Updated September 28, 2026 · SumCue Editorial Team
Hiscox vs PetInsurer.com
Hiscox
Higher score in this comparison
PetInsurer.com
What sets them apart
| Compare | HiscoxReviewSee alternativesSee alternatives | PetInsurer.comReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | $30 | $9.95Lower |
| Insurance types | Auto | Pet |
| Provider type | Insurer | Comparison site |
| Excess from | $0Lower | $50 to $500 |
| Cover limit | General liability: $300,000 to $2,000,000 limits | USD 2,000 - 10,000 annual policy limit (PetFirst plans quoted on site) |
| Claims channels | Online, Phone | Email, Fax, App |
| Age range | Not confirmed | 2 months to 18 years |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Hiscox scores higher overall: 9.1 vs 8.6.
- Premium from is lower at PetInsurer.com: $9.95 vs $30.
- Excess from is lower at Hiscox: $0 vs $50 to $500.
- Insurance types: only Hiscox offers Auto.
- Insurance types: only PetInsurer.com offers Pet.
- Claims channels: only Hiscox offers Online, Phone.
- Claims channels: only PetInsurer.com offers Email, Fax, App.
- Support channels: only Hiscox offers Phone.
- Support channels: only PetInsurer.com offers Email.
Our verdict on each
Hiscox
Hiscox is an insurer for small businesses rather than a bank, so it suits owners who want general liability cover starting at $30 with an excess from $0 and can pay monthly. Households shopping for everyday savings or current accounts will find the offer narrow.
PetInsurer.com
PetInsurer.com suits UK and European pet owners who want to compare cover in one place, starting at $9.95 a month. It is a comparison site rather than an insurer, so the policy wording, limits and excess sit with the provider behind the quote you accept.
Score breakdown
| Area | Hiscox | PetInsurer.com |
|---|---|---|
| Cost | 9.1HigherPremium from $30 with an excess starting at $0, monthly payments available | 9.0Pet plans start at $9.95 and run on a monthly basis, with excesses from $50 to $500 on the PetFirst plans quoted. |
| Offer | 8.4 | 8.6Higher |
| Trust | 9.6Higher | 8.2 |
Positions in our rankings
| Ranking | Hiscox | PetInsurer.com |
|---|---|---|
| Insurance | 229 of 627 | 465 of 627 |
Availability and regulation
| Country | Hiscox | PetInsurer.com |
|---|---|---|
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
Sources behind this comparison
Hiscox
- hiscox.com: 12 facts, checked September 26, 2026
PetInsurer.com
- petinsurer.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Hiscox | PetInsurer.com |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Hiscox Insurance Company Inc. | Compare Pet Insurance Services, Inc. |
| Headquarters | Bermuda | United States |
| Founded | 1901 | Not confirmed |
| Support channels | Phone, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | Hiscox | PetInsurer.com | Median |
|---|---|---|---|
| Premium from | $30above the median | $9.95below the median | $11 |
| Excess from | $0below the median | $50 to $500below the median | $100 |
Median across 53 listed providers.
Pros and cons
Hiscox
Pros
- General liability cover priced from $30, with limits of General liability: $300,000 to $2,000,000 limits
- Excess starts at $0 on the general liability policy
- Monthly payments are available, so cover does not need to be paid in one go
Cons
- Cover is limited to the auto type listed under auto, so home, travel and life cover sit outside the range shown here
- Support runs on phone and help centre, with live chat and email not among the listed routes
- Hiscox Insurance Company Inc. is headquartered in Bermuda under BM, and the UK Financial Services Authorisation covers the United Kingdom market rather than the domiciled entity
PetInsurer.com
Pros
- Entry premium of $9.95 a month for a policy quoted on the site
- A monthly model spreads the cost of cover across the year
- Pets across the age range 2 months to 18 years can be quoted for cover
Cons
- Support runs on email and help centre only, with no phone line listed
- Excess starts at $50 to $500 on the PetFirst plans quoted, which is money you keep
- As a comparison site it passes you to a provider, so cover terms vary by quote
Who each suits
Hiscox
Who it suits
- Small business owners who need general liability cover and can pay monthly
- Traders and contractors carrying client-facing risks
- Anyone comfortable holding a policy with an insurer domiciled outside the UK
Who should look elsewhere
- Households comparing savings, current accounts and cards, where bunq is a better fit
- Shoppers wanting auto cover alongside home or life policies
- Buyers who want a UK regulated provider rather than an overseas insurer
PetInsurer.com
Who it suits
- Pet owners who want to see several provider quotes side by side
- Owners who prefer paying a monthly amount rather than settling a yearly sum
- Anyone whose pet is a different age, since the range runs 2 months to 18 years
Who should look elsewhere
- bunq and bunq Spain, which are banks rather than pet cover providers
- Linxea, which sells life insurance rather than pet cover
- Owners who want a named insurer with fixed policy terms
Current offers
Hiscox
Current offer
Discount code
Bundle and save on general liability insurance: up to 5% discount
Bundle general liability insurance with other coverage such as professional liability or cyber security insurance
Source, checked September 26, 2026
Bonus
Chase Business Complete Checking partner offer: up to $500
new Chase business checking customers with qualifying activities
Source, checked September 26, 2026
Country by country
| Country | Hiscox | PetInsurer.com |
|---|---|---|
| United States | No | Yes |
Questions about each
Hiscox
How much does Hiscox cover cost?+
General liability cover starts at a premium of $30, with cover limits set at General liability: $300,000 to $2,000,000 limits. The excess begins at $0, so there is no compulsory excess to fund on that policy. Prices are quoted per policy rather than as a flat monthly fee.
Can I pay the premium monthly?+
Yes. Monthly payments are offered, which spreads the cost across the policy year instead of one lump sum. That suits small businesses with uneven cash flow, and it is the norm on the market, where most insurers listed allow monthly payments.
PetInsurer.com
What does a pet policy cost on PetInsurer.com?+
Cover starts at $9.95 on the site, close to the pet insurance median of €9 across the ranking. Policies run on a monthly basis, so the cost is spread rather than paid in one go. The final price depends on the provider and the plan you accept.
Is PetInsurer.com an insurer?+
No. It is listed as a comparison site, which means it gathers quotes from providers and passes you to the one behind the plan you choose. The policy wording, cover limit and exclusions belong to that provider, not to the comparison site.
Other options to compare
Other matchups
Hiscox
PetInsurer.com