Every week we collect real quotes from ten pet insurers using six fixed profiles, entering the same details on every insurer's website so the quote inputs stay consistent. This is our first full week collecting across all six profiles, so there's no movement to report yet. What we do have is a clear first snapshot of just how wide the gaps between insurers can be.
The price range is wider than you might expect
For Elvis, our two-year-old Maine Coon in Bristol, British Pet Insurance quoted under £20 a month while Agria came in at over £86. That's the same cat, the same cover type and the same postcode. Part of that difference reflects different cover limits and excess amounts, but even accounting for that, the gap is striking.
It's a pattern that shows up across all six profiles. For Tori, our seven-year-old Mongrel in Manchester, the monthly quotes ranged from around £34 to over £114. For Bob, our French Bulldog puppy in Oxford, the range was similarly wide. Pet insurance is not a commodity where you can assume prices are roughly similar and just pick the one with the nicest website.
A smaller monthly price doesn't always tell the whole story
Some of the smaller monthly quotes in this week's data come with a higher excess than our profile specifies. Admiral's quote for Star, our seven-year-old Siamese in Birmingham, looks reasonable at first glance, but carries a £199 excess against our target of £100. That extra £99 stays in your pocket until you claim, and then it comes out of it. We flag those quotes in the price table so they're easy to spot.
Co-payment is already active on some quotes
For Star, two insurers are already applying a 20% co-payment at quote stage. Purely Pets and ManyPets both include co-payment as a condition for cats past a certain age, and Star is past that point. Co-payment means that on top of your excess, you contribute 20% of the remaining bill before your insurer covers the rest. It is legal, it is increasingly common, and it can make a significant difference to what you actually pay when something goes wrong.
We flag active co-payment in the price table. It is worth checking before you buy, not after.
What's next
We will collect a fresh set of quotes every week and build up a picture of how prices move over time. If anything shifts noticeably, we will write about it here.
You can see all six profiles and this week's full price data on the Today's Prices page.
This article is for general information only and does not constitute advice of any kind. Prices shown were collected for fixed fictional profiles on 19 May 2026. Your quote will differ.