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PawSquad gives you:

  • Unhurried consultations with a Royal College of Veterinary Surgeons registered vet with at least five years of clinical experience
  • Immediate access over phone, text or video
  • Follow-up reports on your pet’s health and treatment plans
  • Awareness of treatment options tailored to your pet’s needs

Sign up now Already signed up? Go to PawSquad

Pet Insurance

Even more love for your pets with Admiral Pet Insurance

Free 24hr vet support

Speak to a qualified PawSquad vet any time over live chat, video or voice call

Five star rated cover

Our Gold and Platinum Lifetime cover has Defaqto's highest rating

15% Multi Pet discount

Cover your pets on one policy and get a guaranteed 15% discount per pet

What’s 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.

It means you can access quality care, like access to PawSquad vets, at a lower cost.

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 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 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 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.

More about Pawsquad

Are you a cat or a dog person?

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 our 15% Multi-Pet discount

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%.

Are you feeding your pets the right stuff?

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.

Burns Pet Food Logo Burns Pet Food Logo

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 your price. You’re 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

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My policy begins with ADMP or ADMM

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.

More about PawSquad

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 777 7361.

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.

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My policy begins with ADU or ADH

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 0333 777 7361.

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 0333 777 7361.

How do I make a claim?

If you need to make a claim you can:

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, 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN.

Alternatively, you can call on 0333 777 7361 or email complaints@insurancefactory.co.uk.

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

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Your policy transfer to EUI

Transfer of policies

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.

Why are you changing administrator / underwriter?

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.

Will my cover change?

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.

What happens if I have an Accident Only or a Maximum Benefit policy?

We no longer offer Accident only or Maximum Benefit policies. From your renewal date the policy will lapse. We will send communication to remind you of this, and you will need to take another policy in order for your pet(s) to be insured. We're pleased to be able to offer a new policy on one of our other products that will cover any previous accident claims up to the same limit you currently enjoy, provided you accept a new policy with us. In addition, this will also offer cover for new Accident and Illness claims going forward.

What happens if I’ve made a claim?

Any ongoing claims already in process will be dealt with by Insurance Factory Limited. Any new claims that occur after your policy end date will be dealt with by EUI Ltd provided you accept the revised policy from the policy end date. Any conditions that existed prior to the inception of your Insurance Factory Limited policy would not be covered with Admiral.

If you need to submit a new claim prior to your renewal date, you can do so as normal by contacting the Insurance Factory Claims team on 0333 777 7361 or email petclaims@insurancefactory.co.uk.

Will my price change?

Your premium may change due to factors such as your pet getting older, so the chance of your pet getting ill increases. Prices are reviewed annually, and EUI Ltd will let you know your new price, including what you paid last year as a reference.

What do I need to do?

Around 60 days prior to your renewal you'll be sent a letter from Insurance Factory Limited. Once you receive 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 EUI Ltd. If you are happy for this to happen, you don't need to do anything. We will send you a quote for your pet insurance ensuring that you have continual cover.

If you don't want Insurance Factory Limited to pass your personal details to Admiral Insurance, please follow the instructions in your letter.

What if I change my mind after opting out?

If you've already contacted The Insurance Factory to opt out of your data being transferred, and would like to change your mind, please call Insurance Factory Limited on 0333 777 7361 immediately to confirm you'd like your data shared with EUI Ltd. They'll then send your new policy details including the price and details of any changes between the old and new policy.

Please make sure you contact us prior to the renewal date.

When will I receive my letter?

You will receive the first letter around 60 days prior to your renewal date, with reminder sent closer to the renewal date.

Can I shop around?

While we hope you will stay with us again this year, you may be able to save money if you shop around. Please bear in mind that it's not just the insurance prices that vary. Even if another insurer is quoting a similar price to ours, the levels of cover and policy benefits they offer may be different. It's important that you compare carefully and choose the policy that meets your needs.

Please note, if you decide to take cover with 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 decide to not accept a new policy with Admiral, then we will cease to honour any future claims.

What if I don't want my policy to renew?

Once you've received the new policy invite, if you decide you don't want to accept the revised policy, you just need to let our customer services team know by calling on 0333 777 7361 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 777 7361 or emailing us on petinsurance@admiral.com.

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Transcript

Having an insurance policy for your dog or cat protects against the unexpected.

It covers the cost of vet bills (limits apply) if your dog or cat is injured or becomes ill.

You can also access quality advice from UK-registered vets through PawSquad.

You automatically are entitled to PawSquad when you take out a pet insurance policy with us. But you still need to register with them to get access.

PawSquad give you access to a qualified UK-registered vet 24 hours a day all year round for advice and treatment options over the phone, text or video.

This is what you'll get:

  • Immediate access over text, phone or video call
  • Consultations with a Royal College of Veterinary Surgeons registered vet with at least five years of clinical experience
  • A follow-up report on your pet's health and treatment plan
  • Awareness of treatment options tailored to your dog's needs

Insurance should give you the peace of mind that you always have access to the right care for your dog at a manageable cost.

Sign up now

Already signed up? Go to PawSquad

Back

Five levels of Lifetime cover to choose from

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

You can read the full list in the policy booklet.

Good to know

The table below shows the standard benefits and "up to" limits of each tier.

Blue Bronze Silver Gold Platinum
Veterinary Fees per year

£2K

£3K

£4K

£5K

£10K

CT/MRI scans and Associated Costs
Dentistry as a direct result of an accident
Cruciate Ligament
Overseas Travel Extension (30 day limit)
Excess (Pets aged 0-6)

£99

£99

£99

£99

£99

Excess (Pets aged 6 and above)

£199

£199

£199

£199

£199

Co-Insurance

0%

0%

0%

0%

0%

Third Party Liability (Dogs only, £250 excess)

£1M

£1M

£1M

£2M

£2M

Complementary Medicine/treatments

£500

£500

£500

£500

£500

Special diet

£100

£100

£150

£150

£200

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

£1.5K

£1.5K

£2K

£2K

£3K

Emergency Boarding Kennel/Cattery Fees

£750

£750

£750

£750

£1.5K

Holiday Cancellation Cover

£1K

£1K

£1.5K

£1.5K

£2K

Loss by Theft or Straying

£1.5K

£1.5K

£2K

£2K

£3K

Advertising and Reward

£250

£250

£250

£250

£500

Vet Advice Line
Farewell cover

£100

£100

£150

£150

£200

Multi-pet Discount
Dentistry as a direct result of an illness

£2K

Third Party Accidental Damage

£1K

Behavioural treatment

£2K

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

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