Frequently Asked Questions

Asda Pet Cover is only for cats and dogs and offers three types of insurance – Maximum Benefit cover, 12 month cover and Lifetime cover.

Maximum Benefit

The cost of treatment for each qualifying illness, injury or behavioural disorder up to the limit shown on your schedule, including the statement of insurance. Cover is continuous for each separate illness, injury or behavioural disorder up to the limit shown on your Schedule, including the Statement of Insurance. Continuous treatment is subject to the policy remaining in force, being continuously renewed at each anniversary and premiums received on the due date. Treatment in respect of any condition can continue until the original fees limit has been reached without time limit. 

12 month cover

Value and Standard policies offer 12 month cover. So if your pet becomes ill, they’ll be covered to the vet's fee limit for up to 12 months - as long as you keep your policy renewed, your premiums up to date and the insurer invites renewal. If your pet still needs treatment after the 12 months have passed, they will not be covered. Cover begins from the first clinical signs of illness. Asda Pet Insurance also offer Accident Only cover which can be a great alternative for younger, more energetic pets that are more likely to get into scrapes than become unwell.

Lifetime* cover

Superior policy covers up to £7,500 of vets fees. So if your pet becomes ill they will be covered up to the policy limit for each year they need treatment, as long as you keep your policy renewed, premiums paid up to date and the insurer invites renewal, there is no limit on how long you can claim for each illness or injury.

Asda Pet Insurance try their best to cover as many conditions for cats and dogs as possible. 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 or injury that first shows clinical signs or happens in the first 14 days of cover
• 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

Asda Pet 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 cover.

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

You can purchase Asda Pet Insurance for your dog or cat as soon as they are over 8 weeks old. Once your pet's policy has been issued, they can be covered up to any age, as long as the policy is renewed and payments are up-to-date. The only benefit that stops is death from illness cover. When your dog is over 9 years old or your cat over 11 years old, Asda Pet Insurance won't give you back the purchase price if they die or have to be put to sleep through illness or natural causes. All other benefits continue.

The amount you’ve agreed within your individual policy will be paid towards each new illness or injury. If you have a dog, you’ll also need to pay a £100 excess towards any claim for third party liability occurring in the UK or £250 if the incident is outside the UK but within the EU. 

Veterinary claims will be subject to an additional 10% excess deduction after the deduction of the compulsory excess if your dog is aged 5 years + or if you cat is aged 7 years +. If your pet is of these ages, this additional excess is applicable per claim, per condition. 

If you pet's treatment runs into 2 or more periods of insurance, you must pay any applicable excess(es) for each policy year and is applicable for each separate illness or injury.

Call Asda Pet Insurance on 0333 999 0933 (Lines open Monday to Friday 8am to 6pm, Saturday 9am to 2pm.)

They will send you a personalised claim form with your details already filled in. To make it easier for you Asda Pet Insurance usually pay the vet directly if they are set up for this. If the vet is unable to offer this facility or you’ve already paid the vet, they will either pay you via BACS into your bank account or send you a cheque. Full instructions about how to claim will be provided in your welcome pack.

If you need to cancel your policy before it is due for renewal please call us on 0800 181 4904, between 8am and 8pm Monday to Friday or 9am to 5pm on Saturdays and we can arrange this for 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, we cannot give you a refund.

Yes, you can change the cover you have when your policy is due for renewal. Please contact Asda Pet Insurance at the time and they will make the necessary changes to your policy. Any existing conditions will become a pre-existing condition and may not be covered on any new policy.

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 them otherwise. Asda Pet Insurance don’t charge any interest for paying your premiums monthly.

Your vet fee cover starts when treating an illness or injury that first shows clinical signs or happens 15 days after the start date of your pet’s insurance.

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.

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.

Yes, provided you’re travelling to Eire or a member country of the PETS Travel Scheme and comply with the requirements of this scheme while you are abroad. You can find out further information about the PETS Travel Scheme by visiting the PETS Travel Scheme website run by DEFRA.

Buy your cover from Asda and you can call a freephone Asda Vet Helpline as part of the service. With fully qualified staff who 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.

Lifetime* cover is now available with superior cover. It offers cover up to £7,500 and resets every year, offering superior cover for your pet. Find out more.

However much you love your pet, you may also have an eye on your budget too? That’s why, with Asda, you can choose an Accident Only policy, which can be a great alternative for younger, more energetic pets that are more likely to get into scrapes than become unwell. Get a quote online or ask Asda Pet Insurance when you call.