Pet Insurance Quote | Save 15% with Multi-Pet Discount | Admiral (2024)

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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:

• 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.

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.

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

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 0343 290 9141.

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.

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).

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

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 0343 290 9141.

If you need to make a claim you can:

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

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.

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.

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, PO63EN.

Alternatively, you can call on 0343 290 9141 or email complaints@insurancefactory.co.uk.

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

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 0343 290 9141 or email petclaims@insurancefactory.co.uk.

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.

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 0343 290 9141 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.

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.

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 policybooklet.

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