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.

Our customer experience ratings
Our product ratings

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

18 products reviewed

Cat insurance

9 products reviewed

Lifetime select plus £4,000
Lifetime select £7,000
Lifetime select plus £7,000
Max benefit £7,500
Lifetime select £4,000
Max benefit £4,250
Lifetime select £2,000
Lifetime select plus £2,000
Max benefit £1,000

Healthy Pets Insurance

Lifetime select plus £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Lifetime select £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Lifetime select plus £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £7,500

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£7,500.00

Healthy Pets Insurance

Lifetime select £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £4,250

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,250.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,250.00

Healthy Pets Insurance

Lifetime select £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Lifetime select plus £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £1,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£1,000.00

Dog insurance

9 products reviewed

Lifetime select plus £7,000
Lifetime select plus £4,000
Lifetime select £7,000
Max benefit £7,500
Lifetime select £4,000
Max benefit £4,250
Lifetime select plus £2,000
Max benefit £1,000
Lifetime select £2,000

Healthy Pets Insurance

Lifetime select plus £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Lifetime select plus £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Lifetime select £7,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£7,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£7,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £7,500

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£7,500.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£7,500.00

Healthy Pets Insurance

Lifetime select £4,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £4,250

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,250.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,250.00

Healthy Pets Insurance

Lifetime select plus £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Healthy Pets Insurance

Max benefit £1,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£1,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£1,000.00

Healthy Pets Insurance

Lifetime select £2,000

Feature	Value
Medical excess	£99.00
Type of cover	Lifetime, annual
Medical cover limit	£2,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£2,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Pet insurance

Ranked 22nd of 29 providers reviewed

Customer happiness score	55.22%
Customer trust score	51.07%
Complaints performance	77%
Transparency rating	73.74%
Fairer Finance Score Reviewed Autumn 2026	64.26%

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Healthy Pets Insurance

Pet insurance

Cat insurance

Healthy Pets Insurance

Lifetime select plus £4,000

Healthy Pets Insurance

Lifetime select £7,000

Healthy Pets Insurance

Lifetime select plus £7,000

Healthy Pets Insurance

Max benefit £7,500

Healthy Pets Insurance

Lifetime select £4,000

Healthy Pets Insurance

Max benefit £4,250

Healthy Pets Insurance

Lifetime select £2,000

Healthy Pets Insurance

Lifetime select plus £2,000

Healthy Pets Insurance

Max benefit £1,000

Dog insurance

Healthy Pets Insurance

Lifetime select plus £7,000

Healthy Pets Insurance

Lifetime select plus £4,000

Healthy Pets Insurance

Lifetime select £7,000

Healthy Pets Insurance

Max benefit £7,500

Healthy Pets Insurance

Lifetime select £4,000

Healthy Pets Insurance

Max benefit £4,250

Healthy Pets Insurance

Lifetime select plus £2,000

Healthy Pets Insurance

Max benefit £1,000

Healthy Pets Insurance

Lifetime select £2,000

Pet insurance