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What type of cover does ASDA Pet Insurance provide?

Our pet insurance policies fall into two categories – 12 month cover and cover per condition.

12 month cover

Our 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 renew your policy at the end date and keep your payments up to date. If your pet still needs treatment after the 12 months have passed, they will not be covered.

Cover per condition

Our Superior policies cover up to £6,000 of vet's fees, so if your pet becomes ill they’ll be covered up to that limit for as long as they need the treatment – again subject to renewing your policy when it is due. Premiums must have been paid and up to date.

Is there anything you do not cover?

We’ve tried to cover many events. The list below details some of the events that are not included. Please see our 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 10 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

How do you calculate my quote?

Every quote is calculated individually, so you can be sure you’ll get a competitive quote. We look at the breed of your pet, its age, sex and where you live when calculating the cost of the cover.

Will the cost of my insurance change each year?

At renewal time we will recalculate the cost of your insurance. As your pet gets older it costs more to insure so you will see a rise in your insurance each year.

Are there any age limits?

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, we 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.

What are the excesses I will have to pay, should I make a claim?

You’ll pay the amount shown on your schedule towards the veterinary treatment for each new illness or injury. If you have a dog, you'll also pay a £100 excess towards any claim for third party liability.

How do I claim?

Call us on 0844 561 1467 (Lines are open 24 hours a day, 7 Days a week. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.) and we’ll send you a personalised claim form with your details already filled in. To make it easier for you we 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, we’ll send you a cheque. Full instructions about how to claim will be provided in your welcome pack.

What if I want to cancel?

If you need to cancel your policy before it is due for renewal please call us on 0800 181 4904^ and we can arrange this for you. If you have made a claim, and pay by installments, the remaining premium will be due. If you have made a claim and paid for your premium in full, no refund will be permitted.

Can I change my cover?

Yes you can change the cover you have when your policy is due for renewal. Please contact us at the time and we 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.

Can I pay by Direct Debit?

Yes. It breaks your premium down into very affordable monthly payments and you can relax in the knowledge that at renewal your cover will continue unless you tell us otherwise. We don’t charge any interest for paying your premiums monthly.

When does my vet fee cover start?

You are covered for the cost of treating an illness or injury that first shows clinical signs or happens 11 days after the start date of your pet’s insurance.

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 the policy.

Is my pet covered for pre-existing conditions?

Pre-existing conditions are not covered. Your Asda Pet Insurance policy will not cover any medical condition or symptoms that your pet had before the inception date of your policy or any that occur during the first 10 days of your insurance cover.

Is my pet covered if we travel abroad?

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

What is the cover for £3.71 a month based on, and how many people qualify for cover at this price?

The price is based on Value pet insurance cover for a cat between 1st January and 31st March 2010, 10% of Asda customers qualified for this price. Cover for a dog starts from £8.42 a month.

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