Healthy Pets Insurance Reviews 

3,657
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 420 reviews, reviewers overwhelmingly had a great experience with this company, often highlighting the exceptional value, competitive rates, and reliable coverage. Customers consistently praise the friendly, helpful staff who make setting up new policies, managing queries, and completing transactions completely smooth. People deeply appreciate the clear options and the user-friendly website that makes comparing different coverage levels remarkably straightforward. However, some people mentioned that annual renewal prices increased significantly over time, expressing disappointment over a complete lack of loyalty rewards. Consumers also noted unexpected policy caps, strict plan restrictions, and occasional frustration regarding poor communication or unhelpful customer support teams.

What people talk about most

Price

Customers had ambiguous experiences with price, often noting very competitive initial quotes and reasonable... See more

User experience

Reviewers highlight positive aspects of user experience, consistently noting that the website and application... See more

Value for money

Customers consistently note positive experiences with value for money, highlighting sensible prices and... See more

Customer service

Consumers find customer service to be positive, highlighting helpful and pleasant staff who explain policies... See more

Service

Reviewers express mixed feelings about the service, noting both positive and negative experiences. While some... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Rated 4 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied


Company details

  1. #166 of 227 best companies in Insurance agency
  2. #201 of 259 best companies in Pet shop

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

4.5

Excellent

TrustScore 4.5 out of 5

4k reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(3,657)

388 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Pet insurance

This company is really good. So easy to set up pet insurance and it didn't take long

6 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words! We're delighted to hear that setting up your Healthy Pets insurance was quick and easy. If you ever need any assistance or have questions, feel free to reach out. We're here to help!

Kind regards,

Chris @ Healthy Pets

Rated 5 out of 5 stars

customer service is great

customer service is great, quick and easy to set up everything is clear so you know whats covered

6 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words and positive feedback. We're delighted to hear that you found our customer service great and the setup quick and easy. It's wonderful to know that everything was clear and you felt confident about what’s covered.

If you need any further assistance or have any questions, please don't hesitate to get in touch.

Kind regards,

Darren @ Healthy Pets

Rated 1 out of 5 stars

Found policy prices really reasonable until renewal

Found policy prices really reasonable until I came to renew. Received my annual renewal quote for £474. Same policy on line for new customers £310. I raised with customer service who advised the difference was due to the continuity of cover I.e. no cover for 10 days on new policies. This equates to £164 for 10 days cover! Customer support had little interest just bored matter of fact information sharing.
Left with no choice but to let old policy expire and take out a new one and run the risk of 10 days with no cover.
Personally I think this demonstrates a lack of value for existing customers.

5 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for sharing your concerns regarding your recent renewal quote for your policy.

I’m sorry to hear that the renewal price of £474 was considerably higher than the new customer rate of £310, and that the explanation about the 10-day continuity cover gap was not sufficiently clear or helpful. I understand how frustrating this must be, especially when you felt customer support was unable to assist you fully.

At Healthy Pets, we aim to provide transparent pricing and excellent service, and I apologise that this was not your experience.

We have logged a complaint on your behalf in order to get this investigated further. Our complaints team will be in touch with you directly to discuss this.

Thank you for bringing this to our attention.

Kind regards,

Michelle @ Healthy Pets

Rated 5 out of 5 stars

It was easy to do .service was good and…

It was easy to do .service was good and the price was great

2 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind feedback! We're delighted to hear that you found the service easy to use and that you’re happy with the price.

If you have any questions regarding your policy, please don't hesitate to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Great insurance company

Great insurance company. Easy application with no hassles. Unfortunately i had to cancel the policy when I unexpectedly had to put my fur baby to sleep and they showed so much compassion offering their condolences which i didn't expect but deeply appreciated

1 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words and for sharing your experience with us. We are truly sorry for the loss of your fur baby and understand how difficult that time must have been.

We appreciate your feedback about our application process and your recognition of the compassion we strive to provide. Please know that we are always here to support you should you ever need us again in the future.

Take care and thank you once again for choosing Healthy Pets.

Kind regards,

Michelle @ Healthy Pets

Rated 5 out of 5 stars

Gave good quotes on the pet insurance I…

Gave good quotes on the pet insurance I wanted for my cats

1 May 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your kind words and for choosing us for your cat insurance. We’re delighted to hear that you found our quotes helpful and suited to your needs.

If you have any further questions or need assistance with your policy, please don’t hesitate to reach out.

Kind regards,

Michelle @ Healthy Pets

Rated 5 out of 5 stars
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words! We're delighted to hear that you found our prices great and our website easy to use.

If you need any further assistance or have any questions, please don't hesitate to reach out.

Kind regards,

Michelle @ Healthy Pets

Rated 4 out of 5 stars

Ordered online price was fairly…

Ordered online price was fairly competitive

26 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your feedback regarding the online price for your Healthy Pets policy. We're glad to hear that you found our pricing competitive.

If there is anything else we can assist you with, please feel free to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Friendly helpful call handler

Friendly helpful call handler. Offered a much better value policy for my cat. Recommend checking rather than auto renewing.

28 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words and positive feedback! We'redelighted to hear that you found our call helpful and that we could offer a better value policy for your cat.

If you have any further questions or need assistance in the future, please don't hesitate to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Easy to use through compare.

Easy to use through compare.
Reasonable price for what I required

30 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for sharing your positive experience. We're delighted to hear that you found the service easy to use and the pricing reasonable for your needs.

If you have any questions or require further assistance, please don't hesitate to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Quick service!

Quick, straightforward process

30 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your kind feedback about your recent experience. We're delighted to hear that you found the process quick and straightforward.

If you have any further questions or need assistance with your policy, please don't hesitate to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Helpful advice

Helpful advice, prompt action.

27 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you very much for your review. We're pleased to hear that you found our advice helpful and our response prompt.

If you need any further assistance, please don't hesitate to get in touch.

Kind regards,

Darren @ Healthy Pets

Rated 3 out of 5 stars

The premium rose alarmingly

The premium rose alarmingly. However renewal with new policy was just about affordable

23 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your feedback regarding your recent renewal with us. We understand that the premium increase was concerning, and we’re glad to hear that the renewal was still within an affordable range for you.

We always strive to balance comprehensive coverage with competitive pricing, and your input is valuable. If you have any questions or would like to discuss your policy further, please don’t hesitate to get in touch.

Kind regards,

Michelle @ Healthy Pets

Rated 5 out of 5 stars

Changed to Healthy Pets 9.5.26

Changed to Healthy Pets 9.5.26. Cover is good for annual cost. Paperwork timely and readable.

25 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you very much for your positive feedback regarding your Healthy Pets policy. I'm glad to hear that you find the cover suitable and the paperwork timely and easy to understand.

If you have any questions or need further assistance, please don't hesitate to get in touch.

Kind regards,

Chris @ Healthy Pets

Rated 5 out of 5 stars

Great service

Great support in answering questions about renewal of pet insurance

23 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your kind words and positive feedback regarding the support you received about renewing your Healthy Pets insurance. We're delighted to hear that we could assist you effectively. If you have any further questions or need assistance in the future, please don't hesitate to reach out.

Kind regards,

Chris @ Healthy Pets

Rated 5 out of 5 stars

Great price easy purchase …

Great price for my two cockers next year premium and a doddle to buy online. Well chuffed.

15 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words! We're delighted to hear that you found the price great for your two cockers and that the online purchase was straightforward. If you need any further assistance with your Healthy Pets cover, please don't hesitate to get in touch.

Kind regards,

Chris @ Healthy Pets

Rated 5 out of 5 stars

Careing insurance

Excellent service from a company thay cares great prices & reasonable policies that states exactly what it needs toi do my cat & now my new pup would definately recommend to family & friends 🙂

21 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you so much for your kind words and positive feedback! We're thrilled to hear that you are happy with our service and pricing for both your cat and new pup. We truly care about providing clear policies and excellent support to our customers.

We greatly appreciate your recommendation to family and friends. If you ever need any further assistance, please don't hesitate to reach out.

Kind regards,

Chris @ Healthy Pets

Rated 1 out of 5 stars

Can’t give a 0 unfortunately!!!!!!!!

Can’t give a 0 unfortunately!!!!!!!!

Please DO NOT INSURE YOUR PETS wWITH THEM!!!!

I have paid my premiums religiously for over 18 years, by direct debit

Unfortunately my cat passed away 16/04/2026.
The vet bill at on his death was £942

I am astounded that the options I have been given are to pay the vet bill myself and cancel the insurance OR

Healthy pets will pay the vet bill and I continue to pay my monthly direct debit for December 2026 for a deceased cat!!!!!!
and I also have to pay a 20% premium of that said bill because of his age when he died

What choice is that?, paying insurance for 8 months for my cat !!!!!! that is no longer breathing.
A very callous attitude!

I’m traumatised by everything that happened this week without financially struggling also

The vet himself said that he has dealt with many pet insurance companies and has never heard of any of them carry out this obscene practice.

17 April 2026
Unprompted review
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for reaching out and sharing your concerns. I am very sorry to hear about the loss of your cat, and I understand how distressing this situation must be for you.

I would like to look into this further for you. I have sent you a request for further information, please complete this.

Kind regards,

Michelle @ Healthy Pets

Rated 5 out of 5 stars

Easy to use website

Easy to use website, no hard sell or endless cold calling. Clear and complete policy information

15 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for taking the time to share your positive feedback about our website and service. We're delighted to hear that you found the process easy to use and appreciated the clear policy information.

If you have any further questions or need assistance, please don't hesitate to reach out.

Kind regards,

Darren @ Healthy Pets

Rated 5 out of 5 stars

Easy to apply

Easy to apply. Seems to offer all I need for my cat at this time.

16 April 2026
Healthy Pets Insurance logo

Reply from Healthy Pets Insurance

Thank you for your positive feedback. We're delighted to hear that you found it easy to apply and that it meets your cat’s needs.

If you have any further questions or require assistance, please don’t hesitate to get in touch.

Kind regards,

Darren @ Healthy Pets

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look