Insurance - Pet

Free guide to ethical pet insurance, from Ethical Consumer.

Free guide to ethical pet insurance, from Ethical Consumer.


This is a product guide from Ethical Consumer, the UK's leading alternative consumer organisation. Since 1989 we've been researching and recording the social and environmental records of companies, and making the results available to you in a simple format.

The report covers the major providers of pet insurance and includes:

  • ethical and environmental ratings for 12 pet insurance providers
  • Best Buy recommendations
  • how insurance companies may be contributing to climate change
  • which insurance companies invest in arms companies
  • who are the ethical and green or eco insurance companies
  • which insurance companies are transparent about their investments

 

This product guide is part of a Sector Report on the Insurance Industry.

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Score Ratings

Our ratings are live updated scores from our primary research database. They are based on primary and secondary research across 23 categories - 17 negative categories and 6 positive ones (Company Ethos and Product Sustainability). Find out more about our ethical ratings

 

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The score table shows simple numerical ratings out of 20 for each product. The higher the score, the more ethical the company.

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Full Scorecard

The Full Scorecard shows the 'black marks' for each product, by each of the 17 negative categories. The bigger the mark, the worse the score. So for example a big black circle under 'Worker Rights' shows that the company making this product has been severely criticised for worker abuses.

Scores start at 14.  A small circle means that half a mark is deducted, a large circle means that a full mark is deducted.

Marks are added in the positive categories of Company Ethos and the five Product Sustainability columns (O,F,E,S,A).  A small circle  means that half a mark is added, a large circle means that a full mark is added.

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Best Buys

as of December 2012


As our ratings are constantly updated, it is possible that company ratings on the score table may have changed since this report was written.


Animal Friends pet insurance is the only stand-out product in this sector which reaches out to ethical consumers and uses Red Sands, an underwriter which scores relatively well on our score table and was cheapest in our 'Five cheapest brokers' survey below.

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Pet Insurance

 

Five cheapest brokers

 Cheapest five quotes from the brokers using underwriters on our score table:

  • Animal Friends – £59.16 – Red Sands
  • The Green Insurance Company (Ageas) – £108.72 – Ultimate
  • Purely Pets – £139.80 – Great Lakes
  • Healthy pets – £199.33 – Great Lakes
  • Debenhams – £215.09 – AXA

 

We looked at moneysupermarket.com to see which brokers used which underwriters. Based on price for: Dog, one year old, mongrel, cover for one year.

 

 

Ethical pet insurance

Animal Friends is our best buy for pet insurance. As well as being the cheapest brand that we found for pet insurance, the company also donates a significant amount of its profits to animal charities. The company has a target to reach the £1 million mark in donations by the end of this year.

The company will also donate £1 to an animal welfare organisation for each ‘Like’ on Facebook and each ‘Follow’ on Twitter. Animal Friends run a second Facebook campaign where, through their Charity of the Month application on Facebook, you can vote for one of four charities every month. You get one vote per month, and the charities are all in the running for a top prize of £5000. Every charity that takes part receives a donation; second place receives £2,000, whilst 3rd and 4th receive £1,500 each.

Recipient charities include Animal Defenders International, Dogs Trust, and the Orang-utan Foundation. You can apply for funding from them by emailing charity@animalfriends.co.uk.

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