Have a question about our cover?


Choose a topic below to find out the most frequently asked questions.

Do you only cover UK residents?

Yes. You must be a UK resident and domiciled in the UK.

What information do you need to start my cover?

We need some details about you and the pet you wish to insure together with either bank account or debit/credit card details for payment of the premium.

What is the minimum/maximum age for a pet to be insured?

Your pet must be 2 months old at the start date of cover. There is no maximum pet age to apply for this insurance, but there are age limits on cover sections.

Death due to illness is limited to pets under 5 years of age at the time of the incident. Full details are found in the policy wording.

Can you pay my vet directly?

This is something we are able to do provided that your vet is happy with this arrangement.

How can I pay for my policy?

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

How do you calculate premiums?

We look at a number of factors including the age and breed of the pet, the risk of chronic or recurring conditions associated with certain breeds, the area the pet lives in and any claims history.

How long can I claim for each condition?

Provided that you have chosen our Accident & Illness cover we will refresh your veterinary fees benefit each year allowing you to claim for ongoing conditions for as long as you renew your policy.

How do I make a claim?

Just call our claims team at Covea Insurance plc on: 0333 130 4534.

Our opening hours are Monday to Friday 8am to 6pm.

Alternatively, you can make a claim at any time by emailing: claims@petadminteam.com

If your pet has pre-planned treatment, then you can contact us in advance to make your claim. You can even contact us after your pet has had emergency or necessary treatment to claim.

Is dental treatment covered?

Yes. Depending on the type of cover you select we are able to cover treatment provided that it is related to an accident or illness.

How can I pay for my policy?

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

Do you insure working dogs?

Yes, we are able to cover working dogs. This would include a dog that is being used for shooting, hunting or working with livestock. Also a dog that performs tasks to assist a human companion, including therapy dogs.

Do you cover crossbreed pets?

Yes, we are able to cover a crossbreed cat or dog.

Is there an excess on this policy?

Yes there is an excess you will need to pay in respect of each illness or injury for which you wish to claim each year. These are as follows:

Veterinary Fees

For each illness or injury arising during each period of insurance your excess will be:

For pets under 8 years of age at time of treatment: The first £100.
For pets older than 8 years of age at time of treatment: The first £100 plus 20% of the remaining cost of treatment.

Holiday Cancellation

The first £75 of the claim.

Accidental Damage to Third Party Property

The first £75 of the claim.

Accidental Damage to Pet Accessories

The first £50 of the claim.

Emergency Expenses

The first £50 of the claim.

Third Party Liability

The first £250 of property damage claim.

Do you insure guard dogs?

No, sorry – we cannot cover pets that are used for guarding.

Do you insure pets used for breeding?

No, sorry - we cannot provide cover for pets that are used for breeding. There are special policies for their specific risks, and we suggest you speak to your vet or local insurance broker for help finding suitable cover.

What is Public Liability cover for dogs?

Public Liability - also referred to as Personal Liability or Third Party Liability - provides cover against injury to someone or damage to property caused by your dog for which you are legally liable.

Are there any breeds of dog that you are unable to insure?

Unfortunately, we cannot cover (whether pedigree, cross breed or mixed breed) any of the following: Dogo Argentino, Fila Brazillero, Japanese Tosa, Pit Bull, Shar-pei, Wolf or Wolf Hybrid dog and any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments.

Am I covered to take my pet abroad?

Your pet can be covered abroad if you select the Overseas Travel cover, providing your pet complies with the Pet Travel Scheme (PETS).

Overseas Travel can be a useful option if you are planning to take your pet on holiday with you. This allows you to travel with your pet to anywhere inEurope (including Channel Islands, Isle of Man & the Republic of Ireland)for up to 60 days at a time.

Now that the UK has left the European Union, you should consult the governments website for the latest information and/or speak to your vet about how this may impact your travel after 1st January 2021.