Pet Insurance

Cover your pets with love

With flexible cover and generous discounts for multi-pet and existing customers, you have plenty of options to choose from.

What's covered?

Our Gold and Platinum Lifetime cover comes with Defaqto's highest 5 Star rating

Gold and Platinum Lifetime cover has a 5 Star rating

DC League of Superpets

Super prizes with super pet insurance

Win a £40 cinema voucher when you register your interest in Admiral Pet Insurance. Ends 11th August. T&Cs apply.

Register your interest

Pet 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

Read more about Lifetime 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?

24-hour free vet helpline

We've partnered with PawSquad to offer you access to 24-hour veterinary advice all year-round.

PawSquad allows you to speak to a qualified, UK-registered vet at any second of the day for advice and treatment options.

Read more

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

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.

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 existing customer deals

Get a great deal with Multi-Pet and existing customer discounts.

Your questions answered

show

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.

Do I get discount for adding more pets?

Absolutely!

You can get a 15% discount of each policy if you insure more than one cat or dog in your home with our Multi-pet insurance.

Can I get help from a vet out of hours?

Yes.

Our partnership with Pawsquad gives you 24/7 access year-round to a qualified vet with at least five years’ experience. You can chat to this vet over text, video or telephone at any time.

Sign up here.

How do I renew my pet insurance?

If you pay monthly by Direct Debit your policy will automatically renew after 12 months. If you pay annually, you’ll be invited to renew by email or letter at the end of each term.

If you’d like to opt in or out of your automatic renewal, please call our customer services team on 0333 7777 361.

How do I make a claim on my pet insurance?

If you need to submit a claim, please click here. For more information on how to submit a claim, or contact an advisor, please visit our Make A Claim page.

Will you pay the vet directly?

Payments can be made directly into your or your vet’s bank account. We just need the account details.

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 our service isn’t up to standard, let us know on our complaint page.

show more
show

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.

Will my price change?

Your premium may change because of things like your pet getting older. Prices are reviewed annually, and we’ll let you know your new price, including what you paid last year as a reference.

What happens if I’ve made a claim?

Insurance Factory Limited will deal with any ongoing claims. We’ll deal with any new claims that occur after your policy end date if you accept the revised policy.

Any conditions that existed before you started your Insurance Factory Limited policy won’t be covered with us.

If you need to submit a new claim before your renewal date, you can contact the Insurance Factory Claims team on 0330 102 5745 or email petclaims@insurancefactory.co.uk.

What if I change my mind after opting out?

Call Insurance Factory Limited on 0343 290 9141, letting them know you’ve changed your mind. They’ll send your new policy details including the price and any changes between the old and new policy.

Please contact us before your renewal date.

What happens if I have an accident abroad?

You still need to report the claim to us as normal. The claim will then be given to a specialist team who will be in touch with you about next steps. If your vehicle is driveable, you can continue your journey and repairs will be arranged when you return to the UK with the vehicle. If it is not driveable, we may arrange the vehicles safe return for you, but unfortunately we will be unable to provide a repair service or courtesy car while you are abroad. (excluding Admiral Essential policy, as this does not cover you for driving abroad)

Can I shop around?

Of course!

However, compare the benefits instead of just relying on price alone. Another insurer may quote a similar price to ours, but the levels of cover may be different.

Please note: if you choose another insurer, any breaks in cover or pre-existing conditions may not be covered with the new insurer and, therefore, you may not be able to claim for ongoing conditions. If you don’t accept a new policy with us, then we’ll stop honouring any future claims.

Can I cancel

Yes, you just need to let our customer services team know by calling on 0333 7777 361 or emailing us on petinsurance@admiral.com.

Making a complaint

If you’d like to make a complaint about the change in administrator, please contact our customer services team by calling on 0333 7777 361 or emailing us on petinsurance@admiral.com.

show more
show

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.

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 complaints@insurancefactory.co.uk.

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

show more

Read more about pet insurance

Pet vaccines and insurance

Pet vaccines and insurance

Get the lowdown
Dental cover for pets

Dental cover for pets

Protect those gnashers
Essential pet insurance jargon buster

Essential pet insurance jargon buster

Get to know the lingo
Back

Four levels of lifetime cover to choose from

We've made it easy for you to get the right cover for your pet. All come with access to PawSquad, our 24-hour vet helpline.

You can read the full list in the policy booklet.

Blue

Silver

Gold

Platinum

Product Type

Lifetime

Lifetime

Lifetime

Lifetime

Vetinary Fees
(per year)

£2,000

£4,000

£5,000

£10,000

Excess
(Age 0-6)

£99

£99

£99

£99

Excess
(Age 6 and above)

£199

£199

£199

£199

Co-Insurance

0%

0%

0%

0%

CT/MRI scans and Associated Costs

Vet fee limit

Vet fee limit

Vet fee limit

Vet fee limit

Dentistry as a direct result of an accident

Vet fee limit

Vet fee limit

Vet fee limit

Vet fee limit

Cruciate Ligament

Vet fee limit

Vet fee limit

Vet fee limit

Vet fee limit

Overseas Travel Extension
(30 day limit)

Vet fee limit

Vet fee limit

Vet fee limit

Vet fee limit

Third Party liability
(Dogs only)

£1,000,000

£1,000,000

£2,000,000

£2,000,000

Complementary Medicine/treatments

£500

£500

£500

£500

Special Diet

£100

£150

£150

£200

Dentistry as a direct result of an illness

£2,000

Death of pet by illness
(cover ceases after age 6+)

£1,500

£2,000

£2,000

£3,000

Death of pet by accident

£1,500

£2,000

£2,000

£3,000

Emergency Boarding Kennel/Cattery Fees

£750

£750

£750

£1,500

Holiday Cancellation Cover

£1,000

£1,500

£1,500

£2,000

Loss by Theft or Straying

£1,500

£2,000

£2,000

£3,000

Advertising and Reward

£250

£250

£250

£500

Third Party Accidental Damage

£1,000

Vet Advice Line

Behavioural treatment

£2,000

Farewell cover

£100

£150

£150

£200

Multi-pet Discount

Two levels of Time Limited cover

We offer two tiers of Time Limited cover. Both last for 12 months.

You can read the full list in the policy booklet.

ESSENTIAL

EXTRA

Product Type

12 month

12 month

Veterinary Fees
(Per condition)

£2,000

£4,000

Excess
(Age 0-6)

£99

£99

Excess
(Age 6 and above)

£199

£199

Co-Insurance

0%

0%

CT/MRI scans and Associated Costs

Vet Fee Limit

Vet Fee Limit

Cruciate Ligament

Vet fee limit

Vet fee limit

Dentistry as a direct result of an accident

Vet fee limit

Vet fee limit

Overseas Travel Extension
(30 day limit)

Vet Fee Limit

Vet Fee Limit

Third Party Liability
(Dogs only)

£1,000,000

£1,000,000

Complementary medicine/treatments

£500

£500

Special Diet

£100

£100

Dentistry as a direct result of an illness

Death of pet by illness
(cover ceases after age 6+)

£1,000

£1,500

Death of Pet by accident

£1,000

£1,500

Emergency Boarding Kennel/Cattery Fees

£750

£750

Holiday Cancellation Cover

£1,000

£1,500

Loss by Theft or Straying

£1,000

£1,500

Advertising and Reward

£250

£250

Vet Advice Line

Behavioural treatment

Farewell cover

£100

£150

marin_tracker