Best Pet Travel Insurance for UK: Top Providers

Travelling with your dog can be an adventure, but it comes with its own set of challenges. Whether it’s unexpected vet bills or lost pet passports, things can quickly go awry. That’s where pet travel insurance comes in—offering peace of mind so you can focus on enjoying your trip.

From health emergencies to the costs of cancelling a holiday, the risks of travelling with a dog are as varied as they are unpredictable. This blog post highlights the best pet travel insurance providers in the UK, ensuring you and your furry friend are well-covered for your next journey.

pet travel insurance

Pet travel insurance is a specialised policy designed to cover your pet during trips away from home. It provides financial protection against unexpected events, ensuring your pet receives the care they need while you’re travelling.

Key Features to Look For

When choosing pet travel insurance, keep an eye out for these essential features:

  • Emergency Veterinary Cover: Covers the cost of unexpected medical treatments while travelling.
  • Cancellation and Curtailment: Reimburses costs if you need to cancel or cut short your trip due to a pet-related emergency.
  • Lost Pet Cover: Provides assistance and financial support if your pet goes missing abroad.
  • Quarantine Costs: Covers the expenses if your pet needs to be quarantined due to illness or missing vaccinations.

Common Exclusions and Limitations

Be aware of what your policy might not cover:

  • Pre-Existing Conditions: Many insurers exclude pre-existing medical conditions from coverage.
  • Age Limits: Some policies may not cover older pets or have restrictions based on age.
  • Breed Restrictions: Certain breeds may not be covered or could have higher premiums.
  • Travel Destinations: Coverage might be limited to specific countries or regions, so check your policy before booking.

6 Best Pet Travel Insurance for UK

pet travel insurance UK

Understanding the insurance coverage options ensures you’re well-prepared for any situation that might arise during your travels with dog.  

Petguard is a well-regarded provider of pet insurance in the UK, known for its comprehensive coverage tailored to the needs of pet owners. The company offers various plans, each designed to cover different aspects of pet care, from routine check-ups to emergency treatments. For dog owners, Petguard provides a solid mix of protection, especially for those who travel frequently with their pets.

Specific Benefits for Dog Owners

Petguard’s insurance plans come with several benefits that make them a popular choice among dog owners:

Cons:

Customer Testimonial and Rating

John W.
(Trustpilot)
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"Petguard made our European trip with our dog stress-free. Their customer service was fantastic, and they handled our claim quickly when our dog needed emergency care. I highly recommend them to any pet owner who travels!"
Emma L.
(Reviews.co.uk)
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"We chose Petguard for its comprehensive coverage, especially for travel within Europe. Thankfully, we didn’t need to use it, but knowing we had quarantine cover was a huge relief. The only downside was the slightly higher premium for our older dog."
Sarah M.
(Trustpilot)
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"I can’t thank Petguard enough. When our dog went missing on holiday, they were incredibly supportive and covered all the costs to get him back. Their lost pet service is excellent!"
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Agria Pet Insurance offers a range of travel insurance options tailored specifically for pets. Their policies are designed to provide comprehensive coverage for dogs travelling abroad. Agria focuses on ensuring that your pet’s health and well-being are protected no matter where your adventures take you.

Agria’s travel insurance policies include:

  • Emergency Veterinary Expenses: Covers the cost of unexpected medical treatments while abroad.
  • Travel Disruption: Reimburses you for costs incurred due to delays or cancellations related to your pet’s health.
  • Lost Pet Cover: Provides financial assistance and support if your dog goes missing during your travels.
  • Quarantine Costs: Includes coverage for quarantine expenses if required.

Unique Features for Dog Owners

Agria’s policies offer several unique features that cater specifically to dog owners:

Cons:

Customer Testimonials and Ratings

Linda K.
(Trustpilot)
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"Agria’s pet travel insurance was a lifesaver on our trip to Australia. The emergency cover was comprehensive and their customer service was responsive and helpful. Highly recommended for global travel!"
Tom H.
(Reviews.co.uk)
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"We were impressed with Agria’s coverage during our European holiday. Their lost pet assistance was particularly useful when our dog went missing for a short time. However, the premium was a bit high for our older dog."
Sophie R.
(Pet Insurance Review)
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"Agria provided excellent support and coverage for our recent trip. The high emergency cover limits gave us peace of mind, and their global reach is unmatched. The only downside was the exclusion of pre-existing conditions."
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Petplan is one of the UK’s leading pet insurance providers, boasting a solid reputation for reliability and comprehensive coverage. Established over 40 years ago, Petplan has become a trusted name in the pet insurance industry, known for its extensive experience and customer-focused service. The company is highly regarded for its straightforward claims process and commitment to providing quality insurance tailored to the needs of pet owners. 

Petplan offers a range of pet travel insurance options designed to ensure that your dog is protected while you’re on the move. Their policies include:

  • Emergency Veterinary Expenses: Covers unforeseen medical costs if your dog needs treatment while abroad.
  • Travel Disruption: Reimburses you for expenses related to travel delays or cancellations caused by your pet’s health issues.
  • Lost Pet Assistance: Provides financial support and resources to help locate your pet if they go missing during your travels.
  • Quarantine Costs: Includes coverage for quarantine fees if required due to health issues or missing vaccinations.

Unique Features for Dog Owners

Petplan’s insurance policies offer several features tailored specifically to dog owners:

Cons:

Customer Testimonials and Ratings

Jessica T.
(Trustpilot)
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"Petplan has been fantastic for our family. Their travel insurance gave us peace of mind on our recent trip to Canada. The emergency cover was excellent, and their customer service was top-notch."
Mark W.
(Reviews.co.uk)
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"We were very happy with Petplan’s travel insurance for our European holiday. The lost pet assistance was incredibly helpful when our dog went missing for a short period. The only minor downside was the cost for older pets."
Anna L.
(Pet Insurance Review)
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"Petplan’s insurance was a lifesaver during our recent trip. The high coverage limits and global reach were exactly what we needed. The 24/7 helpline was especially useful. Just be aware of the limitations for older dogs."
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The Kennel Club, renowned for its commitment to promoting responsible dog ownership, offers a range of pet insurance options through its partner, Petplan. Their policies are designed to provide comprehensive coverage for dogs, ensuring that both routine and unexpected costs are well-covered.

The Kennel Club’s insurance plans typically include:

  • Emergency Veterinary Costs: Covers the expenses of unexpected medical treatment if your dog falls ill or gets injured.
  • Lifetime Cover: Provides ongoing support for chronic conditions, with coverage limits renewing each year.
  • Accident and Illness Cover: Includes protection against a wide range of accidents and illnesses, ensuring comprehensive care.
  • Third-Party Liability: Offers protection if your dog causes injury or damage to other people or property.

Unique Features for Dog Owners

The Kennel Club’s insurance plans offer several distinctive features tailored specifically for dog owners:

Cons:

Customer Testimonials and Ratings

Charlotte B.
(Trustpilot)
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"The Kennel Club insurance has been great for our Labrador. The lifetime cover has been a lifesaver for managing his ongoing health issues. The claims process was straightforward and their customer service was excellent."
David H.
(Reviews.co.uk)
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"We’ve been very satisfied with The Kennel Club’s insurance. The high veterinary fee limits and third-party liability cover are standout features. My only concern is the higher premium for older dogs, but overall, it’s been a good experience."
Emily R.
(Pet Insurance Review)
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"The Kennel Club’s pet insurance provided fantastic coverage for our recent emergency. The lifetime cover option gave us peace of mind knowing that chronic conditions are covered. The only downside is the lack of cover for pre-existing conditions."   
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ManyPets, formerly known as Bought By Many, has quickly established itself as a modern and innovative pet insurance provider. The company prides itself on offering flexible, transparent, and customer-focused insurance options. Their approach is built around the idea that pet insurance should be straightforward, accessible, and tailored to the needs of pet owners.

ManyPets differentiates itself with a commitment to simplicity and clarity, aiming to provide pet insurance that’s easy to understand and even easier to manage. Their policies are designed to adapt to the evolving needs of pets and their owners, making them a standout choice in the pet insurance market.

Unique Features for Dog Owners

ManyPets offers several distinctive features that cater specifically to dog owners:

Cons:

Customer Testimonials and Ratings

Rachel G.
(Trustpilot)
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"ManyPets has been fantastic for our Golden Retriever. The lifetime cover option has given us peace of mind for her ongoing health issues. The claims process is straightforward, and their customer service is responsive and helpful."
James T.
(Reviews.co.uk)
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"We’ve been impressed with ManyPets’ insurance. The high vet fee limits and flexible plans are excellent features. The only minor issue has been the cost for our older dog, but overall, it’s been a positive experience."
Olivia S.
(Pet Insurance Review)
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"The coverage provided by ManyPets is top-notch. The 24/7 vet advice line is a huge plus, and the app makes managing everything so easy. The lack of cover for pre-existing conditions is a downside, but the benefits outweigh this limitation."
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Napo Pet Insurance is a relatively new entrant in the pet insurance market, quickly gaining recognition for its customer-centric approach and comprehensive coverage options. Napo’s mission is to provide transparent, straightforward, and reliable insurance that meets the diverse needs of pet owners. They aim to simplify the insurance process, ensuring pet owners understand exactly what they’re getting without any hidden surprises. Their policies are designed to offer extensive cover, catering to both everyday needs and unexpected emergencies.

Unique Features for Dog Owners

Napo Pet Insurance stands out with several features tailored specifically for dog owners:

Cons:

Customer Testimonials and Ratings

Sarah M.
(Trustpilot)
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"Napo has been a lifesaver for us. Our Labrador had an unexpected surgery, and the claims process was seamless. Their customer service is top-notch, and we appreciate the preventative care cover."
John P.
(Reviews.co.uk)
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"We switched to Napo because of their no upper age limit policy. Our senior dog is finally covered without astronomical premiums. The multi-pet discount is a great bonus!"
Emma R.
(Pet Insurance Review)
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"Napo's all-inclusive policy is fantastic. From dental treatments to behavioural therapy, they cover it all. The flexibility in payment plans has been really helpful for budgeting."
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A Head-to-Head Comparison of the UK's Best Pet Travel Insurance Providers

best pet travel insurance UK

Here’s a comparison table for pet travel insurance providers: PetGuard, Agria, PetPlan, The Kennel Club, ManyPets, and Napo Pet Care.

Provider Coverage Options Pricing Analysis and Value for Money Recommendations Based on Specific Needs
- Emergency vet expenses up to £1,500
- Quarantine cover up to £2,000
- Lost pet cover
- Travel disruption cover
- Competitive premiums for comprehensive European cover
- Higher for older pets
- Best for European travel
- Good for extensive quarantine cover
- Worldwide emergency vet cover
- Lost pet assistance
- Travel disruption cover
- Quarantine costs
- Higher premiums for global coverage
- Good value for extensive cover
- Ideal for international travellers
- Strong support for lost pets
- Emergency vet expenses
- Third-party liability
- Lifetime cover
- Worldwide travel cover
- Generally higher premiums
- Good value for high limits and global coverage
- Excellent for those needing extensive global cover
- Strong lifetime cover
- Lifetime cover for chronic conditions
- High vet fee limits
- Third-party liability
- Worldwide cover
- Premiums may be high for older pets
- Good value for lifetime cover and high limits
- Suitable for long-term health needs
- Good for global travel and third-party liability
- Lifetime cover
- High vet fee limits
- Flexible plans
- 24/7 vet advice line
- Flexible pricing based on cover levels
- Generally competitive for flexible plans
- Best for flexible and modern insurance needs
- Ideal for those needing high vet fee limits and 24/7 advice

Factors to Consider When Selecting a Pet Travel Insurance Policy

When choosing the right pet travel insurance, consider the following key factors:

  1. Coverage Scope: Ensure the policy covers emergency veterinary expenses, lost pet assistance, and travel disruption. Check if it includes quarantine costs and third-party liability, especially for international trips.
  2. Geographic Coverage: Determine whether the policy covers travel within Europe, worldwide, or specific regions. Choose based on your travel destinations.
  3. Policy Limits: Look at the limits for veterinary fees and other coverages. Higher limits are beneficial for more expensive treatments and emergencies.
  4. Exclusions and Limitations: Be aware of what isn’t covered, such as pre-existing conditions or certain breeds. Make sure the policy fits your pet’s health and travel needs.
  5. Premiums and Deductibles: Compare the cost of premiums and deductibles. Balance the premium against the coverage provided to ensure you’re getting value for money.

Importance of Reading the Fine Print

Reading the fine print is crucial for understanding what your policy covers and doesn’t cover. Here’s why it matters:

  • Avoid Surprises: Fine print reveals exclusions and limitations that might not be immediately obvious. Knowing these details helps avoid unexpected costs or gaps in coverage.
  • Understand the Claims Process: The fine print often outlines the claims process, including documentation requirements and timeframes. Familiarise yourself with these to streamline any future claims.  
  • Clarify Coverage Details: Ensure you understand the specifics of what’s covered, including any geographical or breed-specific restrictions. This knowledge is essential for making informed decisions.

Recommendations for Additional Coverage Options

Consider these additional coverage options to enhance your pet travel insurance:

  • Travel Disruption: Add cover for trip cancellations or interruptions caused by your pet’s health issues. This can save money if plans change unexpectedly.
  • Emergency Medical Evacuation: If travelling to remote areas, this coverage can help with the cost of transporting your pet to a suitable veterinary facility in an emergency.
  • Pre-Trip Health Checks: Some insurers offer coverage for pre-trip health checks or vaccinations. This can ensure your pet is fit for travel and meets all requirements.
  • Specialist Treatments: If your pet has specific health needs, consider adding coverage for specialist consultations and treatments.

By carefully considering these factors, reading the fine print, and exploring additional coverage options, you can select a pet travel insurance policy that provides peace of mind and comprehensive protection for your travels.

Journey Smarter: Secure Your Pet’s Travel Safety with the Best Insurance

Pet travel insurance covers unexpected emergencies, such as illnesses and accidents, protecting you from hefty veterinary bills and travel costs. With insurance, you gain peace of mind, knowing both you and your pet are covered. It’s a wise investment that ensures your dog receives the best care, letting you enjoy your travels without worry. 

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