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
Company replied
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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Reply from Healthy Pets Insurance
Thank you for your 5 star review! We're pleased to hear that you found our service quick and easy. We aim to make the process as simple and straightforward as possible for our customers.
If you have any questions or need any support, please reach out to the team who will be happy to help.
Kind regards, Kirsty @ Healthy Pets
Easy on line and very
Easy on line and very. Easy and the insurance very happy with the cover and the monthy payments very good for the money
4 August 2026
Reply from Healthy Pets Insurance
Thank you for your great 5 star review! We're pleased to hear that you found our online process easy to use and that you're happy with the level of cover and the monthly payments. It's wonderful to know you feel you're getting good value for your money.
If you have any questions or need any support, please reach out to the team who will be happy to help.
Kind regards, Kirsty @ Healthy Pets
A very helpful and competitive…
A very helpful and competitive response to my renewal quote to suit my budget and required cover.
1 August 2026
Reply from Healthy Pets Insurance
Thank you for your kind 5 star review! We're delighted to hear that we were able to provide a helpful and competitive renewal quote that met both your budget and your cover requirements. It's great to know you had a positive experience, and we really appreciate you choosing us.
If you have any questions or need any support, please reach out to the team who will be happy to help.
Kind regards, Kirsty @ Healthy Pets
Great company and process
31 July 2026
Reply from Healthy Pets Insurance
Thank you so much for taking the time to share your review!
We are delighted to hear that you had such a great experience with our company and found the process so straightforward. Delivering smooth service and a hassle-free experience is always our goal, so knowing we got it right for you means a lot to our team!
Thank you for choosing us, and please don't hesitate to reach out if you ever need any assistance with your policy in the future.
Kind regards, Tahara @ Healthy Pets
Reply from Healthy Pets Insurance
Thanks so much for taking the time to leave us a review.
We're delighted to hear you found applying simple. It's great that you liked our rates and choice of cover levels, 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
I've had my dog Harvey with Healthy…
I've had my dog Harvey with Healthy Pets until I lost him. My cat Rossie unfortunately he got run over & died .I've been happy with how things we handled by yourselves so there was no doubt who Milo would be insured with.
The only thing that puzzles me is his insurance is cheaper than my other cat .When I first insured it we had got it as a girl Rosie but after a few weeks things started to grow so it was a boy in formed them we had a Rossie not Rosie I then had to pay another £ 70+ on top of the £70+ I had already paid, I don't know why it over £140. I was always pleased with the service I received with Harvey over time , Rossie didn't need any.
3 August 2026
Reply from Healthy Pets Insurance
Thank you for taking the time to share your experience with us. We’re very sorry to hear about the loss of Harvey and Rossie, and we appreciate you sharing their stories with us.
We’re pleased to hear that you were happy with the service you received for Harvey and that this gave you confidence to insure Milo with us. We understand how important it is to have peace of mind when it comes to your pets.
We appreciate your comments regarding the difference in premiums and the changes made to Rossie’s policy. Pet insurance prices can vary depending on a number of factors, including the pet’s details, age, breed, cover selected, and information provided at the time of purchase or any updates made during the policy.
Thank you again for your loyalty and for choosing us to help protect Milo. We wish you many happy years together.
If you have any further questions or need assistance with your insurance, please don't hesitate to reach out.
Kind regards, Vicky @ Healthy Pets Insurance
I can't give zero stars
I can't give zero stars . I contacted them after two years of paying and not needing them. My cat became in pain because of teeth.
They would not pay because they said 'its an ongoing issue' it wasn't ongoing at all.
I wouldn't recommend anyone to take pet insurance with this company!! I had to ask a charity for help with the cost!!
I have emailed you. In fact I emailed you before this review was written. Maybe check your email inbox. I was saying I didn't want insurance with you for that reason
6 November 2025
Unprompted review
Reply from Healthy Pets Insurance
Thank you for sharing your feedback with us. I’m sorry to hear about the difficulties you’ve experienced with your pet insurance claim and your cat’s dental pain. I understand how upsetting this must be, especially when trying to get the care your pet needs.
We would like to look into the issue you have raised within this review. I have sent you a request for more information—please could you respond to this, and we will look into the matter further.
Kind regards,
Michelle @ Healthy Pets
Reply from Healthy Pets Insurance
Thanks so much for leaving a review!
It is great to hear that you are happy with the value and cover of your policy. We always aim to keep things straightforward and reliable for our customers.
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
Stay clear. Paid insurance premiums for my dog for…
Paid insurance premiums for my dog for nearly 9 years , after becoming unwell refused to pay out a penny for help after deciding actually he is not covered after all . Ultimately, turned out to be cancer and we lost our boy. Then after happily taking my money for nearly 9 years , then admitting his cover would never have been valid from day 1 refused to pay back any money. Took my money for a service that would not have been available without telling me that. Refused to help when needed , then kept the lot which they should never have been entitled to. I put the loss of my dog solely at their door and their lack of empathy in the name of profit was pure cold greed. Evil company. Case date dec 2024
20 December 2025
Unprompted review
Reply from Healthy Pets Insurance
Thank you for reaching out and sharing your experience. I am truly sorry to hear about the loss of your beloved dog and the difficulties you've encountered with your insurance claim.
We would like to look into the issue you have raised within this review. I have sent you a request for more information—please could you respond to this, and we will look into the matter further.
At Healthy Pets, we strive to provide clear and supportive service, and I regret that your situation has caused you distress. We are committed to addressing your concerns as thoroughly as possible.
Thank you for your patience, and we look forward to assisting you.
Kind regards,
Michelle @ Healthy Pets
Not had to use yet
Not had to use yet, thankfully, but a good price offered for my two cats and staff very helpful. The only down side is there is no App associated with the company.
28 July 2026
Reply from Healthy Pets Insurance
Thank you so much for your review.
We're glad to hear you got a good price for your two cats and found our staff very helpful! It's great that you haven't needed to use the cover yet.
We appreciate your feedback about not having an app. We're always looking for ways to improve our service for pet owners like 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
Reply from Healthy Pets Insurance
Thank you so much for taking the time to share your review!
We are delighted to hear that joining us was completely hassle free and straightforward.
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
easy to understand
Everything was easy to understand and very clear and concise I was able to put the date I wanted my policies to start from and was giving payment information etc.
29 July 2026
Reply from Healthy Pets Insurance
Thanks so much for sharing your feedback with us. We're glad to hear everything was clear, concise, and easy to understand. It's great to know that choosing your start date went smoothly!
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
So far so good for my first every claim…
So far so good for my first every claim on pet insurance
30 July 2026
Unprompted review
Reply from Healthy Pets Insurance
Thank you for your review! We're pleased to hear that your first pet insurance claim has been a positive experience so far. We understand that making a claim can be a worrying time, and we're committed to making the process as smooth and straightforward as possible. Thank you for choosing us, and we hope your positive experience continues.
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.
Delayed claim, chaotic admin, poor
Took out a policy on 17 May for cover to commence on 14 June (did renewal way in advance). At the beginning of July my cat was injured and made a claim. Since then I've had repeated emails from Healthy Pets saying my claim could not be progressed due to a missing form from my vets and that they were waiting for the first direct debit to be taken on 25th July. The vets confirmed the form had all been sent.
On 25 July no payment was taken, I rung and was told to wait til 26 July. 26 July no payment taken, rung again was told vets form was missing, I told them I had already confirmed with the vets the form had been sent so they checked and it emerged the paperwork from the vets had been received and they werent waiting for anything from them, just the direct sebit payment. I was told again it was fine and to wait a couple of days. I expressed my frustration that as it was approaching 30 days since my claim was opened I didn't want to have to resubmit it again because they were still waiting for the direct debit payment. On 29 July still no direct debit payment was taken so I rung again to finally get confirmation that they made an error and hadn't taken the direct debit payment. Frustrated that I had raised this multiple times and were told it was fine I just paid the premium in full. I asked if I then needed to speak to the claims department as this was the only thing holding up my claim and was told that the advisor would personally go and speak to someone in claims to make sure they were aware. Today (30 July) I then get an email saying my direct debit payment has failed and my policy is at risk of cancellation! This is despite paying in full on 29 July.
I don't know if this is tactic to get out of paying claims or if they are just disorganised. Either way as a new customer I can wholeheartedly say I have spent hours on the phone with Healthy Pets just trying to resolve their admin issues and still have no further progress on my claim. The whole thing is a mess. Do yourself a favour and go with someone else.
4 August
Still receiving emails and now post saying my direct debit failed and my policy is at risk of cancellation despite me paying in full. Just also had a call saying they tried to send my claim payment to my bank and it had failed and asking for my payment details again despite me providing full info of my details for the claim to be paid. Absolute incompetence.
12 August. To update. After this review was posted on 30 July I received an email on the same date after this review was posted to say my claim had been approved and a payment of £617.53 would be sent to my bank within 5 to 7 days. I then received the phone call mentioned above on 5 August saying they tried to pay my claim amount but payment had failed and they took my bank details again in full. An email followed on 5 August to say that payment would be made of £617.53 within 5 to 7 days. This payment has yet to be received.
On 6 August I received a detailed email regarding the investigation into my complaint regarding the direct debit. The investigation concluded my complaint was upheld and a small payment was offered for 'inconvenience' which would be paid within 7 days. As of today, 12 August neither the inconvenience payment or the claim amount of £617.53 which was initially approved on 30 July has been paid.
This is despite two emails confirming the payment would be made, a telephone call to then check my bank details and an investigation into the complaint which was upheld and inconvenience payment awarded. I am now drafting all details of this to the Financial Ombudsman Service. It is wholly unacceptable to be waiting for a claim to be paid due to their incompetence of taking a direct debit payment and actually processing a claim.
Update: 13 August
I now receive an email in relation to my complaint to Healthy Pets to say the compensation payment hasn't been paid as the financial details they hold for me are incorrect. This is despite me giving my bank details in full to Healthy Pets on 5 August when they told me they had not got the correct details. I have replied to the email with my bank details, the same details that were submitted on all the claim forms, the same details I gave over the phone and the same details my failed direct debit should have been taken from.
30 July 2026
Unprompted review
Reply from Healthy Pets Insurance
Thank you for reaching out regarding your policy and claim. I’m sorry to hear about the difficulties you’ve experienced with your claim and the issue with your direct debit payment.
We would like to look into the issue you have raised within this review.
I have sent you a request for more information, please could you respond with your details and we will look into this.
Kind regards,
Michelle @ Healthy Pets
Avoid,rip - off
Avoid,rip off
My cat is already 16 years old, I'm paying insurance since she was a kitten.Recently she got mobility problems, I'm claiming insurance to pay for her monthly injections, healthy pets doubled my monthly payment!! My monthly payment for insurance is over £60!!! I believe next year it's gonna be more than £100.... already spoken to them,just wasted my time, they also deduct 20%from every single claim,so no chance to get the whole refund,thinking about cancelling it
27 July 2026
Unprompted review
Reply from Healthy Pets Insurance
Thank you for sharing your concerns with us. I’m very sorry to hear about your displeasure about the cost of the insurance.
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.
Kind regards,
Chris @ Healthy Pets
Definately NOT 5* We paid For insurance…
Definately NOT 5* We paid For insurance on our dog for 9years increased every year NEVER made a claim but when our dog died suddenly Healthy pet took the rest of the premuims Totally unethical paying for a loved one after its passed
23 April 2026
Unprompted review
Reply from Healthy Pets Insurance
Thank you for sharing your concerns with us. I’m very sorry to hear about the loss of your dog. I understand how upsetting it must be to feel that you were charged premiums after your pet passed away.
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.
Kind regards,
Chelsea @ Healthy Pets
Reply from Healthy Pets Insurance
Thank you so much for taking the time to share your review!
We’re delighted to hear that you’re happy with our pricing.
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
Reply from Healthy Pets Insurance
Thank you so much for taking the time to leave us a review!
We’re thrilled to hear that we were able to offer you a considerably lower price than your previous insurer.
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
Straight forward clear options set out…
Straight forward clear options set out side by side made our choice of the level of cover easier to compare
15 July 2026
Reply from Healthy Pets Insurance
Many thanks for taking the time to leave us a review. We're pleased to hear that the clear comparison of the cover options made it easy for you to choose the level of protection that best suited your needs.
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
Reply from Healthy Pets Insurance
Thank you for your 5 star review. We’re pleased to hear that you found our online purchasing process easy and convenient.
We always aim to make arranging insurance as simple and straightforward as possible for our customers. If you have any questions or need any support, please reach out to the team who will be happy to help.
Kind regards, Kirsty @ Healthy Pets
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