CompareFairlyCompare Pet Insurance Policies 2026
Our pick : Animal Friends Pet Insurance (78/100) · Cheapest : More Than Pet Insurance · Best value : More Than Pet Insurance
In short
This comparison evaluates 11 pet insurance policies based on 13 criteria, including vet fees cover, pre-existing conditions, annual limit, third-party liability, dental cover, and prescription medication. Animal Friends Pet Insurance ranks highest with a score of 78/100, largely due to its perfect scores for annual limit and customer reviews. More Than Pet Insurance is the next best at 71/100, excelling in excess fee coverage, and is also the most affordable option. The data for 9 out of 11 options is sourced, with the remaining values being flagged as estimates. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Animal Friends Pet Insurance | More Than Pet Insurance | Direct Line Pet Insurance | Accident Only dog insurance | Time Limited dog insurance | Max Benefit dog insurance |
|---|---|---|---|---|---|---|
| Vet Fees Cover | Lifetime | Accident & Illness | Accident & Illness | — | — | — |
| Pre-existing Conditions | Not Covered | Not Covered | Not Covered | — | — | — |
| Annual Limit (GBP) | 8000 | 4000 | 5000 | — | — | — |
| Third Party Liability (GBP) | 2000000 | 1000000 | 1000000 | — | — | — |
| Dental Cover | — | — | — | — | — | — |
| Prescription Medication | ✓ | ✓ | ✓ | — | — | — |
| Monthly Premium (GBP) | 39.0 | 25.0 | 28.0 | — | — | — |
| Excess Fee (GBP) | 180 | 100 | 120 | — | — | — |
| No Claims Discount | — | — | — | — | — | — |
| Excess Type | Fixed | Fixed | Fixed | — | — | — |
| Customer Reviews (/5) | 4.3 | 4.0 | 4.2 | — | — | — |
| Claims Process Speed | Average | Average | Average | — | — | — |
| Cooling-off Period (days) | 14 | 14 | 14 | — | — | — |
Frequently asked questions
What are the best pet insurance policies in 2026?
In 2026, Animal Friends Pet Insurance ranks highest with a score of 78/100, followed closely by More Than Pet Insurance, based on our comprehensive comparison of key features.
How do pet insurance policies compare on vet fees cover?
Our comparison evaluates the extent of vet fees cover offered by each policy, a crucial factor in managing unexpected veterinary costs.
Can I get pet insurance for pre-existing conditions?
We assess how each pet insurance policy handles pre-existing conditions, as this is a common concern for pet owners looking for comprehensive coverage.
What criteria are used to rank pet insurance providers?
Our rankings are based on objective data for Vet Fees Cover, Pre-existing Conditions, Annual Limit, Third Party Liability, Dental Cover, and Prescription Medication, ensuring a neutral and unbiased comparison.
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.