Find the Right Cover for Your Pet
MomPlans connects you with specialist pet insurance providers who compare policies from across the UK market, in plain English, at no cost to you.
Free comparison service
We connect you with specialist pet insurance providers who compare policies from across the UK market at no cost to you.
Specialists in pet cover
Every provider in our network is independently authorised and regulated. You get clear, straightforward information about your options.
No hidden costs
MomPlans is completely free to use. You pay nothing to be matched with a specialist pet insurance provider.
24h
A specialist contacts you within 24 hours
Free
No fees, no obligation, no pressure
£0
Cost to use MomPlans
An unexpected vet bill can derail your family finances.
In the UK, one in three pets requires unexpected veterinary treatment each year. A single surgery, diagnostic scan or course of specialist medication can cost more than one thousand pounds.
The right pet insurance policy means you can say yes to the treatment your pet needs without worrying about the cost. A specialist can find the cover that fits your pet and your budget.
Vet bills can be significant
A single unexpected illness or accident can result in a vet bill of over a thousand pounds. Pet insurance protects your family from that financial shock.
Premiums rise as your pet ages
The younger and healthier your pet when you take out cover, the lower your premium. Waiting means higher costs and the risk of pre-existing conditions being excluded.
Not all policies are equal
Lifetime cover, annual limits, per-condition limits and excesses vary enormously between providers. A specialist can explain the differences clearly.
Specialist providers you can trust
Every provider on the MomPlans network is independently authorised and regulated. MomPlans is a free introductory service and does not provide insurance advice.
What we guarantee
Three steps to protecting your pet
Tell us about your pet
Answer a few questions about your pet's species, breed, age and your postcode. It takes under 3 minutes.
We match you with a specialist
MomPlans identifies the specialist pet insurance provider best suited to your pet's profile and connects you within 48 hours.
Review your options
Your specialist compares policies from leading UK pet insurers and explains every option in plain English, with no pressure.
They chose the right cover for their pets.
"Our Labrador needed emergency surgery last year. Because we had lifetime cover arranged through MomPlans, the vet bill was covered and we could focus on getting her well again."
"I had no idea how different pet insurance policies could be. The specialist explained lifetime versus annual limit cover so clearly. I finally feel confident we have the right protection."
"My collie was diagnosed with a long-term condition. MomPlans helped me find lifetime cover that keeps paying year after year. I wish I had sorted it sooner."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
Specialist providers only
Every provider we work with is independently authorised and regulated. You can verify their registration on the FCA register at fca.org.uk.
Whole-of-market options
Our network compares policies from all major UK pet insurers, not just one provider. You receive the option that fits your pet best.
Your data is protected
MomPlans is fully compliant with UK GDPR. We never share your data without your explicit written consent.
No pressure, ever
You are never obliged to take out a policy. Your specialist will answer all your questions and you decide freely on next steps.
Your questions answered
What types of pet insurance are available in the UK?+
The main types are lifetime cover (which pays for ongoing conditions year after year up to an annual limit), annual or time-limited cover (which covers a condition for one year or up to a set amount), and accident-only cover (which covers injuries but not illness). Lifetime cover is generally the most comprehensive and is especially important for breeds prone to hereditary conditions.
What does pet insurance typically cover?+
Most comprehensive policies cover vet fees for illness and injury, surgery, hospitalisation, diagnostic tests and prescribed medication. Many also include third-party liability for dog owners, complementary treatments and emergency boarding. Always check the policy wording carefully, as exclusions vary.
Are pre-existing conditions covered?+
In most cases, pre-existing conditions are excluded from new pet insurance policies. This is why it is important to insure your pet while they are young and healthy. A specialist can advise which providers have more flexible underwriting for certain conditions.
Does breed affect my premium?+
Yes. Certain breeds are statistically more prone to specific health conditions and this is reflected in premiums. For example, flat-faced breeds such as French Bulldogs and Persian cats often face higher premiums due to respiratory and other hereditary risks. A specialist can compare quotes across providers to find the most competitive premium for your pet's breed.
Can I insure an older pet?+
Most providers have an upper age limit for new policies, typically around 8 to 10 years for dogs and 10 years for cats, though this varies. If your pet is older, it is still worth speaking to a specialist as some providers cater specifically for senior pets.
Is MomPlans a pet insurance provider?+
No. MomPlans is a free introductory service connecting you with specialist pet insurance providers. We do not provide insurance or insurance advice ourselves. Every provider we introduce you to is independently authorised and regulated.
Your pet deserves the right protection. Let us help you find it.
MomPlans matches you with specialist pet insurance providers who will compare the whole market and explain every option clearly. Free, with no obligation.
- Free comparison service
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- Whole-of-market options
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- No obligation
MomPlans is not an insurer and does not provide insurance advice. MomPlans is a free introductory service connecting you with specialist pet insurance providers. MomPlans is not authorised or regulated by the Financial Conduct Authority (FCA). Our partners are independently authorised and regulated. You can verify the status of any provider on the FCA register at fca.org.uk.