Comparing Dog Insurance

Family walking dog in the woods in autumn
Written by: Alistair Ball Head of Insurance, Asda Money 10 Dec 2020

Finding the right pet insurance policy for your dog is all about comparing different policies and levels of cover to find the best fit. It needs to work for your beloved pet as well as for your budget, so it’s worth taking the time to see what’s available. If you're more into your cats than your dogs, we also feature a guide to pet insurance for cats on our blog here.

What’s the best pet insurance for dogs?

The most important part of finding the best pet insurance for your dog is finding the policy that provides the right level of cover. This means thinking about your dog’s age, their breed, and any chronic health problems they may develop in the future.

Having a level of cover that’s too low for a dog that might experience more health problems throughout their lives could end up costing you more money in the long run. On the other hand, a more robust dog breed may not need a high level of cover as they could experience fewer issues that need the attention of a vet.

The best way to get the right insurance policy for your dog is to find out as much as you can about their breed and their family history. This is why you should get as much information as you can from wherever you adopt or buy your dog from, so they can hopefully tell you about the parents and any issues they’ve had. You can also ask a vet about common problems faced by different breeds.

What level of cover do I need?

The type of dog insurance policy you choose should match the needs of your dog as well as your budget. It’s always worth remembering that going for a cheaper premium may end up being more expensive if your dog needs more treatment than the total claim limit on your policy and you have to pay out of your own pocket.

When comparing dog insurance, it’s important to carefully check exactly what’s covered, so you don’t get surprised when you have to pay out for something you assumed would be included.

Match your dog’s breed to your level of cover

Different breeds come with different challenges, with some pedigree breeds more prone to health issues than others. If you have a particularly high maintenance pedigree dog, you may want to consider a higher level of cover to protect yourself against expensive vets bills for any unexpected issues during their lifetime.

You should always do as much research as possible on your dog’s breed or their family history to get a good idea of what they might be at risk of.

Is it cheaper to insure two dogs?

If you need to compare insurance for more than one dog, it may be cheaper to insure both at the same time on the same policy. Many insurers, offer a discount for multiple pets on one policy. With Asda Pet Insurance, you can save 10% on each pet you insure with us in the same household T&Cs apply.

Asda Pet Insurance

Our pet insurance policies offer multi-pet discounts, access to a 24 hour Vet Advice Line and the option to pay monthly by direct debit with no interest charges. Check out our Pet Insurance page for more details and to get a quote.

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