How to get cheap pet insurance

Owning a pet is one of life’s greatest joys, but vet bills can catch you off guard. If you’re looking to save money, here are four easy ways to find cheap pet insurance. This guide will help you protect your furry friend without spending more than you need to!

Jump to:

• Compare policies to find the best fit
• Choose only what you need
• Adjust your excess to save
• Look out for extra savings

1. Compare policies to find the best fit

If you’re after affordable pet insurance, start by shopping around. Different insurers offer different plans, so it’s worth checking comparison sites or getting a few quotes.

Look at:

• Monthly costs
• What’s covered and what’s not
• Exclusions and limits on claims

Some policies only cover accidents, while others include illnesses too. Focus on comparing similar plans and skip extras you don’t need.

Want to learn more about typical costs? Check out our blog, how much does dog insurance cost?

Quick tip: Stick to the basics if you’re on a budget. A policy that covers unexpected vet bills without extra features (like routine care) will cost less while still giving you peace of mind.

2. Choose only what you need

Many pet owners pay higher premiums for features they rarely use. Extras like dental work, vaccinations, or alternative treatments can all bump up the price. Instead, focus on the essentials. This way, you’ll save money but still have protection when it matters most.

Essentials to look for:

• Emergency vet bills
• Surgery and treatments after an accident
• Hospital stays for your pet

Skipping unnecessary add-ons like wellness extras can lower your premiums.

3. Adjust your excess to save

Choosing a higher excess – the amount you pay before your insurance kicks in – can reduce your monthly payments. Just make sure the excess is something you can afford if you do need to make a claim.

For example, if you set your excess at £100 and your pet needs surgery costing £500, you’ll pay the first £100 and your insurance covers the rest. It’s a great way to save, but be prepared for a higher upfront cost if something happens.

4. Look for extra savings

Many insurers offer discounts that can help you save even more. Keep an eye out for:

• Discounts for insuring more than one pet
• Special offers for new customers
• Loyalty savings for long-term policies
• Savings for paying annually instead of monthly or fortnightly.
• Seasonal deals! Some insurers run promotions at certain times of the year, like waiving fees or offering lower prices. If you can wait, Black Friday deals, New Year sales, or end-of-financial-year offers could help you save big.

Check out CoverMy Pet

Cheap pet insurance doesn’t mean cutting corners. By comparing plans, choosing only what you need, increasing your excess responsibly, and looking for discounts, you can protect your pet without the stress.

At CoverMy Pet, we know how important affordable pet insurance is for families. That’s why we keep things simple with three easy levels of cover. Here’s what we offer:

• No confusion: Straightforward, essential cover for vet bills for accidents, injuries and illnesses, and more.
• Affordable plans: We’ve got options to suit every budget.
• Easy signup: Get a quote online in minutes or chat with our friendly team for help.

With CoverMy Pet, it’s easy to get peace of mind without breaking the bank. Get a quote today and take the first step to affordable protection for your furry friend!