Admiral Pet Insurance is a UK-based company that offers pet insurance policies for cats and dogs. The company provides two types of pet insurance cover: Lifetime and Time Limited. The Lifetime cover option provides coverage for accidents and illnesses up to the policy limit, while the Time Limited cover option covers for up to 12 months.
One of the benefits of Admiral Pet Insurance is the Multi-Pet Discount, which allows pet owners to get a 15% discount per pet if they have more than one cat or dog in their home. The company offers four levels of cover to choose from, with benefits such as PawSquad access, no extra fees, and Multi-Pet discount.
Pet insurance covers the costs of vet treatment if your pet becomes ill or suffers an injury. Admiral Pet Insurance provides comprehensive coverage for pet owners who want to ensure that their furry friends receive the best possible care in the event of an accident or illness.
Overview of Admiral Pet Insurance
Admiral Pet Insurance is a UK-based company that offers pet insurance policies for dogs and cats. They provide two levels of cover: Time Limited and Lifetime. The policies are underwritten by Great Lakes Insurance SE, a subsidiary of Munich Re.
The Time Limited policy covers accidents and illnesses up to the value of the vet fee cover or 12 months from the first treatment, whichever occurs first. The Lifetime policy covers accidents and illnesses up to the policy limit chosen each year, and the limit resets at renewal. The highest annual policy limit is £10,000, which allows the policyholder to claim up to £160,000 during the pet’s lifetime just by renewing the policy each year.
Admiral Pet Insurance offers a range of benefits, including:
- Multi-pet discount: Customers can save 15% on their policy when insuring multiple pets.
- Behavioural treatment: The policies cover the cost of behavioural treatment for pets with behavioural problems.
- Farewell cover: The policies provide up to £100 or £150 towards the cost of cremation or burial, depending on the policy chosen.
- Third-party liability: The Lifetime policy includes up to £2,000,000 in third-party liability cover.
It is important to note that pet insurance policies have exclusions and limitations, and Admiral Pet Insurance is no exception. Routine veterinary care such as vaccinations, flea and worming treatments, and dental treatment (unless accidental damage) are not covered by the policies. It is recommended to read the policy book carefully to understand what is covered and what is not.
Overall, Admiral Pet Insurance offers a range of pet insurance policies with various benefits and coverage options. The policies are underwritten by a reputable insurance company and offer multi-pet discounts. However, it is important to carefully read the policy book to understand the exclusions and limitations of the policies.
Types of Coverage
Admiral Pet Insurance offers three types of coverage: Accident Only, 12 Month Cover, and Lifetime Cover. Each policy provides varying levels of coverage for your furry friend.
Accident Only
Accident Only coverage is the most basic policy offered by Admiral Pet Insurance. This policy covers your pet in the event of an accident, such as a broken bone or injury resulting from a car accident. However, it does not cover illnesses or diseases.
12 Month Cover
12 Month Cover is a mid-level policy that provides coverage for both accidents and illnesses. This policy covers your pet for 12 months from the date the condition was first diagnosed. After 12 months, the condition will no longer be covered.
Lifetime Cover
Lifetime Cover is the most comprehensive policy offered by Admiral Pet Insurance. This policy covers your pet for both accidents and illnesses for the duration of their life, as long as you renew the policy each year. The policy limit you choose each year will be reset at renewal, allowing you to claim up to the policy limit each year.
Admiral Pet Insurance also offers additional coverage options, such as dental care, behavioral treatment, and farewell cover. These options can be added to your policy for an additional fee.
When choosing a policy, it is important to consider your pet’s age, breed, and health history. It is also important to consider your budget and the level of coverage you feel comfortable with. Admiral Pet Insurance provides a range of options to ensure you can find a policy that meets your needs.
Policy Benefits
Admiral Pet Insurance offers a range of policy benefits to ensure that pet owners can provide the best care for their furry friends. The policy benefits include Vet Fee Cover, Multi-Pet Discount, and Complementary Treatment.
Vet Fee Cover
Admiral Pet Insurance provides up to £10,000 of cover for vet fees for Lifetime Pet Insurance and up to £4,000 for Extra Time-Limited Pet Insurance. The policy covers diagnosis and resulting treatments, including consultations with a vet, examinations, X-rays, MRI, and CT scans. The policyholder can claim for each condition up to the financial limit per condition.
Multi-Pet Discount
Admiral Pet Insurance offers a multi-pet discount to policyholders who add more than one pet to their policy. There is no limit to the number of cats or dogs that can be added to the policy, and each additional pet will receive a discount. The policyholder can save up to 15% on their premium by adding more pets to their policy.
Complementary Treatment
Admiral Pet Insurance provides cover for complementary treatment, including acupuncture, homeopathy, and hydrotherapy, up to the financial limit per condition. The policyholder can claim for each condition up to the financial limit per condition.
In summary, Admiral Pet Insurance offers a comprehensive policy that covers vet fees, multi-pet discount, and complementary treatment. The policy benefits ensure that pet owners can provide the best care for their furry friends without worrying about the financial burden.
Claims Process
How to Make a Claim
Admiral Pet Insurance offers three ways to make a claim: online, by email, or by post. The online claims process is the quickest and easiest way to make a claim. Simply log in to your Admiral account, fill out the online form, and submit your claim. You can also email your claim to [email protected] or post it to Admiral Pet Insurance, 2nd Floor, 5000 Lakeside North Harbour, Western Road, Portsmouth, PO6 3EN.
When making a claim, you will need to provide some basic information, such as your policy number, the date of the incident, and a description of what happened. You will also need to provide any relevant documentation, such as vet bills or medical records.
Claim Settlement Times
Admiral Pet Insurance aims to settle all claims as quickly and efficiently as possible. The exact settlement time will depend on the complexity of the claim, but Admiral strives to settle most claims within 5-10 working days.
If Admiral requires further information or documentation to settle your claim, they will contact you directly. It is important to respond to any requests for information as quickly as possible, as this can help speed up the claims process.
Overall, Admiral Pet Insurance offers a straightforward and efficient claims process. By following the steps outlined above and providing all the necessary information and documentation, you can help ensure that your claim is settled as quickly and smoothly as possible.
Exclusions and Limitations
Admiral pet insurance policies come with some exclusions and limitations that pet owners should be aware of. These are common in most pet insurance policies and are designed to protect the insurer from fraudulent or excessive claims. Here are some of the exclusions and limitations that may apply to your Admiral pet insurance policy:
- Pre-existing conditions: Admiral pet insurance policies do not cover pre-existing conditions or any condition that your pet had before the start of the policy. This means that if your pet has a chronic condition, you will not be able to claim for it.
- Waiting period: Most pet insurance policies have a waiting period before coverage begins. Admiral’s waiting period is 14 days for illnesses and 48 hours for accidents. This means that if your pet gets sick or injured during the waiting period, you will not be able to claim for it.
- Behavioral problems: Admiral pet insurance policies do not cover behavioral problems such as aggression, anxiety, or compulsive behavior. However, they do cover behavioral treatment if it is recommended by a vet.
- Routine and preventative care: Admiral pet insurance policies do not cover routine or preventative care such as vaccinations, spaying or neutering, or flea and tick prevention. However, they do cover these treatments if they are needed as a result of an illness or injury.
- Age limits: Admiral pet insurance policies have age limits for enrollment. Dogs must be between 8 weeks and 8 years old, and cats must be between 8 weeks and 10 years old. Once enrolled, there is no age limit for coverage.
- Coverage limits: Admiral pet insurance policies have annual coverage limits that vary depending on the policy. The maximum coverage limit is £15,000 per year. This means that if your pet’s medical bills exceed this amount, you will be responsible for paying the difference.
It is important to read the policy documents carefully to understand the exclusions and limitations that apply to your Admiral pet insurance policy. If you have any questions or concerns, you can contact Admiral’s customer service team for assistance.
Customer Service and Support
Admiral Pet Insurance prides itself on providing excellent customer service and support to its policyholders. The company offers several channels for customers to get in touch, including phone, live chat, and email.
One of the unique features of Admiral Pet Insurance is its 24-hour vet support service. Policyholders can speak to a qualified vet at any time over live chat, video, or voice call. This service can be particularly helpful for pet owners who have concerns outside of regular business hours.
Customers can also contact Admiral Pet Insurance’s customer service team by phone at 0333 7777 361. The team is available Monday to Friday from 9 am to 6 pm. Policyholders can ask questions about their policy, make changes to their coverage, or file a claim.
Admiral Pet Insurance’s website also offers a comprehensive Help and Support section that includes frequently asked questions, policy documents, and information on how to make a claim. The website is easy to navigate, and policyholders can quickly find the information they need.
Overall, Admiral Pet Insurance’s customer service and support are top-notch. The company’s 24-hour vet support service and knowledgeable customer service team make it easy for pet owners to get the help they need when they need it.
Pricing and Payment Options
Admiral Pet Insurance offers competitive pricing and flexible payment options to accommodate different budgets and needs. The cost of the policy depends on various factors such as the type of coverage, the age and breed of the pet, and the location of the owner.
Admiral Pet Insurance provides two levels of coverage: Time Limited and Lifetime. The Time Limited policy covers accidents and illnesses for a specific period, typically 12 months, or until the policy limit is reached. The Lifetime policy, on the other hand, covers accidents and illnesses for the entire life of the pet, up to a certain limit per year.
To get a quote, pet owners can visit the Admiral Pet Insurance website and fill out a form with basic information about their pet. The website also offers a 15% discount for multi-pet policies, making it more affordable for owners with multiple pets.
Admiral Pet Insurance offers several payment options, including monthly, quarterly, and annual payments. Pet owners can choose the payment frequency that works best for their budget and schedule. Additionally, Admiral Pet Insurance accepts several payment methods, such as credit cards, debit cards, and direct debit.
Overall, Admiral Pet Insurance provides competitive pricing and flexible payment options to make pet insurance more accessible and affordable for pet owners.
Policy Renewal and Cancellation
Admiral Pet Insurance offers its customers a range of options when it comes to policy renewal and cancellation. Here are some key points to keep in mind:
- If you pay monthly by Direct Debit, your policy will automatically renew after 12 months. If you pay annually, you’ll be invited to renew by email or letter at the end of each term.
- If you’ve renewed your policy and you cancel, then you’ll just pay the Vehicle fee of £29.50.
- If you cancel in the first year, you’ll have to pay a cancellation fee of £129.50 per vehicle.
- If you have LittleBox Plug & Drive, you’ll have to pay £129.50 per vehicle.
- If you return the unit within 30 days of cancellation, you’ll receive a £50 refund.
- Admiral Pet Insurance also offers a Multi-Pet Discount of 15% on all policies.
It’s important to note that Admiral Pet Insurance offers Lifetime policies that cover your pet(s) for accident and illnesses up to the policy limit you’ve chosen each year. At renewal, the limit resets. This means that you can claim up to £160,000 during your pet’s lifetime just by renewing your policy each year.
Admiral Pet Insurance also offers Holiday Cancellation Cover of £1,000, which can give you peace of mind when you’re planning your next vacation.
In summary, Admiral Pet Insurance offers a range of options when it comes to policy renewal and cancellation. Whether you pay monthly or annually, you’ll be able to renew your policy easily. And with the Multi-Pet Discount and Lifetime policies, you can ensure that your furry friends are protected for years to come.
Customer Reviews and Ratings
Admiral Pet Insurance has received a high rating on several review websites, including a 5-star rating on Defaqto and 4.3 on Trustpilot. This indicates that the company is doing something right in terms of customer satisfaction.
On Trustpilot, Admiral Pet Insurance has over 38,000 reviews, with a majority of customers rating the company as “Excellent” or “Great.” The positive reviews praise the company’s customer service, ease of use, and comprehensive coverage options. Many customers also appreciate the competitive pricing offered by Admiral Pet Insurance.
However, some negative reviews do exist, with customers citing issues such as claims taking too long to process, unexpected exclusions, and difficulties canceling policies. It is important to note that these negative reviews represent a small percentage of overall reviews, and that no company can please every customer.
Overall, the customer reviews and ratings for Admiral Pet Insurance are generally positive, indicating that the company provides good value and quality service to its customers.
Comparisons with Other Insurers
Admiral Pet Insurance offers competitive rates when compared to other popular pet insurers in the UK. Based on the search results, here is a comparison of Admiral Pet Insurance rates with other insurers.
- Admiral Pet Insurance: £7.36 – £20 per month
- Petplan: £15.22 – £25 per month
- More Than Pet Insurance: £18.20 – £28 per month
- Bought By Many Pet Insurance: rates vary based on the level of cover chosen
It is important to note that the rates listed above are subject to change and may vary based on factors such as the age, breed, and health of the pet.
In addition to competitive rates, Admiral Pet Insurance offers comprehensive coverage that includes two levels of Time Limited cover policies that will cover pets’ accidents or illnesses up to the value of their vet fee cover or 12 months from the first treatment, whichever occurs first.
When compared to other insurers, Admiral Pet Insurance has received positive reviews from customers. According to the search results, 16 out of 21 insurers ranked Admiral Pet Insurance favorably. Many pet owners appreciate that Admiral Pet Insurance offers one of the highest vet fee limits available at £20,000 per year.
Overall, Admiral Pet Insurance offers competitive rates and comprehensive coverage, making it a great option for pet owners looking for reliable pet insurance.