CompareFairlyBest Pet Insurance 2026
Our pick : Agria Pet Insurance (76/100) · Cheapest : The Co-operative Pet Insurance · Best value : Animal Friends Pet Insurance
In short
This comparison of 8 pet insurance policies across 14 criteria, including pre-existing conditions cover, annual maximum cover, reimbursement percentage, dental care cover, behavioural treatment cover, and physiotherapy cover, places Agria Pet Insurance first with a score of 76/100, largely due to its perfect scores in annual maximum cover and physiotherapy cover. Petplan Pet Insurance also scores 76/100, excelling in dental care cover, while The Co-operative Pet Insurance is identified as the most affordable option. It is noted that data for 2 out of the 8 options was sourced, with the remaining values being estimates. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Agria Pet Insurance | Petplan Pet Insurance | Bought By Many Pet Insurance | Nationwide Pet Insurance | ManyPets Pet Insurance | Animal Friends Pet Insurance |
|---|---|---|---|---|---|---|
| Pre-existing Conditions Cover | Limited | Limited | Limited | Limited | Limited | Limited |
| Annual Maximum Cover (GBP) | 20000 | 15000 | 10000 | 10000 | 12000 | 7000 |
| Reimbursement Percentage (%) | 80 | 90 | 90 | 90 | 90 | 80 |
| Dental Care Cover | Accident Only | Accident & Illness | Accident Only | Accident Only | Accident Only | Accident Only |
| Behavioural Treatment Cover | Limited | Limited | Limited | None | None | None |
| Physiotherapy Cover | Included | Included | Included | Included | Included | None |
| Waiting Period for Illness (jours) | 14 | 14 | 14 | 14 | 14 | 14 |
| Waiting Period for Accident (jours) | 2 | 2 | 2 | 2 | 2 | 2 |
| Vaccination Cover | None | None | None | None | None | None |
| Monthly Price (GBP) | 35 | 45 | 38 | 42 | 40 | 28 |
| Excess Fee (GBP) | 100 | 150 | 120 | 100 | 100 | 75 |
| Customer Reviews Score (%) | 85 | 82 | 89 | 84 | 88 | 80 |
| Customer Service Rating (etoiles) | 4.5 | 4.0 | 4.4 | 4.3 | 4.2 | 4.1 |
| Policy Customisation | Moderate | High | Moderate | High | Moderate | Moderate |
Frequently asked questions
What is the best pet insurance in 2026?
Agria Pet Insurance is currently ranked highest with a score of 76/100, followed closely by Petplan Pet Insurance, based on our comprehensive comparison of key features.
Does pet insurance cover pre-existing conditions?
Coverage for pre-existing conditions varies significantly between providers. It's crucial to check the specific policy details for each insurer.
How do I choose the right pet insurance plan?
Consider factors like annual maximum cover, reimbursement percentage, and specific coverages such as dental, behavioural, or physiotherapy treatments to find the best fit for your pet's needs.
Is your pet insurance ranking sponsored?
No, our rankings are entirely neutral and based on objective data. We do not accept payment for placement, and all our data is sourced and verifiable.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.