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Healthy Pets Insurance

Healthy Pets Insurance is an internet-based pet insurance provider offering cover for pets such as cats, dogs, and rabbits.

Healthy Pets Insurance also offers cover for a range of exotic pets, such as parrots, reptiles and tortoises.

Based in Hampshire it was founded in 1996 by Mark Effenberg, who is still the Chief Exec today.

Its insurance is underwritten by Cranbrook Underwriting, a new underwriting business that provides specialist insurance products such as livestock and super yacht insurance.

Healthy Pets Insurance

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Pet insurance

Ranked 27^th of 35 providers reviewed.

Customer happiness score	53.48%
Customer trust score	54.12%
Complaints performance	61.96%
Transparency rating	73.84%
Fairer Finance score Reviewed Autumn 2023	61%

Pet insurance

Cat insurance

Healthy Pets Insurance

Max benefit £7,500

Medical excess i	£125.00
Type of cover i	Maximum benefit, policy
Medical cover limit i	£7,500.00
Age when compulsory excess rises i	6 years
Annual policy limit i
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	£7,500.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£7,500.00
Cruciate ligament damage i	£1,500.00
CT scans i	£1,875.00
MRI scans i	£1,875.00
Prescribed food i	£100.00
Complementary treatment i	£750.00
Boarding fees limit i	£1,000.00
Death benefit (illness) i	£1,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£2,000.00
Holiday cover i	£7,500.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	365 days

Healthy Pets Insurance

Lifetime £4,250

Medical excess i	£125.00
Type of cover i	Lifetime, other
Medical cover limit i	£4,250.00
Age when compulsory excess rises i	6 years
Annual policy limit i	£4,250.00
Cancellation fee i	£0.00
Annual condition limit i	£3,250.00
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i	Unlimited
Dental cover (if due to an accident) i	£4,250.00
Cruciate ligament damage i	£1,500.00
CT scans i	£1,875.00
MRI scans i	£1,875.00
Prescribed food i	£100.00
Complementary treatment i	£750.00
Boarding fees limit i	£1,000.00
Death benefit (illness) i	£1,000.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£2,000.00
Holiday cover i	£4,250.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	180 days

Healthy Pets Insurance

Max benefit £4,250

Medical excess i	£125.00
Type of cover i	Maximum benefit, policy
Medical cover limit i	£4,250.00
Age when compulsory excess rises i	6 years
Annual policy limit i
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	£4,250.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£4,520.00
Cruciate ligament damage i	£1,500.00
CT scans i	£875.00
MRI scans i	£875.00
Prescribed food i	£100.00
Complementary treatment i	£500.00
Boarding fees limit i	£500.00
Death benefit (illness) i	£500.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£500.00
Holiday cover i	£4,250.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	30 days

Healthy Pets Insurance

Lifetime £2,000

Medical excess i	£125.00
Type of cover i	Lifetime, other
Medical cover limit i	£2,000.00
Age when compulsory excess rises i	6 years
Annual policy limit i	£2,000.00
Cancellation fee i	£0.00
Annual condition limit i	£1,000.00
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i	Unlimited
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£875.00
MRI scans i	£875.00
Prescribed food i	£100.00
Complementary treatment i	£500.00
Boarding fees limit i	£500.00
Death benefit (illness) i	£500.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£500.00
Holiday cover i	£2,000.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	30 days

Healthy Pets Insurance

Accident Only

Medical excess i	£125.00
Type of cover i	Accident-only
Medical cover limit i	£1,000.00
Age when compulsory excess rises i	6 years
Annual policy limit i	Unlimited
Cancellation fee i	£0.00
Annual condition limit i	£1,000.00
Amendment fee i	£0.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i	£0.00
Cruciate ligament damage i	£500.00
CT scans i	£0.00
MRI scans i	£0.00
Prescribed food i	£0.00
Complementary treatment i	£400.00
Boarding fees limit i	£0.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£0.00
Holiday cover i	£0.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i

Healthy Pets Insurance

Max benefit £1,000

Medical excess i	£125.00
Type of cover i	Maximum benefit, policy
Medical cover limit i	£1,000.00
Age when compulsory excess rises i	6 years
Annual policy limit i
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	£1,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£500.00
MRI scans i	£500.00
Prescribed food i	£100.00
Complementary treatment i	£400.00
Boarding fees limit i	£0.00
Death benefit (illness) i	£0.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£0.00
Holiday cover i	£1,000.00
Quarantine costs cover i	£0.00
Loss of PETS passport or other travel documents i	£0.00
Emergency expenses abroad i	£0.00
Maximum number of days abroad i	30 days

Dog insurance

Healthy Pets Insurance

Max benefit £7,500

Type of cover i	Maximum benefit, policy
Medical cover limit i	£7,500.00
Medical excess i	£125.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i	£7,500.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£7,500.00
Cruciate ligament damage i	£1,500.00
CT scans i	£1,875.00
MRI scans i	£1,875.00
Prescribed food i	£100.00
Complementary treatment i	£750.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£7,500.00

Healthy Pets Insurance

Lifetime £4,250

Type of cover i	Lifetime, other
Medical cover limit i	£4,250.00
Medical excess i	£125.00
Annual policy limit i	£4,250.00
Annual condition limit i	£3,250.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i	Unlimited
Dental cover (if due to an accident) i	£4,250.00
Cruciate ligament damage i	£1,500.00
CT scans i	£1,875.00
MRI scans i	£1,875.00
Prescribed food i	£100.00
Complementary treatment i	£750.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£2,000.00
Holiday cover i	£4,250.00

Healthy Pets Insurance

Max benefit £4,250

Type of cover i	Maximum benefit, policy
Medical cover limit i	£4,250.00
Medical excess i	£125.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i	£4,250.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£4,520.00
Cruciate ligament damage i	£1,500.00
CT scans i	£875.00
MRI scans i	£875.00
Prescribed food i	£100.00
Complementary treatment i	£500.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£500.00
Holiday cover i	£4,250.00

Healthy Pets Insurance

Lifetime £2,000

Type of cover i	Lifetime, other
Medical cover limit i	£2,000.00
Medical excess i	£125.00
Annual policy limit i	£2,000.00
Annual condition limit i	£1,000.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i	Unlimited
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£875.00
MRI scans i	£875.00
Prescribed food i	£100.00
Complementary treatment i	£500.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£500.00
Holiday cover i	£2,000.00

Healthy Pets Insurance

Max benefit £1,000

Type of cover i	Maximum benefit, policy
Medical cover limit i	£1,000.00
Medical excess i	£125.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i	£1,000.00
Lifetime condition limit i
Dental cover (if due to an accident) i	£1,000.00
Cruciate ligament damage i	£1,000.00
CT scans i	£500.00
MRI scans i	£500.00
Prescribed food i	£100.00
Complementary treatment i	£400.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£0.00
Holiday cover i	£1,000.00

Healthy Pets Insurance

Accident Only

Type of cover i	Accident-only
Medical cover limit i	£1,000.00
Medical excess i	£125.00
Annual policy limit i	Unlimited
Annual condition limit i	£1,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i	£0.00
Cruciate ligament damage i	£500.00
CT scans i	£0.00
MRI scans i	£0.00
Prescribed food i	£0.00
Complementary treatment i	£400.00
Euthanasia cover limit i	£0.00
Cremation i	£0.00
If renewed, are existing conditions covered? i
Age when compulsory excess rises i	6 years
Amendment fee i	£0.00
Holiday cancellation i	£0.00
Holiday cover i	£0.00

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