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 for this please click HERE, complete the 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
96% of claims paid in 2018
Quick claims
Claims are paid within five working days on average
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
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!
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
Useful guides
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 £85 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 £85 = £315
- Minus the variable excess of 20% (£63.00) = £252.00
- Total excess paid by you (£85 + £63.00) = £148.00
- Total paid by us = £252.00
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.
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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 introduce 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.