English Pet Insurance Buying Guide and Insurance Company Recommendations 2021

Prerequisites for Keeping Pets in the UK

1. Hold a permanent residence visa in the UK or have been naturalized (and these two dependents), or be about to be obtained;
2. Do not move frequently, have a fixed and stable address in the UK, or be about to buy a house;
3. Clearly know about the motive of keeping a pet, not out of loneliness and looking for a playmate, or just think it’s a cute toy
4. If you are buying a pet, you also need to make sure that you have sufficient financial capacity. Of course, if you accept gifts from others, you will also burn pet food, toys, medical expenses, and other expenses; in the UK, it is more expensive to go to a pet hospital to spend 1k fat at a time;
5. Before adopting a particular pet, it is necessary to make a special preparation, that is, if for many reasons [moving, traveling, etc.] you cannot continue to raise it, make sure you know how to arrange its future life. After all, the life expectancy of ordinary cats or dogs can be more than 10 years.

The Importance of Insurance in the U.K.

In the UK, pets get sick to go to the vet, and the cost is hefty high. Generally, the veterinarian recommends hospitalization for observation if your pet has little , the cost will cost about 1,000 pounds. If the pet encounters an accident and needs to be hospitalized for surgery, the cost is incredible. So in the UK, most families with pets will buy pet insurance for them. And the cost is not expensive, usually buying a little medicine for more than one year of insurance. Pet insurance develops well in the U.K. The first pet insurance policy in the UK insurance market was sold in 1947. In the United Kingdom, pet insurance is already well known. The pet insurance market reached 976 million pounds in 2015 and is expected to grow to 1.6 billion pounds by the end of 2021. It is currently the world’s largest pet insurance market.

Classifications of Pet Insurance

1. Pet medical expenses insurance mainly compensates for the expenses incurred by pets suffering from accidental injuries or illnesses for medical treatment.
2. Pet third-party liability insurance mainly protects the pet owner’s liability for personal injury or property damage caused by the pet to a third party.
3. Pet death insurance is mainly responsible for paying a certain amount of insurance money to the pet owner when the pet dies due to an accident or disease, or when it is stolen or lost.

Which Pets in the UK Can Have Insurance?

Although pet insurance has been in the UK market for 70 years, for such a long time, in fact, the choice of pet insurance is quite limited. Most insurances are for cats and dogs. Now pet insurance companies have started to provide insurance services for crocodiles, parrots, and alpacas. The main discussion here is pet medical insurance. In addition, pet death insurance (the pet owner can get a certain amount of compensation when the pet dies due to an accident or disease) and pet third-party liability insurance (mainly protects the pet owner due to the pet’s three-party liability for personal injury or property damage) is the other two newer markets.

What Common Sense Should You Know Before Buying Pet Insurance?
1. Clearly understand how the insurance works, including the type of coverage;
2. What is the specific cost?
3. Will there be free pet consultation services for low-income people?
4. Should you give up pet insurance or should you take the risk? How to compare prices?
5. Understand the traps that insurance companies usually set for consumers;
6. Three ways to reduce pet insurance premiums:
Sterilize pets
Purchase insurance when your pet is younger and healthier. Because pet owners must honestly publish the medical records of all pets in the past before purchasing, and there is a chance that the price of the insurance policy will rise;
Implant chips for pets. Some insurance companies charge lower fees for pets that already have a chip;
7. Which company provide the most cost-effective insurance plan?

Some Insurance Company Recommendations

Legal & General Group
Website address: https://www.legalandgeneralgroup.com/
Website introduction: Legal & General Group is a well-known insurance company in the UK. It is one of the 50 largest companies in the UK and has been rated as AAA by Standard Poole. It has more than 2.5 million customers and pays pension insurance rebates to more than 200,000 customers every year. The company also has a large number of long-term insurance policies for more than 20 years. Pet insurance was launched in 2016, and its achievements in the pet insurance industry in the UK are also relatively eye-catching.

RSA Insurance Group
Website address: https://www.rsagroup.com/
Website introduction: RSA Insurance Group (RSA Insurance Group), formerly known as Royal Sun Union Insurance Group, is a British multinational comprehensive insurance company headquartered in London, England. RSA Insurance Group has 17 million customers, has major operations in the UK and Ireland, Scandinavia and Canada, and provides insurance products and services through a network of local partners in more than 140 countries. RSA Insurance Group not only operates various types of life insurance but also accounts for a very large proportion of the pet insurance market in the UK. According to statistics in 2016, the pet insurance market share has reached 28%!

Allianz Insurance Group
Website address: https://www.allianz.com/
Website introduction: Allianz Group is the largest insurance company in Europe and one of the largest insurance and asset management groups in the world. Allianz Group was established in Berlin, Germany in 1890. It has a long history of 129 years. It is headquartered in Munich, the capital of Bavaria, Germany. It is one of the largest financial groups in Germany and Europe. As a world-leading comprehensive insurance and asset management company, Allianz Group’s business covers all financial fields, including life insurance, health insurance, property insurance and liability insurance, all types of insurance in the reinsurance field, and risk management consulting. Provide asset management services for institutional and individual investors within the scope. Allianz mainly sells pet insurance under the Petplan brand. It has the largest share of the pet insurance market in the UK, reaching 41%.

Confused Insurance Company
Website address: https://www.confused.com/pet-insurance
Website introduction: Confused.com is a part of Admiral Group, headquartered in Cardiff, Wales. Confused.com is a UK website that specializes in price comparison of insurance and financial services. The website allows consumers to compare the prices of a range of insurance and financial products, including car, vehicle, home, pet insurance, etc.

How to Have a Pet in the U.K.?

In addition to adoption, there is another way to obtain pets, and that is to purchase. In this way, pets are purchased through private transactions through the Internet, and there is no large-scale pet trading place like the domestic one. Purchasing pets through the Internet generally means buying purebred cats and dogs. There will be photos of pets and some information about pets on the Internet. If you like, you can contact the phone number or email address left above and get their consent before you can go to their home to choose. Some even have to make an appointment a few months in advance.
Recommend a few private websites that sell pets:

About Vaccines, Chips, Deworming and Sterilization

1. The first thing you need to make sure is that there is no rabies in the UK. If you are accidentally bitten or scratched by a cat or dog and want to go to the hospital for rabies vaccination, you will be told not to use it, because the UK is a highly immunized country and the entire UK has no rabies.
Therefore, there is no rabies vaccine among the conventional vaccines for dogs and cats. If you want to take cats and dogs out of the UK, they need to be vaccinated against rabies. For example, they will be required to be vaccinated when they need a passport.
2. Vaccines, chips, and deworming for cats and dogs, pet agencies have a complete set of solutions, like vets4pets. Some pets have been injected with vaccines or chips before they are sold. You need to ask the breeder when you buy them. If you don’t have one, you need to bring them to the pet store for injections. Generally, the first injection, including two vaccines, injection chips, and deworming drugs, costs around 90 pounds for dogs and 40 pounds for cats. The vaccine needs to be injected every year to improve the immunity of cats and dogs. Every year after the vaccine expires, the pet agency will send a message to remind you, well, it’s time for your pet to get the vaccine again.
3. Regarding the sterilization operation, I will not go into detail here. Do it or not, this is a moral question for us.

Some Tips for Raising Pets

1. Before raising a pet, you have to be psychologically prepared, and make some questions clear, such as whether you have the energy to take care of it, whether you have enough long-term patience to deal with it, whether you can solve the problem of raising a pet in the short-term home country, whether you are ready to settle in the UK, and so on.
2. Are pets allowed in the house you live in? If it is a rented house, especially in flat, many pets are not allowed. Therefore, if you have pets in your house or plan to keep pets, you must first find out if your house is allowed before renting a house.
3. The conditions for adopting pets. It is more difficult for a student visa to go to a pet house to adopt a pet because they will consider what to do with the pet after the student graduates? Can you start and end well?
4. Your budget. It is easy to buy a pet and it is difficult to raise a pet, especially when a pet is sick and needs to go to a veterinary hospital for treatment. The cost is quite expensive, often several hundred pounds.
5. It is forbidden to abuse pets and be kind to them.

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