Start your search for a quality dog insurance policy by looking at Fairer Finance's 2020 product ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
Our unique product ratings are designed to help you choose a quality insurance policy. We rate policies on the key features that are most important for the majority of customers.
We focus on core cover features, and don’t give extra marks for unnecessary bells and whistles. We also only give marks to features that are included as standard - not optional extras.
Please bear in mind we don’t rate by price and our ratings are not advice. You should do your own research to find cover that best suits your needs.
In order to achieve a 5 star rating, a dog insurance policy must:
- Offer more than £4,000 of cover for vet fees per condition for dogs, and £2,500 for cats.
- Cover preexisting conditions if the policy is renewed.
- Offer more than £500 of cover for dental treatment if your pet is in an accident.
- Offer more than £4,000 of cover if your pet damages their cruciate ligament.
- Provide at least £1,000 of cover for CT or MRI scans.
- Offer more than £100 for prescription diets.
- Provide at least £100 of cover if your pet has to be put down.
- Also offer at least £100 to cover the cost of getting your pet cremated.
- Offer more than £500 for complementary treatment - such as physiotherapy.
- Offer at least £1,000 of cover should your pet go missing or be stolen.
- Have a compulsory excess - an excess that isn't voluntary - that doesn't change until the pet is at least 8 years old.
- Only add a co-payment option of 15% of less when the pet reaches a certain age. A co-payment is when you will pay a certain amount of the vet fees as well as your normal excess.
- Cover any injuries your pet has within 3 days of taking out the policy.
- Cover any illnesses your pet has within 14 days of taking out the policy.
- Offer at least £1,000 of cover should your pet die because of an accident or illness.
- Offer cover should your pet die until the pet is at least 8 years old.
- Cover the price your paid for your pet if your pet dies.
- Have a cancellation fee of £10 or less.
- Charge £10 or less if you need to make a change to your policy - such as changing address.
- Offer at least £1,000,000 of cover for any third party liability (for dogs only).
- Have an excess of £250 or less for any third party liability claims (for dogs only)
Some of the companies in our tables are brokers, which means they sell one or more insurers' policies through their own business.
Take a look in the policy document you receive to find out who the insurer is.