What Is The Best Pet Insurance in 2022 (Updated)

How do we review which pet insurance policies get the best rating?

Moneyfacts’ expert team has spent the last 30 years providing 100% impartial and accurate information regarding a host of retail financial products. We take a whole market look at the pet insurance policies, collecting over 70 fields of information for each individual product before analyzing and comparing them to produce our ratings. As part of this process, we split cat and dog insurance policies so you can be assured that our Four and Five Star Ratings represent the best market choice for your beloved pet.

How does a star rating help me find the best pet insurance?

Moneyfacts is recognized by both customers and providers as the go-to place for accurate insight and impartial evaluation of pet insurance policies. The straight-forward five-star rating system is a simple and effective way for consumers to compare products and providers.

Only those pet insurance policies that deliver the best in terms of both features and benefits can expect to receive our Four and Five Star Ratings. Customers choosing from products that are awarded one of these ratings can be sure they are buying the best cover on the market.

What is the best pet insurance in 2022

What elements of the pet insurance policy do we look at?

The many factors we look at to determine star ratings include:

  • Maximum veterinary fees insured
  • Claims time limit
  • Total excess
  • Fees and charges
  • Discounts
  • Boarding fees cover
  • Death by accident and illness cover
  • Lost or stolen cover
  • Advertising and reward cover
  • Alternative treatments cover
  • Dental treatments cover
  • Hereditary conditions cover
  • Congenital conditions cover
  • Overseas vet fees
  • Quarantine costs
  • Special diet cover
  • Behavioral disorders cover
  • Accidental damage to third parties cover
  • Pet funeral/cremation cover
  • Third-party legal liability cover
  • Maximum age limits

Featured Pet Insurance Providers


Moneyfacts Star Rating: 5 Stars

  • Award-winning pet insurance provider, fighting for fair insurance for cats and dogs.
  • Tailored cover to suit your pet’s needs, including a choice of vet fees up to £15,000 and add-on cover options like dental illness.
  • Cover for pre-existing medical conditions* and no upper age limits – cover for cats and dogs from 4 weeks old.
  • Optional excess and bill share.
  • 24/7 unlimited access to video consultations with UK-based vet FirstVet.

Tesco Bank

Moneyfacts Star Rating: 5 Stars

  • Tesco Bank Pet Insurance offers a choice of cover levels to suit you and your pet’s needs.
  • Direct Vet payments are available
  • Spread the cost of your policy with no extra cost, if paying monthly by direct debit.
  • 24/7 unlimited, free telephone calls or video calls with Vetfone™ experts, provided by Vetsdirect Ltd, included with every policy.
  • No cancellation fee
  • Pets must be at least eight weeks old when cover starts and any pre-existing injuries and illnesses and certain breeds of cat and dog are not covered.
  • Tesco Bank Pet Insurance is arranged, administered, and underwritten by Royal & Sun Alliance Insurance Ltd.
  • A guaranteed discount for Clubcard members. All you need to do is tell us your Clubcard number when prompted.


Top 10 Car Insurance Companies in the UK Updated


Moneyfacts Star Rating: 5 Stars

  • Pet insurance policies for dogs, cats, and rabbits
  • 98% of claims paid*
  • Insure multiple pets for a multi-pet discount
  • Unlimited 24/7 access to UK vet nurses and vets with Petcall
  • Manage your policy online with the Pet Portal
  • Everypaw’s Lifetime cover has received a 5 Star Rating from independent financial business, Defaqto


  • Cover starts from 8 weeks old, up to £10,000 vets fees per annum
  • It Covers Reoccurring conditions & Dental
  • 24/7 video vet with 100% digital claims
  • Track claims in real-time with a personal claims handler
  • Online behavior and nutrition consultations
  • Supports a charity of your choosing
  • Payment for loss, theft, or death
  • Perks & discounts unique to your dog
Many Pets

Moneyfacts Star Rating: 5 Stars

We focus on pets and their health.

Our goal is to help your pet have a long happy life, so we offer more than insurance.
We set out to give pet owners the insurance they deserve.

✅ Up to £15,000 vet fee cover
✅ Voted Pet Insurance Provider Of 2021 at the Moneyfacts Consumer Awards
✅ No waiting period for claims if you switch to us
✅ Hassle-free claims
✅ FREE vet video calls 24/7, 50% off flea and worming treatment delivered to your door by VetBox, and a Free pet house sitters membership worth £99