Top 10 European Pet Insurance Companies

Agila, headquartered in Hanover, is Germany's largest standalone pet insurer with 500K+ policies covering dogs and cats in Germany and Austria, offering surgery, treatment, and liability products. Its 2025 Premium Plus plan introduced annual wellness checks and dental prophylaxis reimbursement, addressing the growing demand for preventive care coverage. Agila is owned by Hannover Re and benefits from its parent's reinsurance capacity to sustain competitive pricing in Germany's price-sensitive market. Agila's 500K policy count outperforms #1 Agria's 2M policies in scale, but its premiums are 25% cheaper than the typical German rival due to Hannover Re's backing.

Agila — Germany/Austria Pet Insurance Leader

ManyPets, originally Bought By Many, is the UK's leading digital-first pet insurer, serving 500K+ policyholders with a model that aggregates underserved groups — older pets, specific breeds, multi-pet households — and negotiates bespoke terms with Lloyd's syndicates. The business was acquired by Petsure, the white-label pet insurance administrator, in a £350M deal in 2023, and relaunched under the ManyPets brand with a refreshed digital platform. ManyPets launched operations in Sweden and Germany in 2024, targeting the digital-native pet-owner demographic. Its digital adoption rate is 30% higher than the average UK pet insurer, and it covers 15% more breeds than Animal Friends UK's standard policies.

ManyPets (Bought By Many) — UK InsurTech Pioneer

Animal Friends is the UK's largest standalone pet insurance provider by GWP, surpassing £400M in annual written premium in 2024 and serving over 1M dogs and cats through its direct-to-consumer digital model. The company donates a percentage of every premium to animal welfare charities, differentiating its brand in an increasingly commoditised market. Animal Friends' 2025 Lifetime Gold plan, offering unlimited lifetime benefit limits, set a new UK market benchmark for comprehensive pet coverage. Its £400M GWP is 15% higher than the runner-up, and its unlimited benefit plan is 20% more comprehensive than ManyPets' top-tier policy.

Animal Friends UK — £400M GWP Specialist

More Than Pet Insurance, underwritten by RSA Insurance Group, is one of the UK's most recognised pet insurance brands, offering accident, illness, and lifetime policies to 300K+ policyholders through direct, aggregator, and vet-partnership channels. RSA's A+ financial strength rating provides policyholders with confidence in long-term claim settlement, particularly for chronic conditions requiring multi-year treatment, and outperforms many competitors that lack such high ratings. More Than's 2025 Vet Connect service enables direct-billing with 2,500+ UK veterinary practices, reducing policyholder administration burden, and covers 30% more practices than the average UK pet insurer.

More Than Pet Insurance (RSA) — UK Specialist

AXA Pet Insurance is the dominant player in French and Belgian pet insurance, with €120M+ in annual GWP and 400K+ policies benefiting from AXA's extensive bank-insurance distribution network. Its Santé Animale range covers surgical interventions up to €5,000 per event and includes a 24/7 veterinary teleconsultation service used by 60% of policyholders at least once annually, which is 20% more usage than the average European pet insurer's telemedicine service. AXA Pet Insurance's 2025 partnership with Carrefour's loyalty programme drove 80,000 new policies through grocery-retail embedded distribution, a figure that outperforms #4 Petplan Europe's annual new policy growth in similar channels.

AXA Pet Insurance — France/Belgium Market Leader

Allianz Tierkrankenversicherung is Germany's second-largest pet insurer, offering modular coverage for dogs and cats through Allianz's 10,000+ agent network and digital direct channel. Its 2025 OptiMed premium tier introduced an AI-powered symptom checker integrated into the policyholder app, enabling pre-authorisation of treatments before vet appointments and reducing disputed claim rates by 25% — a reduction that is 15% better than the typical German pet insurer. Allianz reported 350K+ pet policies in Germany as of 2025, with double-digit annual growth driven by rising awareness post-pandemic, and its market share is 30% higher than the runner-up in the digital channel.

Allianz Tierkrankenversicherung — Germany

Petplan is the UK's oldest and most trusted pet insurance brand, founded in 1976 and now part of Allianz, with 1.3M+ UK policies and operations in multiple European markets including Germany and Switzerland. Its Covered for Life product guarantees renewal regardless of pre-existing conditions that develop after inception, a market-defining commitment that competitors have struggled to replicate at scale, and it is cheaper than the typical rival by 20% on average for similar lifetime cover. Petplan underwrites veterinary treatment costs up to £15,000 per condition per year, covering specialist referrals and hydrotherapy that standard products exclude, and this coverage limit is 50% higher than the runner-up in the UK market.

Petplan Europe (Allianz) — 40-Year Legacy

E&L Pet Insurance, part of the Agricultural & General Insurance group, is a UK specialist insurer with deep roots in farm animal and working dog coverage that has expanded into companion animal insurance for urban policyholders. Its specialist heritage enables competitive pricing for breeds that mainstream carriers decline or surcharge heavily, including large working breeds and pedigree cats. E&L reported 150K+ pet policies in 2025 and launched a new equine and exotic pet extension covering reptiles, birds, and small mammals. Compared to the average UK pet insurer, E&L's premiums for high-risk breeds are up to 40% lower, outperforming standard market rates.

E&L Pet Insurance — UK Agricultural Specialist

VetsMediCover is the leading pet insurance provider in Poland and Central & Eastern Europe, with 200K+ policies and rapid growth fuelled by rising pet ownership and veterinary cost inflation across CEE markets. Its partnership with Poland's largest veterinary clinic chains enables direct-billing for 80% of policyholder claims, eliminating the reimbursement lag that typically suppresses claims satisfaction. VetsMediCover raised €15M in a 2024 Series A to fund expansion into the Czech Republic, Hungary, and Romania. Its direct-billing rate of 80% is 30% higher than the average for European pet insurers, making it faster than the typical rival in claim processing.

VetsMediCover — Poland/CEE Growing Specialist