Pet Insurance Calculator

Estimate pet insurance premiums for dogs and cats by age, breed and cover level.

Last updated: April 2026 · Source: FCA — Pet insurance

Estimated Monthly Premium

£42.00

£504.00/year

Lifetime

Annual limit, resets each year

Vet fee limit: £12,000+

Indicative premiums only — actual costs vary by provider, breed, location and medical history.

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

Pet insurance in the UK covers veterinary treatment costs if your pet becomes ill or is injured. There are four main policy types: accident only (cheapest, covers injuries only), time-limited (covers each condition for 12 months), maximum benefit (covers each condition up to a set amount with no time limit), and lifetime (the most comprehensive, renewing the benefit limit each year).

Premiums are determined by your pet's breed, age, location and the cover level chosen. Certain breeds are significantly more expensive to insure due to hereditary conditions: French Bulldogs, Cavalier King Charles Spaniels and purebred cats like Bengals often attract higher premiums. Average annual premiums range from £200-£400 for dogs and £150-£300 for cats.

Lifetime policies are generally recommended as they provide ongoing cover for chronic conditions such as diabetes, arthritis and allergies. Excess is usually a combination of a fixed amount (£75-£250) plus a percentage co-payment (10-20%), which increases as pets get older.

Example: Labrador Retriever, age 3, lifetime cover

  1. Breed: Labrador Retriever (medium risk)
  2. Annual vet fee limit: £7,000
  3. Fixed excess: £100 per claim
  4. Co-payment: 0% (under age 8)
  5. Estimated annual premium: £350-£500
  6. Monthly cost: £29-£42

Source: FCA — Pet insurance

Frequently Asked Questions

What does the Pet Insurance Calculator do?
Estimate pet insurance premiums for dogs and cats by age, breed and cover level. All calculations are performed in your browser using official UK rates and thresholds.
Are these actual quotes?
No. This calculator provides estimates based on typical UK insurance factors. Actual premiums depend on your specific circumstances. Always compare quotes from multiple insurers.
Is insurance required by law?
Some insurance is legally required in the UK — such as motor insurance, employers' liability insurance and buildings insurance (if you have a mortgage). Other types are optional but strongly recommended.