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. 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.
If your pet is aged 5 years or older, an additional 10% co-insurance excess will apply every claim you make under the veterinary fee section of your policy. If your pet is under the age of 5 years when your policy starts, the additional 10% will apply to any treatment provided as soon as your pet turns 5 years of age- even if this is midway through policy. This additional 10% excess is in addition to the fixed excess.
| Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 |
|---|---|---|
| Veterinary Fee Cover | ||
| £2,000 per year | £4,000 per year | £6,000 per year |
| Dental treatment | ||
| Illness - No. Accident - Yes | Illness - No. Accident - Yes | Illness - Yes. Accident - Yes |
| (as part of Veterinary Fee Cover) | ||
| Complementary Treatment | ||
| £1,000 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Cruciate ligament treatment | ||
| £1,250 per year | £1,250 per year | £1,500 per year |
| (as part of Veterinary Fee Cover) | ||
| CT/MRI scans | ||
| £1,250 | £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | ||
| Specialist Diet | ||
| £200 | £250 | £250 |
| (as part of Veterinary Fee Cover) | ||
| Behaviour Treatment | ||
| £1,000 | £1,000 | £1,000 |
| (Covered as a result of an accident only and as part of a Veterinary Fee Cover) | ||
| Fixed Excess | ||
| £100 - £250 as chosen by you | £100 - £250 as chosen by you | £100 - £250 as chosen by you |
| (Certain breeds have a specified minimum excess of £200) | ||
| Co-Insurance Excess | ||
| 10% for pets aged 5 years and over | 10% for pets aged 5 years and over | 10% for pets aged 5 years and over |
| (Payable in addition to the Fixed Excess) | ||
| Death from illness | ||
| £1,500 | £2,000 | £2,000 |
| (Only available for pets less than 7 years of age) | ||
| Death From Accident | ||
| £1,500 | £2,000 | £2,000 |
| (No age limit) | ||
| Cremation/Burial | ||
| £100 | £100 | £100 |
| (only available for pets less than 7 years of age) | ||
| Third Party Liability | ||
| £1,000,000 | £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | ||
| Advertising and Reward | ||
| £750 | £1,000 | £1,000 |
| Loss of Pet - Theft or Straying | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Boarding Kennel/Cattery Fees | ||
| £1,500 | £2,000 | £2,000 |
| Emergency Holiday Cancellation | ||
| £1,500 | £2,000 | £2,000 |
| Overseas Travel Cover | ||
| 364 days | 364 days | 364 days |
| Unexpected Quarantine Expenses | ||
| £1,000 | £1,500 | £1,500 |
| Lifetime £8,000 | Lifetime £10,000 |
|---|---|
| Veterinary Fee Cover | |
| £8,000 per year | £10,000 per year |
| Dental treatment | |
| Illness - Yes. Accident - Yes | Illness - Yes. Accident - Yes |
| (as part of Veterinary Fee Cover) | |
| Complementary Treatment | |
| £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Cruciate ligament treatment | |
| £1,500 per year | £1,500 per year |
| (as part of Veterinary Fee Cover) | |
| CT/MRI scans | |
| £1,500 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Specialist Diet | |
| £250 | £250 |
| (as part of Veterinary Fee Cover) | |
| Behaviour Treatment | |
| £1,500 | £1,500 |
| (Covered as a result of an accident only and as part of a Veterinary Fee Cover) | |
| Fixed Excess | |
| £100 - £250 as chosen by you, or advised | £100 - £250 as chosen by you, or advised |
| (Certain breeds have a specified minimum excess of £200) | |
| Co-Insurance Excess | |
| 10% for pets aged 5 years and over | 10% for pets aged 5 years and over |
| (Payable in addition to the Fixed Excess) | |
| Death from illness | |
| £2,000 | £2,000 |
| (Only available for pets less than 7 years of age) | |
| Death From Accident | |
| £2,000 | £2,000 |
| (No age limit) | |
| Cremation/Burial | |
| £100 | £100 |
| (only available for pets less than 7 years of age) | |
| Third Party Liability | |
| £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | |
| Advertising and Reward | |
| £1,000 | £1,000 |
| Loss of Pet - Theft or Straying | |
| £2,000 | £2,000 |
| Emergency Boarding Kennel/Cattery Fees | |
| £2,000 | £2,000 |
| Emergency Holiday Cancellation | |
| £2,000 | £2,000 |
| Overseas Travel Cover | |
| 364 days | 364 days |
| Unexpected Quarantine Expenses | |
| £1,500 | £1,500 |
| Time Limited £2,000 | Time Limted £5,000 |
|---|---|
| Veterinary Fee Cover | |
| £2,000 per condition | £5,000 per condition |
| Dental Treatment | |
| Illness - No. Accident - Yes | Illness - No. Accident - Yes |
| (as part of Veterinary Fee Cover) | |
| Complementary Treatment | |
| £500 per condition | £750 per condition |
| (as part of Veterinary Fee Cover) | |
| Cruciate Ligament Treatment | |
| £1,250 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| CT/MRI Scans | |
| £1,250 | £1,500 |
| (as part of Veterinary Fee Cover) | |
| Specialist Diet | |
| £100 | £150 |
| (as part of Veterinary Fee Cover) | |
| Behaviour Treatment | |
| £500 | £750 |
| (Covered as a result of an accident only and as part of Veterinary Fee Cover) | |
| Fixed Excess | |
| £100 - £250 As chosen by you, or advised | £100 - £250 As chosen by you, or advised |
| (Certain breeds have a specified minimum excess of £200) | |
| Co-Insurance Excess | |
| 10% for pets ages 5 years and over | 10% for pets ages 5 years and over |
| (Payable in addition to the Fixed Excess) | |
| Death From Illness | |
| £750 | £1,000 |
| (Only available for pets less than 7 years of age) | |
| Death From Accident | |
| £750 | £1,000 |
| (No age limit) | |
| Cremation/Burial | |
| £100 | £100 |
| (only available for pets less than 7 years of age) | |
| Third Party Liability | |
| £1,000,000 | £1,000,000 |
| (for dogs only - £250 excess per claim) | |
| Advertising and Reward | |
| £250 | £500 |
| Loss Of Pet - Theft or Straying | |
| £750 | £1,000 |
| Emergency Boarding Kennel/Cattery Fees | |
| £750 | £1,000 |
| Emergency Holiday Cancellation | |
| £750 | £1,000 |
| Overseas Travel Cover | |
| 364 days | 364 days |
| Unexpected Quarantine Expenses | |
| N/A | N/A |
An excess is applied to all levels of cover for veterinary fees and Third Party Liability.
Pre-existing medical conditions are not covered.
When making a claim you'll be covered up to the limits shown above.
As soon as a pet becomes 5 years of age, there's an additional compulsory 10% co-insurance excess payable for each veterinary fee claim made. 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, 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.
Top Pet Insurance FAQs:
- What is pet insurance?
-
Pet insurance helps cover unexpected vet bills, giving you financial peace of mind if your pet falls ill or gets injured. It covers costs up to the limit of your chosen policy, so you’re not left footing the full bill if something goes wrong.
- What are the four types of pet insurance?
-
The four main types of pet insurance are:
- Lifetime (provided through Asda Money)
- Time-limited (provided through Asda Money)
- Maximum benefit (not provided through Asda Money)
- Accident only (not provided through Asda Money)
- What is the most common type of pet insurance?
-
In the UK, there are several types of pet insurance policies available, with some of the most common being time limited, lifetime cover, maximum benefit, and accident only.
- What is a good annual limit for pet insurance in the UK?
-
It depends on you and your pet, and the insurance you choose. For example, our lifetime policies at Asda Money have annual limits ranging from £2,000 to £10,000.
- What age is best to get pet insurance?
-
Pet insurance is available for cats and dogs at a range of ages, from just a few months old into their senior years. Some insurers have minimum age limits – often around four months – while others may have restrictions or higher premiums for older pets. The availability, cost, and cover level can vary depending on your pet’s age at the time you take out the policy.
- What is the most expensive breed of dog to insure?
-
According to Which?, the most expensive breed of dog to insure in the UK during 2024 was the Dogue de Bordeaux1.
- 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.
- What is the most common pet insurance claim in the UK?
-
According to the Association of British Insurers (ABI), the most common high value claim in the UK is for spinal surgery (often costing between £8,000 and £10,000). The most common ongoing claims are to treat diabetes and skin conditions[1].
1https://www.which.co.uk/news/article/10-most-expensive-dog-breeds-for-pet-insurance-in-2024-ao8vV3H0H4ii
- Does pet insurance go down every year?
-
The cost of pet insurance is unique to your pet and accounts for various factors like their breed, health and any conditions they may have. Generally speaking, pet insurance premiums often increase each year, especially as your pet gets older.
- How do I claim?
-
Making a claim on your pet insurance through Asda Money is easy. Simply start your online claims journey below and follow the onscreen instructions. Please have your policy number and claims information to hand as we may ask a number of different questions about what has happened.
Our online claims journey is designed to be quick and easy, but if you have any questions, or require additional support, please call us on 0333 999 0933 as we’d be happy to help.
Lines are open:
Monday to Friday - 9am to 6pm
Saturday - 9am to 2pm
Sunday - closedPlease note: Call charges to 03 numbers will vary.
Asda Pet Insurance is arranged and administered by Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority. (No. 306164). Registered in England and Wales Number 02982445. Registered Office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at https://www.fca.org.uk/register