Is Admiral Pet Insurance Worth It? Full Review 2025
Our Expert's Review of Admiral
Admiral stands as one of the UK’s major insurance providers, offering a robust and modular pet insurance range tailored for both cats and dogs. Its line-up features two core options: affordable Time Limited policies (12 months per condition, up to £4,000) for short-term needs or smaller budgets, and comprehensive Lifetime cover with five levels, providing annual vet fees up to £10,000 and strong civil liability for dogs (up to £2 million on top tiers). A single, per-illness excess (£99–£199) applies, with increased excess from the pet’s 6th birthday, yet no upper age limit for enrolment—a key differentiator versus most competitors who typically refuse older pets. Admiral suits pet owners seeking flexible cover for multi-pet households (up to 10 animals per policy with 15% discount), those after long-term protection for chronic or breed-specific risks, or value-driven customers leveraging bundled Admiral policy discounts. The insurer, under Admiral Insurance (Gibraltar) Limited, is financially stable and FCA-regulated, and overall claims and customer management is efficient, reflected by rapid response and a 99% reply rate to Trustpilot reviews. While a precise Trustpilot score isn’t public, user volumes are among the market’s highest, and reimbursements are generally processed quickly, often within industry benchmarks.
- Wide range of Lifetime and Time Limited cover options
- Annual vet fee limits up to £10,000 on Lifetime policies
- No upper enrolment age limit for pets
- Per-illness annual excess, not per claim, for easier budgeting
- Multi-pet discount (15%) and existing Admiral customer discount (10%)
- 24/7 video vet teleconsultation (PawSquad) included
- Comprehensive accidental dental and liability cover for dogs
- Time Limited cover restricts duration and payout per condition
- Full dental illness cover only on highest Lifetime tier
- No routine or preventive treatments (e.g. vaccinations) covered
- Rising premiums with age or claims, especially for some breeds
- Exclusions for pre-existing conditions and select procedures
- Admiral Guarantees
- Exclusions of Admiral
- Admiral rates
- Admiral pet insurance sample monthly premiums
- Admiral Assistance
- Customer feedback on Admiral
- How can I contact Admiral?
- FAQ
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Admiral Guarantees
Admiral offers a highly modular pet insurance range with two main categories: Lifetime (Blue, Bronze, Silver, Gold, Platinum) and Time Limited (Essential, Extra), all available for both dogs and cats without maximum enrolment age and one year minimum age (8 weeks). Lifetime stands out by providing annual reinstatement of veterinary limits—up to £10,000—and includes chronic condition cover as long as policies are renewed, with Platinum offering rare inclusions such as dental illness (£2,000), behaviour (£2,000), and accidental property damage (£1,000). The reimbursement is per vet bill up to policy limits, with a per-condition annual excess (£99-£199 depending on age), plus specific excesses for third-party liability on dogs and strict disease/accident waiting periods (14 days/24 hours). All levels include 24/7 virtual vet consultations (PawSquad), complementary medicine (£500/year), food on prescription (£100-£200), but there is no cover for preventive care (vaccinations, neutering, parasite control), and dental illness or behaviour is excluded below Platinum. Key exclusions also cover pre-existing conditions, routine care, working dogs, and most elective/non-prescribed treatments.
| Guarantee Name | Lifetime Blue | Lifetime Bronze | Lifetime Silver | Lifetime Gold | Lifetime Platinum | Essential (Time Limited) | Extra (Time Limited) |
|---|---|---|---|---|---|---|---|
| Formula Positioning | Entry-level lifetime | Value lifetime | Mid-level lifetime | Top-level lifetime | Premium lifetime | Entry-level time-limited | Enhanced time-limited |
| Coverage Type | Lifetime accident & illness | Lifetime accident & illness | Lifetime accident & illness | Lifetime accident & illness | Lifetime accident & illness | 12 months per condition, accident & illness | 12 months per condition, accident & illness |
| Animals Covered | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement Rate (%) | Up to 100% within limit | Up to 100% within limit | Up to 100% within limit | Up to 100% within limit | Up to 100% within limit | Up to 100% within limit | Up to 100% within limit |
| Annual Vet Fees Limit | £2,000 | £3,000 | £4,000 | £5,000 | £10,000 | £2,000 per condition | £4,000 per condition |
| Annual/Per-Claim Excess (under 6y/6y+) | £99/£199 per cond./yr | £99/£199 per cond./yr | £99/£199 per cond./yr | £99/£199 per cond./yr | £99/£199 per cond./yr | £99/£199 per cond./yr | £99/£199 per cond./yr |
| Age Min/Max Cats | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max |
| Age Min/Max Dogs | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max | Min 8 weeks, no max |
| Health Questionnaire Needed? | No formal questionnaire | No formal questionnaire | No formal questionnaire | No formal questionnaire | No formal questionnaire | No formal questionnaire | No formal questionnaire |
| Waiting Period (Illness) | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days |
| Waiting Period (Accident) | 24 hours | 24 hours | 24 hours | 24 hours | 24 hours | 24 hours | 24 hours |
| Lifetime Guarantee After Enrolment | Yes | Yes | Yes | Yes | Yes | No* | No* |
| Vet Consultations | All types, up to limit | All types, up to limit | All types, up to limit | All types, up to limit | All types, up to limit | All types, up to limit | All types, up to limit |
| Medication | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Hospitalisation | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Ambulance Costs | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Surgery & Anaesthesia | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Scans/Imaging (CT, MRI, ultrasound) | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Laboratory Tests | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Radiotherapy | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit | Covered within limit |
| Dental (Accident) | Included | Included | Included | Included | Included | Included | Included |
| Dental (Illness) | Not covered | Not covered | Not covered | Not covered | Covered up to £2,000 | Not covered | Not covered |
| Scale & Polish (Detartrage) | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Preventive Care Budget (vaccinations, parasite...) | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Alternative Therapy (acupuncture etc.) | £500 p.a. max | £500 p.a. max | £500 p.a. max | £500 p.a. max | £500 p.a. max | £500 per condition | £500 per condition |
| Prescription Diet | £100 p.a. max | £100 p.a. max | £150 p.a. max | £150 p.a. max | £200 p.a. max | £100 per condition | £100 per condition |
| Covered Abroad/Voyage | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL | 30 days Europe/EEE/IRL |
| Death/ Cremation (Illness | £1,500/£100 | £1,500/£100 | £2,000/£150 | £2,000/£150 | £3,000/£200 | £1,000/£100 | £1,500/£150 |
| Euthanasia | Included in farewell | Included in farewell | Included in farewell | Included in farewell | Included in farewell | Included in farewell | Included in farewell |
| Theft, Loss, Search Fees | Up to £1,500/£250 | Up to £1,500/£250 | Up to £2,000/£250 | Up to £2,000/£250 | Up to £3,000/£500 | Up to £1,000/£250 | Up to £1,500/£250 |
| Boarding Fees (owner hospitalised >4 days) | £750 | £750 | £750 | £750 | £1,500 | £750 | £750 |
| Third Party Liability (dogs only) | £1M (excess £250) | £1M (excess £250) | £1M (excess £250) | £2M (excess £250) | £2M (excess £250) | £1M (excess £250) | £1M (excess £250) |
| Accidental Damage to Third Party (dogs) | Not covered | Not covered | Not covered | Not covered | £1,000 (excess £250) | Not covered | Not covered |
| Behavioural Treatment | Not covered | Not covered | Not covered | Not covered | £2,000 p.a. (linked to illness/accident) | Not covered | Not covered |
| Online/Phone Vet Access (PawSquad) | Included | Included | Included | Included | Included | Included | Included |
| Limitations—Annual Reset/Per Condition | Annual reset | Annual reset | Annual reset | Annual reset | Annual reset | 12 months per condition | 12 months per condition |
- Good to know:
- No preventive care, routine dental (scaling), vaccination or neutering benefit in any plan.
- Lifetime coverage requires continuous renewal to cover chronic cases.
- Behavioural treatment and dental illness only on Platinum.
- No cover for pre-existing conditions, routine/experimental care, or professional animals.
- You can insure unlimited pets on a single policy, with a 15% Multi Pet discount and extra for Admiral customers.
- Third Party Liability only covers dogs when the owner is not acting professionally.
- Policy waiting periods: 14 days for illness, 24 hours for accident/liability; no payout for events/symptoms before this.
- “Farewell” cover includes euthanasia and cremation costs within the limit shown.
- All plans include remote vet access via PawSquad (24/7).
- Maximum 30 days travel cover abroad per year (Europe/EEA/Ireland).
- Entry age: from 8 weeks, no upper limit for dogs or cats.
Exclusions of Admiral
Admiral applies a comprehensive set of exclusions typical in the UK pet insurance market, but several features stand out for their stringency. Notably, all policies systematically exclude pre-existing conditions, any condition arising within the initial waiting periods (24h accident, 14 days illness), and any animal not microchipped or officially registered on the policy. Exclusions are also applied to costs arising from pregnancy, breeding (including more than two litters in a lifetime), and all preventive care, cosmetic or non-essential treatments, and routine check-ups. For dental illness, only Lifetime Platinum covers treatment and even then, strict dental care follow-up is required for claims eligibility. Geographically, cover outside the UK is limited to 30 days per year within the EEA/Ireland and any move abroad or unreported sale/transfer of the pet voids all claims.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (signs or diagnosis before start/waiting period) - Illness/accident within waiting period (24h accident, 14 days illness) - Routine or preventive care (vaccines, neutering, deworming, check-ups) - Costs linked to pregnancy, birth, breeding, stud fees, or more than 2 litters per life - Prosthetics (except hip/elbow/knee), stem cell, cosmetic surgery, convenience/elective procedures, non-prescribed treatments - Dental illness cover only under Lifetime Platinum (and only if regular dental care documented) |
| Identification & policyholder exclusions | - Animals not microchipped or not named on policy certificate - Claims if animal was transferred or sold without notification - Cover void if animal moves overseas permanently |
| Geographic exclusions | - Only UK and up to 30 days travel per policy year (EEA, Ireland) - No cover for vet costs incurred outside eligible areas or exceeding limit - Specific requirements under “Pet travel scheme” must be met |
| Use & activity exclusions | - Professional/commercial use, paid guarding, commercial breeding - Dangerous/banned breeds (policy-defined) - Claims where owner is in professional activity with dog at time of incident |
| Age & eligibility limitations | - Entry under 8 weeks not allowed - No cover for death by illness if animal is ≥6 years at claim time (death by accident only covered) |
| Administrative/fraud exclusions | - Non-payment, misrepresentation, fraud, or failure to notify material facts - Claim refusals if contractual obligations (vet care, vaccines, address updates) not met |
- Illness/accident within waiting period (24h accident, 14 days illness)
- Routine or preventive care (vaccines, neutering, deworming, check-ups)
- Costs linked to pregnancy, birth, breeding, stud fees, or more than 2 litters per life
- Prosthetics (except hip/elbow/knee), stem cell, cosmetic surgery, convenience/elective procedures, non-prescribed treatments
- Dental illness cover only under Lifetime Platinum (and only if regular dental care documented)
- Claims if animal was transferred or sold without notification
- Cover void if animal moves overseas permanently
- No cover for vet costs incurred outside eligible areas or exceeding limit
- Specific requirements under “Pet travel scheme” must be met
- Dangerous/banned breeds (policy-defined)
- Claims where owner is in professional activity with dog at time of incident
- No cover for death by illness if animal is ≥6 years at claim time (death by accident only covered)
- Claim refusals if contractual obligations (vet care, vaccines, address updates) not met
Admiral rates
Overall, Admiral positions itself in the UK pet insurance market as a competitive and accessible provider, particularly through its digital-led, pure player approach, which helps keep costs below many traditional insurers. Its Time Limited options are notably affordable for basic needs, while Lifetime formulas offer mid-range to high levels of reimbursement and broad cover, with excesses that remain reasonable and predictable. Admiral’s Platinum Lifetime plan stands out for including rare extended benefits (behavioural therapy, dental disease), but this comprehensive protection comes with premiums approaching the upper end of the market. The “Multi Pet” and Admiral customer discounts reinforce broad competitiveness, especially for households managing more than one animal. Admiral’s pricing is thus mainly competitive to median, with the value rising with level of coverage, but becoming more costly on the most comprehensive tiers compared to no-frills or more restricted plans.
Admiral pet insurance sample monthly premiums
Here is an estimate of Admiral’s monthly premiums (in £/month) by product and pet profile—actual quotes may vary by breed/location:
| Essential (Time Limited) | Extra (Time Limited) | Lifetime Blue | Lifetime Bronze | Lifetime Silver | Lifetime Gold | Lifetime Platinum | |
|---|---|---|---|---|---|---|---|
| Young cat (2-4 years) | £7 | £10 | £11 | £13 | £15 | £17 | £24 |
| Senior cat (7-8 years) | £12 | £15 | £18 | £20 | £22 | £26 | £39 |
| Small breed dog | £10 | £13 | £14 | £16 | £20 | £24 | £32 |
| Small breed dog (2-4 years) | £9 | £12 | £13 | £15 | £17 | £20 | £27 |
| Large breed dog (2-4 years) | £13 | £17 | £16 | £20 | £25 | £30 | £42 |
| Senior dog (7-8 years) | £22 | £27 | £32 | £36 | £44 | £52 | £73 |
Compare Admiral’s pricing with other leading insurers to secure the best value for your pet and benefit from multi-pet or existing customer discounts if applicable.
👉 Compare pet insurance plans for freeStart saving on vet billsAdmiral promo codes
| Admiral Promo Codes | Details |
|---|---|
| Multi Pet Discount | 15% discount for each additional pet added to the same policy |
| Existing Admiral Customer | 10% additional discount for current Admiral customers (can be combined with Multi Pet offer) |
How much will I be reimbursed with Admiral?
| Treatment | Average Price (GBP) | Lifetime Platinum (Reimbursed up to £10,000/year, up to £2,000 for dental illness, excess from £99, highest coverage) | Extra (Time Limited, Reimbursed up to £4,000/condition, excess from £99) |
|---|---|---|---|
| Routine vaccination | £60 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £60 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £60 |
| Spay/neuter (castration) | £250 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £250 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £250 |
| Dental cleaning (preventive) | £350 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £350 | Not covered (routine/preventive care not reimbursed). Out-of-pocket: £350 |
| Dental extraction (illness) | £400 | Reimbursed £400 (up to £2,000, if follows annual dental check-up). Out-of-pocket: £0 (excess applies, typically £99, not included here) | Not covered (only dental due to accident is reimbursed). Out-of-pocket: £400 |
| Broken bone (accident) | £1,500 | Reimbursed £1,500 (up to yearly limit). Out-of-pocket: £0 (excess applies, typically £99, not included here) | Reimbursed £1,500 (up to £4,000/condition). Out-of-pocket: £0 (excess applies, typically £99, not included here) |
Admiral Assistance
Admiral distinguishes itself by including 24/7 veterinary teleconsultation with PawSquad on all levels, offering immediate expert advice in case of animal health issues, which is highly valuable for pet owners. However, Admiral does not provide any cash advance service for veterinary fees, so owners must pay upfront and claim afterwards, which may be a significant drawback in emergency situations. Reimbursement processes are managed electronically via the online account or claim form, but there is no dedicated mobile app for claims management—this absence could be limiting in terms of user experience and process speed for digital-first customers. Veterinary emergencies are handled only via teleconsultation; Admiral does not offer direct coordination with physical emergency vet clinics or a network of accredited veterinary partners. Overseas cover is available but remains strictly capped to 30 days per year for trips within Europe/EEA/Ireland, and does not apply to permanent stays abroad.
| Assistance Admiral | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance payment system such as Payvet or Petcard. |
| Payment facilities | ✅ | Payment available monthly or annually by card/direct debit. No interest-free split payment. |
| Mobile application | ❌ | No Admiral Pet app for claims. All steps via online account/claim form. |
| Digital claim management | ✅ | Claims filed online or by phone/email. Documents uploaded via account, e-claim process only. |
| Veterinary emergencies | ✅ | 24/7 available through PawSquad teleconsultation (phone, video, chat). No coordination with emergency clinics. |
| Clinical/veterinary partner network | ❌ | No named partner vet or clinical network; free choice of vet. |
| Cover abroad | ✅ | 30 days per year, Europe/EEA/Ireland only, for trips; no coverage for permanent residence. |
Customer feedback on Admiral
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | Overall Admiral rating: ~4.4/5 (“Excellent”) based on 28,000+ total reviews (all products, not pet-specific) |
| Reviews.io | 4.35/5 average from ~2,100+ reviews (all Admiral products, not pet-specific) |
| Google Reviews* | Around 4.1/5 with 2,800+ reviews (all Admiral products, not pet-specific) |
We have analysed the reviews from the above sites. In terms of positive points, customers who have insured their pets with Admiral most often mention:
- ✅ An efficient and friendly customer service: advisors are often rated as courteous, patient, and helpful, with a high response rate in case of queries or complaints (99% of negative reviews receive a reply, often within 24 hours).
- ✅ Competitive rates and attractive promotions: many policyholders note that the offers are cheaper than market average, especially for those insuring multiple pets (“Multi Pet” discount) or existing Admiral clients.
- ✅ Easy and smooth sign-up and online management: the website is considered clear and intuitive, with a streamlined quote and purchase process, and administration (adding pets, contacting support) is generally judged as straightforward.
- ✅ The inclusion of 24/7 vet teleconsultation (PawSquad): clients value the direct access to qualified vets at any time, with personalised advice and follow-up.
- ✅ Good level of coverage and modular options: the “Lifetime” product, in particular, is appreciated for its comprehensive long-term protection against most major animal health risks.
On the negative side:
- ❌ The absence of pet-specific reviews: the majority of online ratings are for Admiral’s car or home cover, so direct feedback on the pet product is limited.
- ❌ Annual premium increases: policyholders frequently point out that the price rises each year, sometimes by a significant margin as the pet ages or claims are made.
- ❌ Strict exclusions and waiting periods: pre-existing conditions are not covered, and several complain that routine/preventive treatments, most dental care (except on top tier), and breeding-related incidents are excluded.
- ❌ Limited coverage for chronic or recurring conditions for “Time Limited” policies: some customers were surprised that treatment stops after 12 months or when the limit is reached, and that such issues are then permanently excluded from renewal.
- ❌ A variable experience with claims processing: while most find reimbursements fair and fairly quick, a minority encountered requests for additional documentation or delays when the medical situation was complex.
- ❌ Online account management: a few report difficulties accessing their contract documents or managing their account purely online, particularly in the absence of email notifications.
How can I contact Admiral?
| Admiral customer service | Details |
|---|---|
| To get a quote or purchase online | You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Or go directly to: www.admiral.com/pet-insurance Phone: 0333 777 7361 (Mon-Fri, 8am-6pm, excluding bank holidays) |
| To request and follow up on a reimbursement | Declare your claim within 180 days online or by phone. Submit the claim form with required supporting documents (invoices, vet report, proof of payment, policy details) by email or via portal. Contact for claims: - Phone: 0333 777 7362 - Email: [email protected] Reimbursement: Paid either to you or directly to your vet (specify preference). Most refunds processed promptly once documentation is complete (average time: a few working days after validation). |
| To obtain a certificate of insurance | Request your "Proof of Insurance" or certificate by: - Calling Admiral Customer Service: 0333 777 7361 - Via your online policy area (if you have access) Documents may also be sent to you by email/post upon request. |
| To contact assistance | For veterinary teleconsultation and advice 24/7: - Use the included PawSquad service: www.pawsquad.com (registration required, access by webchat/video/call/SMS). For roadside help or questions about your policy: - General customer service: 0333 777 7361 For an emergency claim: 0333 777 7362 |
| To cancel my contract | You can cancel within 14 days (cooling-off) for a full refund if no claim submitted. Afterward, cancel at any time—refund calculated pro-rata if no claim has been made. Send your cancellation request: - By phone: 0333 777 7361 - By email: write to [email protected] - By post: Admiral Pet Insurance, Ty Admiral, David Street, Cardiff, CF10 2EH, UK Please provide your policy number and written request. Attach any supporting documents if requested. Notice period: Immediate after notification, but allow a few working days for processing. If a claim has been made, refund of premiums may not apply. |
Or go directly to: www.admiral.com/pet-insurance
Phone: 0333 777 7361 (Mon-Fri, 8am-6pm, excluding bank holidays)
Submit the claim form with required supporting documents (invoices, vet report, proof of payment, policy details) by email or via portal.
Contact for claims:
- Phone: 0333 777 7362
- Email: [email protected]
Reimbursement: Paid either to you or directly to your vet (specify preference). Most refunds processed promptly once documentation is complete (average time: a few working days after validation).
- Calling Admiral Customer Service: 0333 777 7361
- Via your online policy area (if you have access)
Documents may also be sent to you by email/post upon request.
- Use the included PawSquad service: www.pawsquad.com (registration required, access by webchat/video/call/SMS).
For roadside help or questions about your policy:
- General customer service: 0333 777 7361
For an emergency claim: 0333 777 7362
Send your cancellation request:
- By phone: 0333 777 7361
- By email: write to [email protected]
- By post: Admiral Pet Insurance, Ty Admiral, David Street, Cardiff, CF10 2EH, UK
Please provide your policy number and written request. Attach any supporting documents if requested. Notice period: Immediate after notification, but allow a few working days for processing. If a claim has been made, refund of premiums may not apply.
FAQ
Do I need to pay the vet upfront with Admiral Pet Insurance?
With Admiral, you typically pay your vet directly and then claim back eligible costs. However, Admiral can arrange to pay the vet directly for approved claims if your vet is willing to accept payment this way. It's recommended to check with your vet and advise Admiral when submitting your claim if you prefer direct payment.
How do I cancel my Admiral pet insurance policy?
To cancel your Admiral pet insurance, contact Admiral by phone or email. If cancelled within 14 days of policy start, you’ll usually receive a full refund unless a claim has been made. After this period, cancellation is possible at any time and refunds are pro-rata, but you'll need to provide your policy details and may need to complete a cancellation form.
What types of cover does Admiral offer for pets?
Admiral provides two main types of cover: Lifetime and Time Limited. Lifetime cover renews each year and is ideal for ongoing conditions, while Time Limited policies cover each illness or injury for up to 12 months from onset. Both offer a range of annual limits and extra features to match varying needs and budgets.
Are pre-existing conditions covered by Admiral Pet Insurance?
No, Admiral Pet Insurance does not cover any pre-existing conditions. This includes illnesses or injuries that started or showed signs before your policy began, or during any waiting period. It’s important to declare all past conditions at sign-up, as non-disclosure could invalidate your cover.
Can I insure multiple pets under one policy with Admiral?
Yes, Admiral allows you to insure up to 10 pets on a single policy with their Multi Pet cover. You’ll receive a 15% discount for each additional pet and an extra 10% if you’re already an Admiral customer. This makes managing renewals and payments easier as well as saving you money.
Do I need to pay the vet upfront with Admiral Pet Insurance?
With Admiral, you typically pay your vet directly and then claim back eligible costs. However, Admiral can arrange to pay the vet directly for approved claims if your vet is willing to accept payment this way. It's recommended to check with your vet and advise Admiral when submitting your claim if you prefer direct payment.
How do I cancel my Admiral pet insurance policy?
To cancel your Admiral pet insurance, contact Admiral by phone or email. If cancelled within 14 days of policy start, you’ll usually receive a full refund unless a claim has been made. After this period, cancellation is possible at any time and refunds are pro-rata, but you'll need to provide your policy details and may need to complete a cancellation form.
What types of cover does Admiral offer for pets?
Admiral provides two main types of cover: Lifetime and Time Limited. Lifetime cover renews each year and is ideal for ongoing conditions, while Time Limited policies cover each illness or injury for up to 12 months from onset. Both offer a range of annual limits and extra features to match varying needs and budgets.
Are pre-existing conditions covered by Admiral Pet Insurance?
No, Admiral Pet Insurance does not cover any pre-existing conditions. This includes illnesses or injuries that started or showed signs before your policy began, or during any waiting period. It’s important to declare all past conditions at sign-up, as non-disclosure could invalidate your cover.
Can I insure multiple pets under one policy with Admiral?
Yes, Admiral allows you to insure up to 10 pets on a single policy with their Multi Pet cover. You’ll receive a 15% discount for each additional pet and an extra 10% if you’re already an Admiral customer. This makes managing renewals and payments easier as well as saving you money.
