Pet owners are increasingly seeking car insurance for pets to ensure their furry companions are covered in case of an accident or emergency while traveling. Whether you’re in the UK or US, many car insurance policies now offer additional coverage for pets, providing peace of mind as you travel with your four-legged friends.
In this guide, we’ll walk you through the best car insurance for pets in 2025, what coverage is offered, and how to choose the right insurance policy for your pet’s needs.
Why Is Car Insurance for Pets Important?
Traveling with pets comes with unique risks. From sudden car accidents to unexpected health emergencies, it’s essential to have coverage for your pet while on the road. Car insurance for pets helps cover:
- Injuries caused by accidents: If your pet gets injured during a car accident, the insurance will cover medical expenses.
- Emergency veterinary care: If your pet needs emergency treatment while traveling, the insurance can help with the cost.
- Pet-specific policies: Some insurance companies offer policies that cater specifically to pets, which can include health care while on the road.
Having this extra layer of protection will ensure your pet receives proper care, no matter where you are or how far you’re traveling.
Best Car Insurance for Pets in 2025 (UK & US)
Here’s a list of the top car insurance policies for pets in 2025 that will help keep your pet safe and secure on the road.
1. Petplan Car Insurance (UK)
Highlights:
- Offers coverage for pets in case of an accident or injury during travel
- Provides both third-party liability and comprehensive pet protection
- Covers medical bills related to car accidents or pet injuries
- Can be bundled with home and pet insurance for better value
- Nationwide coverage in the UK
Best For:
UK pet owners who want comprehensive car insurance coverage for their pets while traveling.
2. Pets Best Car Insurance (USA)
Highlights:
- Covers injuries to pets in the car, including emergency vet bills
- Offers accident-only policies for affordable options
- No lifetime limits on care, giving your pet long-term protection
- Optional wellness plans for routine care and vaccinations
- Available nationwide in the US
Best For:
Pet owners in the US who want affordable yet comprehensive car insurance for pets, including emergency care and wellness options.
3. Nationwide Pet Insurance (USA & UK)
Highlights:
- Accident and illness coverage for pets involved in car accidents
- Covers emergency veterinary services if your pet is injured in an accident
- Nationwide coverage for both US and UK pet owners
- Offers optional wellness coverage for routine visits and preventive care
Best For:
Pet owners in both the US and UK who want a reliable insurance policy that covers emergencies and general health needs.
4. Direct Line Pet Insurance (UK)
Highlights:
- Covers emergency treatment for pets in case of an accident while traveling
- 24/7 emergency pet helpline for advice on urgent care
- Offers the option to combine car and home insurance with pet coverage
- Includes coverage for third-party liability in case of accidents involving other parties
Best For:
UK pet owners who want a comprehensive package combining car, home, and pet insurance, with 24/7 support.
5. Healthy Paws Pet Insurance (USA)
Highlights:
- Covers emergency medical treatment for pets injured in car accidents
- Offers a simple claims process with no cap on coverage
- Includes accident and illness coverage for various scenarios
- Available to US pet owners with extensive veterinary partnerships
Best For:
US-based pet owners looking for a straightforward, comprehensive car insurance policy for pets.
6. Trupanion Pet Insurance (USA & UK)
Highlights:
- Offers lifetime coverage with no payout limits for pets injured in car accidents
- Covers emergency medical care including surgeries, hospital stays, and treatments
- Fast claims reimbursement process, with direct vet payments
- Available for both dogs and cats, nationwide in the US and UK
Best For:
Pet owners in the US and UK who want a flexible, reliable policy with a focus on long-term care and easy claims.
7. The Hartford Pet Insurance (USA)
Highlights:
- Covers accident-related injuries and treatments for pets
- Provides access to a nationwide network of veterinarians
- Accident-only and comprehensive plans available
- Offers additional wellness coverage for check-ups, vaccinations, and more
Best For:
US-based pet owners who want a reliable insurance policy offering both emergency care and preventive care.
8. Bupa Pet Insurance (UK)
Highlights:
- Offers comprehensive accident and illness coverage for pets during travel
- Includes coverage for emergency care and treatments while on the road
- Provides access to a 24/7 vet helpline
- Available in the UK, with various plans to suit pet owners’ needs
Best For:
UK pet owners seeking comprehensive insurance policies for their pets, including emergency care and additional support.
9. Pawp Pet Insurance (USA)
Highlights:
- Offers emergency care coverage for pets injured during travel or accidents
- Unlimited claims with no annual or lifetime limits
- Covers various pet-related emergencies, including surgeries and treatments
- Fast, simple claims process via mobile app
Best For:
Pet owners in the US looking for a modern, tech-savvy insurance policy with unlimited claims for pet emergencies.
10. Animal Friends Pet Insurance (UK)
Highlights:
- Provides accident and injury coverage for pets in case of road accidents
- Includes third-party liability for accidents involving other vehicles or property
- Offers comprehensive care for pets’ health issues and treatments
- Available to UK pet owners with a wide range of coverage options
Best For:
UK pet owners who need reliable, affordable pet insurance coverage for emergencies while traveling.
How to Choose the Best Car Insurance for Pets
When choosing a car insurance policy for your pet, consider the following factors:
- Coverage options: Ensure the policy covers both accident-related injuries and emergency veterinary care.
- Plan flexibility: Choose an insurer that offers flexible payment plans and comprehensive coverage.
- Claims process: Look for insurers with a quick and efficient claims process, especially if you need emergency treatment for your pet.
- Cost: Compare the costs of policies to ensure you’re getting good value for the coverage offered.
- Veterinary network: Check if the insurance provider works with trusted veterinarians near your area or along your travel route.