The FCA’s 2025 value measures data covers 23 pet insurers. 5 of them (Allianz Insurance, Atlas Insurance PCC, Forsakringsaktiebolaget Agria (publ), ManyPets, NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY(THE)) sit in the highest claims acceptance band reported, 95 to 100%, while the lowest band reported was 75 to 80%. The table ranks every reporting insurer on the regulator’s own bands.
TL;DR · LAST REVIEWED 14 October 2026
- The FCA publishes claims acceptance, frequency, payout and complaints bands for every pet insurer with over 3,000 policies; the table ranks all 23.
- Acceptance bands run from 75 to 80% to 95 to 100%; read them with complaints per claim, not alone.
- Price is not in the data and does not track with it; shortlist on claims record, then compare quotes and terms.
- Declined claim: written reasons, insurer complaint, then the Financial Ombudsman Service, free of charge.
KEY FACTS
- 23 pet insurers reported 2025 FCA value measures data for pet insurance
- Claims acceptance bands: 75 to 80% (lowest reported) to 95 to 100% (5 insurers in the top band)
- Data covers calendar year 2025, published July 2026
- Lowest complaints band: Allianz Insurance at 0 to 5%
- Data: FCA General Insurance Value Measures 2025 (firm-level), published 21 July 2026
Pet insurance guides
FCA Value Measures 2025: pet insurers compared
Regulator-reported 2025 data by underwriter. Bands are the FCA's own. Acceptance rate is the share of registered claims paid; complaints are claims that led to a complaint. Aggregate lifetime cover: 41% claims frequency, 93% acceptance, £716 average payout, 1% complaints, 62.8% of premiums returned as claims.
| Underwriter | Sells as | Cover type | Claims frequency | Claims accepted | Avg payout | Complaints |
|---|---|---|---|---|---|---|
| EQUINE AND LIVESTOCK INSURANCE COMPANY L | The Insurance Emporium | Accident only | 5 - 10% | 75 - 80% | £500 - 1000 | 0 - 5% |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITE | Animal Friends | Accident only | 0 - 5% | 70 - 75% | £500 - 1000 | 0 - 5% |
| Pinnacle Insurance Limited | Accident only | 0 - 5% | 10 - 15% | £500 - 1000 | 0 - 5% | |
| Allianz Insurance Plc | Petplan | Lifetime | 45 - 50% | 95 - 100% | £500 - 1000 | 0 - 5% |
| Atlas Insurance PCC Limited | Lifetime | 70 - 75% | 95 - 100% | £0 - 500 | 0 - 5% | |
| Forsakringsaktiebolaget Agria (publ) | Agria | Lifetime | 85 - 90% | 95 - 100% | £0 - 500 | 0 - 5% |
| ManyPets Ltd | ManyPets | Lifetime | 35 - 40% | 95 - 100% | £500 - 1000 | 0 - 5% |
| NATIONAL FARMERS UNION MUTUAL INSURANCE | NFU Mutual | Lifetime | 55 - 60% | 95 - 100% | £1000 - 1500 | 0 - 5% |
| Accredited Insurance (UK) Limited | Lifetime | 10 - 15% | 90 - 95% | £1000 - 1500 | 0 - 5% | |
| Alwyn Insurance Company Limited | Lifetime | 35 - 40% | 90 - 95% | £0 - 500 | 0 - 5% | |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITE | Animal Friends | Lifetime | 25 - 30% | 90 - 95% | £500 - 1000 | 0 - 5% |
| City Insurance Brokers Ltd | Lifetime | 35 - 40% | 90 - 95% | £0 - 500 | 0 - 5% | |
| EQUINE AND LIVESTOCK INSURANCE COMPANY L | The Insurance Emporium | Lifetime | 55 - 60% | 90 - 95% | £0 - 500 | 0 - 5% |
| EUI Limited | Admiral | Lifetime | 20 - 25% | 90 - 95% | £500 - 1000 | 0 - 5% |
| HDI Global Specialty SE | Lifetime | 65 - 70% | 90 - 95% | £0 - 500 | 0 - 5% | |
| INTACT INSURANCE UK LIMITED | Lifetime | 30 - 35% | 90 - 95% | £500 - 1000 | 0 - 5% | |
| Pinnacle Insurance Limited | Lifetime | 25 - 30% | 90 - 95% | £500 - 1000 | 0 - 5% | |
| Antares Insurance Company Limited | Lifetime | 20 - 25% | 85 - 90% | £0 - 500 | 0 - 5% | |
| Casualty & General Insurance Company (Eu | Lifetime | 40 - 45% | 85 - 90% | £500 - 1000 | 0 - 5% | |
| Covea Insurance plc | Lifetime | 55 - 60% | 85 - 90% | £500 - 1000 | 0 - 5% | |
| Only Pets Cover Limited | Only Pets | Lifetime | 20 - 25% | 85 - 90% | £500 - 1000 | 0 - 5% |
| SCOR UK COMPANY LIMITED | Lifetime | 15 - 20% | 85 - 90% | £500 - 1000 | 0 - 5% | |
| Great Lakes Insurance UK Limited | Lifetime | 40 - 45% | 80 - 85% | £500 - 1000 | 0 - 5% | |
| STONEBRIDGE INTERNATIONAL INSURANCE LTD. | Lifetime | 20 - 25% | 80 - 85% | £500 - 1000 | 0 - 5% | |
| Tedaisy Underwriting Limited | Lifetime | 20 - 25% | 75 - 80% | £500 - 1000 | 5 - 10% | |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITE | Animal Friends | Max benefit | 15 - 20% | 90 - 95% | £500 - 1000 | 0 - 5% |
| EQUINE AND LIVESTOCK INSURANCE COMPANY L | The Insurance Emporium | Max benefit | 35 - 40% | 90 - 95% | £500 - 1000 | 0 - 5% |
| EUI Limited | Admiral | Max benefit | 30 - 35% | 90 - 95% | £500 - 1000 | 5 - 10% |
| Pinnacle Insurance Limited | Max benefit | 15 - 20% | 90 - 95% | £500 - 1000 | 0 - 5% | |
| U K Insurance Limited | Direct Line, Churchill, Privilege | Max benefit | 35 - 40% | 90 - 95% | £1000 - 1500 | 0 - 5% |
| Antares Insurance Company Limited | Max benefit | 30 - 35% | 85 - 90% | £0 - 500 | 0 - 5% | |
| Covea Insurance plc | Max benefit | 40 - 45% | 85 - 90% | £500 - 1000 | 0 - 5% | |
| Only Pets Cover Limited | Only Pets | Max benefit | 20 - 25% | 85 - 90% | £500 - 1000 | 0 - 5% |
| STONEBRIDGE INTERNATIONAL INSURANCE LTD. | Max benefit | 20 - 25% | 80 - 85% | £500 - 1000 | 0 - 5% | |
| NATIONAL FARMERS UNION MUTUAL INSURANCE | NFU Mutual | Time-limited | 25 - 30% | 95 - 100% | £1000 - 1500 | 0 - 5% |
| Allianz Insurance Plc | Petplan | Time-limited | 30 - 35% | 90 - 95% | £500 - 1000 | 0 - 5% |
| Pinnacle Insurance Limited | Time-limited | 15 - 20% | 90 - 95% | £500 - 1000 | 0 - 5% | |
| ANIMAL FRIENDS INSURANCE SERVICES LIMITE | Animal Friends | Time-limited | 20 - 25% | 85 - 90% | £500 - 1000 | 0 - 5% |
| EQUINE AND LIVESTOCK INSURANCE COMPANY L | The Insurance Emporium | Time-limited | 25 - 30% | 85 - 90% | £500 - 1000 | 0 - 5% |
| EUI Limited | Admiral | Time-limited | 15 - 20% | 85 - 90% | £500 - 1000 | 5 - 10% |
| HDI Global Specialty SE | Time-limited | 30 - 35% | 85 - 90% | £0 - 500 | 0 - 5% | |
| INTACT INSURANCE UK LIMITED | Time-limited | 30 - 35% | 85 - 90% | £500 - 1000 | 0 - 5% | |
| Only Pets Cover Limited | Only Pets | Time-limited | 15 - 20% | 85 - 90% | £500 - 1000 | 0 - 5% |
| U K Insurance Limited | Direct Line, Churchill, Privilege | Time-limited | 30 - 35% | 85 - 90% | £1000 - 1500 | 0 - 5% |
| Antares Insurance Company Limited | Time-limited | 15 - 20% | 75 - 80% | £0 - 500 | 0 - 5% | |
| Covea Insurance plc | Time-limited | 35 - 40% | 75 - 80% | £0 - 500 | 0 - 5% | |
| STONEBRIDGE INTERNATIONAL INSURANCE LTD. | Time-limited | 15 - 20% | 75 - 80% | £500 - 1000 | 0 - 5% | |
| Casualty & General Insurance Company (Eu | Time-limited | 25 - 30% | 70 - 75% | £0 - 500 | 5 - 10% | |
| Tedaisy Underwriting Limited | Time-limited | 20 - 25% | 60 - 65% | £500 - 1000 | 5 - 10% |
Source: FCA General insurance value measures data 2025, published 21 July 2026, data locked 5 May 2026. Brands shown where the underwriter is publicly disclosed in policy documents. Historic data: not a recommendation.
Find your brand in the FCA data
The FCA reports pet insurance by the firm that underwrites or reports the policies, not by the brand on the advert. Petplan sits under Allianz Insurance, Direct Line and Churchill under U K Insurance, and Tesco and John Lewis under Pinnacle Insurance.
| Brand | What the brand's website says | FCA reporting firm | Claims accepted | Claims frequency | Average payout | Complaints per claim |
|---|---|---|---|---|---|---|
| Petplan | Trading name of Pet Plan Limited and Allianz Insurance plc | Allianz Insurance | 95 to 100% | 45 to 50% | £500 to 1,000 | 0 to 5% |
| Agria | Underwritten by Agria Försäkring | Forsakringsaktiebolaget Agria (publ) | 95 to 100% | 85 to 90% | £0 to 500 | 0 to 5% |
| ManyPets | Reports under its own name | ManyPets | 95 to 100% | 35 to 40% | £500 to 1,000 | 0 to 5% |
| NFU Mutual | Reports under its own name | National Farmers Union Mutual Insurance Society | 95 to 100% | 55 to 60% | £1,000 to 1,500 | 0 to 5% |
| Animal Friends | Trading name of Animal Friends Insurance Services Limited | Animal Friends Insurance Services | 90 to 95% | 25 to 30% | £500 to 1,000 | 0 to 5% |
| Direct Line | Underwritten by U K Insurance Limited | U K Insurance | 90 to 95% | 35 to 40% | £1,000 to 1,500 | 0 to 5% |
| Churchill | Underwritten by U K Insurance Limited | U K Insurance | 90 to 95% | 35 to 40% | £1,000 to 1,500 | 0 to 5% |
| Tesco | Arranged, administered and underwritten by Pinnacle Insurance Ltd | Pinnacle Insurance | 90 to 95% | 25 to 30% | £500 to 1,000 | 0 to 5% |
| John Lewis | Arranged, administered and underwritten by Pinnacle Insurance Ltd | Pinnacle Insurance | 90 to 95% | 25 to 30% | £500 to 1,000 | 0 to 5% |
| Admiral | Trading name of EUI Limited, which acts for other regulated insurers | EUI | 90 to 95% | 20 to 25% | £500 to 1,000 | 0 to 5% |
How this table is built: each brand's link to its insurer was read on the brand's own website on 23 October 2026. Bands are from the FCA General Insurance Value Measures 2025 data (calendar year 2025, published July 2026) and cover every pet policy that firm reports, which can include more than one brand. Where a brand acts for several insurers, as Admiral's EUI does, the firm figure may not match one product exactly. Kael Tripton receives no commission from any insurer listed.
How UK pet insurance providers compare on FCA claims data, 2025
The Financial Conduct Authority requires every insurer with more than 3,000 policies and 400,000 pounds of premium in a product to report four value measures each year: the share of claims accepted, how often policyholders claim, the average amount paid on an accepted claim, and complaints about claims as a share of claims made. The 2025 figures were published in July 2026. This is the only like-for-like, regulator-collected comparison of pet insurance providers that exists, and it is what the table below is built from. The FCA publishes firm-level figures as bands rather than exact percentages, so the table shows the bands exactly as reported, ranked by acceptance band and then by complaints band.
| # | Insurer | Claims accepted | Claims frequency | Average payout | Complaints per claim |
|---|---|---|---|---|---|
| 1 | Allianz Insurance | 95 to 100% | 45 to 50% | £500 to 1000 | 0 to 5% |
| 2 | Atlas Insurance PCC | 95 to 100% | 70 to 75% | £0 to 500 | 0 to 5% |
| 3 | Forsakringsaktiebolaget Agria (publ) | 95 to 100% | 85 to 90% | £0 to 500 | 0 to 5% |
| 4 | ManyPets | 95 to 100% | 35 to 40% | £500 to 1000 | 0 to 5% |
| 5 | NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY(THE) | 95 to 100% | 55 to 60% | £1000 to 1500 | 0 to 5% |
| 6 | ANIMAL FRIENDS INSURANCE SERVICES | 90 to 95% | 25 to 30% | £500 to 1000 | 0 to 5% |
| 7 | Accredited Insurance (UK) | 90 to 95% | 10 to 15% | £1000 to 1500 | 0 to 5% |
| 8 | Alwyn | 90 to 95% | 35 to 40% | £0 to 500 | 0 to 5% |
| 9 | City Insurance Brokers | 90 to 95% | 35 to 40% | £0 to 500 | 0 to 5% |
| 10 | EQUINE AND LIVESTOCK (THE) | 90 to 95% | 55 to 60% | £0 to 500 | 0 to 5% |
| 11 | EUI | 90 to 95% | 20 to 25% | £500 to 1000 | 0 to 5% |
| 12 | HDI Global Specialty SE | 90 to 95% | 65 to 70% | £0 to 500 | 0 to 5% |
| 13 | INTACT INSURANCE | 90 to 95% | 30 to 35% | £500 to 1000 | 0 to 5% |
| 14 | Pinnacle Insurance | 90 to 95% | 25 to 30% | £500 to 1000 | 0 to 5% |
| 15 | U K Insurance | 90 to 95% | 35 to 40% | £1000 to 1500 | 0 to 5% |
| 16 | Antares | 85 to 90% | 20 to 25% | £0 to 500 | 0 to 5% |
| 17 | Casualty & General (Europe) | 85 to 90% | 40 to 45% | £500 to 1000 | 0 to 5% |
| 18 | Covea Insurance | 85 to 90% | 55 to 60% | £500 to 1000 | 0 to 5% |
| 19 | Only Pets Cover | 85 to 90% | 20 to 25% | £500 to 1000 | 0 to 5% |
| 20 | SCOR | 85 to 90% | 15 to 20% | £500 to 1000 | 0 to 5% |
| 21 | Great Lakes Insurance | 80 to 85% | 40 to 45% | £500 to 1000 | 0 to 5% |
| 22 | STONEBRIDGE INTERNATIONAL INSURANCE | 80 to 85% | 20 to 25% | £500 to 1000 | 0 to 5% |
| 23 | Tedaisy Underwriting | 75 to 80% | 20 to 25% | £500 to 1000 | 5 to 10% |
Products reported: Pet - accident only (All), Pet - covered for life (All), Pet - maximum benefit (All), Pet - time limited (All). Where an insurer reports more than one variant, the main product variant is shown. Figures are calendar year 2025 and describe what happened to existing customers; they are not a prediction of how any policy sold today will perform.
Reading the four measures together
Claims acceptance is the share of registered claims that were paid in full or in part. A high figure means few claims were declined, but it says nothing about how much was paid. Claims frequency is claims per 100 policies; a low figure can mean a healthy book or a policy that customers find hard to claim on. Average payout shows the typical settlement; for pet insurance it is shaped by the cover limits and excesses in the book as much as by the insurer. Complaints per claim is the sharpest signal of how claims handling felt to customers. The FCA itself cautions that no single measure should be read in isolation, and that business mix, product age and target market all move these numbers.
What drives the price of pet insurance
Price is not in the FCA data, and the two do not move together: some of the cheapest policies sit mid-table on acceptance, some of the most expensive at the bottom. The main pricing factors for pet insurance are breed, age at first policy, postcode, vet fee limit (lifetime versus per-condition versus time-limited), excess and co-payment percentage, and whether the policy covers dental, alternative therapy and third-party liability for dogs. Quotes for the same person can vary by a factor of two or more between insurers because each weights these factors differently, which is why the regulator’s claims data is worth reading alongside price rather than instead of it.
What to check in a pet insurance policy before the price
The measures above describe outcomes, and outcomes come from policy terms. Before comparing premiums, read the vet fee limit and whether it resets each year, whether pre-existing conditions are excluded permanently or after a symptom-free period, the co-payment that starts at a set age (often 8 or 9), and how premiums rise after a claim. These terms explain most of the gap between the insurers at the top and bottom of the table: a policy that is easy to claim on will show higher acceptance and lower complaints, whatever it costs.
Making a claim and what to do if it is declined
Report the incident within the policy’s notification window, keep receipts and evidence, and answer the insurer’s questions in writing where possible. If a claim is declined or the settlement is lower than expected, ask for the decision in writing with the policy clause relied on, then complain to the insurer, which has eight weeks to give a final response. After that, or if the response is unsatisfactory, the Financial Ombudsman Service investigates free of charge and its decisions bind the insurer. In 2025/26 the Financial Ombudsman Service received 2,065 new pet insurance complaints and upheld 41% of them, and the FCA’s Consumer Duty requires insurers to handle claims fairly and promptly.
How to use this data with Kael Tripton’s guides
This page is an independent editorial ranking of regulator data. Kael Tripton takes no commission on FCA-regulated products, runs no quote line and does not recommend a provider. Use the table to shortlist insurers whose claims record you are comfortable with, then obtain quotes directly or through a broker, and compare the policy terms above line by line. The pet insurance hub holds the related guides on cover types, exclusions and claims.
RELATED GUIDES
DISCLAIMER
FCA value measures describe 2025 outcomes for existing customers and are not a prediction for any policy sold today. Information only, not advice; Kael Tripton is not FCA-authorised and takes no commission on regulated products.
Key facts: pet insurance for cats and dogs
Checked 28 October 2026 against the primary sources listed. Rates, prices and terms are set by each provider and can change.
| Item | Detail | Source |
|---|---|---|
| FCA data | FCA general insurance value measures for 2025 published 21 July 2026; firms report where premiums exceed £400,000 and over 3,000 policies are in force | FCA |
| Claims paid | £1.23bn in pet claims in 2024, average claim £685 | ABI |
| Complaints | Pet insurance: 2,065 Ombudsman complaints in 2025/26, 41% upheld; 29% upheld in April to June 2026 | Financial Ombudsman Service |
| Cat lifetime cover | Petplan Covered For Life cat: vet fee limits of £4,000, £7,000 or £12,000 a year | Petplan |
| Older cats | Petplan Covered For Life must start before a cat's 10th birthday; time-limited cover has no upper age limit | Petplan |
Pet insurance compared: vet fee limits, co-payments and age rules (October 2026)
Checked 31 October 2026 against each provider's own published terms and the primary sources linked. Prices and terms are set by each provider and can change.
Lifetime pet insurance renews the vet fee limit every policy year for as long as the policy continues, so the annual limit and the rules that start at a set age matter more than the first-year price. The table records what thirteen UK pet insurers publish on their own sites and policy documents. A blank or "not published" entry means the figure was not on the insurer's public pages on the date checked.
| Insurer | Lifetime vet fee limit | Other policy types | Co-payment | Upper age to start lifetime cover | Underwriter or seller |
|---|---|---|---|---|---|
| Agria | £3,000, £6,500, £12,500 or £20,000 a year | Lifetime only | Percentage on the schedule | No upper age limit | Agria Försäkring, FRN 623469 |
| ManyPets | £5,000, £7,000 (pre-existing plan), £10,000 or £20,000 | Lifetime only | Not published on pages checked | Not published on pages checked | Not published on pages checked |
| Animal Friends | £1,000 to £18,000 a year | Condition limit, max benefit, time limited, accident only | 20% from 8 (dogs) and 10 (cats) | No upper age limit | Pinnacle (£1,000 to £5,000) or Red Sands (£10,000, £18,000) |
| Waggel | £1,000 to £15,000 a year (adjustable) | Lifetime only | Optional 20% at any age | Not published | Red Sands Insurance Company (Europe) |
| Purely Pets | £1,000 to £15,000 a year (Bronze, Silver, Gold) | Lifetime only | Not published | No upper age limit | Insurance Factory Ltd, FRN 306164 (seller) |
| Petplan | £4,000, £7,000 or £12,000 a year (Covered For Life) | Essential: £3,000 per condition for 12 months | 20% for dogs, usually from 10 (7 for some breeds) | Dogs before 8 (5 for some breeds); cats before 10 | Allianz Insurance plc, FRN 121849 |
| LV= | £1,000 to £12,000 a year (nine levels) | Time limited | 20% added at 8 (dogs) and 10 (cats) | Dogs under 8; cats under 10 | Allianz Insurance plc, FRN 121849 |
| John Lewis | £2,000 to £12,000 a year | Lifetime only | May increase from age 9 | No upper age limit | Pinnacle Insurance (new policies) |
| Tesco | £3,000, £5,000, £7,500 or £11,000 | Max benefit £5,000 or £7,500; time limited £3,000 or £5,000 | 20% from 5 or 8 (dogs, by breed) and 10 (cats) | Dogs before 8 (5 for some breeds); cats before 10 | Pinnacle Insurance, FRN 110866 |
| Sainsbury's Bank | £2,500, £5,000, £7,500 or £10,000 | Max benefit £3,000 or £6,000; time limited £3,000 | Not published | No upper age limit stated | Pinnacle Insurance, FRN 110866 |
| Everypaw | £1,000 to £10,000 a year | Lifetime only | 25% from 8 (most dogs), 5 (25 breeds), 10 (cats) | Not published | Pinnacle Insurance, FRN 110866 |
| More Than | £1,000, £2,000, £4,000 or £6,000 a year (Premier) | Basic time limited; Classic max benefit £4,000 or £8,000 | Mandatory from the renewal after age 9 | No upper age limit | Sold by EUI Ltd, FRN 309378 |
| Direct Line | No lifetime cover sold | Essential: £4,000 per condition or 12 months | None stated; dog excess £95 | Not published | U K Insurance Ltd, FRN 202810 |
Figures come from each insurer's own website, Insurance Product Information Document or policy wording: petplan.co.uk, manypets.com, animalfriends.co.uk, agriapet.co.uk, directline.com, morethan.com, tescoinsurance.com, sainsburysbank.co.uk, lv.com, waggel.co.uk, everypaw.com, johnlewismoney.com and purelypetsinsurance.co.uk.
Older dogs and cats
Seven of the thirteen insurers state no upper age limit for starting cover: Agria, Animal Friends, Purely Pets, John Lewis, Sainsbury's Bank, More Than and, for its time-limited Essential policy, Petplan. Petplan (Covered For Life), LV= and Tesco only start new lifetime policies for dogs under 8 (5 for some breeds at Petplan and Tesco) and cats under 10. Most lifetime policies add a co-payment of 20% or 25% of each claim once a pet reaches a set age.
Claims, complaints and vet prices
- ABI members paid a record £1.23 billion in pet insurance claims in 2024, on 1.8 million claims, with an average claim of £685; 4.6 million pet owners were insured (Association of British Insurers)
- The average pet insurance premium per pet, including Insurance Premium Tax, was £389 in 2023 (Association of British Insurers)
- The Financial Ombudsman Service received 2,065 new pet insurance complaints in 2025/26 and upheld 41%, against 30% across all products (Financial Ombudsman Service)
- The CMA found average vet prices rose 63% between 2016 and 2023 (Competition and Markets Authority provisional decision, GOV.UK)
- The CMA final decision caps prescription fees at £21 for the first medicine and £12.50 for each additional one (Competition and Markets Authority final decision, GOV.UK)
- The FCA ban on renewal price walking (ICOBS 6B) applies to home and motor insurance, not pet insurance; the fair value rules do apply to pet cover (FCA PS21/5)
Petplan's three Covered For Life limits are listed in the order shown on its product page. ManyPets handbooks could not be read on the date checked, so its underwriter and age rules are left blank. Kael Tripton does not sell or arrange insurance.
Frequently asked questions
Which pet insurers accept the most claims?
In the FCA’s 2025 data, 5 of 23 insurers (Allianz Insurance, Atlas Insurance PCC, Forsakringsaktiebolaget Agria (publ), ManyPets, NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY(THE)) reported acceptance in the top band, 95 to 100%. The FCA publishes bands rather than exact figures.
Is this data a recommendation?
No. It is the FCA’s published record of what happened to 2025 claims. Kael Tripton does not recommend providers or take commission on FCA-regulated products.
Why is claims frequency useful?
It shows how often customers actually claim. Very low frequency can indicate a policy that is hard to claim on or that customers do not understand, which is why the FCA reads it alongside acceptance and complaints.
Where does the data come from?
Insurers report it to the FCA under its value measures rules (PS20/9). The FCA validates and publishes it annually; the 2025 figures were published on 21 July 2026.
What if my claim is declined?
Ask for the decision and policy clause in writing, complain to the insurer (eight-week deadline), then take it to the Financial Ombudsman Service, which is free and binding on the insurer.
SOURCES
- FCA: General insurance value measures data 2025 (published 21 July 2026) - accessed 07 September 2026
- FCA: GI value measures 2025, underlying data (XLSX) - accessed 07 September 2026
- FCA PS20/9: General insurance value measures reporting and publication - accessed 07 September 2026
- Financial Ombudsman Service - accessed 07 September 2026
- Association of British Insurers: industry data - accessed 07 September 2026
How pet insurance works, policy types and what it costs: pet insurance UK guide
Who is the best pet insurance company in the UK?
No single insurer is objectively best. The FCA's General Insurance Value Measures for 2025 show that for covered-for-life pet policies, the aggregate claims frequency was 41%, claims acceptance 93%, and average payout 716 pounds. Insurers report separately: Allianz Insurance Plc, which underwrites Petplan, reported 2025 lifetime claims acceptance of 95-100%, while Animal Friends reported lifetime acceptance of 90-95%. Agria and ManyPets underwrite their own policies and report separately to the FCA. Comparisons should consider individual needs and policy terms.
Which pet insurance company has the best reviews?
There is no single best-reviewed pet insurer. The FCA's 2025 Value Measures data shows that for covered-for-life policies, the aggregate claims acceptance rate was 93% and complaints were 1% of claims. Insurer-specific figures vary: Allianz Insurance Plc, which underwrites Petplan, reported 2025 lifetime claims acceptance of 95-100% and complaints of 0-5%, while Animal Friends reported lifetime acceptance of 90-95%. Reviews are subjective and may not reflect claims outcomes. The FCA publishes value measures to help consumers compare.
What is the average cost of pet insurance in the UK per month?
The FCA does not publish average monthly premiums. Pet insurance pricing is not regulated, and premiums vary with pet age, breed, location, and claims history. The FCA's 2025 Value Measures show that for covered-for-life policies, 62.8% of premiums were paid out in claims, up from 58.6% in 2024. Average payouts were 716 pounds for covered-for-life, 757 pounds for maximum-benefit, and 719 pounds for time-limited policies. These figures do not indicate monthly costs. Consumers may compare quotes directly.
What is a good annual limit for pet insurance?
There is no regulatory definition of a good annual limit. The FCA's 2025 Value Measures show that covered-for-life policies had an average payout of 716 pounds, maximum-benefit policies 757 pounds, and time-limited policies 719 pounds. Allianz Insurance Plc, which underwrites Petplan, reported average payouts of 500-1000 pounds for lifetime cover. Limits should reflect potential veterinary costs, which vary by condition and location. The Competition and Markets Authority found that pricing is hard to compare, so policy terms should be checked carefully.
What isn't covered by pet insurance?
Pre-existing conditions are excluded by all UK insurers except specialist plans that cover conditions after a symptom-free period. A pre-existing condition is anything the pet showed signs of, or was treated for, before the policy started or during a waiting period, regardless of diagnosis date. Some insurers also exclude bilateral conditions. The FCA's 2025 Value Measures show claims acceptance rates of 93% for covered-for-life, 91% for maximum-benefit, and 88% for time-limited policies, indicating some claims are declined. Other exclusions depend on individual policy terms.
Update: 7 October 2026 The Financial Conduct Authority's value measures data for 2025, published on 21 July 2026, shows that covered-for-life pet insurance paid out 62.8 per cent of premiums in claims, up from 58.6 per cent in 2024. This is the second-highest payout ratio of any UK general insurance product tracked by the regulator. Time-limited pet policies recorded a claims acceptance rate of 88 per cent in 2025 and a claims frequency of 26 per cent, meaning roughly one policy in four made a claim during the year. Maximum-benefit policies also recorded a 26 per cent claims frequency, among the highest of any product the FCA tracks, while acceptance rates fell for two of the three pet product types compared with 2024. Only 2 per cent of time-limited claims led to a complaint. Firm-level acceptance rates, average payouts and complaint rates are published in bands at fca.org.uk/data/general-insurance-value-measures-data-2025, though the regulator cautions that reporting inconsistencies mean the figures should be read alongside cover, exclusions and customer outcomes. |
Update, 14 October 2026: ombudsman pet complaints and the CMA vets Order The Financial Ombudsman Service received 2,065 new pet insurance complaints in 2025/26 and upheld 41% of them, according to data published on 21 May 2026. That uphold rate is above the 30% average across all products. The Competition and Markets Authority published its final report on the veterinary services market investigation on 24 March 2026 and made the Veterinary Services Market Investigation Order on 22 September 2026. From 23 December 2026, larger veterinary businesses must publish prices for basic services such as consultations and vaccinations and provide written estimates for higher cost treatment. The FCA first published its general insurance value measures for 2025 on 21 July 2026 and last updated them on 11 September 2026. |
