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Healthy Pets vs Marks and Spencer

Compare pet insurance features, coverage, and pricing between Healthy Pets and Marks and Spencerto find the best protection for your pet.

Starting Premium

£50.41

Healthy Pets

£52.97

Marks and Spencer

Maximum Cover

£7,500

Healthy Pets

£3,000

Marks and Spencer

Customer Rating

4.2

Healthy Pets

4.2

Marks and Spencer

Vet Fees Cover

Covered for up to £7,500 per condition with unlimited number of conditions

Healthy Pets

Covered for up to £3,000 per condition with unlimited number of conditions

Marks and Spencer

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Available Policy Types

Healthy Pets
Marks and Spencer
Cover Types
Accident OnlyLifetimeMax Benefit
LifetimeTime 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

Healthy Pets
Marks and Spencer
Minimum Premium
£50.41
£52.97
Maximum Premium
£4,151.44
£1,880.33
Average Premium
£310.84
£390.42

Premium Range Comparison

Healthy Pets
£50.41 - £4,151.44
Marks and Spencer
£52.97 - £1,880.33

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

Policy Coverage & Exclusions

Healthy Pets
Marks and Spencer
Vet Fees Coverage

Covered for up to £7,500 per condition with unlimited number of conditions

up to limit per condition/year

Covered for up to £3,000 per condition with unlimited number of conditions

up to limit per condition/year

Standard Excess
£125
£225
Co-payment
N/A
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

Healthy Pets
Marks and Spencer
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Healthy Pets
Marks and Spencer
Death by Accident Cover
£500
£600
Death by Illness Cover
£500
£600
Third Party Liability
£1,000,000
£2,000,000
Lost or Stolen Pet
£500
£600
Advertising & Reward
£500
£600
Boarding Fees
£500
£750 Limited to a maximum of £70 per week
Travel Coverage

Support Services

Healthy Pets
Marks and Spencer
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Healthy Pets

Total Policies

13332

Dogs

8760

66%

Cats

4572

34%

Marks and Spencer

Total Policies

6657

Dogs

4305

65%

Cats

2352

35%

Healthy Pets Distribution

Dogs
Cats

Marks and Spencer Distribution

Dogs
Cats

Making Your Decision

When comparing Healthy Pets and Marks and Spencer, consider how each provider's strengths align with your pet's specific needs. Healthy Pets's average premium of £310.84compared to Marks and Spencer's £390.42 should be weighed against the coverage and benefits each provider offers.

Best for Healthy Pets:

  • More affordable starting premiums
  • Comprehensive coverage options for your pet type

Best for Marks and Spencer:

  • Vet advice helpline available
  • Established market presence and reputation

Important Considerations

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. Also factor in policy terms, exclusions, and how each provider handles claims for your specific situation.