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Cover My vs Post Office

Compare pet insurance features, coverage, and pricing between Cover My and Post Officeto find the best protection for your pet.

Starting Premium

£67.48

Cover My

£82.20

Post Office

Maximum Cover

£4,000

Cover My

£2,000

Post Office

Customer Rating

4.2

Cover My

4.2

Post Office

Vet Fees Cover

Covered for up to £4,000 per condition with unlimited number of conditions

Cover My

Covered for up to £2,000 per condition with unlimited number of conditions

Post Office

Available Policy Types

Cover My
Post Office
Cover Types
LifetimeMax BenefitTime Limited
LifetimeMax BenefitTime Limited

About Policy Types

Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.

Premium Analysis

Cover My
Post Office
Minimum Premium
£67.48
£82.20
Maximum Premium
£17,941.76
£3,930.96
Average Premium
£695.64
£289.31

Premium Range Comparison

Cover My
£67.48 - £17,941.76
Post Office
£82.20 - £3,930.96£82.20 - £3,930.96

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Cover My
Post Office
Vet Fees Coverage

Covered for up to £4,000 per condition with unlimited number of conditions

up to limit per condition/year

Covered for up to £2,000 per condition with unlimited number of conditions

up to limit per condition/year

Standard Excess
£50
£100
Co-payment
15%
N/A
Dental Included
Pre-existing Conditions

Important Coverage Notes

Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.

Claims Process

Cover My
Post Office
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Cover My
Post Office
Death by Accident Cover
£750
£750
Death by Illness Cover
£750
£750
Third Party Liability
£2,000,000
£2,000,000
Lost or Stolen Pet
£750
£750
Advertising & Reward
FALSE
£750
Boarding Fees
FALSE
£750

Support Services

Cover My
Post Office
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Cover My

Total Policies

11928

Dogs

8588

72%

Cats

3340

28%

Post Office

Total Policies

10398

Dogs

6882

66%

Cats

3516

34%

Cover My Distribution

Dogs
Cats

Post Office Distribution

Dogs
Cats

Making Your Decision

When comparing Cover My and Post Office, consider how each provider's strengths align with your pet's specific needs. Cover My's average premium of £695.64compared to Post Office's £289.31 should be weighed against the coverage and benefits each provider offers.

Best for Cover My:

  • More affordable starting premiums
  • Third party liability coverage

Best for Post Office:

  • Third party liability coverage

Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision.