everypaw £5k\nGeoffrey Insurance Services - Enhanced Lifetime\nGeoffrey Insurance Services - Standard Lifetime\nHealthy Pets Insurance - Gold\nHealthy Pets Insurance - Premier\nInsureyourpaws.co.uk - Lifetime\nInsureyourpaws.co.uk - Maximum Benefit\nJohn Lewis Insurance - Essential\nJohn Lewis Insurance - Plus\nJohn Lewis Insurance - Premier\nLegal &amp; General - 12 Month £5,000\nLegal &amp; General - Lifetime £10,000\nLegal &amp; General - Lifetime £2,000\nLegal &amp; General - Lifetime £4,000\nLV= - Lifetime £10,000\nLV= - Lifetime £3,000\nLV= - Lifetime £5,000\nLV= - Time Limited £2,500\nM&amp;S Bank - Premier\nMiPet Cover - LifetimeFlex £10,000\nMiPet Cover -LifetimeFlex £12,000\nMiPet Cover - LifetimeFlex £4,000\nMiPet Cover - LifetimeFlex £6,000\nMiPet Cover - LifetimeFlex £8,000\nMORE TH&gt;N - Basic £3,000\nMORE TH&gt;N - Classic £4,000\nMORE TH&gt;N -Classic £8,000\nMORE TH&gt;N - Premier £12,000\nMORE TH&gt;N - Premier £4,000\nNatWest - Premier Pet Insurance\nNCI Pet Insurance - Life Plus\nNCI Pet Insurance - Life Premium\nNCI Pet Insurance - Maximum Benefit £7,000\nPDSA - Ultimate\nPDSA - Ultimate Plus\nPetguard - Accident &amp; Illness £12,000\nPetguard - Accident &amp; Illness £3,000\nPetguard -Accident &amp; Illness £6,000\nPetplan - Classic +\nPetplan - Ultimate\nPets in a Pickle - Standard Lifetime\nPets in a Pickle - Ultimate Lifetime\nPETtrac - Accident &amp; Illness £12,000\nPETtrac - Accident &amp; Illness £3,000\nPETtrac - Accident &amp; Illness £6,000\nPetwise - Gold\nPetwise - Platinum\nPost Office Money - Premium Plus\nPurely Pets - Lifetime Bronze\nPurely Pets - Lifetime Gold\nPurely Pets - Lifetime Silver\nRoyal Bank of Scotland - Premier Pet Insurance\nRSPCA Pet Insurance - Gold\nRSPCA Pet Insurance - Platinum\nRSPCA Pet Insurance - Silver\nSaga - Super\nSainsbury's Bank - Lifetime £2,500\nSainsbury's Bank - Lifetime £5,000\nSainsbury's Bank - Lifetime £7,500\nScratch &amp; Patch - Premier Plus\nSterling Pet Solutions - Pet Insurance\nTesco Bank - Extra £4,000\nTesco Bank - Extra £7,500\nTesco Bank - Premier £10,000\nTesco Bank - Premier £4,000\nTesco Bank - Premier £7,500\nTesco Bank - Standard\nThe Insurance Emporium - Lifetime Bronze Monthly\nThe Insurance Emporium - Lifetime Gold Annual\nThe Insurance Emporium - Lifetime Gold Monthly\nThe Insurance Emporium - Lifetime Silver Annual\nThe Insurance Emporium - Lifetime Silver Monthly\nThe Insurance Emporium - Maximum Benefit Bronze Monthly\nThe Insurance Emporium - Maximum Benefit Gold Annual\nThe Insurance Emporium - Maximum Benefit Gold Monthly\nThe Insurance Emporium - Maximum Benefit Silver Annual\nThe Insurance Emporium - Maximum Benefit Silver Monthly\nThe Insurance Emporium - Time Limited Bronze Monthly\nThe Insurance Emporium - Time Limited Gold Annual\nThe Insurance Emporium - Time Limited Gold Monthly\nThe Insurance Emporium - Time Limited Silver Annual\nThe Insurance Emporium - Time Limited Silver Monthly\nThe Kennel Club - Kennel Club Lifetime\nThe Kennel Club - Kennel Club Lifetime Plus\nVetsure - Premier\nVetsure - Premier Plus\n\n\rDog insurance - Four Star\n\nAA - Gold\nAA - Gold Plus\nAdmiral - Premier\nAgeas - Classic\nAnimal Friends - Max Extra\nAnimal Friends - Superior Plus\nArgos - Lifetime £3,500\nArgos - Time Limited £4,000\nAviva - Gold\nBuddies - Premier\nComputer Quote - Classic Cover\nCo-op Insurance - Select Plus\nDirect Line - Essential Cover\nE&amp;L - Diamond Lunar Monthly\nEmerald Life - Emerald Level 3\nEverypaw - Lifetime Everypaw £4k\nEverypaw - Maximum Benefit Everypaw £3k\nHelpucover - Premier\nLeisure Guard - Lifetime Lunar Monthly\nLeisure Guard - Lifetime Yearly\nLV= - Time Limited £1,500\nMiPet Cover - 365Flex £5,000\nMiPet Cover - LifetimeFlex £2,000\nMORE TH&gt;N - Basic £1,500\nPDSA - Advance Plus\nPet ID - Select Plus\nPet-insurance.co.uk - Lifetime Lunar Monthly\nPet-insurance.co.uk - Standard Lunar Monthly\nPetplan - Essential\nPets in a Pickle - Essential Lifetime\nPetwise - Silver\nSainsbury's Bank - Time Limited £3,000\nScratch &amp; Patch - Premier\nThe Insurance Emporium - Lifetime Bronze Annual\nThe Insurance Emporium - Maximum Benefit Bronze Annual\nVetsMediCover - Diamond\n\n\rMany pet owners consider their beloved cat or dog as one of the family. Unfortunately, when a pet falls ill the vet’s fees can quickly mount up. Pet insurance is there to help you pay for the veterinary costs should your cat, dog or other domestic pet becomes sick or is injured.\nIn addition, if you choose you can expand the cover to include a range of other perils, such as public liability (if your dog attacks and injures another animal and/or person or it damages someone else’s property), the cost of keeping your cat or dog in a cattery or kennels if you fall ill and must go into hospital or temporary care and even the replacement value if your animal is stolen or lost.\nIn this guide we’ll be looking at the important things you need to know about pet insurance.\n\rMost people tend to buy pet insurance for their cat or dog; however, cover isn’t just restricted to our four-legged friends. It’s perfectly possible to insurance a range of domestic animals, such as hamsters, rabbits, guinea pigs or anything else you may find in a pet shop. This also includes certain types of birds, like budgies or parrots.\nPets which you keep for the purposes of racing them, such as greyhounds (unless they are retired) or pigeons, may cost more to insure (or may be declined entirely) due to the higher likelihood of them being injured or lost.\nOf course, pet insurance is available for the not-so-common pets too, so if you have an exotic animal, such as snakes, lizards, spiders – even tropical fish – you can still find there’s a policy out there for you.\nHorses and ponies aren’t covered under domestic pet insurance but can still be insured by an equine insurance provider.\n\rThe cost of your pet insurance can vary tremendously depending on what type of animal you are insuring, their age and what is covered under the policy. Insurance which has higher limits, more comprehensive cover and greater benefits will cost more than those offering basic cover for a limited number of risks.\nThe cost of pet insurance however is small compared to the £100’s and even £1,000’s you could have to pay in vet’s bills if your furry friend gets seriously ill or injured. Worse yet, if you can’t afford to pay and must have your pet put down.\nThings which might increase your premium\n\nAge – Older pets will cost more to insure and may not get cover at allMedical history – You will have to declare any medical problems which your pet has already suffered. These can increase the premium or the risk may be excluded completely from cover (Never be tempted to lie or simply not disclose this kind of information – this is illegal and can result in both prosecution and your policy being cancelled)\nType and breed of pet – Dogs tend to attract a higher premium than cats. Exotic pets and pedigree breeds will also tend to increase the premium you can expect to pay. However, on the plus side some insurers offer multibuy discounts if you are insuring more than one animal.\n\nChoose a policy which gives a level of cover you are happy with at a price you can comfortably afford. Of course, you can always choose to pay monthly to spread the cost of most pet insurance premium but remember that you’ll probably be charged interest for doing so.\n\rThis includes:\n\rAt the most basic level you can buy pet insurance policies which work perfectly to cover you against unexpected vets bills for illness or injury.\nThese include the cost of drugs, any surgeries required and even physiotherapy to help your pet recover. Some policies will also cover the cost of non-standard treatments, such as acupuncture, homeopathy and behavioural therapy.\nHowever, it’s important to note that some things – such as the cost of regular check-ups, vaccinations, booster shots, anti-flea treatments and grooming – will not be covered. For more information see the section on What is excluded from pet insurance? below.\n\rPet insurance also often covers the value of your treasured pet, should they die due to illness, accident, be lost or even stolen. While the average cat or kitten might be bought for less than £50 – often they are free to a good home – pure-bred pedigree cats can have a value measured in the hundreds and even thousands of pounds, as can many dogs.\nExotic pets by their very nature tend to be rarer and cost far more than ordinary domestic pets. While no sum could truly make up for the loss of your furry friend at least this will compensate you for your basic financial loss.\nIn cases where a pet goes missing some insurance policies will cover you up to a set limit to advertise for your lost pet and even offer a modest reward for finding the animal and returning it to you or for information that leads to a conviction if the pet was stolen.\n\rAs mentioned previously pet insurance can also include an element of public liability cover should your animal injure someone or do damage to their property (including another pet or livestock). This cover is normally reserved for dogs, but it can also be extended to venomous exotic pets too.\n\rMany pet insurance policies may also cover the cost of boarding your cat or dog at a cattery or kennels, should you have to go into hospital or into temporary care. Often these boarding charges are only claimable for periods over four days, if the costs exceed a certain limit – such as £500 – and have an upper limit to all payments – say, up to £2000 for any single occasion.\n\rSome policies will cover your pet for all or some of the above events while you are abroad. This is great if you have a second home overseas which your pet might travel to with you.\n\rThere are several different types of pet insurance which affect what you are covered for, if there is a limit on what you can claim and how often per year.\nSee the section below What types of pet insurance are there? for more info\n\rThere are some things which you cannot insure against or claim for with pet insurance. What you are insured for will differ depending on your policy and provider. This is one of those occasions where you really should read the small print!\n\nDental care (check carefully!). Some policies will cover this at an additional expense or even as part of their standard cover. However, some will not cover dental treatments for your pet at all or may have a limit on cost of treatments. Check your policy carefully and make sure this is in place if necessary. In all cases cosmetic dental work will not be covered.\nPre-existing health conditions*. Very often these are specifically excluded from cover, unless they arise during the period of insurance. For example, if it is known that your dog has liver problems before you take out the policy you will probably not be able to claim for treatments or death specific to this cause. If, however, your pet’s condition is diagnosed after 14 days from the start of the policy this will likely be covered (subject to your policy’s cover, terms and exclusions).\nRegular health check-ups, vaccinations and immunisations (including booster shots)\nGrooming costs – Including claw-clipping, de-matting and cosmetic procedures\nRoutine and preventative treatment – This includes flea, tick and worm treatments, spaying and castration costs\nPregnancy – Some policies may exclude claims related to pregnancy or your pet giving birth - Be sure to check\nEuthanasia and cremation costs- Some policies do not cover the cost of having your pet put to sleep and/or the costs of cremation. In addition, if these are covered then there may be policy limits which restrict how much they will pay in these circumstances. Again, check your policy carefully.\n\n* - Hereditary illnesses. If you pet has a family history or a tendency in the breed to develop certain health problems, you must declare this when taking out the policy. Most insurers will accept the risk if your pet is not showing any signs of this condition when the policy is taken out (although you may be charged a higher premium). If your pet subsequently develops this condition 14 days or more after the policy starts and you have ‘unrestricted’ cover then you will be covered (subject to your normal policy conditions, limits and exclusions). \nAlways make sure you know what is covered by your pet insurance policy and what isn’t – Don’t find yourself in the unenviable position of having paid a premium only to find out later that you aren’t covered when the worst happens\n\rPet insurance falls into four types: Lifetime, maximum benefit, time-limited and accident only.\n\rAll pet insurance policies are likely to carry some form of excess. For example, if your pet’s policy has a £250 excess this means that the insurers will not pay for the first £250 of any claim.\nMost policies also charge a percentage of the amount outstanding after the excess has been deducted, this will vary depending on the age of the animal.\nDifferent excesses may apply for different conditions, treatments or pets as well so check your policy carefully.\n\rBe sure to check if your pet insurance covers emergency dental problems and treatments. This often catches people out when they buy a policy but find out later that this element is specifically excluded.\nRemember that routine dental care provided by your vet (descaling, cleaning, etc.) won’t be covered\n\r"
<https://moneyfacts.co.uk/star-ratings/what-is-the-best-pet-insurance-in-2020/>