Vet bills have outrun general inflation for years, and pet insurers have passed the cost straight to premiums. Here's what's actually worth doing about it.
If your dog's annual lifetime insurance renewal landed at £820 this spring, you weren't alone — average UK pet lifetime premiums rose 91% between January 2024 and April 2026. Two products are quietly taking the market, and one of them is older than the lifetime policy itself.
From £4,500 cruciate surgery to lifetime arthritis bills, here is how UK pet insurance really works in 2026 — and the excess traps that catch owners.
Vet bills have doubled in five years. But pet insurance has its own problems. Here is how to decide.
Why Pet Insurance Matters Veterinary costs in the UK have risen sharply in recent years. A single emergency operation can