# Compare Pet Insurance Policies _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › insurance › pet insurance **Our pick**: Animal Friends Pet Insurance (78/100) · **Cheapest**: More Than Pet Insurance · **Best value**: More Than Pet Insurance ## 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 | 25 | 28 | - | - | - | | Excess Fee (GBP) | 180 | 100 | 120 | - | - | - | | No Claims Discount | - | - | - | - | - | - | | Excess Type | Fixed | Fixed | Fixed | - | - | - | | Customer Reviews (/5) | 4.3 | 4 | 4.2 | - | - | - | | Claims Process Speed | Average | Average | Average | - | - | - | | Cooling-off Period (days) | 14 | 14 | 14 | - | - | - | ## 1. Animal Friends Pet Insurance Protects your pet only in the event of an accident; does not include cover for illnesses. **Best for:** Pet owners seeking basic coverage solely for accidental injuries. **Cons:** - Does not cover illnesses. _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 2. More Than Pet Insurance 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. **Best for:** Pet owners looking for time-limited coverage for new accidents or illnesses. **Pros:** - Includes cover for dental care if teeth or gums are damaged in an accident. **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. _Source (verified): [https://www.morethan.com/pet-insurance/](https://www.morethan.com/pet-insurance/)_ ## 3. Direct Line Pet Insurance Offers various levels of cover, including accident-only and comprehensive options, with a straightforward claims process. _Source (estimate): [https://www.directline.com/pet-insurance](https://www.directline.com/pet-insurance)_ ## 4. Accident Only dog insurance Protects your pet only in the event of an accident; does not include cover for illnesses. **Best for:** Pet owners seeking basic coverage solely for accidental injuries. **Cons:** - Does not cover illnesses. _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 5. Time Limited dog insurance Covers each new condition for 12 months, from the date your pet first shows signs or symptoms, or until you reach your cover limit. **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. _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 6. Max Benefit dog insurance 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. **Best for:** Pet owners who want a fixed amount of cover per condition without a time constraint. **Pros:** - No time limit for claiming on a condition as long as the policy is active. **Cons:** - Once the cover limit for a condition is reached, you cannot claim for it again. _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 7. Lifetime dog insurance Includes cover for long-term, chronic, or recurring conditions as well as short-term illness and injury, if the policy is renewed every year. **Best for:** Pet owners seeking comprehensive, ongoing coverage for chronic and recurring conditions. **Pros:** - Covers long-term, chronic, and recurring conditions. - Vet fee limit is reinstated each year upon renewal. _Source (verified): [https://www.animalfriends.co.uk/](https://www.animalfriends.co.uk/)_ ## 8. Basic 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. **Best for:** Pet owners looking for time-limited coverage for new accidents or illnesses. **Pros:** - Includes cover for dental care if teeth or gums are damaged in an accident. **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. _Source (verified): [https://www.morethan.com/pet-insurance/](https://www.morethan.com/pet-insurance/)_ ## 9. Classic 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. **Best for:** Pet owners who want a fixed amount of cover per condition without a time constraint. **Pros:** - No time limit for claiming on a condition. - Includes cover for dental care if teeth or gums are damaged in an accident. **Cons:** - Does not cover pre-existing conditions. - Does not cover spaying or neutering. - Does not cover pregnancy related claims. _Source (verified): [https://www.morethan.com/pet-insurance/](https://www.morethan.com/pet-insurance/)_ ## 10. Premier 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. **Best for:** Pet owners seeking comprehensive, ongoing coverage for chronic and recurring conditions with annual vet fee limit resets. **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. **Cons:** - Does not cover pre-existing conditions. - Does not cover spaying or neutering. - Does not cover pregnancy related claims. _Source (verified): [https://www.morethan.com/pet-insurance/](https://www.morethan.com/pet-insurance/)_ ## 11. PDSA ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/pet-insurance-comparison — citation with a link is allowed; bulk extraction/redistribution is prohibited._