Pandemic Sees Pets Better Protected Than Their Owners!


With 51% of Brits owning one (PDSA), it’s no surprise that the UK is a nation of pet lovers. Our furry, and not so furry friends, become another member of the family, firmly making their way into our hearts.

According to a survey conducted by Maguire Family Law, 15% of people have confessed to loving their pets more than their partners. 1 in 20 have even set up a pet-nup outlining what should happen to their pet-child in the event of a break up.

Pets Are Better Protected Than Owners…

It’s no surprise then, that with all the love we have for our pets we want to make sure they are protected. Drewberry’s 2021 Pandemic Health & Protection Survey of 1,000 working adults found that in the last 12 months, more people have purchased Pet Insurance than Income Protection, Life, Health or Critical Illness Insurance.

16% of people had purchased pet insurance, whereas the combined percentage of adults who bought Health Insurance, Income Protection, Critical Illness Cover and Life Insurance only came to 18.3%.

This is astonishing when you think not everyone even has a pet, but all adults could protect themselves. It shows that more needs to be done to highlight the importance and benefits of having personal protection, so more people protect themselves as well as their pets. 

Protection Perceived As Being Too Pricey…

One factor that could go some way to explaining why people are less likely to purchase products such as Income Protection is cost.

Our latest survey showed that 18.9% of adults didn’t have Income Protection because they thought it was too expensive and more than three quarters felt it would be more expensive as a result of the pandemic.

Example Pricing For Pet Insurance Vs Income Protection

There is a big misconception that protection is just too expensive. However in reality, it doesn’t have to be any more expensive than the protection we pay for our four legged friends.

To give you a better idea of how much Income Protection could cost, we’ve highlighted the monthly premium cost for Pet Insurance and Income Protection below.  To put these quotes together we have made a number of assumptions, as of course each pet and human will have different needs.

Pet Insurance Vs Income Protection

Age at Application

4 (33 in Human Years)

33 Years Old


Mans Best Friend

Labrador Retriever

Office Based Role


Cost of Premiums



Pre-existing Health Conditions

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Amount of Cover Needed



Obviously to get an accurate pricing for an Income Protection Policy, we would need to understand your current circumstances. However this should help to highlight that protection isn’t as expensive as you might have originally thought.

Why Protecting Yourself Is The Best Protection For Your Pets…

It’s clear that pets are at the top of peoples priority list when it comes to protection. Why wouldn’t they be. They provide us with unconditional love and can help us with our mental and physical health. But what if you couldn’t afford to continue paying for their protection?

The first step in providing the best protection for your pets is by protecting yourself and your income. If you have to take time of work due to sickness or injury, you want to insure that you can continue to pay your pets insurance, as well as all your other monthly outgoings.

We’ve kept close tabs on the market over the past year and found no evidence of Income Protection costing more now than pre-COVID. While some insurers did remove features such as shorter deferral periods on new policies, there simply hasn’t been a spike in premiums due to the pandemic

Josh Martin
Independent Protection Expert at Drewberry

For fee-free Income Protection advice, the team at Drewberry is happy to help. Just drop us a call on 02084327333.

Alternatively, compare instant online Income Protection Insurance quotes here ⟶

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Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.


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