Pet Insurance

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.

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 10% 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 10% (£31.50) =  £283.50
• Total excess paid by you (£85 + £31.50) = £116.50  
• Total paid by us =  £283.50

A £250 excess applies once per claim for Third Party Liability cover (dogs only).

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.

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.

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.

You can call the customer services team on 0330 102 5741

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 0330 102 5761.

If you need to make a claim you can:

• Call 0330 102 5745
• Email petclaims@ultimateservices.co.uk
• 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 Ultimate Pet Partners immediately on 0330 102 5745 for pre-authorisation as we might want to get a second opinion from our veterinary advisor.

Opening hours:

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

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.

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.

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

Alternatively, you can call on 0330 102 5741 or email complaints@ultimateservices.co.uk.

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

There's no limit to how many cats or dogs you add to your Admiral Pet Insurance policy.