What affects the price
Insurers look at species, breed, age, postcode, medical history and policy type. A young crossbreed cat may cost much less to insure than an older large-breed dog. A higher vet fee limit and lifetime cover usually cost more than basic accident-only cover.
Breed and age
Breed matters because some animals are more likely to need treatment for particular conditions. Age matters because older pets claim more often. This is why premiums usually rise at renewal even if you have not claimed.
Location and vet costs
Vet fees are not identical across the UK. Where you live can affect pricing because claims costs differ by area. Rising veterinary costs also feed into premiums across the market.
Typical ranges
There is no single reliable average that applies to every pet. Some basic policies are relatively inexpensive each month, while comprehensive lifetime cover for older or higher-risk pets can be much more. The today's prices page gives live-style examples using fixed pet profiles.