Pet Insurance

Arranged by Insurance Factory Ltd

Round the clock care for your cat or dog - cover they deserve

Looking for dog insurance or cat insurance? Admiral Pet Insurance can help with the cover your pet needs.

What's covered?

We understand that our customers' financial circumstances may have been affected by Covid-19. We may be able to reduce the cost of your cover by reviewing your current requirements. Please contact us to discuss how we can help.

If you are paying for your cover by monthly instalments, and have not yet received financial support, you can apply for a deferral of payment. Should you wish to apply, complete this form and we'll be in touch with you.

Why choose Admiral Pet Insurance?

Choose from a range of cover, making it easier and more affordable to meet the needs of you and your pets.

12 Month

Max Benefit

Lifetime Cover

Lifetime Cover

  • Vet fees for an accidental injury up to £10K
  • Vet fees for a new illness up to £10K
  • Up to £2M Third party liability for dogs
  • Up to £2,500 Dentistry after accident/injury
  • Continued cover for new illnesses at renewal up to cover fee limit
  • Refresh your illness cover limit at renewal
  • Three levels of cover to choose from

Max Benefit

  • Vet fees for an accidental injury up to £2.5K
  • Vet fees for a new illness up to £2.5K
  • £1.5M Third party liability for dogs
  • Up to £2,000 Dentistry after accident/injury
  • Continued cover for new illnesses at renewal up to cover fee limit
  • No refresh of your illness cover limit at renewal

    Refreshed cover limits are only available as part of our Lifetime Cover options

12 Month

  • Vet fees for an accidental injury up to £2K
  • Vet fees for a new illness up to £2K
  • £1M Third party liability for dogs
  • Up to £2,000 Dentistry after accident/injury
  • Illness only covered for 12 months
  • No refresh of your illness cover limit at renewal

    You can extend this by choosing our Max Benefit or Lifetime Cover options

Your pet deserves the best

Six pawsome reasons to buy Admiral Pet Insurance

Great claims record

97.4% of claims paid in 2020
(Between Jan - Aug 2020)

Quick claims

All eligible claims are assessed within five working days on average (Between Sept 2020 - Jan 2021)

Flexible cover

Choose the cover that best suits you and your pet

Vet fees covered

Up to £10,000 vet fees with Lifetime Cover

Keep in touch

SMS notification when your claim’s received, assessed and settled

Medical conditions

Cover for congenital, hereditary & behavioural conditions

(New)24-Hour Vet Helpline

We know how distressing it can be when our little pets are under the weather, so we’re delighted to offer Admiral Pet Insurance customers access to a 24-hour vet helpline.

With any level of pet insurance you buy, our vet helpline offers you peace of mind that a professional is always just a phone call away - 24 hours a day, 365 days a year.

Read more

Why do I need pet insurance?

While pet insurance isn’t compulsory, there’s no NHS for animals and the average pet insurance claim in 2018 was £793, according to the Association of British Insurers – a large amount to pay out of your pocket.

The ABI says the “overwhelming majority” of pet insurance payouts were for vet bills – just like humans, medical care for animals is becoming increasingly sophisticated, and therefore, expensive.

The cost of getting quality veterinary treatment can quickly run into thousands of pounds, so having the peace of mind your pet is covered for life-saving treatment can be invaluable.

Which furry friend do you want to insure?

Get a 5% discount with multi pet

If you have more than one cat or dog in your home, multi pet insurance could be the perfect fit. For every pet you add to your multi pet cover, you'll get a 5% discount on each policy, and you'll get that every year you renew with Admiral Pet Insurance!

Minimum premium spend required to be eligible for discount, £89.76 for dogs and £65.67 for cats.

What’s included?

Lifetime Cover

Lifetime Cover is the most comprehensive policy provided. It covers accidents and illnesses up to the total policy limit, with no time restrictions. At each renewal the policy limit for veterinary fees is reset, so if you've reached your policy limit the previous term, you can start claiming again.

Choose between Classic, Premier and Premier Plus products.

Maximum Benefit Cover

Maximum Benefit Cover provides an allowance of veterinary fees for each condition. Each condition will continue to be covered with no time limit, until you have reached the policy limit for that condition. Once that limit has been exhausted, those conditions will no longer be covered.

12 Month Cover

A 12 Month policy provides an allowance of veterinary fees for a period of 12 months from the date the condition is first treated. When either the veterinary fee limit or the 12 months has been used up, the condition you claimed for will become excluded.

Good to know

You can claim for accidents just 24 hours after your policy starts and for illnesses showing ‘Clinical Signs’ 14 days after.

Clinical Signs means changes in your pet’s normal healthy state, its bodily functions or behaviour.

Pre-existing medical conditions aren’t covered by Admiral Pet Insurance. All cover is subject to premiums being up to date, policy remaining in force and insurer offering renewal.

Make sure you read the full policy benefits before making your choice.

What information do I need to get a pet insurance quote?

It’s quick to get a price for your cat or dog cover with Admiral; you’ll need the following information about your pet to hand:

  • Name
  • Gender
  • Breed
  • Date of birth Price
  • Know whether they’ve been neutered/spayed, chipped/tagged
  • Colour

And a few personal details about the pet owner:

  • Name
  • Date of birth
  • Address
  • Email address
  • Phone number
  • Date you’d like the policy to start

Your questions answered

What is Lifetime Cover?

Lifetime Cover gives a financial limit for all new accidents and illnesses, combined each year.

When the financial limit is reached, no further claims can be made until the policy is renewed.

At renewal, the financial limit is fully reinstated as long as your policy remains active with no breaks and payments are kept up-to-date.

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).

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.

What is Third Party Liability (Dogs Only)?

This offers cover if your dog injures a person or another animal or causes damage to a property. It covers compensation, claimant costs and expenses such as legal costs and expenses subject to the cover limit. See Section 10 of the policy booklet for full terms and conditions.

Is there an age limit for insuring my pet?

Your pet must be at least eight-weeks-old before the can be covered. There's no upper age limit, making Admiral Pet Insurance perfect for older pets too.

How do I update my pet insurance policy details?

You can call the customer services team on 0330 102 5741

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.

How do I make a claim on my pet insurance?

If you need to make a claim you can:

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.

Opening hours:

  • Monday - Friday: 8am – 8pm
  • Saturday: 9am – 2pm
  • Sunday Closed

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.

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.

How do I make a complaint?

If you're unhappy with any part of the service, please write to the Complaints Department at Insurance Factory Ltd, 5th Floor, The Connect Centre, Kingston Crescent, North End, Portsmouth, Hampshire, PO2 8DE.

Alternatively, you can call on 0330 102 5741 or email

For more details on our complaint procedure, please click here.

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.

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Useful guides

Care for your pet in hot weather

Care for your pet in hot weather

Keep your pet cool
Why is microchipping your dog so important?

Why is microchipping your dog so important?

Microchipping your pet
How to get a pet passport

How to get a pet passport

Taking your pet abroad
How to treat a pet with anxiety

How to treat a pet with anxiety

Anxiety triggers

Policy documents

Please choose the PDF associated with your product's start date. You'll need Adobe Acrobat Reader to view these files, it can be downloaded for free from the Adobe website.

For policies from 20/07/2016 please see the link below.


Insurance Factory Ltd

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.  The policy is underwritten by HDI Global Specialty SE UK. Registered in Germany, registration number HRB 211924. Registered Office Roderbruchstraße 26, 30655 Hannover, Germany acting through its UK branch whose office is located at 10 Fenchurch Street, London EC3M 3BE, United Kingdom. Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised to limited regulation by the Financial Conduct Authority (FCA No. 659331). Third party liability (dogs only) is underwritten by Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA, Registered in England and Wales No. 354568.