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.
Compare our two cover options.
Lifetime is our most comprehensive pet cover. Lifetime policies cover your pet 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.
Typically, most pet insurance policies won't cover:
However, always refer to your policy book to find what is and isnt covered.
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.
To get a quote quickly, make sure you have the following:
Multi-Pet Insurance offers a discount of up to 15% per pet and keeps your whole pack covered.
You could get 10% off if you're an existing Admiral customer too.
If you qualify for both discounts, we'll take 10% off the full price and a further 15% off the new discounted price - so your total discount will be 23.5%.
We're excited to partner with Burns, the pet nutrition experts. Burns provide premium quality natural food with simple ingredients that support cats and dogs throughout their lives.
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:
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. |
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.
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.
Your premium may change due to a few factors:
Prices are reviewed annually, and we will let you know your new price, including what you paid last year, as a reference.
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.
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:
A £250 excess applies once per claim for Third Party Liability cover (dogs only).
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.
Admiral (EUI) will be taking over the administration of the Pet insurance policies from Insurance Factory Limited. For any policies due to renew on or after 20/06/2024 you will be sent a letter explaining what is happening near your renewal date.
Currently your Admiral policy is arranged and administered by Insurance Factory Limited. In keeping with Admiral's (trading name of EUI Ltd) desire to provide an increasingly effective service to our customers, we are taking over the administration and underwriting of the Pet Insurance product, and no longer using Insurance Factory Limited as a third-party administrator.
The new policies will be similar to the current ones, however we will no longer be offering Maximum Benefit or Accident Only policies. If you have one of these, EUI Ltd will be more than happy to offer you one of our other products. Your current cover will cease on the renewal date, so it's important you contact us following this letter to talk through your options. EUI Ltd are continuing to offer Time Limited and Lifetime policies, all changes will be outlined in your policy documents.
JustEat.co.uk Limited (“JustEat”) is not a sponsor of this Promotion. JustEat e-vouchers may be redeemed on the just-eat.co.uk website towards the purchase of eligible products to delivery or takeaway restaurants in the UK displayed on their website. The voucher cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Neither JustEat or EUI Limited are responsible if an e-voucher is lost, stolen, destroyed, or used without permission. See https://www.just-eat.co.uk/info/terms-and-conditions for complete terms and conditions.