Have been with Healthy Pets many times over the years. Have always found them up there with the most competitive quotes for the cover provided. I do move away every year or two as with all insurance c... See more
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Review summary
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My pet has been insured with Healthy Pets since 2021. As a rescue from Crete with mixed heritage she has enjoyed a fairly untroubled intoduction to the UK. Apart from a disgnosis of Giardia in her... See more
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Good service. Their cat insurance policy prices are presently cheaper than many other insurers at the moment. Their customer services are easy to get hold of if I have any queries. They process clai... See more
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I received my new quote for my cats health insurance, but found it had increased. I phoned to query this & spoke to a really helpful member of staff. She explained why it had gone up & between us we s... See more
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Company details
Written by the company
Healthy Pets Insurance was founded in 1996 by Mark Effenberg, as Chief Executive of a pet-loving business insuring the UK's cats and dogs. Today, Healthy Pets, which was founded before Google, is an established participant in the £1 billion-plus UK pet insurance market. Based in Petersfield, Hampshire Decades on, the fact that we are a leader in online insurance and know how pet owners think gives Healthy Pets Insurance, as of 2017 part of The Ardonagh Group of companies, a distinct advantage. We talk cats and dogs, and we truly understand that pets really are members of the family. Being internet-based with a team of understanding pet specialists available over the phone, means we can offer high-quality cover at more than competitive prices. Because we are efficient, agile and specialist, and we know pets and their needs from our own experience, Healthy Pets has one of the highest renewal rates in the pet insurance industry because, in our view, whether it's the opening contact or dealing with a complex claim, we know how important it is not just to hear our customers, but to listen to every woof and meow. Mark has always been a dog owner, and it was his experiences as a "pet parent" back in the mid-1990s that caused him to establish Healthy Pets Insurance - for the simple reason that he could not find an insurer at the time who truly understood the bond between a dog and its owner, and, speaking to friends, he found it was much the case with cats too.
Contact info
No.6 Ridgeway Office Park, Bedford Road, GU32 3QF, Petersfield, United Kingdom
- 01730 268592
- heretohelp@healthy-pets.co.uk
- www.healthy-pets.co.uk
4.5
Excellent
4K reviews
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Great value …
After being quoted an extortionate renewal price from my existing insurer, healthy pets was half the price for almost identical cover. It has choice of cover from basic to lifetime cover, which I have chosen. Hopefully I won’t need to experience their claims service.
July 11, 2026
Reply from Healthy Pets Insurance
Thank you for taking the time to leave us a review.
We're delighted to hear you found great value with our cover and that you were able to choose the level of protection that best suited your needs. We hope you never need to make a claim, but if you do, we're committed to providing you with the support you need.
If you have any further questions or need assistance with your insurance, please don't hesitate to reach out. Our team will be happy to help.
Kind regards,
Rachel @ Healthy Pets
Reply from Healthy Pets Insurance
Thank you for taking the time to leave a review.
We're delighted to hear that you had a positive experience and felt you received great value from our service.
If you have any questions or need any support, please reach out to the team who will be happy to help.
Kind regards,
Karl @ Healthy Pets
Good price / service /cover
July 6, 2026
Reply from Healthy Pets Insurance
Thank you for your 5 star review!
We're delighted to hear that you were happy with our price, service, and cover. Your feedback is greatly appreciated, and we're pleased we could meet your expectations.
If you have any further questions or need assistance with your insurance, please don't hesitate to reach out!
Kind regards,
Laura @ Healthy Pets
Reply from Healthy Pets Insurance
Thank you so much for your review. We're really happy to hear you received very good customer service and got a really good price too.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards,
Leanne @ Healthy Pets
Excellent cover offered for an…
Excellent cover offered for an extremely reasonable price. Clear, easy to use website/portal.
Of course, one knows how good an insurance company is only when one needs to make a claim. With any luck I won't need to find out!
July 6, 2026
Reply from Healthy Pets Insurance
Thank you so much for your great review. We are thrilled you found our website easy to use and got excellent cover for a reasonable price.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards,
Leanne @ Healthy Pets
East to get information and prices for…
East to get information and prices for the pet very reasonable
July 4, 2026
Reply from Healthy Pets Insurance
Thank you for sharing your feedback with us. It is great to hear that you found it easy to get information and that our pet prices were very reasonable for you.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards,
Leanne @ Healthy Pets
A great price for great cover
A great price for great cover. Luckily I have never had to call up on their services but I have all the information to hand if I do.
They offer a good discount to new customers only, so the only negative thing I would say was rather than reward loyalty, I had to cancel last years cover and take out a brand new policy to get the good price, but was only 10 minutes of admin.
July 6, 2026
Reply from Healthy Pets Insurance
Thank you for your detailed review! We're delighted to hear you're happy with the value and level of cover you've received. It's great to know you have all the information you need, should you ever require our assistance. We also appreciate your feedback regarding pricing for new and existing customers. Your comments are valuable and will be taken on board as we continue to review our products and services. Thank you for choosing us, and we look forward to supporting you in the future.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards, Vicky @ Healthy Pets Insurance
Reply from Healthy Pets Insurance
Thank you for your kind review! We're really pleased to hear you're happy with both the product and the price. We appreciate your feedback and look forward to helping you again in the future.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards, Vicky @ Healthy Pets Insurance.
Very happy all these years
Very happy all these years. Customer service excellent! In fact you can even speak to them very easily on the phone, which is very rare nowadays. They are reachable. Highly recommended!!
July 1, 2026
Reply from Healthy Pets Insurance
Thank you so much for your wonderful review and for your loyalty over the years! We're delighted to hear that you've consistently been happy with our service. It's especially rewarding to know that our customer service and the ability to speak to our team easily by phone have made such a positive difference. Your recommendation means a great deal to us, and we look forward to continuing to support you for many more years to come.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards, Vicky @ Healthy Pets Insurance
Very helpful and competitive prices for…
Very helpful and competitive prices for insurance
July 3, 2026
Reply from Healthy Pets Insurance
Thank you for your kind review! We're delighted to hear that you found our team helpful and our insurance prices competitive. We really appreciate your feedback and thank you for choosing us. We look forward to helping you again in the future.
If you have any questions or need any support, please reach out to the team, who will be happy to help.
Kind regards, Vicky @ Healthy Pets Insurance.
They offered an extremely competitive…
They offered an extremely competitive price, where it was easy to see different levels of cover and features (such as co-pay, higher and lower cover amounts, etc). Couldn't have been easier to take out the policy, although I've not made any claims so can't speak to how straightforward that process is.
July 1, 2026
Reply from Healthy Pets Insurance
Thank you for your great feedback!
We’re really pleased to hear you found the pricing competitive and the different cover options clear and easy to compare.
We hope you continue to feel confident with your policy, and if you ever do need to make a claim, our team will be here to support you every step of the way.
If you have any further questions or need assistance with your insurance, please don't hesitate to reach out!
Kind regards,
Laura @ Healthy Pets
Exhorbitant increases. Has gone by 6x in in 4 years. I feel trapped
Avoid Healthy Pets. I've been a customer for 5 years, insuring my cat from age ~5. Like many, I was drawn in by competitive early premiums and promises of good service - but what has followed is a pattern of exorbitant, non-transparent annual increases, that feels designed to force owners from renewing. It has had the impact of me seriously considering whether I can afford to keep this policy, particular as my cat ages and has been unwell.
My premium has increased approximately 100% every year for the last 4 years. Over five years, that's a 533% increase. My cat is approaching 10 and has a long-term condition, meaning I cannot switch insurer without losing all cover for her existing conditions.
My first claim was three years in. That was used to double my premium. The next year, her age was used as a factor to double the premium. About a year ago, she was diagnosed with a long-term condition. Again, the premium doubled.
I have been told that the renewal price is fixed and non-negotiable, and that they cannot explain exactly how it is calculated. I have formally escalated the complaints and I get the same unhelpful response.
Most recently, they incorrectly classified my cat's single condition as two separate conditions during premium renewal - resulting in exhorbitant increases. Despite my vet confirming in writing this is a single condition, Healthy Pets have refused to explain how they will adjust the risk profile and therefore the premiums, despite making several complaints.
The pattern is clear: low premiums to attract young, healthy animals, steep annual increases as they age, and an opaque pricing structure that cannot be questioned or challenged.
I feel very trapped - I need to pay whatever they demand or I lose all cover. I cannot at this point change providers given that my cat is nearly 10.
My cat's insurance now costs more per month than my own health insurance.
April 1, 2026
Unprompted review
Reply from Healthy Pets Insurance
Thank you for taking the time to share your experience. We completely understand your frustration with the rising premiums, especially when caring for an aging and unwell pet. It’s important that insurance remains affordable and transparent.
We would like to investigate this further and have requested additional information via Trustpilot. Please can you provide this information so we can address your concerns.
Update: 02/07 - Thank you for providing your details. I have escalated your concerns to our complaints team who will be in contact directly with you to discuss this further.
Kind regards,
Darren @ Healthy Pets
Great value for money and cover…
Great value for money and cover provided the best I have seen.
June 29, 2026
Reply from Healthy Pets Insurance
Hi Donna,
Thank you for the great feedback!
We are delighted to hear that renewing your policy was simple, straightforward, and hassle-free.
If you have any questions or need any support, please reach out to the team who will be happy to help
Kind regards,
Leanne @ Healthy Pets
Very easy to set up policy
Very easy to set up policy. Feel confident when we need them it will be a good service
June 16, 2026
Reply from Healthy Pets Insurance
Thank you for taking the time to leave us a review.
We're pleased to hear that setting up your policy was easy and straightforward. It's great to know that you feel confident in the service we provide, and we appreciate you choosing us for your insurance.
If you have any further questions or need assistance with your insurance, please don't hesitate to reach out to the team, who will be happy to help.
Kind regards,
Rachel @ Healthy Pets
I had cause to contact Health Pets
I had cause to contact Health Pets. They are very quick at answering emails, which is great these days. They were very helpful and resolved my issue.
June 5, 2026
Reply from Healthy Pets Insurance
Thank you for taking the time to share your positive experience with Healthy Pets. I’m glad to hear that their team was quick to respond and helpful in resolving your issue. If there’s anything further we can assist you with, please don’t hesitate to let us know.
Kind regards,
Chris @ Healthy Pets
Good
Good service fair prices but there website didn’t always work in places (choseing cover page) and would lag
June 21, 2026
Reply from Healthy Pets Insurance
Thank you for your feedback and for choosing Healthy Pets. We're glad to hear you found our service good and our prices fair. We apologise for the inconvenience you experienced with our website, especially with the cover page selection and the lagging issues. Your comments are important to us, and we will share them with our technical team to help improve the online experience.
If you need any further assistance or have additional feedback, please feel free to reach out.
Kind regards,
Chris @ Healthy Pets
Reply from Healthy Pets Insurance
Thank you for your kind feedback! We're delighted to hear that you found our site easy to use and understand. If you need any further assistance or anything else, please don't hesitate to get in touch.
Kind regards,
Chris @ Healthy Pets
I was already a customer and had to…
I was already a customer and had to take out a new policy to get the same deal £40 cheaper.
I have four cats with you so why don’t I get the same price as a new customer.
June 19, 2026
Reply from Healthy Pets Insurance
Thanks for taking the time to leave a review. We understand that seeing a higher renewal premium can be disappointing, and we appreciate you taking the time to share your concerns.
Renewal prices are calculated based on your pet’s age, any signs or symptoms noted in their clinical history during the time they’ve been covered, and the rising cost of veterinary care — which has increased significantly over the past year. These factors help ensure your pet continues to receive comprehensive cover without interruption.
New policies benefit from a 20% introductory discount, but please note they come with waiting periods (48 hours for accidents and 10 days for illnesses) and won’t cover any pre-existing conditions. These include any signs or symptoms recorded in your pet’s medical history, even if no treatment was required.
We’re here to help you find the best option for your pet’s needs — feel free to reach out and we’ll be happy to assist.
Kind regards,
Chris @ Healthy Pets
So helpful and knowledgeable and gave…
So helpful and knowledgeable and gave me a good quote x
June 23, 2026
Reply from Healthy Pets Insurance
Thank you for your lovely feedback! I’m pleased to hear you found the quote helpful and the information useful. If there’s anything else you need or any questions about your policy, feel free to get in touch anytime.
Kind regards,
Darren @ Healthy Pets
Completing the insurance quote online…
Completing the insurance quote online took a bit of practice to ensure you selected the correct cover but once I got used to it was ok. It would help if you could provide a summary of all the information provided and allow it to be amended before agreeing to purchase and completing the Direct debit/ bank information
June 23, 2026
Reply from Healthy Pets Insurance
Thank you for your feedback regarding the online insurance quote process. I appreciate you sharing your experience and understand that it can take some getting used to.
Your suggestion to provide a clear summary of all the information entered, along with the ability to make changes before completing the purchase and setting up Direct Debit, is a great idea.
Kind regards,
Darren @ Healthy Pets
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