Here’s a ranked overview of budget-friendly UK providers, their entry-level, standard, and premium lifetime plans, alongside key features and Trustpilot ratings (where available). In this blog we are featuring most budget friendly, yet effective pet insurance plans on the market as of today. If you are looking for comperhensive, premium insurance plans, please visit our TOP 10 Best Pet Insurance UK blog post.
1. Animal Friends
Cheapest basic provider—widely cited as most affordable for all policy types (accident-only, time-limited, lifetime)
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Entry plan: Accident‑only from approx. £3–£4/month.
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Standard lifetime: Roughly £15–£20/month (≈ £180–£240/year).
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Premium: Higher lifetime limits available.
Benefits: Multi‑pet discount, easy claims, Clubcard offers via comparison sites.
Trustpilot: Typically 4.0+. See provider site. - Website Link
2. ManyPets (formerly Bought By Many)
Award‑winning provider of the year (Moneyfacts 2025)
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Complete Care (premium): Vet fee cover up to £20,000, unlimited 24/7 video vet calls, pre‑existing condition cover (after 2 years), MoneyBack 20% premium rebate if no claim.
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Standard Care: Cover up to £10,000, illness & accident, vet calls included.
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Essential Care: Up to £3,000, accidents only.
Pricing: Basic accident-only around £4/month, standard from £10–£15/month, premium from £20–£25/month depending on age/breed/location.
Trustpilot rating: 4.3/5 from many reviews
✅ Website: manypets.com/uk - Website Link
3. Agria Pet Insurance
Which? Best Buy 2025, excellent Trustpilot rating (4.5/5) and Defaqto 5‑star rated
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Lifetime Premium: Up to £20,000 vet fee cover, pays 98% of claims, no premium increase due to claims, includes legal liability, free 24/7 video vet calls.
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Lifetime Plus / Lifetime: Lower vet fee limits (£12k, £7k).
Pricing: Typically £15–£30/month, depending on cover level and pet details.
✅ Website: agriapet.co.uk
4. Petplan
UK’s No.1 insurer, Which? Best Buy covered-for-life plans, 10,000+ 5★ Trustpilot reviews
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Covered for Life®: Vet fees up to £4,000, £7,000 or £12,000/year, renewable each year.
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Other tiers: Maximum benefit and time-limited policies are cheaper but less comprehensive.
Pricing: Entry lifetime policies from £15/month, higher tiers up to £30+. - Website Link
5. Tesco Pet Insurance
Offers Time-Limited, Maximum Benefit and Lifetime options; discounts for Tesco Clubcard members
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Time-Limited: Cover for up to 12 months per condition.
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Maximum Benefit: Higher ASP limits, no renewals for same condition.
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Lifetime: Ongoing cover for chronic conditions.
Pricing: Accident-only/time-limited from £10/month, lifetime around £20–£25/month, with Clubcard discount.
Trustpilot: Mixed reviews; some claim delays or refusals
6. Petgevity
Awarded Moneyfacts 5‑Star rating, rising in comparison lists
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Lifetime policies: generous vet fee limits up to £14–15k+, specialist support.
Pricing: Starting around £20/month, depending on plan.
Trustpilot: Positive reviews on Moneyfacts; direct Trustpilot score not published. - Wesbite Link
7. Waggel
Mentioned among cheapest on Money to the Masses ranking
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Offers lifetime and shorter-term cover.
Pricing: Basic lifetime around £10–£15/month.
Benefits: Covers standard vet fees; check exclusions carefully.
Trustpilot: Moderate, user caution advised. - Website Link
8. Perfect Pet
Also listed as ultra-budget option by Money to the Masses
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Lifetime and maximum benefit plans with low premiums.
Pricing: From about £10–£15/month for simple lifetime cover.
Pros/Cons: Very low-cost but narrower cover, limited extras, higher excesses.
Trustpilot: Few reviews; many UK pet owners report low service levels. - Website Link
9. Other Comparison Sites
Via MoneySuperMarket and GoCompare, you can get quotes from multiple providers at once
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Average UK dog insurance customers pay £18.57/month (~£223/year) at MoneySuperMarket.
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Many providers offer as low as £3.95/month (≈ £47/year) for basic accident-only cover.
Trustpilot review of comparison tool feefo.com: Trust rating ≈ 4.9/5
🔍 Quick Comparison Table
| Provider | Entry (Accident‑only) | Standard Lifetime | Premium Lifetime | Trustpilot Rating | Key Perks |
|---|---|---|---|---|---|
| Animal Friends | £3–£4/month | ~£15–£20/month | Higher limits available | ~4.0★ | Very low cost, multi‑pet |
| ManyPets | ~£4/month | ~£10–£15/month | ~£20–£25/month | 4.3★ | Vet video, MoneyBack |
| Agria | ~£15/month | £15–£30/month | Up to £20k cover (premium) | 4.5★ | Pays 98%, never penalise claims |
| Petplan | ~£15/month | ~£15–£30/month | £4k–£12k vet cover yearly | 4.0★+ | Claims Guarantee, trusted |
| Tesco | ~£10/month | ~£20–£25/month | Lifetime with Clubcard save | Mixed | Clubcard discount |
| Petgevity | ~£20/month | £20+/month | High vet fee limits | Unknown/Good | High limits, award-rated |
| Waggel | ~£10–£15/month | Mid-range | Lower premiums | Mixed | Affordable but check limits |
| PerfectPet | ~£10–£15/month | Basic lifetime | Budget lifetime option | Low | Cheapest but limited cover |
✅ Final Tips
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Always compare quotes using your pet’s age, breed, location, neutering status—pricing varies widely.
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Opt for lifetime policies over cheaper time-limited or maximum benefit plans—they give ongoing cover for chronic conditions.
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Review excesses and exclusions carefully—lowest premiums often come with higher co-pays.
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Consider comparison sites (MoneySuperMarket, GoCompare, QuoteZone) to secure the lowest cost offers across providers.
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Check upfront discounts (e.g. Agria and ManyPets offer multi‑pet or no‑claim rebates).
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Read Trustpilot and Feefo reviews to verify claim experience and customer service.
