Asda Pet Insurance
Frequently asked questions
What type of cover does Asda Pet Insurance provide?
Asda Pet Cover is only for cats and dogs and offers three types of insurance – Maximum Benefit cover, 12 month cover and Lifetime cover.
The cost of treatment for each qualifying illness, injury or behavioural disorder up to the limit shown on your schedule, including the statement of insurance. Cover is continuous for each separate illness, injury or behavioural disorder up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date. Treatment in respect of any condition can continue until the original fees limit has been reached without time limit.
12 month cover
Our Value and Standard policies offer 12 month cover. So if your pet becomes ill, they’ll be covered to the vet's fee limit for up to 12 months - as long as you keep your policy renewed, your premiums up to date and the insurer invites renewal. If your pet still needs treatment after the 12 months have passed, they will not be covered. Cover begins from the first clinical signs of illness. We also offer Accident Only cover which can be a great alternative for younger, more energetic pets that are more likely to get into scrapes than become unwell.
Our 5 Star Defaqto rated Superior policy covers up to £7,500 of vets fees. So if your pet becomes ill they will be covered up to the policy limit for each year they need treatment, as long as you keep your policy renewed, premiums paid up to date and the insurer invites renewal, there is no limit on how long you can claim for each illness or injury.
Is there anything you do not cover?
We try our best to cover as many conditions for cats and dogs as possible. The list below shows some of the events that are not included. You can look at our policy wording for full details and for other exclusions.
- The cost of treating an illness or injury that first shows clinical signs or happens in the first 14 days of cover
- Routine examinations, vaccinations and preventative treatments
- Any medical condition that your pet had before cover was started
- Dental treatment except as a result of an accident
How do you calculate my quote?
We look at the breed of your pet, its age, sex, original purchase price and where you live when working out the cost of your cover.
Will the cost of my insurance change each year?
When your quote’s due for renewal, we’ll recalculate the cost of your insurance. As your pet gets older it costs more to insure so you may see a rise in your insurance each year.
Are there any age limits?
You can purchase Asda Pet Insurance for your dog or cat as soon as they are over 8 weeks old. Once your pet's policy has been issued, they can be covered up to any age, as long as the policy is renewed and payments are up-to-date. The only benefit that stops is death from illness cover. When your dog is over 9 years old or your cat over 11 years old, we won't give you back the purchase price if they die or have to be put to sleep through illness or natural causes. All other benefits continue.
What are the excesses I will have to pay, should I make a claim?
The amount you’ve agreed within your individual policy will be paid towards each new illness or injury. If you have a dog, you’ll also need to pay a £100 excess towards any claim for third party liability occurring in the UK or £250 if the incident is outside the UK but within the EU.
Veterinary claims may be subject to a 10% variable excess (dependent on the age and breed of your pet), in addition to the compulsory excess payable per condition.
How do I claim?
Call us on 0844 561 1467 (Lines open Monday to Friday 8am to 6pm, Saturday 9am to 2pm. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator) and we’ll send you a personalised claim form with your details already filled in. To make it easier for you we usually pay the vet directly if they are set up for this. If the vet is unable to offer this facility or you’ve already paid the vet, we’ll send you a cheque. Full instructions about how to claim will be provided in your welcome pack.
What if I want to cancel?
If you need to cancel your policy before it is due for renewal please call us on 0800 181 4904°, between 8am and 8pm Monday to Friday or 9am to 5pm on Saturdays and we can arrange this for you. If you have made a claim, and pay by instalments, the remaining premium will be due. If you have made a claim and paid for your premium in full, we cannot give you a refund.
°Calls are free from a BT Landline only. (Calls from other networks and from your mobile may incur a cost).
Can I change my cover?
Yes, you can change the cover you have when your policy is due for renewal. Please contact us at the time and we will make the necessary changes to your policy. Any existing conditions will become a pre-existing condition and may not be covered on any new policy.
Can I pay by Direct Debit?
Yes. It lets you break your premium down into more affordable monthly payments† and you can relax knowing that, when your renewal’s due, your cover will continue unless you tell us otherwise. We don’t charge any interest for paying your premiums monthly.
When does my vet fee cover start?
Your vet fee cover starts when treating an illness or injury that first shows clinical signs or happens 15 days after the start date of your pet’s insurance.
What is a pre-existing condition?
A pre-existing condition is any condition or medical symptom that has occurred or existed in any form prior to the start of your policy.
Is my pet covered for pre-existing conditions?
Pre-existing conditions are not covered. Like most policies from other providers, your Asda Pet Insurance policy will not cover any medical condition or symptoms that your pet had before the start date of your policy or any that occur during the first 14 days of your insurance cover.
Is my pet covered if we travel abroad?
Yes, provided you’re travelling to Eire or a member country of the PETS Travel Scheme and comply with the requirements of this scheme while you are abroad. You can find out further information about the PETS Travel Scheme by visiting the PETS Travel Scheme website run by DEFRA.
What’s the Asda Vet Helpline and how will it benefit me?
Buy your cover from Asda and you can call a freephone Asda Vet Helpline± as part of the service. With fully qualified staff who can advise on common illnesses such as vomiting and skin problems, as well as common pet owner queries such as preventing fleas, exercise and diet. It’s also good to know you can get out of hours support when your local vet isn’t open.
±Calls are free from a BT Landline only. (Calls from other networks and from your mobile may incur a cost).
Our Superior Cover has a top rated award from Defaqto. What does this mean for me?
An insurance product with a 5 Star rating from Defaqto means you can trust your policy to provide one of the largest range of features and benefits on the market. Defaqto is an independent research body specialising in rating and comparing financial products from the whole market.
Am I eligible for the 5% cashback offer?
From the 21st January 2014, Asda Money will be offering 5% cashback on pet insurance when you use your Asda Money Credit Card and pay annually in full (excludes monthly direct debit). Representative 18.9% APR Variable.
^^Upon purchasing or renewing your annual Asda Money insurance policy with your Asda Money Credit Card, 5% cashback will be applied automatically on to your next Asda Money Credit Card statement. Should you cancel your policy at any point, within the policy year, the 5% cashback will be deducted from the following Asda Money Credit Card statement. This offer does not affect your right to cancel the policy. The cashback is facilitated by your Asda Money Credit Card provider, and not supplied by your insurance provider. All Asda Money insurance policy payments must be paid in full and not by direct debit. Asda Money insurance policies included in the offer are as follows; Van and Car (excludes any other policies purchased through the Asda Comparison Service), Home, Pet, Annual Travel (not single trip), UK or European Breakdown Cover (Roadside Cover not included).
What is lifetime cover?
Lifetime cover is now available with our 5* Defaqto rated superior cover. It offers cover up to £7,500 and resets every year, offering superior cover for your pet. Get a quote today.
What is Accident Only pet insurance?
However much you love your pet, you may also have an eye on your budget too? That’s why, with Asda, you can choose an Accident Only policy, which can be a great alternative for younger, more energetic pets that are more likely to get into scrapes than become unwell. Get a quote online or ask us when you call.