Compare Cover Types
Pick the perfect cover for your pet without being baffled by pet insurance jargon!
We've created a comparison table to help you pick the perfect cover for your pet.
This summary is only a brief guide to the cover and exclusions from Asda Pet Insurance, underwritten by Fairmead Insurance. For full details of what is and what isn’t covered, please refer to the information in our policy documents.
We’ve provided a summary of our Lifetime cover below, use the dropdown to see our other products and what they cover.
| Lifetime £2,000 | Lifetime £4,000 | Lifetime £10,000 |
|---|---|---|
| Vet's fees | ||
| £2,000 per condition per year | £4,000 per condition per year | £10,000 total for all new conditions |
| Cover for ongoing conditions | ||
| Included | Included | Included |
| Complementary medicine | ||
| £1,000 | £1,500 | £1,500 |
| CT/MRI scans and associated costs | ||
| £1,250 | £1,500 | £1,500 |
| Cruciate ligament | ||
| £1,250 | £1,500 | £1,500 |
| Death of pet from accident or illness | ||
| £1,500 | £2,000 | £2,000 |
| (There is no benefit payable on the death of your pet when aged 8 or over) | ||
| Advertising and reward | ||
| £750 | £1,000 | £1,000 |
| Loss by theft or straying | ||
| £1,500 | £2,000 | £2,000 |
| Holiday cancellation | ||
| £1,500 | £2,000 | £2,000 |
| Fixed excess (payable by you) | ||
| £99 | £75 | £75 |
| per condition per policy year | ||
| Additional 10% co-payment for pets aged 5 and over (the amount you pay towards the vet fee claim for each condition) | ||
| Yes | Yes | Yes |
| Third party legal liability excess (dogs only) £1m per claim | ||
| £250 | £250 | £250 |
| 12 Month £2,000 | 12 Month £5,000 |
|---|---|
| Vet's fees | |
| £2,000 | £5,000 |
| per condition for 12 months only | |
| Cover for ongoing conditions | |
| No | No |
| Complimentary medicine | |
| £500 | £750 |
| CT/MRI scans and associated costs | |
| £1,250 | £1,500 |
| Cruciate ligament | |
| £1,250 | £1,500 |
| Death of pet from accident or illness | |
| £750 | £1,000 |
| (There is no benefit payable on the death of your pet when aged 8 or over) | |
| Advertising and reward | |
| £250 | £500 |
| Loss by theft or straying | |
| £750 | £1,000 |
| Holiday cancellation | |
| £750 | £1,000 |
| Fixed excess (payable by you) | |
| £99 | £75 |
| per condition | |
| Additional 10% co-payment for pets aged 5 and over (the amount you pay towards the vet fee claim for each condition) | |
| No | No |
| Third party legal liability excess (dogs only) £1m per claim | |
| £250 | £250 |
| Accident only |
|---|
| Vet's fees |
| £2,500 |
| per condition |
| Cover for ongoing conditions |
| No |
| Complimentary medicine |
| £500 |
| CT/MRI scans and associated costs |
| £1000 |
| Cruciate ligament |
| £1,250 |
| Death of pet from accident |
| £300 |
| Death benefit only available if death is as a result of an accident |
| Advertising and reward |
| No |
| Loss by theft or straying |
| No |
| Holiday cancellation |
| No |
| Fixed excess (payable by you) |
| £75 |
| per condition |
| Additional 10% co-payment for pets aged 5 and over (the amount you pay towards the vet fee claim for each condition) |
| No |
| Third party legal liability excess (dogs only) £1m per claim |
| £250 |
An excess is applied to all levels of cover as shown above, excluding pet funeral cremation costs.
Pre-existing medical conditions are not covered.
When making a claim you'll be covered up to the limits shown above.
For Lifetime cover only for pets aged of 5 years and over, there's an additional 10% co-payment payable for each claim amount. Please read our policy wording for full details.
For more detail on any of our pet insurance policies, take a look at our policy documents.
A quick ‘paws’ for thought…
With pet insurance, 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.
Top Pet Insurance FAQs:
- What’s the 24 hour Vet Advice Line and how will it benefit me?
-
Included in any of our pet insurance policies, is unlimited access to a 24 hour freephone veterinary support and advice service. Fully qualified staff on the other end 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.
- 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.
- How do I claim?
-
If you need to get in touch with us to make a claim on your pet insurance policy, please find the details on how to do so on our contact us page.
Legal & General, L&G, L&G – EVERY DAY MATTERS and the Legal & General Logo are registered trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence. Legal & General Group PLC has no responsibility for the products of Fairmead Insurance Ltd or the servicing of those products. This policy is underwritten by Fairmead Insurance Limited which is a member of the Liverpool Victoria General Insurance Group. Fairmead Insurance Limited is not a member of the Legal & General group of companies.
ASDA Money is a trading name of Asda Stores Limited and Asda Financial Services Limited which are for general insurance Introducer Appointed Representatives of Fairmead Insurance Limited for Pet Insurance. Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 202050. Registered in England and Wales Number 00423930. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB.