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Register your interestPet insurance that works for you
Free 24/7 PawSquad access
Speak to a qualified, UK-registered vet at any time for advice and treatment options
Save with Multi-Pet
Cover multiple pets and make savings with our 15% Multi-Pet discount
No extra fees
You won't pay any fees for cancelling or changing your policy
Why insure your pets
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 pricier, 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.
What type of cover is best for me?
Compare our two cover options.
Lifetime is our 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.
Our Lifetime policy includes:
- Up to £10,000 in vet fee cover
- Up to £2,000,000 in third-party liability
- Up to £2,000 in emergency holiday cancellation cover
- Behavioural, dental and emergency kennel/cattery cover
What isn't covered by pet insurance?
Pet insurance can’t cover everything. Typically, most pet insurance policies won’t cover:
- Grooming
- Vaccinations
- Defleaing
- Deworming
- Nail clipping
- Bathing
- De-matting
- Spaying/castration
However, always refer to your policy document to find what is and isn’t covered.
Are you a cat or a dog person?
Information you need for your pet insurance quote
To get a quote quickly, make sure you have the following:
Pet details
- Name
- Gender
- Breed
- Age
- Purchase or donation price
- Spay or neuter status
Your details
- Name
- Date of birth
- Address
- Email address
- Phone number
- Date you'd like the policy to start
Don't miss up to 15% Multi-Pet discount
If you have more than one cat or dog in your home, Multi-Pet Insurance could be the perfect fit.
We also have up to a 10% discount for existing customers.
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 Insurance Premium Tax rate.
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. |
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|---|---|---|
Choose the breed carefully |
Some breeds are more expensive than others. Pedigree breeds, for example, are more likely to require care, which can increase premiums. |
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Spay or neuter your pet |
Spaying and neutering your pet can reduce premiums as the process reduces the chance of contracting certain diseases. |
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Make the most of Multi-Pet and existing customer deals |
Get a great deal with Multi-Pet and existing customer discounts. |
Your questions answered
New pet insurance customers
What is excess?
Excess is an amount you will have to pay towards a claim. With us, all pets under the age of 6 will have a £99 excess. Pets 6 years and over will have an excess of £199.
You can choose to pay the higher excess of £199 if you have a pet under age 6. We’ll deduct this amount from the claims settlement.
There is a £250 excess applied once per claim for Third Party Liability cover (dogs only) and third-party accidental damage cover available on our Platinum tier.
What is a pre-existing condition?
A pre-existing condition is any illness, injury or complication that results from an injury or illness.
A pre-existing condition can be diagnosed or undiagnosed. It refers to a medical condition that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance.
A condition is considered pre-existing when it happens within the first 14 days of the policy for illness or 24 hours in the case of injury.
We don’t cover for pre-existing conditions.
Will my price change at renewal?
Your premium may change due to a few factors:
- Age
- Breed
- Location
- Claims history
- Medical advances
- Legislation
Prices are reviewed annually, and we will let you know your new price, including what you paid last year, as a reference.
Migrating pet insurance customers
Why are you changing administrator / underwriter?
As part of our mission to offer a more effective service for you, we’re taking over the administration and underwriting from Insurance Factory Limited.
What do I need to do?
We’ll send you a letter around 60 days before your renewal.
Once you get your letter, you need to decide if you want your personal details (which may include your bank account details if you pay by Direct Debit) passed to us.
If you’re happy for this to happen, you don’t need to do anything. We’ll send you a quote for your pet insurance making sure you’re covered.
If you don’t want Insurance Factory Limited to pass your personal details to us, follow the instructions in your letter.
Will my cover change?
We still offer Time Limited and Lifetime policies and your policy documents will outline all changes.
We won’t offer Maximum Benefit or Accident Only policies anymore. If you have one of these, we can offer you one of our other products.
Your current cover will cease on your renewal date, so get in touch with us after you get your letter to discuss your options.
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?
Accidental Damage (Premier and Premier Plus Only) If your pet damages someone else's personal items while in their property we will cover the cost to repair the damage or replace subject to the cover limit. Exceptions apply, see Section 8 of the policy booklet for full terms and conditions.
