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How Much To Insure Your Pet? The Cost of UK’s Top 10 Cats and Dogs Revealed

The UK’s top 10 cat and dog types revealed and how much they cost to insure

The UK is a nation of animal lovers, with almost three in five (59%) households having a pet, and ownership of cats and dogs increasing to an estimated 24 million during the pandemic1. We clearly care for their welfare too, as Brits are the third most likely nation to insure their dogs, and second most likely for cats2

Labradors are leading the way in the most popular dogs list for dog owners, followed by the adorable French Bulldog and Cocker Spaniel. Based on the research, the Domestic shorthair is the most popular cat amongst Brits, followed by moggies and the British Shorthair.

Latest research from comparethemarket.com reveals the most popular types of cats and dogs chosen as companions over recent years, and the average cost of insuring them.

Top 10 Dogs and the average cost to insure UK


Labrador – £244.81 

Labradors are considered to be one of the most popular dog breeds in the world. They are known for being gentle, friendly, and intelligent. They are also known for being easy to train and good with children.

However, Labradors do have some health issues that need to be covered by insurance. Some common health problems for Labradors include hip dysplasia, eye problems, and cancer. It is important to make sure that your Labrador is insured against these health problems in order to ensure that you are able to provide the best possible care for your pet.

labrador

French Bulldog -£485.27 

One of the things that makes French Bulldogs so loveable is their playful nature. They love to play fetch and tug-of-war, and they always seem to have a smile on their face. They are also very tolerant of children and other animals, which makes them great pets for families with children or other pets. 

Health issues for French Bulldogs that need insurance cover:

French Bulldogs are prone to a number of health issues that can require expensive veterinary treatment. Some of these conditions include:

  • respiratory problems (BOAS)
  • eye problems
  • hip dysplasia
  • skin disorders
  • gastrointestinal problems
  • IVDD

Because of the potential for these health issues to arise, it is important for French Bulldog owners to have pet insurance coverage in case of an emergency. Without insurance, costly medical bills could quickly mount up.

french bulldog

Cocker Spaniel – £209.09 

Cocker Spaniels are playful and loving dogs that are great for families. They are a very active breed and need daily exercise, so they are not the best choice for people who lead sedentary lifestyles. Cocker Spaniels make excellent pets because they are very intelligent and easy to train. They are also very loyal and protective of their family members.

Cocker Spaniels are a breed of dog that is particularly prone to a number of health problems, which is why it is important to have pet insurance for them. Some of the most common health issues for Cocker Spaniels include ear infections, hip dysplasia, and eye problems. These health problems can be very expensive to treat, so it is important to have insurance coverage in case your dog needs medical care.

cocker spaniel

Border Collie – £186.27 

Border collies are known for their intelligence, athleticism, and obedience. Border collies are bred to be working dogs, and they love to have a job to do. They are very loyal to their owners and make great pets.

Border collies are high-energy dogs and need plenty of exercise. They are happiest when they have a lot of activity to keep them busy. If you’re not prepared to give your border collie a lot of exercise, then this may not be the breed for you. Border collies are also very smart. They can learn tricks and commands very quickly.

Health issues for border collies that need insurance cover include:

  • – Collie Eye Anomaly (CEA) – a genetic eye disorder that can cause blindness
  • Hip dysplasia – a condition in which the hip joint doesn’t fit properly into the socket, which can lead to arthritis and lameness
  • Epilepsy – a neurological disorder that can cause seizures

These are just a few of the health conditions that may affect border collies. It’s important to research the health of any breed of dog before you decide to adopt one. And if you do choose a border collie, be sure to get pet insurance to help cover the costs of any potential health problems.

border collie

Staffordshire Bull Terrier – £258.45 

The Staffordshire Bull Terrier is known for being a very friendly and outgoing dog. They love spending time with their families and are always up for a game of fetch or tug-of-war. They are also very protective of their loved ones and will bark and growl to warn off any strangers. 

Staffordshire bull terriers are very intelligent dogs but can be challenging to train. They learn things quickly, but once they have learned something they won’t necessarily do it when you ask them to do it. This also means that if your Staffordshire Bull Terrier doesn’t like the way you’re training them then they will just refuse and completely.

staff

German Shepherd – £280.28 

The German Shepherd is a breed of dog that is known for its bravery, intelligence, and strength. They are often used as police dogs, seeing as they are so good at tracking and apprehending criminals. They are also very loyal to their owners and make great family pets. 

A German shepherd has a very strong personality. They are often described as having the perfect combination of brains and brawns. These dogs require a lot of attention from their owners, so they can be difficult to deal with if they become bored. If a German Shepherd feels neglected or is left alone for too long, it can lead to destructive behaviour. German Shepherds are very intelligent and often challenge their owners in a game of mental stimulation. They can be a handful for inexperienced owners, but they are a great breed to have if you’ve got the time and patience to give them what they need!

German Shepherds are a popular breed of dog, but they are also prone to a number of health problems that can often require expensive veterinary treatment. Some of the most common health issues that German Shepherds suffer from include hip dysplasia, elbow dysplasia, and bloat. All of these conditions can require expensive surgery or other forms of treatment, so it’s important to have insurance cover for your German Shepherd in case something happens.

Insurance for a German Shepherd can often be quite expensive, but it’s well worth it to know that you’re covered should anything happen. There are a number of different insurers that offer cover for this breed, so it’s worth shopping around to find the best deal. 

german shepherd

English Springer Spaniel – £257.39

English Springer Spaniels are active dogs that love to play fetch and run around. They are also very loving and make great pets for families with children. English Springer Spaniels are loyal and protective of their family, and they will always be happy to see you. They are also very intelligent dogs and can learn quickly. These dogs are great family pets, but they should be supervised around small children. Some English Springer Spaniels have been known to nip at kids when excited or trying to play. If you are looking for a loyal companion then an English Springer Spaniel may be the right dog for you.

As with all breeds of dogs, the English Springer Spaniel is susceptible to a number of health problems that may require veterinary care. Some of the health issues that may require insurance coverage for the English Springer Spaniel include:

  • Hip dysplasia
  • Progressive Retinal Atrophy (PRA)
  • Epilepsy
  • Glaucoma
English springer spaniel

Jack Russell Terrier – £170.97 

Jack Russell terriers are spunky, active dogs that love to play and have a lot of energy. They are very friendly and make great family pets. Jack Russells are also very intelligent and can be trained to do tricks. They can be a little bit headstrong, so they need owners who are confident and know how to handle them. They need a lot of attention and love to be included in family activities.

Jack Russell terriers are not the best dogs for first time owners, as they have a lot of energy and can sometimes be difficult to handle. They also have a mind of their own and need an owner who is strong enough to establish rules and stick to them!

The Jack Russell terrier is prone to a number of health issues that may require insurance cover. These include eye problems, epilepsy and heart problems.

jack russell

Shih Tzu – £179.25

The Shih Tzu is a small dog breed that is known for its playful and friendly personality. They make great pets for families with children and are typically easy to train. Shih Tzus are also very loyal to their owners and will often follow them around the house. They are a relatively low-maintenance breed, requiring only occasional brushing and grooming. 

Shih Tzus are a relatively healthy breed, but they can sometimes be prone to health problems such as eye infections, skin allergies, and knee problems. Because of this, it is important for Shih Tzu owners to have pet insurance to help cover the costs of any necessary medical care.

shih tau

Dachshund (Miniature Smooth-Haired) – £239.11 

Dachshunds are a popular breed of dog, known for their friendly and playful personalities. They are often used as therapy dogs because of their loving nature. Dachshunds are also very intelligent and can be easily trained. Because of their small legs, they cannot run as fast as dogs with longer legs. They also tend to bark a lot and can be stubborn sometimes. Dachshunds were bred for hunting, so it is instinctive for them to dig holes and follow scents. 

Dachshunds are prone to a number of health problems, including spinal issues, joint problems, and diabetes. They also have a high risk of getting cancer.  Dachshunds are susceptible to slipped discs, which can require expensive surgery, they are also one of the breeds most likely to suffer from heart murmurs. Because of these health risks, it is important for dachshund owners to insure their pets.

dachshund

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Top 10 Cats and the average cost to insure UK

Domestic shorthair cat – £104.97 

A domestic shorthair cat is typically docile, making them a good pet for households with children. They are also relatively low-maintenance, requiring only a moderate amount of exercise and only needing to be groomed once a week. Domestic shorthairs come in a variety of colors and patterns, making them one of the most popular breeds of cats. The domestic shorthair cat has a life expectancy that averages around 15 years. They are considered a long-lived breed of cat that lives relatively healthy lives, making them an ideal pet for house pets.

One of the main health concerns for domestic shorthair cats is that they are prone to developing various health issues. For this reason, it is important to have pet insurance for your cat in case they need treatment for a health issue. Some of the most common health issues that domestic shorthairs are prone to include:

  • Cancer: Domestic shorthairs are at risk for developing various types of cancer, including lymphoma and leukemia.
  • Heart disease: Domestic shorthairs are also at risk for developing heart disease, which can lead to serious health complications.
  • Eye problems: Cats are susceptible to a number of eye problems, including cataracts, glaucoma, and uveitis.
  • Urinary tract problems: Cats can also develop various urinary tract problems.
domestic shorthair

Moggie –  £111.82

Moggies, or domestic cats, come in a variety of shapes and sizes, but they all have one common ancestor – the wildcat. They are generally smaller than other breeds of cats, and they have a sleek, muscular build. They are also very agile and can jump high and run fast.

Moggies are known for their independent nature – they are not as dependent on their human companions as other breeds of cats. They are also very curious and playful, and they love to explore their surroundings. They can be quite vocal, and they often communicate with their owners by meowing or purring.

Moggies make good pets for people who lead active lifestyles, as they don’t require a lot of attention. 

Moggie cats are known for their independent nature and playful personalities, but they can also be prone to health problems. Because they are not as dependent on their human companions as other breeds of cats, they can often be overlooked when it comes to getting regular check-ups and preventive care. This can lead to serious health problems down the road.

Moggie cats should have health insurance to protect them from expensive vet bills in the event that they do get sick or injured. Vet bills for moggie cats can often run into the hundreds or even thousands of pounds, so it’s important to have a good pet insurance policy in place.

moggie

British Shorthair – £117.76 

British Shorthair cats are known for their calm, easy-going demeanor and their love of resting. They tend to be quite independent, but they also enjoy the company of their human family members. British Shorthairs are generally healthy cats and don’t require a lot of exercise, making them perfect for those who lead a busy lifestyle. 

British Shorthair cats are generally healthy animals, but there are a few health issues that can affect them. One such issue is hypertrophic cardiomyopathy, a heart condition that can cause heart failure. Another common problem for British Shorthairs is obesity, which can lead to health problems such as diabetes and joint problems. Because of these potential health risks, it’s important for British Shorthair owners to ensure that their cats have insurance coverage.

british shorthair

Shorthair tabby – £109.28 

Shorthair tabby cats are known for their playful and mischievous personalities. They are often very active and enjoy playing games with their owners. They also tend to be very curious, and are always exploring their surroundings. Shorthair tabbies are usually very friendly and affectionate, and love spending time with their families.

One health issue that shorthair tabby cats need insurance for is obesity. Overweight cats are at risk for developing a number of serious health problems, such as diabetes, heart disease, and arthritis. Owners of overweight cats should work with their veterinarians to develop a weight loss plan for their pet.

shorthair tabby

Mixed breed – £102.34 

Mixed breed cats are typically known for being loving and loyal companions. They often form strong bonds with their owners and can be very affectionate. Mixed breed cats are also usually quite playful, and love to explore their surroundings. They can be a bit mischievous at times, but this is generally just in an attempt to get attention. Mixed breed cats are typically quite friendly and sociable, and tend to get along well with other pets in the home.

Mixed breed cats are also more likely to suffer from health problems, which is why it’s important to have insurance for them. Because they aren’t bred for specific traits, mixed breed cats are more likely to inherit genetic health conditions from their parents. 

mixed breed

Ragdoll – £118.10 

Ragdoll cats are a popular breed of domestic cat. They are known for their docile and placid nature, and many people believe that they are one of the easiest cats to handle. Ragdolls are typically quite large, and they often have a long coat that can be a variety of colors. They are generally considered to be a very friendly breed, and they make good pets for families with children.

However, ragdolls can also be prone to a number of health problems, which is why it’s important to get insurance for them. 

rag doll

Shorthair black and white – £109.65 

Shorthair black and white cats are generally considered to be friendly and outgoing. They are often very social and enjoy interacting with their owners and other pets. They are also very intelligent, and can be trained to a leash for walks. Unlike some other types of cats, shorthair black and white cats enjoy being around children and can adapt well to a household with small children.

Shorthair black and white cats have dense coats that do not require much grooming or maintenance, but they should still be brushed regularly to reduce hairballs and keep their coats shiny.

Shorthair black and white cats are also very active, playful pets that require lots of attention from their owners. They may be more active than some other types of cats, but this should not necessarily be seen as a bad thing as they can provide hours of entertainment for their owners indoors.

Shorthair black and white cats are generally healthy, but like all cats, they are at risk for certain health issues that may require insurance coverage. Some of the most common health problems shorthair black and white cats face include:

  • Urinary tract infections: cats are susceptible to urinary tract infections because of their anatomy, and shorthair black and white cats are no exception. If left untreated, these infections can lead to more serious health problems.
  • Diabetes: Diabetes is a serious disease that can affect any breed of cat, and shorthair black and white cats are no exception. Diabetes can be managed with diet and medication, but if left untreated it can be deadly.
  • Heart disease: heart disease is another serious problem that can affect any type of cat. Many breeds are predisposed to heart disease, and shorthair black and white cats are no exception.
  • Feline Hyperesthesia Syndrome:  This is an extreme sensitivity in an area of a cat’s skin, almost always on the back, and often in the area right in front of the tail. 
shorthair black and white

Shorthair black – £108.55

Shorthair black cats are independent creatures that love to be by themselves. They are typically not as cuddly as other cat breeds and can be quite aloof. However, they make up for it with their intelligence and playful personalities. Shorthair black cats are also very good at hunting and make great house pets for families with rodent problems.

While shorthair black cats are generally healthy animals, they can sometimes be prone to health problems. Some of the most common health issues that shorthair black cats face include eye problems, hip dysplasia, and skin allergies. Because of this, it is important for shorthair black cat owners to have pet insurance to help cover the costs of any necessary medical treatments.

shorthair

Domestic longhair – £110.53 

One of the most popular breeds of cats, the Domestic Longhair is known for its calm and easy-going temperament. They tend to get along well with other pets and people, making them a great choice for households with kids or other animals. Domestic Longhairs are also relatively low-maintenance cats, requiring only a moderate amount of exercise and grooming.

As with any breed of cat, Domestic Longhairs are susceptible to certain health problems. Some of the most common health issues that these cats face include:

  • Problems with the urinary tract
  • Respiratory problems
  • Allergies
  • Ear infections
  • Heart disease

Because of these potential health risks, it’s important for owners of Domestic Longhair cats to have pet insurance coverage. This will help to ensure that you’re able to provide your cat with the best possible care in the event that he or she falls ill.

domestic longhair

Domestic semi-longhair – £108.02

Domestic semi-longhair cats are a breed of domesticated cat that is known for its long hair. They are also known for being calm and gentle animals. These traits are what made them popular in the 19th century. They are often compared to dogs, because they are also domesticated animals that are known for being loyal.

One of the main reasons why individuals choose to have a domestic semi-longhair as a pet is because they are seen as great company. The cat will be very loyal to its owner, and will also protect them if it senses danger. This makes the domestic semi-longhair cat an ideal choice for individuals who are generally on their own. They are known for being very calm animals, which can make living with them easy even for people who are not used to having pets in the house.

The health issues that domestic semi-longhair cats face are mainly due to their long hair. Because the hair hangs down, it can often become matted and dirty. This can lead to a number of health problems, including skin infections, hairballs, and fleas. All of these health issues can be expensive to treat, which is why it is important for cat owners to have pet insurance for their furry friends.

One of the main health concerns for domestic semi-longhair cats is dental problems. The long hair often gets caught in the teeth, which can cause gingivitis and other dental issues. These problems can be very expensive to fix, so it is important for cat owners to make sure they are cat dental insurance is up to date.

Cats are also susceptible to the feline version of Alzheimer’s disease, which is known as Feline Cognitive Dysfunction. This is very similar disease to Alzheimer’s that affects humans, and can cause domesticated cats to suffer from memory loss and confusion. 

Among UK pet owners, the main reason for owning a pet is that they make us happy3and with a record number4 of Brits welcoming a new four-legged friend into their homes over the past year, plenty of owners may be faced with unexpected expenses.

domestic semi-longhair

Love Your Pet Day

Mubina Pirmohamed, pet insurance expert at comparethemarket.com, explains: 

“Love Your Pet Day, celebrated on 20th February, is a great day to showcase our love for our furry friends. It’s also a strong reminder to do some pet-admin and making sure you have the right pet insurance should be top of the to-do list.”

If you’re looking to get a pet, or simply reviewing your insurance policy for an existing pet, Mubina offers five helpful cost-saving tips below: 

Do your research

Before committing to a pet, you need to consider which breed or type of pet is best for you and your family. Some do have breed-specific or genetic illnesses. Size, age, breed, and any pre-existing medical conditions could affect your insurance cover.

Compare pet insurance quotes 

This is one of the quickest ways to save money on your pet insurance. Our pet insurance comparison service allows you to compare quotes from a wide range of insurance providers to help you to find the right cover that protects your pet.  

Consider policies with a percentage of co-pay towards claims 

Consider policies that have a percentage of co-pay towards claims but make sure it fits within what you can afford in the event if you do need to make a claim. 

Keep your pet healthy

While it may seem obvious, looking after your pet properly could save you on a number of trips to the vet. This includes ongoing costs such as ensuring they’re up to date on any vaccinations or annual boosters, to keeping them on a healthy diet that suits their needs. You should also lookout for signs of fleas or worms, to avoid more serious conditions developing. 

Spaying or neutering 

Neutering or spaying your pet can potentially lower your premiums. This is because it reduces the chance of your pet developing various conditions, and also makes them less likely to stray. 

For more insight on pet insurance or for further tips on how to save costs, head over tohttps://www.comparethemarket.com/pet-insurance/content/pet-insurance-cost/.  

Get a quote for pet insurance

Wrapping up

When it comes to owning a pet, one of the most important things to budget for is pet insurance. This is especially true if you have a breed of pet that is known to be susceptible to health problems. 

Having pet insurance will help you to cover the costs of any necessary medical treatments your pet may need. This can be invaluable in cases where your pet becomes ill or needs surgery. 

It is also important to budget for other expenses involved in owning a pet, such as food, toys, and vet bills. By planning ahead, you can make sure that you are able to provide your pet with the best possible care.

Read more about pet insurance:

References

Data was sourced from comparethemarket.com between January 2020 and December 2021 for people buying pet insurance.

Where ‘type’ is referred to, this can be breed or pet type i.e. colour or characteristics

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