As of 13 August 2026, AI can choose your pet insurance cover.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the current quote pages and policy wordings for the insurers you are considering, and save or copy the relevant documents.
   2. Gather your pet's breed, age, sex, location, previous conditions, treatment history, current cover and the amount you can afford to pay.
   3. Redact unnecessary personal information from the documents, then paste the pet details, priorities, quotes and policy wording into a chatbot using the prompt.
   4. Ask the chatbot to produce the comparison table and list every missing fact, unclear clause and exclusion rather than filling gaps.
   5. Compare the table's premium, excesses, limits, waiting periods and exclusions against the original policy documents, correcting any extraction errors.
   6. Send the unresolved questions to each insurer and keep their written replies with the policy documents.
   7. Choose only after checking that the selected policy covers the conditions and treatment you are most concerned about, and speak to a regulated insurance adviser for a serious or unusual case.

   Prompt

   Help me compare pet insurance cover in the UK. This is not professional advice, and you must not pretend to know facts that are missing or current prices that I have not supplied.
   
   Pet details:
   - Species and breed: [DETAILS]
   - Age and sex: [DETAILS]
   - Location in the UK: [DETAILS]
   - Existing or previous conditions, symptoms, investigations or treatment: [DETAILS]
   - Current insurer and cover, if any: [DETAILS]
   
   My priorities:
   - Maximum annual budget: [AMOUNT]
   - Preference for accident-only, time-limited, maximum-benefit or lifetime cover: [PREFERENCE OR UNKNOWN]
   - Expected use, such as routine care, overseas travel or dental treatment: [DETAILS]
   
   I will paste the insurer quotes and policy documents below. Treat those documents as the source for policy facts. For each option, extract and compare the premium, excess, co-payment, annual or per-condition limits, cover period, waiting periods, pre-existing-condition exclusions, hereditary or congenital exclusions, bilateral-condition wording, dental cover, behavioural treatment, complementary treatment, referral requirements, claim deadlines, renewal terms, cancellation terms and any age-related changes. Separate exact policy facts from your interpretation, quote the relevant wording where possible, flag anything you cannot verify, and do not fill gaps with assumptions.
   
   Then produce:
   1. A concise comparison table.
   2. The main reasons each option could fail to meet my stated priorities.
   3. Questions I should ask each insurer before buying.
   4. A conditional recommendation based only on the supplied information, including what fact would change it.
   5. A final checklist of exclusions, limits and excesses I must confirm myself before purchase.
   
   Do not diagnose my pet, predict whether a claim will be accepted, or say that any policy is definitely best. If the medical history or policy wording makes this a serious or unusual case, tell me to speak to a regulated insurance adviser or the insurer directly.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.