Cheapest Pet Insurance Rates in the UK
Discover 5 deals available this month.
1.MoneySuperMarket Quotes
MoneySuperMarket offers pet insurance quotes starting from £3.95 per month for dogs or cats, comparing policies from 38 UK insurers as of December 2024. Pricing reflects the 10th percentile of customer quotes, providing access to some of the cheapest options available.
View Deal →At just under £4 a month, MoneySuperMarket provides an extensive range of insurer options, making it a solid choice for budget-conscious pet owners seeking breadth of choice.
Pros:
- Low starting price at £3.95 per month for dogs and cats
- Access to quotes from 38 different UK insurers
- Pricing based on a wide sample of customer quotes ensuring competitive offers
Cons:
- Price comparison limited to the 10th percentile, which may not capture all cheaper offers
- No details on specific policy features or coverage limits included
- Potential for variation in quotes depending on pet and location not indicated
2.Compare the Market Quotes
Pet insurance quotes start from £3.95 per month, comparing 277 products from 28 UK providers as of June 2025. Around 10% of customers receive quotes under £4.18 monthly.
View Deal →Compare the Market offers a broad selection with 277 products, giving pet owners a wide range of options to find affordable coverage starting at £3.95 per month.
Pros:
- Access to 277 pet insurance products from 28 UK providers
- Competitive pricing starting from £3.95 per month
- Data shows 10% of customers get quotes below £4.18
Cons:
- Lower number of providers compared to some competitors
- No specific discount deals mentioned for new customers
- Pricing data based on June 2025 quotes may vary over time
3.GoCompare Quotes
GoCompare offers pet insurance quotes starting from £3.72 per month with deals available in January 2026 from UK providers. It provides competitive pricing compared to other comparison sites.
View Deal →Starting at just £3.72 monthly, GoCompare presents one of the most affordable pet insurance options available in the UK this January. It’s a strong choice for budget-conscious pet owners seeking early-year deals.
Pros:
- Lowest starting price among major comparison sites at £3.72 per month
- Offers quotes from a variety of UK providers
- Includes current January 2026 promotional offers
Cons:
- Limited information on coverage details and policy features
- No mention of discounts beyond base pricing
- Less extensive provider list compared to some competitors
4.Direct Line Essential Cover
Direct Line Essential Cover starts from £6.88 per month for a single pet and includes a 25% discount for new customers during their first year when purchased online.
View Deal →Offering a solid discount upfront, Direct Line Essential Cover appeals to new pet owners looking for straightforward, affordable coverage with immediate savings.
Pros:
- Affordable starting price at £6.88 per month for a single pet
- 25% off the first year when purchased online for new customers
- Coverage designed to suit single pet owners
Cons:
- Higher starting price compared to other UK providers offering quotes from around £3.72
- Discount limited to the first year only
- No mention of multi-pet or additional coverage options in the basic plan
5.Sainsbury's Bank
Sainsbury's Bank offers exclusive pet insurance deals featured in January 2026 comparisons on MoneySuperMarket. Specific pricing details are not disclosed but are part of competitive market options.
View Deal →Pet owners can find exclusive savings through Sainsbury's Bank when comparing pet insurance deals this January, making it a worthy option to explore alongside other market offers.
Pros:
- Exclusive offers available through MoneySuperMarket comparisons
- Part of a competitive marketplace with multiple UK insurers
- Convenient access to tailored pet insurance deals in January 2026
Cons:
- No specific pricing details disclosed in the comparison
- Offers require using MoneySuperMarket platform to access
- May have fewer direct policy management options compared to standalone insurers
Final Words
To secure the cheapest pet insurance rates this January, take time to compare offers from multiple providers like GoCompare, MoneySuperMarket, and Compare the Market to find the best coverage for your pet at the most affordable price. You can explore current deals and discounts to ensure your pet is protected without overspending.
Frequently Asked Questions
MoneySuperMarket offers the cheapest pet insurance quotes starting from £3.95 per month for dogs or cats, based on data from December 2024. They compare policies from 38 UK insurers to find these rates.
MoneySuperMarket compares pet insurance quotes from 38 UK insurers, providing a wide range of options to help you find affordable coverage for your dog or cat.
GoCompare offers pet insurance quotes from £3.72 per month in January 2026, which is slightly lower than MoneySuperMarket's starting rate of £3.95. However, MoneySuperMarket compares more insurers and may offer more variety.
When comparing pet insurance, look beyond price to factors like coverage limits, exclusions, and claim process ease. Using comparison sites like MoneySuperMarket or Compare the Market helps you evaluate multiple providers and products efficiently.
Yes, some providers like Sainsbury's Bank offer exclusive pet insurance discounts featured through MoneySuperMarket comparisons in January 2026. Checking comparison websites can help you access these deals.
Direct Line Essential Cover offers 25% off the first year for new customers when purchasing online, with prices starting from £6.88 per month for a single pet. This can provide savings despite a higher base price.
