nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we decide which pet insurance policies get the best rating?

Moneyfacts’ expert team have spent the last 30 years providing 100% impartial and accurate information regarding a host of retail financial products. We take a whole of market look at the pet insurance policies, collecting over 70 fields of information for each individual product before analysing and comparing them to produce our ratings. As part of this process, we split cat and dog insurance policies so you can be assured that our Four and Five Star Ratings represent the best in market choice for your beloved pet.

How does a star rating help me find the best pet insurance?

Moneyfacts is recognised by both customers and providers as the go-to place for accurate insight and impartial evaluation of pet insurance policies. The straight-forward five-star ratings system is a simple and effective way for consumers to compare products and providers.

Only those pet insurance policies that deliver the best in terms of both features and benefits can expect to receive our Four and Five Star Ratings. Customers choosing from products that are awarded one of these ratings can be sure they are buying the best cover on the market.

Provider

Key features

Find out more

Agria Pet Insurance

  • Lifetime Pet Insurance for dogs and cats with up to £12,500 vet fees cover
  • 97% Claims are paid, direct to your vet if you prefer
  • Rated Excellent on Trustpilot
  • Winner of Moneyfacts Consumer Award 2018 & 2019: Pet Insurance Provider of the Year
  • Winner of Moneyfacts Consumer Award 2018 & 2019: Best Claims Service

 

 

M&S Pet Insurance

  • 24 hour access to qualified nurses via vetfoneTM
  • Protect your dog or cat from just eight weeks old
  • 5% discount on additional pets
  • Pay by monthly instalments - at no extra cost

 

 

4paws

 

  • Different levels of cover to suit every budget.
  • 97% of our customers rates us good – excellent 4.6/5 From FEEFO customer review site.
  • Cover from 6 weeks old
  • UK based contact centre
  • 24/7 emergency claims line
  • 97% of all claims are paid 5 days on average

 

John Lewis Pet Insurance
 

  • Offers three levels of cover to suit a pet’s needs and customer’s budget 
  • Only offer Long Term Cover for complete peace of mind
  • There are no upper ages limits on our policies for vet fees and we can accept cats or dogs from eight weeks old
  • Provide up to £1,000 for advertising if the pet is lost or stolen
  • Premier Cover pets are entitled to up to £12,000 for vet fees each year they are covered with us.
  • For dogs, third party liability cover is offered if a dog causes an accident. Premier Cover offers up to £3 million worth of cover.

 

 

What elements of the pet insurance policy do we look at?

  • Maximum veterinary fees insured
  • Claims time limit
  • Total excess
  • Fees and charges
  • Discounts
  • Boarding fees cover
  • Death by accident and illness cover
  • Lost or stolen cover
  • Advertising and reward cover
  • Alternative treatments cover
  • Dental treatments cover
  • Euthanasia cover
  • Hereditary conditions cover
  • Congenital conditions cover
  • Overseas vet fees
  • Quarantine costs
  • Special diet cover
  • Behavioural disorders cover
  • Accidental damage to third parties cover
  • Pet funeral / cremation cover
  • Third-party legal liability cover
  • Maximum age limits.

 

Best cat insurance – Five Star

Cat Insurance - Five Star

  • 4Paws Pet Insurance - Life Plus
  • 4Paws Pet Insurance - Life Premium
  • Admiral - Premier Plus
  • Ageas - Extra
  • Ageas - Ultra
  • Agria Pet Insurance - Agria Lifetime
  • Agria Pet Insurance - Agria Lifetime Plus
  • Animal Friends - Prestige
  • Argos - Lifetime £7,000
  • ASDA Money - 12 Month £5,000
  • ASDA Money - Lifetime £10,000
  • ASDA Money - Lifetime £2,000
  • ASDA Money - Lifetime £4,000
  • Aviva - Platinum
  • Bought By Many - Complete
  • Bought By Many - Fixed for Life
  • Bought By Many - MoneyBack
  • Bought By Many - Pre-Existing
  • Bought By Many - Regular
  • Buddies - Premier Plus
  • Club Care Insurance - Life Plus
  • Club Care Insurance - Life Premium
  • Computer Quote - Ultimate Cover
  • Confidas - Pet Lux
  • Confidas - Pet Max
  • Debenhams - Elite
  • Direct Line - Advanced Cover
  • Direct Line - Select Premier Pet Insurance
  • Emerald Life - Emerald Level 3
  • Emerald Life - Emerald Level 4
  • Everypaw - Lifetime Everypaw £10k
  • Everypaw - Lifetime Everypaw £6k
  • Everypaw - Maximum Benefit Everypaw £5k
  • Geoffrey Insurance Services - Enhanced Lifetime
  • Geoffrey Insurance Services - Standard Lifetime
  • Healthy Pets Insurance - Gold
  • Healthy Pets Insurance - Premier
  • Helpucover - Premier
  • Insureyourpaws.co.uk - Lifetime
  • Insureyourpaws.co.uk - Maximum Benefit
  • John Lewis Insurance - Essential
  • John Lewis Insurance - Plus
  • John Lewis Insurance - Premier
  • Legal & General - 12 Month £5,000
  • Legal & General - Lifetime £10,000
  • Legal & General - Lifetime £2,000
  • Legal & General - Lifetime £4,000
  • LV= - Lifetime £10,000
  • LV= - Lifetime £3,000
  • LV= - Lifetime £5,000
  • LV= - Time Limited £1,500
  • LV= - Time Limited £2,500
  • M&S Bank - Premier
  • MiPet Cover - LifetimeFlex £10,000
  • MiPet Cover - LifetimeFlex £12,000
  • MiPet Cover - LifetimeFlex £4,000
  • MiPet Cover - LifetimeFlex £6,000
  • MiPet Cover - LifetimeFlex £8,000
  • MORE TH>N - Basic £3,000
  • MORE TH>N - Classic £4,000
  • MORE TH>N - Classic £8,000
  • MORE TH>N - Premier £12,000
  • MORE TH>N - Premier £4,000
  • NatWest - Premier Pet Insurance
  • NCI Pet Insurance - Life Plus
  • NCI Pet Insurance - Life Premium
  • PDSA - Ultimate
  • PDSA - Ultimate Plus
  • Petguard - Accident & Illness £12,000
  • Petguard - Accident & Illness £3,000
  • Petguard - Accident & Illness £6,000
  • Petplan - Classic
  • Petplan - Classic +
  • Petplan - Ultimate
  • Pets in a Pickle - Standard Lifetime
  • Pets in a Pickle - Ultimate Lifetime
  • PETtrac - Accident & Illness £12,000
  • PETtrac - Accident & Illness £3,000
  • PETtrac - Accident & Illness £6,000
  • Petwise - Gold
  • Petwise - Platinum
  • Petwise - Silver
  • Post Office Money - Premium Plus
  • Purely Pets - Lifetime Bronze
  • Purely Pets - Lifetime Gold
  • Purely Pets - Lifetime Silver
  • Royal Bank of Scotland - Premier Pet Insurance
  • RSPCA Pet Insurance - Gold
  • RSPCA Pet Insurance - Platinum
  • RSPCA Pet Insurance - Silver
  • Saga - Super
  • Sainsbury's Bank - Lifetime £2,500
  • Sainsbury's Bank - Lifetime £5,000
  • Sainsbury's Bank - Lifetime £7,500
  • Scratch & Patch - Premier Plus
  • Sterling Pet Solutions - Pet Insurance
  • Tesco Bank - Extra £4,000
  • Tesco Bank - Extra £7,500
  • Tesco Bank - Premier £10,000
  • Tesco Bank - Premier £4,000
  • Tesco Bank - Premier £7,500
  • Tesco Bank - Standard
  • The Insurance Emporium - Lifetime Bronze Monthly
  • The Insurance Emporium - Lifetime Gold Annual
  • The Insurance Emporium - Lifetime Gold Monthly
  • The Insurance Emporium - Lifetime Silver Annual
  • The Insurance Emporium - Lifetime Silver Monthly
  • The Insurance Emporium - Maximum Benefit Bronze Monthly
  • The Insurance Emporium - Maximum Benefit Gold Annual
  • The Insurance Emporium - Maximum Benefit Gold Monthly
  • The Insurance Emporium - Maximum Benefit Silver Annual
  • The Insurance Emporium - Maximum Benefit Silver Monthly
  • The Insurance Emporium - Time Limited Bronze Monthly
  • The Insurance Emporium - Time Limited Gold Annual
  • The Insurance Emporium - Time Limited Gold Monthly
  • The Insurance Emporium - Time Limited Silver Annual
  • The Insurance Emporium - Time Limited Silver Monthly
  • Vetsure - Premier
  • Vetsure - Premier Plus

 

Best cat insurance – Four Star

Cat Insurance - Four Star

  • 4Paws Pet Insurance - Maximum Benefit £7,000
  • AA - Gold
  • AA - Gold Plus
  • Admiral - Premier
  • Ageas - Classic
  • Animal Friends - Superior Plus
  • Argos - Lifetime £3,500
  • Argos - Time Limited £4,000
  • Aviva - Gold
  • Buddies - Premier
  • Club Care Insurance - Maximum Benefit £7,000
  • Computer Quote - Classic Cover
  • Co-op Insurance - Select Plus
  • Direct Line - Essential Cover
  • E&L - Diamond Lunar Monthly
  • Emerald Life - Emerald Level 2
  • Everypaw - Lifetime Everypaw £4k
  • Everypaw - Maximum Benefit Everypaw £3k
  • Healthy Pets Insurance - Silver
  • Leisure Guard - Lifetime Lunar Monthly
  • Leisure Guard - Lifetime Yearly
  • Leisure Guard - Standard Lunar Monthly
  • MiPet Cover - 365Flex £5,000
  • MiPet Cover - LifetimeFlex £2,000
  • MORE TH>N - Basic £1,500
  • NCI Pet Insurance - Maximum Benefit £7,000
  • PDSA - Advance Plus
  • Pet ID - Select Plus
  • Pet-insurance.co.uk - Lifetime Lunar Monthly
  • Pet-insurance.co.uk - Standard Lunar Monthly
  • Petplan - Essential
  • Pets in a Pickle - Essential Lifetime
  • Sainsbury's Bank - Time Limited £3,000
  • Scratch & Patch - Premier
  • The Insurance Emporium - Lifetime Bronze Annual
  • The Insurance Emporium - Maximum Benefit Bronze Annual
  • VetsMediCover - Diamond

Best dog insurance - Five Star

Dog Insurance - Five Star

  • 4Paws Pet Insurance - Life Plus
  • 4Paws Pet Insurance - Life Premium
  • 4Paws Pet Insurance - Maximum Benefit £7,000
  • Admiral - Premier Plus
  • Ageas - Extra
  • Ageas - Ultra
  • Agria Pet Insurance - Agria Lifetime
  • Agria Pet Insurance - Agria Lifetime Plus
  • Animal Friends - Prestige
  • Argos - Lifetime £7,000
  • ASDA Money - 12 Month £5,000
  • ASDA Money - Lifetime £10,000
  • ASDA Money - Lifetime £2,000
  • ASDA Money - Lifetime £4,000
  • Aviva - Platinum
  • Bought By Many - Complete
  • Bought By Many - Fixed for Life
  • Bought By Many - MoneyBack
  • Bought By Many - Pre-Existing
  • Bought By Many - Regular
  • Buddies - Premier Plus
  • Club Care Insurance - Life Plus
  • Club Care Insurance - Life Premium
  • Club Care Insurance - Maximum Benefit £7,000
  • Computer Quote - Ultimate Cover
  • Confidas - Pet Lux
  • Confidas - Pet Max
  • Debenhams - Elite
  • Direct Line - Advanced Cover
  • Direct Line - Select Premier Pet Insurance
  • Emerald Life - Emerald Level 4
  • Everypaw - Lifetime Everypaw £10k
  • Everypaw - Lifetime Everypaw £6k
  • Everypaw - Maximum Benefit Everypaw £5k
  • Geoffrey Insurance Services - Enhanced Lifetime
  • Geoffrey Insurance Services - Standard Lifetime
  • Healthy Pets Insurance - Gold
  • Healthy Pets Insurance - Premier
  • Insureyourpaws.co.uk - Lifetime
  • Insureyourpaws.co.uk - Maximum Benefit
  • John Lewis Insurance - Essential
  • John Lewis Insurance - Plus
  • John Lewis Insurance - Premier
  • Legal & General - 12 Month £5,000
  • Legal & General - Lifetime £10,000
  • Legal & General - Lifetime £2,000
  • Legal & General - Lifetime £4,000
  • LV= - Lifetime £10,000
  • LV= - Lifetime £3,000
  • LV= - Lifetime £5,000
  • LV= - Time Limited £2,500
  • M&S Bank - Premier
  • MiPet Cover - LifetimeFlex £10,000
  • MiPet Cover -LifetimeFlex £12,000
  • MiPet Cover - LifetimeFlex £4,000
  • MiPet Cover - LifetimeFlex £6,000
  • MiPet Cover - LifetimeFlex £8,000
  • MORE TH>N - Basic £3,000
  • MORE TH>N - Classic £4,000
  • MORE TH>N -Classic £8,000
  • MORE TH>N - Premier £12,000
  • MORE TH>N - Premier £4,000
  • NatWest - Premier Pet Insurance
  • NCI Pet Insurance - Life Plus
  • NCI Pet Insurance - Life Premium
  • NCI Pet Insurance - Maximum Benefit £7,000
  • PDSA - Ultimate
  • PDSA - Ultimate Plus
  • Petguard - Accident & Illness £12,000
  • Petguard - Accident & Illness £3,000
  • Petguard -Accident & Illness £6,000
  • Petplan - Classic +
  • Petplan - Ultimate
  • Pets in a Pickle - Standard Lifetime
  • Pets in a Pickle - Ultimate Lifetime
  • PETtrac - Accident & Illness £12,000
  • PETtrac - Accident & Illness £3,000
  • PETtrac - Accident & Illness £6,000
  • Petwise - Gold
  • Petwise - Platinum
  • Post Office Money - Premium Plus
  • Purely Pets - Lifetime Bronze
  • Purely Pets - Lifetime Gold
  • Purely Pets - Lifetime Silver
  • Royal Bank of Scotland - Premier Pet Insurance
  • RSPCA Pet Insurance - Gold
  • RSPCA Pet Insurance - Platinum
  • RSPCA Pet Insurance - Silver
  • Saga - Super
  • Sainsbury's Bank - Lifetime £2,500
  • Sainsbury's Bank - Lifetime £5,000
  • Sainsbury's Bank - Lifetime £7,500
  • Scratch & Patch - Premier Plus
  • Sterling Pet Solutions - Pet Insurance
  • Tesco Bank - Extra £4,000
  • Tesco Bank - Extra £7,500
  • Tesco Bank - Premier £10,000
  • Tesco Bank - Premier £4,000
  • Tesco Bank - Premier £7,500
  • Tesco Bank - Standard
  • The Insurance Emporium - Lifetime Bronze Monthly
  • The Insurance Emporium - Lifetime Gold Annual
  • The Insurance Emporium - Lifetime Gold Monthly
  • The Insurance Emporium - Lifetime Silver Annual
  • The Insurance Emporium - Lifetime Silver Monthly
  • The Insurance Emporium - Maximum Benefit Bronze Monthly
  • The Insurance Emporium - Maximum Benefit Gold Annual
  • The Insurance Emporium - Maximum Benefit Gold Monthly
  • The Insurance Emporium - Maximum Benefit Silver Annual
  • The Insurance Emporium - Maximum Benefit Silver Monthly
  • The Insurance Emporium - Time Limited Bronze Monthly
  • The Insurance Emporium - Time Limited Gold Annual
  • The Insurance Emporium - Time Limited Gold Monthly
  • The Insurance Emporium - Time Limited Silver Annual
  • The Insurance Emporium - Time Limited Silver Monthly
  • The Kennel Club - Kennel Club Lifetime
  • The Kennel Club - Kennel Club Lifetime Plus
  • Vetsure - Premier
  • Vetsure - Premier Plus

Best dog insurance - Four Star

Dog insurance - Four Star

  • AA - Gold
  • AA - Gold Plus
  • Admiral - Premier
  • Ageas - Classic
  • Animal Friends - Max Extra
  • Animal Friends - Superior Plus
  • Argos - Lifetime £3,500
  • Argos - Time Limited £4,000
  • Aviva - Gold
  • Buddies - Premier
  • Computer Quote - Classic Cover
  • Co-op Insurance - Select Plus
  • Direct Line - Essential Cover
  • E&L - Diamond Lunar Monthly
  • Emerald Life - Emerald Level 3
  • Everypaw - Lifetime Everypaw £4k
  • Everypaw - Maximum Benefit Everypaw £3k
  • Helpucover - Premier
  • Leisure Guard - Lifetime Lunar Monthly
  • Leisure Guard - Lifetime Yearly
  • LV= - Time Limited £1,500
  • MiPet Cover - 365Flex £5,000
  • MiPet Cover - LifetimeFlex £2,000
  • MORE TH>N - Basic £1,500
  • PDSA - Advance Plus
  • Pet ID - Select Plus
  • Pet-insurance.co.uk - Lifetime Lunar Monthly
  • Pet-insurance.co.uk - Standard Lunar Monthly
  • Petplan - Essential
  • Pets in a Pickle - Essential Lifetime
  • Petwise - Silver
  • Sainsbury's Bank - Time Limited £3,000
  • Scratch & Patch - Premier
  • The Insurance Emporium - Lifetime Bronze Annual
  • The Insurance Emporium - Maximum Benefit Bronze Annual
  • VetsMediCover - Diamond

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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