Pets are such an important part of our lives, so it’s important to make sure they’re covered by the right pet insurance. Choose from our different types of cover, from Lifetime to Time Limited. You can choose a level of cover to suit you and your budget, and keep your furry friends happy.
Why choose Asda Pet Insurance?
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The Asda advantage
Known for putting value for money at the centre of everything we do
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You're in control
You can choose your policy cover as well as your excess terms, so you can get the cover your pet needs at a price that suits you
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Asda service, Asda value, expert providers
An insurance offer that suits you and your individual circumstances
Choose from two types of cover:
Lifetime - Cover up to £10,000
Match their love of life with Lifetime insurance. With ongoing conditions insured for life, it's the most comprehensive policy you can get for your pet with Asda.
The three levels of Lifetime pet insurance available are:
- Lifetime £2,000 and Lifetime £4,000 – these are renewing benefit policies and the total amount you can claim for each new condition your pet may suffer is up to £2,000 or £4,000 in vet’s fees annually. If you choose either of these polices, there is no limit to the number of separate conditions that you can claim for.
- Lifetime £10,000 – this is also a renewing benefit policy and the total amount you can claim for all new conditions your pet may suffer is up to £10,000 in vet’s fees annually. There is no limit to the number of separate conditions that you can claim for until the total financial limit has been reached.
For all of our Lifetime policies, your pet will be covered for on-going or future conditions as long as you keep your insurance policy with us.
Limitations and exclusions apply, for full details please refer to our policy documents.
Time Limited
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.
Time Limited 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 of their first treatment, for up to 12 months.
There are 2 different levels of Time Limited pet insurance you can choose from which will give your cat or dog a year of coverage per condition, from the date of first treatment. 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 Time Limited Pet Insurance we offer cover vet's fees for up to £2,000 or £5,000 per condition for up to 12 months from the date of their first treatment.
There's no limit to the number of separate conditions that you can claim for until either the time limit or each of the individual monetary limits has been reached.
As long as the insurance policy remains in force, your pet has your chosen time limit of cover from the date of their first treatment. After the limit has 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.
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?
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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?
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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?
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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?
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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?
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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?
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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?
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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?
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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?
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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?
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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