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Pet Insurance

Something super is coming soon

We're offline until July 19th while we work behind the scenes on something exciting. Give us your email address, and we’ll keep you up to date on our exciting news.

Existing customer?

Existing customer can still contact the Insurance Factory Ltd, where our friendly team are waiting to handle any questions you have about your existing policy, claims or renewal.

Existing customers

Why insure your pet?

Vet treatment is expensive and, usually, unplanned. Treatment can cost hundreds of pounds, and you want to make sure your pet gets the help they need as soon as possible.

Just like humans, medical care for animals is becoming more advanced and expensive, meaning most pet insurance payouts are for vet bills.

Pet insurance helps you stay prepared and access quality care if your furry family member ever needs help.

Types of pet cover


Lifetime is the most comprehensive pet cover. Lifetime policies cover your pet/s for accidents and illnesses up to the policy limit you've chosen each year. At renewal, the limit resets.

It's best if you want long-term cover.

Time Limited

Time Limited covers your pet for accidents and illnesses over 12 months from when symptoms start.

It's best if you want short-term cover.

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

To get a quote quickly, make sure you have the following:

Pet details

  • Name
  • Gender
  • Breed
  • Date of birth
  • Price
  • Spay and neuter
  • Colour

Your details

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

How we calculate your pet insurance cost

Calculating your insurance premium involves many factors, as health involves lots of risk. Remember, the cheapest pet insurance may not have the cover your pet needs.

Typically, we'll use this information to calculate your pet insurance quote:

  • Age – Like us, animals are more prone to illness as they get older. This means that every year, your insurance premium will increase.
  • Breed – some breeds can suffer from medical conditions more often, which can increase their premium. For example, you're more likely to claim if you have a pedigree pet.
  • Location – your premium is linked to the cost of vet treatment in your local area. If vet treatment is expensive where you live, then you'll have pricier premiums.
  • Claims history - your claim history may affect the price you pay, you're more likely to pay more if you have claimed.
  • Medical advances – Medical advancement can sometimes mean more expensive or cheaper treatment which impacts your premium. Premiums will reflect the introduction of new treatment options.
  • Legislation – we don't have any say in how much tax we pay on each policy. This can mean we charge more if the government raises the IPT rate.

What isn't covered by pet insurance?

Pet insurance can't cover everything. Typically, most pet insurance policies won't cover:

However, always refer to your policy document to find what is and isn't covered.

  • Grooming
  • Vaccinations
  • Defleaing
  • Deworming
  • Nail clipping
  • Bathing
  • De-matting
  • Spaying/castration

How to make your pet insurance cheaper

There are a few things you can do to lower your pet insurance costs:

Look after your pet

Healthy pets typically incur fewer vet bills which means you’ll enjoy lower pet insurance costs.

Keep your pet up to date with vaccinations, regularly deworm and deflea and always prioritise their diet, exercise and mental wellbeing.

Research your breed

Some breeds are more expensive than others. Pedigree breeds, for example, are more likely to require care, which can increase premiums.

Spay or neuter your pet

Spaying and neutering your pet can reduce premiums as the process reduces the chance of contracting certain diseases.

Make the most of multi-pet and multi-cover

Deals like Multi-Pet and Multi-Cover insurance will get you discounts.

Your questions answered


Insurance Factory customers

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. Adding more pets will net you a multi-pet discount too.

What is my pet excess?

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% is deducted for Veterinary Fees, Complimentary Medicine, Cruciate Ligament Damage, Special Diet and Dentistry (where these are covered) for each claim payment. This amount is 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 happens 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) covers the cost of repairing the damage or replacing the item, subject to the cover limit.

Exceptions apply, see Section 8 of your policy booklet for full terms and conditions.

What is Third Party Liability for dogs?

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 your policy booklet for full terms and conditions

Is there an age limit for covering my pet?

Your pet must be at least eight-weeks-old to get cover. There's no upper age limit, making our 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?

If you need to make a claim you can:

If the total veterinary fees are likely to exceed £1,000 you must tell 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 the vet directly?

We can pay your vet directly – just check with them and let us know.

Payments can be made directly into your or your vet's bank account if we hold the account details. Alternatively, you can get a cheque.

What vet can I use?

You can use whatever vet you want – we'll never tell you which practice to use.

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 please see our complaints procedure.

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