NOW Pet Vouchers

How UK Shoppers Cut Costs at NOW Pet

NOW Pet sells pet insurance for cats and dogs in the UK, with lifetime cover designed to continue protecting eligible illnesses and injuries while the policy remains active. Its cover is available across five levels, from Start to Platinum, with different annual vet-fee limits. Policies also include access to 24/7 veterinary support, while some costs can be reduced through multi-pet savings and prescription medication discounts.

This guide shows UK shoppers how to compare the available cover, control the price of a policy and check for eligible savings before committing. It focuses on practical steps rather than assuming that a code, promotion or discount is available. Always compare the final quote, excess, co-payment and policy terms before paying.

Start with the right level of cover

A lower premium is not automatically the best value if the policy limit is too small for your pet’s needs. NOW Pet lists five lifetime cover options with annual vet-fee limits of £1,000, £2,000, £3,000, £4,000 and £5,000 respectively. Review what each level covers and consider whether the annual limit would be realistic for treatment in your area.

Lifetime insurance is intended to help with ongoing or recurring conditions because benefits refresh when the policy renews, provided the policy remains active and the claim meets the terms. Read the policy documentation carefully, including exclusions, waiting periods and limits, before choosing the cheapest option.

Use the excess to manage the premium

NOW Pet says customers can choose between a £99 or £200 excess. The excess is the amount you pay towards a claim, so selecting a higher excess may reduce the premium but leaves you with more to pay if your pet needs treatment. A lower excess generally means a larger premium but less to contribute when claiming.

Check how the excess and co-payment work together. NOW Pet states that a 10% co-payment is applied after the excess has been deducted from the remaining eligible vet fees. The cheapest quote should therefore be assessed against the possible claim contribution, not just the monthly figure.

Consider the multi-pet saving

Households with more than one cat or dog should check whether insuring the pets together qualifies for NOW Pet’s stated 15% multi-pet discount. The retailer says the saving applies when more than one pet is insured at the same time. Enter accurate details for every animal and review the combined price rather than assuming that separate policies will cost less.

For a multi-pet household, compare the total annual premium with and without the saving if the quote process displays both figures. Also check that the selected cover level, excess and policy details are suitable for each pet, since a single household discount does not remove the need to review individual requirements.

Spread the cost without adding interest

NOW Pet advertises monthly payment plans at 0% interest and says there are no hidden fees for paying monthly. This can make budgeting easier, although you should compare the total annual cost shown in the quote with the monthly instalment amount. Confirm the payment schedule before completing the purchase.

Paying monthly is useful for cash-flow control, but it should not be treated as a discount. If the annual and monthly options cost the same overall, choose the method that fits your budget while ensuring payments can be maintained throughout the policy term.

Check included support and medication savings

Value is not limited to the headline premium. NOW Pet states that its policies include free 24/7 calls with qualified veterinary nurses. This service may help you decide what to do when you are concerned about your pet, although it does not replace emergency treatment where that is needed.

The site also describes exclusive prescription medication savings through its Hyperdrug partnership and gives an average saving figure based on a comparison of frequently prescribed medicines. Treat this as an indication rather than a guaranteed reduction: check eligibility, the medicine price and any applicable terms before ordering.

Before you pay

Insurance prices depend on details such as your pet’s age, breed, health, claims history and postcode. NOW Pet explains that premiums can also reflect local vet costs and the level or type of cover selected. Provide complete and accurate information, because incorrect details can affect the premium or a future claim.

If the retailer offers a promotional code field during the quote or payment process, enter an eligible code exactly as shown and confirm that the price changes before paying. If no code field appears, do not assume that NOW Pet discount codes can be applied; instead, check the offer’s terms and the final quote for any confirmed saving. A promotion should never be treated as live or valid until the checkout or quote summary accepts it.

Compare NOW Pet UK deals carefully

When reviewing NOW Pet UK deals, compare like for like. A quote with a smaller vet-fee limit, higher excess or different co-payment may look cheaper while providing less protection. Record the annual premium, monthly total, excess, co-payment and key limits for each option so the decision is based on the full cost.

Existing customers should also check renewal documents rather than relying on the original price. Premiums can change as pets get older, local veterinary costs change or the insurer reassesses risk. If the price rises, review whether a different cover level or excess is available and read the policy terms before making changes.

Quick checklist

• Get a quote using accurate pet, health and postcode details.
• Compare all available cover levels and annual vet-fee limits.
• Check whether the £99 or £200 excess suits your emergency budget.
• Include the stated 10% co-payment when estimating claim costs.
• Ask whether insuring more than one pet qualifies for the 15% multi-pet discount.
• Compare the total annual cost of monthly and one-off payment options.
• Review the terms for prescription medication savings and included vet support.
• Use NOW Pet voucher codes only where the offer is clearly eligible and accepted before payment.
• Save the final quote and policy documents for future reference.

For a final check before buying, review the current NOW Pet discount codes page, then confirm any saving in the quote or payment summary before completing your purchase.