As of 13 August 2026, AI can only partly compare pet insurance policies.

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. Write down your pet's species, age, breed, postcode, previous or existing conditions, expected cover, preferred excess and budget without putting unnecessary identifying information into the chatbot.
   2. Open the current quote, policy wording, policy summary, insurance product information document and any endorsements for each insurer, then save or copy the complete versions.
   3. Paste the documents into a chatbot using the supplied prompt, label each document and policy clearly, and ask it to identify missing pages or unreadable sections before comparing them.
   4. Read the comparison table against the original documents and check every limit, excess, waiting period, exclusion and renewal condition by finding the quoted wording in the source document.
   5. Ask each insurer to confirm in writing any unclear points, especially pre-existing conditions, hereditary conditions, dental treatment, co-payment, renewal changes and whether a claim would be affected by your pet's history.
   6. Use the answers and the verified documents to decide, or take them to an FCA-authorised insurance adviser for a suitability discussion before buying.

   Prompt

   Compare the UK pet insurance policies pasted below. Use only the information in the documents and quote details, and do not fill gaps from memory or general assumptions. Create a table covering policy type, annual or per-condition vet-fee limits, lifetime limits if stated, excess, co-payment, waiting periods, age limits, renewal terms, dental cover, complementary treatment, hereditary or congenital conditions, pre-existing-condition rules, exclusions, claim limits, cancellation terms and anything that could affect a claim. Quote the relevant wording or identify the document section for every material difference. Separate confirmed facts from missing information and uncertainty. Do not say one policy is suitable for me unless you first list the personal facts that would be needed, including my pet's species, age, breed, existing or previous conditions, location, and budget. Finish with questions I should ask each insurer or an FCA-authorised insurance adviser before buying. This is not professional advice.
   
   My requirements:
   [Describe the cover I want and any concerns]
   
   Policy A:
   [Paste the current quote and full policy wording]
   
   Policy B:
   [Paste the current quote and full policy wording]
   
   Policy C, if applicable:
   [Paste the current quote and full policy wording]

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