Who has the cheapest pet insurance?

According to Finder's 2026 Pet Insurance Awards, Budget Direct received the title of Best Value Cover, as it was one of cheapest insurers on the market. Keep in mind, this is based on a specific pet profile and your own quote will differ. It's wise to get quotes from multiple providers to see which one has the best value for your circumstances.

What is the best pet insurance?

The best pet insurance will depend on your needs and your budget. For those looking for a policy with generous cover limits that remains comparatively affordable, it's worth comparing the options in the table above. You can read about our award winners here.

Does pet insurance cover desexing?

If your policy includes routine care then there's a good chance you're covered for desexing.

How much does cheap pet insurance cost per month?

For a 5-year-old desexed Staffy, the 5 cheapest quotes we found in March 2026 ranged from $681.41 to $900.72 a year, which works out to roughly $57 to $75 a month. Accident-only cover can be cheaper again, with some policies charging a fixed $30 a month for cats and $40 a month for dogs. Your price will depend on your pet's breed, age and location, so get a few quotes to see what you'd actually pay.

Does pet insurance go up every year?

Usually, yes. Most insurers raise premiums as your pet gets older, because older pets are more likely to need treatment. Prices can also rise with vet costs in general. Some accident-only policies charge a fixed monthly fee that doesn't increase with your pet's age or claims, so they're worth a look if you want a predictable bill. Check your renewal notice each year and compare quotes if the price jumps.

How can I get a discount on pet insurance?

Many insurers offer one or two months free for new customers, plus multi-pet discounts if you insure more than one animal. Some also take money off if you buy online or pay annually. Promo codes change often, so check our latest pet insurance deals before you buy.

Can I get pet insurance with no excess?

Yes, some policies let you choose a $0 excess, so you won't pay anything extra when you claim. The trade-off is a higher premium. If you want the cheapest premium, a higher excess (up to around $200) will usually bring the price down, but you'll pay that amount each time you make a claim.

Can I get cheap pet insurance for an older pet?

Yes, but your options narrow as your pet ages. Many insurers set a maximum age for new policies, and premiums for older pets are higher because they're more likely to get sick. Accident-only cover is often the most affordable choice for a senior pet. Compare policies built for older pets to see what's available.