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Pet Insurance FAQs

About Asda Pet Insurance

What type of cover does Asda Pet Insurance provide?

Asda Pet Cover is only for cats and dogs and offers three types of insurance – Lifetime, 12 Months and Accident Only.

Lifetime

There are three levels of Lifetime Insurance available, covering vet's fees up to £2,000, £4,000 and £10,000, reinstated annually. With new ongoing conditions insured for life, as long as the policy remains in force, it's the most comprehensive policy you can get for your pet with Asda.

With our Lifetime £2,000 and Lifetime £4,000 policies, 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.

With our Lifetime £10,000 policy, 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.

12 Month

12 month policy provides cover for the twelve months after a condition occurs as long as the policy remains in force. Your pet has 12 months cover from the onset of each new condition and once the financial limit has been reached or 12 months has passed, whichever is sooner. Any ongoing treatment required as a result of this condition will be excluded from future claims and treated as a pre-existing condition. We cover vet's fees for up to £2,000 or £5,000 per condition for up to 12 months from when the condition began.

Accident Only

Accident only policy covers your pet’s treatment in case of an accident up to the cover limit.

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 of the phone 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 there anything Asda Pet Insurance, underwritten by Fairmead Insurance, does not cover?

The list below shows some of the events that are not included. You can look at the policy wording for full details and for other exclusions.

  • The cost of treating an illness that first shows clinical signs in the first 14 days of cover
  • Any pre-existing medical conditions
  • 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 - there is no cover for dental disease
  • The cost of the policy excess, should you make a claim
  • For Lifetime policies, claims for pets aged 5 years and above are subject to an additional 10% co-payment 
How is my Pet Insurance quote calculated?

Fairmead Insurance look at the breed of your pet, its age, sex, original purchase price and where you live when working out the cost of your new cover.

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.

Will the cost of my insurance change each year?

When your policy is due for renewal, the cost of your Asda Pet Insurance will be recalculated. As your pet gets older it costs more to insure so you may see a rise in your insurance each year.

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.

Are there any age limits for a new policy?

If you have an older pet there are some age limits on certain benefits such as the Death and Cremation benefits which stop at age 8 – see policy wording for details.

Making a claim

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. The excess can range from £75 to £99 depending on which product and cover level you choose - this is paid by you.

For our Accident Only policy this is paid per accident.

For 12 Month policies, this is paid per condition with no further excess even if the 12 months goes into a second policy year.

For Lifetime policies, this is paid per condition, per year. 

For pets aged 5 and over, for Lifetime £2,000, £4,000 and £10,000 cover a 10% co-payment will apply to the remaining claim for veterinary fees, special diet, complementary medicine and dentistry after the excess has been deducted, and for any claims for that condition thereafter.

If you need to make a claim under the Third Party Liability section of the policy the excess is £250 and is paid once per claim.

How do I claim?

If you need to get in touch with us and your original policy number begins with 'PA', please call our claims line on 0370 405 0007.

Lines are open:
Monday - 9am to 5pm
Tuesday - 9am to 5pm
Wednesday - 9am to 5pm
Thursday - 9am to 5pm
Friday - 9am to 5pm
Saturday - closed
Sunday - closed

Call charges to 03 numbers will vary.
Calls may be monitored and recorded.

If you need to get in touch with us and your original policy number begins with 'ASD', please call our claims line on 0333 999 0933:

Lines are open:
Monday to Friday - 9am to 6pm 
Saturday - 9am to 1pm 
Sunday - closed

Please note: Call charges to 03 numbers will vary. 

Remember to have your details and your client reference number ready before you call (you'll find this at the top of all our letters to you).

Cancelling your policy

What if I want to cancel?

If you need to get in touch with us and your original policy number begins with 'PA', please call our customer service line on 0370 405 0006.

Lines are open:
Monday - 9am to 5pm
Tuesday - 9am to 5pm
Wednesday - 9am to 5pm
Thursday - 9am to 5pm
Friday - 9am to 5pm
Saturday - 10am to 5pm
Sunday - closed 

Call charges to 03 numbers will vary.
Calls may be monitored and recorded.

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, you will not get a refund.

If the cancellation is due to the death of the pet any remaining premium will not have to be paid and a refund paid where applicable.

If you need to get in touch with us and your original policy number begins with 'ASD', please call our customer service line on 0333 234 0623:

Lines are open:
Monday to Friday - 8am to 8pm 
Saturday - 9am to 2pm 
Sunday - closed 

Please note: Call charges to 03 numbers will vary. 

Remember to have your details and your client reference number ready before you call (you'll find this at the top of all our letters to 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, you will not get a refund.

Pre-existing conditions

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.

General cover questions

Can I change my cover?

Please contact us to make the necessary changes to your policy. If you change within the policy year, any existing conditions will become a pre-existing condition and may not be covered on any new policy.

However, at renewal if you increase your cover any existing conditions will be restricted to the previous level of cover that applied and only new conditions would qualify for the higher benefit, where you chose to reduce cover then all conditions going forward would have the lower benefit rules applied.

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.  There is no interest charge for paying your premiums by monthly direct debit.

When does my vet fee cover start?

Your vet fee cover starts when treating an illness after 14 days from when the policy starts. Cover for injury is effective immediately.

About our underwriter, Fairmead Insurance

Legal & General logo

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.