🇬🇧 United Kingdom · GBP

Is pet insurance worth it for your dog?

Ninety seconds. Your breed, your city, your emergency fund. We show the worst bill you are exposed to and whether premiums beat paying cash.

Breed-aware, city-priced

Why breed matters

Two dogs, same city, very different risk

A French Bulldog carries roughly double the expected vet spend of a mixed-breed of the same size, because of airway, spine and skin issues. Our breed pages show the conditions and typical bills behind each risk score. Browse breeds →

Next step

Get a real quote

ManyPets

Lifetime cover without age penalties

Lifetime cover up to £15,000 a year, no co-payments for older dogs on core plans.

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Petplan

Ongoing conditions

The UK's biggest pet insurer; Covered For Life plans renew cover for ongoing conditions every year.

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Agria

Puppies and pedigree dogs

Lifetime policies with high vet-fee limits and free 5-week puppy cover through breeders.

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Animal Friends

Budget lifetime cover

Lower-cost lifetime and time-limited plans; donates profits to animal charities.

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Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.

FAQ

How this works

How does the calculator decide?

It compares the worst single bill your breed is likely to face at your city's prices against your emergency fund, then weighs expected payouts against lifetime premiums.

Where do the premiums come from?

Published starter premiums for each breed size, adjusted by city price index and age. Real quotes vary; treat this as a range.

Should I buy before symptoms appear?

Yes. Every insurer excludes pre-existing conditions, so the value of a policy is highest the day you bring the dog home.