{
  "canary": "f63da8bd4374112e",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Coverage",
        "key": "vet_fees_cover",
        "label": "Vet Fees Cover",
        "options": [
          "Accident Only",
          "Accident & Illness",
          "Lifetime",
          "Up to £X,XXX"
        ],
        "poids": 5,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "pre_existing_conditions",
        "label": "Pre-existing Conditions",
        "options": [
          "Not Covered",
          "Covered after X months",
          "Covered"
        ],
        "poids": 5,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "annual_limit",
        "label": "Annual Limit",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Coverage",
        "key": "third_party_liability",
        "label": "Third Party Liability",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Coverage",
        "key": "dental_cover",
        "label": "Dental Cover",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Coverage",
        "key": "prescription_medication",
        "label": "Prescription Medication",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Pricing",
        "key": "monthly_premium",
        "label": "Monthly Premium",
        "poids": 5,
        "primary": false,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Pricing",
        "key": "excess_fee",
        "label": "Excess Fee",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Pricing",
        "key": "no_claims_discount",
        "label": "No Claims Discount",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Pricing",
        "key": "policy_excess_type",
        "label": "Excess Type",
        "options": [
          "Fixed",
          "Percentage",
          "Fixed & Percentage"
        ],
        "poids": 1,
        "sens": "neutre",
        "type": "enum"
      },
      {
        "group": "Reputation",
        "key": "customer_reviews",
        "label": "Customer Reviews",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "score",
        "unit": "/5"
      },
      {
        "group": "Service",
        "key": "claims_process_speed",
        "label": "Claims Process Speed",
        "options": [
          "Slow",
          "Average",
          "Fast"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Service",
        "key": "cooling_off_period",
        "label": "Cooling-off Period",
        "poids": 1,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "days"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best pet insurance policies in 2026?"
      },
      {
        "a": "Our comparison evaluates the extent of vet fees cover offered by each policy, a crucial factor in managing unexpected veterinary costs.",
        "q": "How do pet insurance policies compare on vet fees cover?"
      },
      {
        "a": "We assess how each pet insurance policy handles pre-existing conditions, as this is a common concern for pet owners looking for comprehensive coverage.",
        "q": "Can I get pet insurance for pre-existing conditions?"
      },
      {
        "a": "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.",
        "q": "What criteria are used to rank pet insurance providers?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2463,
    "neutral": false,
    "path": [
      "finance",
      "insurance",
      "pet-insurance"
    ],
    "price_key": "monthly_premium",
    "profile_questions": [
      {
        "options": [
          "Dog",
          "Cat",
          "Other"
        ],
        "q": "What type of pet do you have?"
      },
      {
        "options": [
          "Puppy/Kitten (under 1)",
          "Young (1-5)",
          "Adult (6-10)",
          "Senior (11+)"
        ],
        "q": "What is your pet's age?"
      },
      {
        "options": [
          "Accident only",
          "Accident & Illness",
          "Lifetime cover"
        ],
        "q": "What level of cover are you looking for?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "compare cat insurance",
      "compare dog insurance",
      "pet insurance for older pets",
      "best pet insurance deals"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Compare Pet Insurance Policies",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 10.9,
    "stale": true,
    "ttl_days": 2
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "Pet owners seeking basic coverage solely for accidental injuries.",
      "cons": [
        "Does not cover illnesses."
      ],
      "description": "Protects your pet only in the event of an accident; does not include cover for illnesses.",
      "link_url": "https://www.animalfriends.co.uk/",
      "logo_dom": "animal.com",
      "logo_url": "https://unavatar.io/animal.com?fallback=false",
      "name": "Animal Friends Pet Insurance",
      "pros": [],
      "provider": "Animal Friends",
      "provider_url": "https://www.animalfriends.co.uk/",
      "score": 78.0,
      "source_url": "https://www.animalfriends.co.uk/",
      "subscores": {
        "annual_limit": 100.0,
        "customer_reviews": 100.0,
        "excess_fee": 56.0,
        "monthly_premium": 64.0,
        "third_party_liability": 100.0,
        "vet_fees_cover": 67.0
      },
      "values": {
        "annual_limit": 8000,
        "claims_process_speed": "Average",
        "cooling_off_period": 14,
        "customer_reviews": 4.3,
        "dental_cover": false,
        "excess_fee": 180,
        "monthly_premium": 39.0,
        "no_claims_discount": false,
        "policy_excess_type": "Fixed",
        "pre_existing_conditions": "Not Covered",
        "prescription_medication": true,
        "third_party_liability": 2000000,
        "vet_fees_cover": "Lifetime"
      },
      "verified": true
    },
    {
      "badges": [
        "cheapest",
        "best_value"
      ],
      "best_for": "Pet owners looking for time-limited coverage for new accidents or illnesses.",
      "cons": [
        "Cover is time-limited for each condition.",
        "Does not cover pre-existing conditions.",
        "Does not cover spaying or neutering.",
        "Does not cover pregnancy related claims."
      ],
      "description": "Provides cover for each new accident or illness within a defined period, either 12 months from first treatment or until the vet fee limit is reached.",
      "link_url": "https://www.morethan.com/pet-insurance/",
      "logo_dom": "more.com",
      "logo_url": "https://unavatar.io/more.com?fallback=false",
      "name": "More Than Pet Insurance",
      "pros": [
        "Includes cover for dental care if teeth or gums are damaged in an accident."
      ],
      "provider": "More Than",
      "provider_url": "https://www.morethan.com/pet-insurance/",
      "score": 71.0,
      "source_url": "https://www.morethan.com/pet-insurance/",
      "subscores": {
        "annual_limit": 50.0,
        "customer_reviews": 93.0,
        "excess_fee": 100.0,
        "monthly_premium": 100.0,
        "third_party_liability": 50.0,
        "vet_fees_cover": 33.0
      },
      "values": {
        "annual_limit": 4000,
        "claims_process_speed": "Average",
        "cooling_off_period": 14,
        "customer_reviews": 4.0,
        "dental_cover": false,
        "excess_fee": 100,
        "monthly_premium": 25.0,
        "no_claims_discount": false,
        "policy_excess_type": "Fixed",
        "pre_existing_conditions": "Not Covered",
        "prescription_medication": true,
        "third_party_liability": 1000000,
        "vet_fees_cover": "Accident & Illness"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Offers various levels of cover, including accident-only and comprehensive options, with a straightforward claims process.",
      "estimated": true,
      "link_url": "https://www.directline.com/",
      "logo_dom": "direct.com",
      "logo_url": "https://unavatar.io/direct.com?fallback=false",
      "name": "Direct Line Pet Insurance",
      "provider": "Direct Line",
      "score": 68.0,
      "source_url": "https://www.directline.com/pet-insurance",
      "subscores": {
        "annual_limit": 63.0,
        "customer_reviews": 98.0,
        "excess_fee": 83.0,
        "monthly_premium": 89.0,
        "third_party_liability": 50.0,
        "vet_fees_cover": 33.0
      },
      "values": {
        "annual_limit": 5000,
        "claims_process_speed": "Average",
        "cooling_off_period": 14,
        "customer_reviews": 4.2,
        "dental_cover": false,
        "excess_fee": 120,
        "monthly_premium": 28.0,
        "no_claims_discount": false,
        "policy_excess_type": "Fixed",
        "pre_existing_conditions": "Not Covered",
        "prescription_medication": true,
        "third_party_liability": 1000000,
        "vet_fees_cover": "Accident & Illness"
      }
    },
    {
      "badges": [],
      "best_for": "Pet owners seeking basic coverage solely for accidental injuries.",
      "cons": [
        "Does not cover illnesses."
      ],
      "description": "Protects your pet only in the event of an accident; does not include cover for illnesses.",
      "link_url": "https://www.animalfriends.co.uk/",
      "logo_dom": "www.animalfriends.co.uk",
      "logo_url": "https://unavatar.io/www.animalfriends.co.uk?fallback=false",
      "name": "Accident Only dog insurance",
      "pros": [],
      "provider": "Animal Friends Pet Insurance",
      "provider_url": "https://www.animalfriends.co.uk/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.animalfriends.co.uk/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners looking for temporary coverage for new conditions.",
      "cons": [
        "Cover for a condition is limited to 12 months or a specific financial limit, after which it's no longer covered."
      ],
      "description": "Covers each new condition for 12 months, from the date your pet first shows signs or symptoms, or until you reach your cover limit.",
      "link_url": "https://www.animalfriends.co.uk/",
      "logo_dom": "www.animalfriends.co.uk",
      "logo_url": "https://unavatar.io/www.animalfriends.co.uk?fallback=false",
      "name": "Time Limited dog insurance",
      "pros": [],
      "provider": "Animal Friends Pet Insurance",
      "provider_url": "https://www.animalfriends.co.uk/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.animalfriends.co.uk/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners who want a fixed amount of cover per condition without a time constraint.",
      "cons": [
        "Once the cover limit for a condition is reached, you cannot claim for it again."
      ],
      "description": "Provides a set amount of cover for each condition, with no time limit as to how long you can claim while the policy remains active.",
      "link_url": "https://www.animalfriends.co.uk/",
      "logo_dom": "www.animalfriends.co.uk",
      "logo_url": "https://unavatar.io/www.animalfriends.co.uk?fallback=false",
      "name": "Max Benefit dog insurance",
      "pros": [
        "No time limit for claiming on a condition as long as the policy is active."
      ],
      "provider": "Animal Friends Pet Insurance",
      "provider_url": "https://www.animalfriends.co.uk/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.animalfriends.co.uk/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners seeking comprehensive, ongoing coverage for chronic and recurring conditions.",
      "cons": [],
      "description": "Includes cover for long-term, chronic, or recurring conditions as well as short-term illness and injury, if the policy is renewed every year.",
      "link_url": "https://www.animalfriends.co.uk/",
      "logo_dom": "www.animalfriends.co.uk",
      "logo_url": "https://unavatar.io/www.animalfriends.co.uk?fallback=false",
      "name": "Lifetime dog insurance",
      "pros": [
        "Covers long-term, chronic, and recurring conditions.",
        "Vet fee limit is reinstated each year upon renewal."
      ],
      "provider": "Animal Friends Pet Insurance",
      "provider_url": "https://www.animalfriends.co.uk/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.animalfriends.co.uk/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners looking for time-limited coverage for new accidents or illnesses.",
      "cons": [
        "Cover is time-limited for each condition.",
        "Does not cover pre-existing conditions.",
        "Does not cover spaying or neutering.",
        "Does not cover pregnancy related claims."
      ],
      "description": "Provides cover for each new accident or illness within a defined period, either 12 months from first treatment or until the vet fee limit is reached.",
      "link_url": "https://www.morethan.com/pet-insurance/",
      "logo_dom": "www.morethan.com",
      "logo_url": "https://unavatar.io/www.morethan.com?fallback=false",
      "name": "Basic",
      "pros": [
        "Includes cover for dental care if teeth or gums are damaged in an accident."
      ],
      "provider": "More Than Pet Insurance",
      "provider_url": "https://www.morethan.com/pet-insurance/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.morethan.com/pet-insurance/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners who want a fixed amount of cover per condition without a time constraint.",
      "cons": [
        "Does not cover pre-existing conditions.",
        "Does not cover spaying or neutering.",
        "Does not cover pregnancy related claims."
      ],
      "description": "Provides cover for vet fees up to your chosen vet fee limit for each new accident or illness, with no time limit on using the vet fee limit.",
      "link_url": "https://www.morethan.com/pet-insurance/",
      "logo_dom": "www.morethan.com",
      "logo_url": "https://unavatar.io/www.morethan.com?fallback=false",
      "name": "Classic",
      "pros": [
        "No time limit for claiming on a condition.",
        "Includes cover for dental care if teeth or gums are damaged in an accident."
      ],
      "provider": "More Than Pet Insurance",
      "provider_url": "https://www.morethan.com/pet-insurance/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.morethan.com/pet-insurance/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners seeking comprehensive, ongoing coverage for chronic and recurring conditions with annual vet fee limit resets.",
      "cons": [
        "Does not cover pre-existing conditions.",
        "Does not cover spaying or neutering.",
        "Does not cover pregnancy related claims."
      ],
      "description": "Provides cover for vet fees up to your chosen vet fee limit for each new accident or illness each year, with the limit reinstating annually upon renewal.",
      "link_url": "https://www.morethan.com/pet-insurance/",
      "logo_dom": "www.morethan.com",
      "logo_url": "https://unavatar.io/www.morethan.com?fallback=false",
      "name": "Premier",
      "pros": [
        "Vet fee limit is reinstated each year upon renewal.",
        "Includes cover for dental care if teeth or gums are damaged in an accident.",
        "Covers vet fees for dental care up to £2,000 for tooth decay or gum disease if annual dental checks are performed."
      ],
      "provider": "More Than Pet Insurance",
      "provider_url": "https://www.morethan.com/pet-insurance/",
      "review": null,
      "review_summary": null,
      "score": 0.0,
      "source_url": "https://www.morethan.com/pet-insurance/",
      "subscores": {},
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://pdsa.com/",
      "name": "PDSA",
      "score": 0.0,
      "subscores": {},
      "values": {
        "annual_limit": null,
        "claims_process_speed": null,
        "cooling_off_period": null,
        "customer_reviews": null,
        "dental_cover": null,
        "excess_fee": null,
        "monthly_premium": null,
        "no_claims_discount": null,
        "policy_excess_type": null,
        "pre_existing_conditions": null,
        "prescription_medication": null,
        "third_party_liability": null,
        "vet_fees_cover": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/pet-insurance-comparison.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "pet insurance comparison",
  "source": "CompareFairly",
  "title": "Compare Pet Insurance Policies",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/pet-insurance-comparison"
}