Pet Insurance

Provided by Insurance Factory Ltd


Give your cat or dog the cover they deserve

Whether you are looking for cat insurance or dog insurance, Admiral Pet Insurance could help give your pet the cover they need.

Why choose Admiral Pet Insurance?

Choose from a range of cover, making it easier and more affordable to meet the needs of you and your pets.

Lifetime Cover

  • Vet fees for an accidental injury up to £10K
  • Vet fees for a new illness up to £10K
  • Up to £2M Third party liability for dogs
  • Up to £2,500 Dentistry after accident/injury
  • Continued cover for new illnesses at renewal up to cover fee limit
  • Refresh your illness cover limit at renewal
  • Three levels of cover to choose from

Max Benefit

  • Vet fees for an accidental injury up to £2.5K
  • Vet fees for a new illness up to £2.5K
  • £1.5M Third party liability for dogs
  • Up to £2,000 Dentistry after accident/injury
  • Continued cover for new illnesses at renewal up to cover fee limit
  • No refresh of your illness cover limit at renewal

    Refreshed cover limits are only available as part of our Lifetime Cover options

12 Month

  • Vet fees for an accidental injury up to £2K
  • Vet fees for a new illness up to £2K
  • £1M Third party liability for dogs
  • Up to £2,000 Dentistry after accident/injury
  • Illness only covered for 12 months
  • No refresh of your illness cover limit at renewal

    You can extend this by choosing our Max Benefit or Lifetime Cover options

Your pet deserves the best

Six pawsome reasons to buy Admiral Pet Insurance

Great claims record

96% of claims paid in 2018

Quick claims

Claims are paid within five working days on average

Flexible cover

Choose the cover that best suits you and your pet

Vet fees covered

Up to £10,000 vet fees with Lifetime Cover

Keep in touch

SMS notification when your claim’s received, assessed and settled

Medical conditions

Cover for congenital, hereditary & behavioural conditions

Why do I need pet insurance?

While pet insurance isn’t compulsory, there’s no NHS for animals and the average pet insurance claim in 2018 was £793, according to the Association of British Insurers – a large amount to pay out of your pocket.

The ABI says the “overwhelming majority” of pet insurance payouts were for vet bills – just like humans, medical care for animals is becoming increasingly sophisticated, and therefore, expensive.

The cost of getting quality veterinary treatment can quickly run into thousands of pounds, so having the peace of mind your pet is covered for life-saving treatment can be invaluable.

What’s included?

Lifetime Cover

Lifetime Cover is the most comprehensive policy provided. It covers accidents and illnesses up to the total policy limit, with no time restrictions. At each renewal the policy limit for veterinary fees is reset, so if you've reached your policy limit the previous term, you can start claiming again.

Choose between Classic, Premier and Premier Plus products.

Maximum Benefit Cover

Maximum Benefit Cover provides an allowance of veterinary fees for each condition. Each condition will continue to be covered with no time limit, until you have reached the policy limit for that condition. Once that limit has been exhausted, those conditions will no longer be covered.

12 Month Cover

A 12 Month policy provides an allowance of veterinary fees for a period of 12 months from the date the condition is first treated. When either the veterinary fee limit or the 12 months has been used up, the condition you claimed for will become excluded.

Good to know

You can claim for accidents just 24 hours after your policy starts and for illnesses showing ‘Clinical Signs’ 14 days after.

Clinical Signs means changes in your pet’s normal healthy state, its bodily functions or behaviour.

Pre-existing medical conditions aren’t covered by Admiral Pet Insurance. All cover is subject to premiums being up to date, policy remaining in force and insurer offering renewal.

Make sure you read the full policy benefits before making your choice.

Get a 5% discount with multi pet

If you have more than one cat or dog in your home, multi pet insurance could be the perfect fit. For every pet you add to your multi pet cover, you'll get a 5% discount on each policy, and you'll get that every year you renew with Admiral!

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

It’s quick to get a price for your cat or dog cover with Admiral; you’ll need the following information about your pet to hand:

  • Name
  • Gender
  • Breed
  • Date of birth Price
  • Know whether they’ve been neutered/spayed, chipped/tagged
  • Colour

And a few personal details about the pet owner:

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

Insurance Factory Ltd

For pet insurance, Admiral introduce to Insurance Factory Ltd who arrange and administer the policy. Insurance Factory Ltd is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales Number 02982445. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. The policy is underwritten by Zenith Insurance plc, registered in Gibraltar No. 84085 with registered office address: 846 - 848 Europort, Gibraltar. Zenith Insurance plc is authorised by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in respect of underwriting business in the UK (No: 211787).