Pet Insurance

Arranged by Insurance Factory Ltd


Round the clock care for your cat or dog - cover they deserve

Looking for dog insurance or cat insurance? Admiral Pet Insurance can help with the cover your pet needs.




What's covered?

We understand that our customers' financial circumstances may have been affected by Covid-19. We may be able to reduce the cost of your cover by reviewing your current requirements. Please contact us to discuss how we can help.

If you are paying for your cover by monthly instalments, and have not yet received financial support, you can apply for a deferral of payment. Should you wish to apply, complete this form and we'll be in touch with you.

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.

12 Month

Max Benefit

Lifetime Cover

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

Five pawsome reasons to buy Admiral Pet Insurance

Great claims record

93% of claims paid
(January 2021 - October 2021)

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

(New)24-Hour Vet Helpline

We know how distressing it can be when our little pets are under the weather, so we’re delighted to offer Admiral Pet Insurance customers access to a 24-hour vet helpline.

With any level of pet insurance you buy, our vet helpline offers you peace of mind that a professional is always just a phone call away - 24 hours a day, 365 days a year.

Read more

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 2020 was £817, according to the Association of British Insurers – a large amount to pay out of your pocket.

The 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.

Which furry friend do you want to insure?

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 Pet Insurance!

Minimum premium spend required to be eligible for discount, £93.38 for dogs and £68.33 for cats.

What’s included?

Lifetime Cover

Our most comprehensive cover, Lifetime policies cover your pet/s for accident and illnesses up to the policy limit you’ve chosen each year, at renewal the limit resets.

Maximum Benefit Cover

This policy provides cover for accident and illnesses up to the Vet Fee Limit for each condition, you can claim for as many conditions as you need to, however once you hit the limit for a condition, you won’t be able to claim for this condition again.

12 Month Cover

This policy provides cover for accident and illnesses for a period of 12 months from when symptoms started. When either the veterinary limit or the 12 months has been used up, you won’t be able to claim for this condition again. You can still claim for new conditions.

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.

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

Your questions answered

What would my pet excess be?

We’ll deduct an excess of £100 from your benefit for each illness or accidental injury treated. 
If your pet is over six years old, an additional 20% will be deducted for Veterinary Fees, Complimentary Medicine, Cruciate Ligament Damage, Special Diet and Dentistry (where these are covered) for each claim payment. 

This will be deducted from the claims settlement.

An example calculation for the amount you'll pay in the event of a claim for pets over six-years-old is below: 

  • 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

There is a £250 excess applied once per claim for Third Party Liability cover (dogs only).

What is an excess and co-payment?

Your excess is the amount you pay towards a claim. A co-payment is an additional payment you’ll make towards the cost of any claim, minus your excess.  

With Admiral Pet Insurance, any pets over six-years-old will have an additional 20% 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. 

What is a pre-existing condition?

A pre-existing condition is any illness, injury or complication directly resulting from an injury or illness, whether diagnosed or undiagnosed that is known to you prior to the start of your policy, or within the first 14 days for illness or 24 hours for injury

What can’t I claim for on my pet insurance?

You won’t be able to claim for any pre-existing condition before the policy started.  We don’t cover routine treatment such as vaccinations, flea/worm treatment and neutering. More information about what else is and isn't covered on your insurance policy can be found in your policy booklet.

Why has my price increased at renewal?

As your pet ages the chance of them needing treatment increases which means you’re more likely to claim on your policy. This can increase your renewal price. However, we consider multiple factors such as age, location and average veterinary fee costs at renewal and review our prices regularly to make sure you get the best price.

Why is a new quote sometimes cheaper than my renewal quote with you when it’s the same pet?

From 1st January 2022 a new ruling has been introduced that prevents Home and Motor Insurance companies offering a higher price at renewal than they would offer for new business using the same risk details.

This ruling does not apply to Pet Insurance, and this is because of the difference in cover provided at new business compared to renewal.

New policies generally contain a waiting period before your cover actually starts and often exclude anything your pet has shown symptoms of, or has been treated for, prior to your policy starting. As renewals do not have these terms, the higher premium reflects the higher risk being carried by the insurer compared to a brand-new customer.

Admiral offer a range of policies you can switch between so if you are looking to reduce your premium, but keep existing conditions covered, contact us now to see your personalised options and specific terms that would apply.

Do I get a discount for adding more pets?

Absolutely! If you have more than one cat or dog in your home, our Multi Pet Insurance could be the perfect fit. You'll get a 5% discount for every pet you add to your Multi Pet policy. 

Can I get help from an out of hours emergency vet?

We understand that having a poorly pet can be distressing and it’s important to get veterinary advice as soon as possible. With any level of Admiral Pet Insurance you’ll be given 24-hour access to a vet helpline where fully RCVS trained staff can answer any queries you may have 365 days a year.

What is European cover for pets?

We’ll provide cover for your pet while you’re on holiday with them in European Union States and Territories included in the Government’s Pet Travel Scheme (PETS). This is available for up to 30 days on all levels of cover (except Accident Only). You’ll also be covered if you need to cancel your holiday or cut your trip short because your pet needs lifesaving treatment. 

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. 

To speak to someone in our renewals team, call 0343 290 9141

How do I make a claim on my pet insurance?

If you need to make a claim on your pet insurance you can:

•    Call 0343 290 9141
•    Email petclaims@insurancefactory.co.uk
•    Write to Admiral Pet Insurance, 5th Floor, Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE.


Opening hours:
•    Monday - Friday: 8am – 8pm
•    Saturday: 9am – 2pm
•    Sunday Closed

You must notify us immediately if the total veterinary fees are likely to exceed £1,000 on 0343 290 9141 for pre-authorisation .

How long will it take to process my claim?

We aim to process your claim within 4 weeks from receipt of all required information and will be in touch if anything else is needed from you or your vet.



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Useful guides

Care for your pet in hot weather

Care for your pet in hot weather

Keep your pet cool
Why is microchipping your dog so important?

Why is microchipping your dog so important?

Microchipping your pet
How to get a pet passport

How to get a pet passport

Taking your pet abroad
How to treat a pet with anxiety

How to treat a pet with anxiety

Anxiety triggers

Policy documents

Please choose the PDF associated with your product's start date. You'll need Adobe Acrobat Reader to view these files, it can be downloaded for free from the Adobe website.

 

Insurance Factory Ltd

For pet insurance, Admiral introduces you 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 HDI Global Specialty SE UK. Registered in Germany, registration number HRB 211924. Registered Office Roderbruchstraße 26, 30655 Hannover, Germany acting through its UK branch whose office is located at 10 Fenchurch Street, London EC3M 3BE, United Kingdom. Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised to limited regulation by the Financial Conduct Authority (FCA No. 659331). Third party liability (dogs only) is underwritten by Ageas Insurance Limited, Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA, Registered in England and Wales No. 354568.

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