Frequently Asked Questions
How do I update my pet insurance policy details?
You can call the customer services team on 0330 102 5741
How many pets can I add to my policy?
There's no limit to how many cats or dogs you add to your Admiral Pet Insurance policy.
Will my pet be covered for third party damage?
If your pet damages someone else's personal items while in their property, Accidental Damage (Premier and Premier Plus Only) will cover the cost of repairing the damage or replacing the item, subject to the cover limit. Exceptions apply, see Section 8 of the policy booklet for full terms and conditions.
How do I make a claim on my pet insurance?
If you need to make a claim you can:
- Call 0343 290 9141
- Email firstname.lastname@example.org
- Write to Admiral Pet Insurance, 5th Floor, Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE.
If the total veterinary fees are likely to exceed £1,000 you must inform Insurance Factory Limited immediately on 0343 290 9141 for pre-authorisation as we might want to get a second opinion from our veterinary advisor.
- Monday - Friday: 8am – 8pm
- Saturday: 9am – 2pm
- Sunday Closed
How do I renew my pet insurance?
If you pay monthly by Direct Debit you don't need to worry about calling – your policy will automatically renew after 12 months. If you pay annually, you’ll be invited to renew at the end of each term. To speak to someone in the Renewals team, call 0343 290 9141.
What would my pet insurance excess be?
An excess of £100 is deducted from your benefit for each individual illness or accidental injury treated.
For pets over six-years-old an additional 20% will be deducted for Veterinary Fees, Complimentary Medicine, Cruciate Ligament Damage, Special Diet and Dentistry (where these are covered) for each claim payment. This amount will be deducted from the claims settlement.
Here's an example calculation for the amount you'll pay in the event of a claim for pets over six-years-old:
If a valid claim arises for veterinary fees totalling £400
- The amount claimed = £400
- Minus the fixed excess of £100 = £300
- Minus the variable excess of 20% (£60) = £240
- Total excess paid by you (£100 + £60) = £160
- Total paid by us = £240
A £250 excess applies once per claim for Third Party Liability cover (dogs only).
Which vet can I use?
We know many people build up a longstanding trusting relationship with their vet practice, which is why we don't want to tell you which vet to use. We recommend taking your pet for regular check-ups, as well as maintaining their vaccinations, flea and worm treatment.
If you've not registered with a practice yet, visit the Royal College of Veterinary Surgeons database to find a vet near you.
Will you pay my vet directly?
Admiral can pay your vet directly if that’s what they’d prefer – just check with them and let us know.
Payments can be made directly into your or your vet's bank account if Admiral holds the account details. Alternatively, you can get a cheque.
Dealing with the loss of a loved one can be very difficult. As well as the emotional upheaval of coping with a death, you may have financial matters to take care of.
If you’ve just lost a loved one who had, or was named on, an Admiral insurance policy, you can let us know by filling out our online form or alternatively phoning us on .
In certain situations, such as if you’re not a fluent English speaker, you may need to set up an authorised caller who can deal with your insurance policy for you.
You can choose what access this person has and what they can do on your behalf, and you can cancel it at any time. You must not pay the person for this service and it’ll still be your responsibility to make sure all policy details are up to date and accurate. All policy documents will still be sent to the policy administrator.
Please call us on to set up an authorised caller. An authorised caller can only be added by a current policyholder or policy administrator.
Power of attorney
A power of attorney is a legal document that lets a person (the ‘donor’) appoint one or more others (known as ‘attorneys’) to help them make decisions or to make them on their behalf. You may choose to do this if your health or circumstances change.
When we receive the power of attorney document, we’ll contact the attorney to let them know we’ve received it and the policy has been updated. We’ll also write to the policyholder confirming the attorney can deal with the policy on their behalf.
Please send power of attorney documents with your policy number to Admiral Group, David St, Cardiff CF10 2EH.
Citizens Advice or a solicitor can help set up the power of attorney and make sure you have the documents we need. If you have any further queries about adding a power of attorney to your policy please call us on .
Health issues can affect us at any stage of our lives. If you feel you need additional support with your insurance policy due to a health concern, please call us on to see how we can help.
Many people face financial worries at some point in their lives. Getting help and advice as soon as possible can help make sure the problem doesn't get any worse.
We're committed to treating our customers fairly when they're struggling, and we'll do our best to help you if you think you might be having financial problems.
For example, if you know your direct debit payment won’t clear, we may be able to change the payment date to suit you better.
For more information on managing debts, visit National Debtline.
Please call us on if you have any concerns.
For Pet Insurance, Admiral introduces you to Insurance Factory Ltd who arrange and administer the policy. Insurance Factory Ltd is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.