# Best Pet Insurance _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › assurance › assurance animaux **Our pick**: Agria Pet Insurance (76/100) · **Cheapest**: The Co-operative Pet Insurance · **Best value**: Animal Friends Pet Insurance ## 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 | 4.4 | 4.3 | 4.2 | 4.1 | | Policy Customisation | Moderate | High | Moderate | High | Moderate | Moderate | ## 1. Agria Pet Insurance Agria Pet Insurance offers lifetime pet insurance designed to protect your pet year after year, covering unexpected accidents and ongoing conditions. **Best for:** Pet owners seeking comprehensive lifetime cover with high annual vet fee limits and direct vet payments. **Pros:** - Up to £20,000 vet fees every year - Pays 98% of claims and can pay vets directly - No premium increase when claiming - Free 24/7 vet video calls _Source (verified): [https://www.agriapet.co.uk/](https://www.agriapet.co.uk/)_ ## 2. Petplan Pet Insurance A long-established provider known for its comprehensive cover, including congenital conditions. _Source (estimate): [https://www.petplan.co.uk/](https://www.petplan.co.uk/)_ ## 3. Bought By Many Pet Insurance Known for its comprehensive cover options and strong customer reviews. _Source (estimate): [https://www.boughtbymany.com/pet-insurance/](https://www.boughtbymany.com/pet-insurance/)_ ## 4. Nationwide Pet Insurance Offers a variety of plans, including options for hereditary and congenital conditions. _Source (estimate): [https://www.nationwide.com/pet-insurance/](https://www.nationwide.com/pet-insurance/)_ ## 5. ManyPets Pet Insurance Offers a range of policies with a focus on flexibility and a user-friendly online platform. _Source (estimate): [https://www.manypets.com/](https://www.manypets.com/)_ ## 6. Animal Friends Pet Insurance Animal Friends offers various types of pet insurance policies, including Accident Only, Time Limited, Max Benefit, and Lifetime, with a commitment to animal welfare. **Best for:** Pet owners looking for a range of policy options and who value supporting animal welfare initiatives. **Pros:** - Supports animal welfare charities - Offers various policy types (Accident Only, Time Limited, Max Benefit, Lifetime) - Can include additional benefits like vet video consultations - Allows annual or monthly payments _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 7. The Co-operative Pet Insurance Offers a range of policies with options for different levels of cover and excess. _Source (estimate): [https://www.co-operativeinsurance.co.uk/pet-insurance](https://www.co-operativeinsurance.co.uk/pet-insurance)_ ## 8. Direct Line Pet Insurance Offers various levels of cover with a straightforward claims process. _Source (estimate): [https://www.directline.com/pet-insurance](https://www.directline.com/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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/best-pet-insurance-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._