The specific features included in pet insurance policies have grown increasingly diverse in the UK. Petplan and Agria, for example, offer extensive coverage for conditions such as arthritis, cancer, and hereditary illnesses that may affect older dogs or pedigree cats. Many insurers, including Lifetime Pet Cover and Direct Line, provide added travel protection within the EU, ideal for jet-setting pet families or those moving between the UK and Europe.

ManyPets and Animal Friends are notable for their digital features, such as streamlined claim apps and customer support via live chat. These innovations save time and give owners more transparency about the status of their claims. Dental cover is another growing benefit, especially for dog owners, with Fetch and M&S frequently including treatment for dental accidents and illnesses as part of their standard policies.
Third-party liability is an important feature for dog owners in the UK, often included as standard with policies from Sainsbury’s Bank, Direct Line, and others. This can be particularly critical for breeds with energetic temperaments or those frequently off-lead in public areas. Boarding fees, lost pet advertising, and multi-pet discounts are among the popular extras that set certain policies apart and ensure the insurance is not only about emergencies, but all-around support for pet families.
Policy features continue to evolve in response to client needs and market competition. As insurers compete to attract and retain UK pet families, customers benefit from more inclusive and innovative protection for their dogs and cats.