12 Month Pet Insurance

A full 12 months of coverage for your feline friend or canine companion

Part of providing the proper care for your pet is making sure you can meet their needs if they happen to fall ill or get injured in an accident. Chances are, you’ll want your four-legged friend to be back on all-paws as soon as possible, and having the right insurance can help.

12 Month pet insurance policies can help cover your pet for a range of problems that might arise and support you in paying the related vet bills from the date they’re diagnosed for up to 12 months of treatment.

Why choose Asda Pet Insurance?

Underwritten by Fairmead Insurance Limited (renamed from Legal & General Insurance Limited)

  • Asda logo

    The Asda advantage

    Known for putting value for money at the centre of everything we do

  • Legal & General logo

    Partner expertise

    An experienced pet insurer who can offer you the choice of six levels of cover for you and your pet

  • Award-winning cover

    Awarded Best Online Pet Insurance Provider in the YourMoney.com Awards 2019

Top 12 Month Pet Insurance FAQs:

What does 12 Month insurance pet insurance cover?

One of the major benefits of 12 month pet insurance is that it can cover your pet for any new illnesses that they might suffer from or accidents they get into which result in longer term treatments over the course of a year, as long as the policy remains in force.

Each new condition that arises can be claimed for up to a pre-selected limit which can help if there are unforeseen complications, and the policy covers each individual condition for 12 months from diagnosis.

However, once the policy limit has been reached for a condition or 12 months of cover for that condition has been provided, it becomes a pre-existing condition and won’t be covered by a 12 month insurance policy going forward.

What levels of 12 Month Pet Insurance can I get?

There are 2 different levels of 12 month pet insurance you can choose from which will give your cat or dog a year of coverage per condition they develop. You can claim for the same types of things on each level of coverage, but the main thing that will differ is the amount you can claim for each thing and the total amount you can claim.

The main decision you’ll have to make is around what premium you can afford and how much treatments might be likely to cost, because once you’ve used up your annual limit for a particular condition you won't get any more support for bills related to that treatment.

The two levels of 12 Month Pet Insurance we offer cover vet's fees for up to £2,000 or £5,000 per condition for up to 12 months from when the condition began.

There's no limit to the number of separate conditions that you can claim for until either the 12 month time limit or each of the individual monetary limits has been reached.

As long as the insurance policy remains in force, your pet has 12 months cover from the onset of each new condition. After 12 months have passed, any ongoing treatment required as a result of this condition will be excluded from future claims and treated as a pre-existing condition.

Take a look at our pet insurance comparison table to help you decide which level of cover is best for you and your pet. 

Limitations and exclusions apply, for full details please refer to our policy documents.

What’s included in 12 Month Pet Insurance?

There’s a wide range of uses which 12 month pet insurance can have which takes some of the financial strain off of unexpected bills in relation to your pet:

  • Veterinary fees
  • Third party legal liability and accidental damage costs
  • Costs associated with death due to accident or illness
  • Loss by theft or straying
  • Reimbursement for covering advertising and reward for return of lost pet
  • Boarding fees
  • Emergency treatment overseas
  • Holiday cancellation as a result of your pet needing lifesaving treatment/surgery
  • Cost to replace a lost pet passport
  • Quarantine costs

Take a look at our pet insurance comparison table to help you decide which which benefits are best for you and your pet. 

Please note: a payment limit and an excess is applied to all levels of cover as shown above.

Are pre-existing conditions covered by 12 Month pet insurance?

While conditions which occur during the coverage of your 12 Month pet insurance policy are covered, any conditions which your pet already suffers from will not be eligible for coverage. Additionally, once a condition has been covered for 12 months, it will become a pre-existing condition and will no longer be covered by future 12 Month pet insurance policies.

This is where you’ll need to take your pet’s specific situation into account. While 12 Month Pet Insurance can be a cost-effective option compared to Lifetime Insurance and will protect your pet from accident or illness, it will only be on a time limited basis.

A quick ‘paws’ for thought…

With pet insurance, as part of the cost, your premium will increase each year at renewal as your pet gets older. We’ll limit the amount it goes up by, but your renewal price will also be impacted by:

  • Any claims you make – this could significantly increase your premium
  • Rising vet fees
  • Insurance Premium Tax increasing
  • Changes you make to your policy
  • Changes we make to our pricing

You can, of course, shop around at renewal. Just bear in mind that any existing conditions your pet’s developed, whether diagnosed or not, may not be covered elsewhere.

About our underwriter, Fairmead Insurance

We’ve carefully selected Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group as our pet insurance underwriter, given their experience with pet insurance.

Working together, we’ve been able to bring our customers great pet insurance products that aim to offer value for money and some fantastic features, such as the 24-hour vet helpline, and the option to pay monthly by direct debit with no interest charges.

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