Pet Insurance
Even more love for your pets with Admiral Pet Insurance
Gold and Platinum Lifetime cover
What are you looking for?
What’s covered? Getting a quote Making a claim FAQs Policy books Contact usWhy do I need pet insurance?
Pet insurance helps protect your cat or dog against the unexpected. It covers the cost of vet bills if your pet is injured or becomes ill.
You also get access to PawSquad – a 24-hour online vet helpline. So, you can get advice from a vet whenever you need it.
What type of pet insurance do I need?
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.
Our Lifetime policy includes:
- Up to £10,000 in vet fee cover
- Up to £2 million in third-party liability
- Up to £2,000 in emergency holiday cancellation cover
- Behavioural, dental and emergency kennel/cattery cover
What does pet insurance cover?
Pet insurance gives you a safety net if your furry friend gets ill or is injured.
It depends on your level of cover, but you're covered for things like:
- vet bills for your pet’s accidents and illnesses
- your pet’s dental care as a result of an accident
- cancelling your holiday because of an emergency with your pet
- your pet’s CT/MRI scans
- your pet’s treatment like physiotherapy or hydrotherapy
Always check your policy book to understand what you are and aren’t covered for, and to check your limits and exclusions.
What isn't covered by pet insurance?
Pet insurance doesn't cover everything. Here's some things we don't cover.
Pre-existing conditions
We don't cover any illness or injury that your pet had before your insurance policy starts.
We define a pre-existing medical condition as something that may have been identified by a vet, be under investigation by a vet, or otherwise known to you before your policy starts. It could be diagnosed or undiagnosed.
Claims within the waiting period
A waiting period is the amount of time you must wait after your policy starts before you can make a claim.
We don't cover any injury that happens within the 24 hours of your policy starting, or any illness your pet gets within the first 14 days.
Routine health treatment
We don’t cover any treatments which are considered routine care or any kind of regular treatment that’s needed to keep your pet healthy. This covers things like:
- vaccination costs
- flea or parasite control products
- bathing, grooming, nail clipping or de-matting your pet
- spaying/castration
Check your policy book for the full list.
Breeding or pregnancy
We don’t cover costs for pregnancy, giving birth, or any medical issue to do with your pet breeding. This applies to both accidental and intentional pregnancies.
For a complete list read more about pet insurance in your policy book for the full list of exclusions.
24-hour free vet helpline
We’ve partnered with PawSquad to give you access to vet advice online whenever you need it.
PawSquad lets you speak to a qualified, UK-registered vet at any second of the day for advice and treatment options.
What type of pet do you want to insure?
What do I need to get a pet insurance quote?
Tell us a bit about you and your pet, so we can get you a quote that works for you.
Your pet’s details
- Name
- Gender
- Breed
- Age
- How much you bought or adopted your pet for
- Whether they’ve been spayed or neutered
Your details
- Name
- Date of birth
- Address
- Email address
- Phone number
- When you want your policy to start
How we calculate your pet insurance cost
There are lots of factors that help us to work out the cost of your insurance.
Remember, pet insurance being cheap doesn’t mean it’s the best – or right for you and your pet. Always make sure the policy you’re looking at is enough to cover you, your pet and their needs.
What the experts say
Lorraine Nash, Pet strategic relationship manager
When choosing pet insurance, it’s important to think long term. If you switch insurers later, your pet might not be covered for pre-existing conditions. Choosing the right policy early in your pet’s life can help make sure you stay covered for conditions or illnesses they develop over time – giving you greater peace of mind as they grow.
Need to make a claim?
Check your cover
Check what you’re covered for, and the excess you’ll need to pay.
Get your info ready
Giving us all the information helps speed up the process. This includes any receipts or invoices for vet treatment costs.
Get in touch
Visit our make a claim page or log in to start your claim
Once you have completed these steps, one of our Pet Experts will review your claim and keep you updated.
Reasons to choose Admiral Pet Insurance
Choose cover that’s right for you
With Admiral Pet Insurance, you can pick a policy that covers yours and your pet’s needs. Whether it's vet fees or treatment costs, choose the level of cover that includes everything that matters most to you.
And if you have more than one pet, our MultiPet Insurance lets you choose different cover levels for each pet.
Award-winning cover
Our Lifetime Gold and Platinum policies are rated 5 Stars by Defaqto. Plus, our customers rate us highly on Trustpilot, so you know you’re in safe hands.*
*correct as of March 2026.
No hidden costs
There’s no surprises with your policy. We won't charge you for admin fees if you need to change or cancel your policy. Plus, there's no APR if you pay monthly by direct debit.
If your pet is under the age of 6, you'll also get a choice of how much excess you want to pay, so you can choose a policy that suits you and your budget. After their 6th birthday, you won't be able to change the excess amount.
Vet advice when you need it
We're here for you and your pets. With our pet policies, you get access to PawSquad, a 24/7 online vet helpline. So, whenever you're worried about your cat or dog, you can speak to a vet online for helpful advice.
Pet insurance FAQs
Got more questions? Find out more about pet insurance and how it works.
Does my pet’s age affect pet insurance?
Yes, your pet’s age can change how much it costs to insure them.
As your pet gets older, they’re more likely to get ill or injured, which means more trips to the vets and more vet bills. Your pet insurance will go up to cover those costs.
Do vaccinations affect pet insurance?
Your pet insurance doesn’t cover vaccinations or boosters – you’ll need to pay for these yourself.
If you do have pet insurance, make sure your pet gets all their vaccinations and they’re up to date. We don't cover illnesses that vaccinations could help stop.
Does pet insurance cover the costs of a kennel or cattery?
Yes, but only in emergency situations. We cover kennel or cattery fees if you're ill or have had an accident and there's no one else to look after your pet.
How much we cover also depends on the level of cover you have, the time and your cover limits. If you have pet insurance with us, you should check your policy book to see what you are and aren’t covered for.
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Your questions answered
Policy cover FAQs
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.
We want to assure you that the renewal price is already at our most competitive rate based on factors like your pet's breed, age and health.
If you have more than 1 pet, we'll give you 15% off each pet you insure with us on the same policy.
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