Is Admiral Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Admiral
Admiral stands as a prominent choice in the UK pet insurance market, offering a wide range of formulas across both Lifetime and Time Limited options, with annual vet fee limits up to £10,000 and customisable excesses (£99 or £199). Its formulas cover most standard needs from £2,000 up to £10,000, with Gold and Platinum tiers Defaqto five-star rated, featuring robust third-party liability (up to £2m for dogs), worldwide emergency cover (up to 30 days), and unique extras like 24/7 video vet advice via PawSquad. Compared to key competitors, Admiral combines flexibility of cover levels with consistently competitive premium positioning, especially when factoring its generous multi-pet (15%) and existing customer (10%) discounts.
Admiral will appeal most to pet owners seeking tailored, high-ceiling lifetime protection—ideal for pedigree breeds with chronic/recurring risks, multi-pet households, those valuing strong digital services, or owners looking for comprehensive extras like dental illness or behavioural therapy (Platinum only). Families on a budget can access solid core protection through lower-tier formulas, but ageing pets and those with pre-existing conditions may find exclusions restrictive.
Admiral Insurance, part of the Admiral Group plc, is financially robust (ca. £4+bn premiums written Group-wide annually), serving over 127,000 Trustpilot reviewers with an excellent 4.5/5 average rating and highly praised customer service. Claims are managed via an efficient, largely digitalised process, typically settled in 10–30 working days, reflecting solid operational reliability within the UK landscape.
- ✅Lifetime and Time Limited policies, 7 formulas for all budgets
- ✅Vet fee cover up to £10,000/year (Platinum)
- ✅Generous multi-pet and existing customer discounts (up to 23.5%)
- ✅Gold and Platinum tiers Defaqto five-star rated
- ✅Fixed or flexible excess for claims control
- ✅24/7 digital vet access (PawSquad) included
- ✅Outstanding Trustpilot rating (4.5/5, 127,000+ reviews)
- ❌No cover for pre-existing or pre-policy health conditions
- ❌Illness cover stops at age 6 for death benefit
- ❌Dental and behavioural only with Platinum
- ❌Older pets face higher excess, sometimes co-pay
- ❌No long-term chronic care with Time Limited formulas
Score- ✅Lifetime and Time Limited policies, 7 formulas for all budgets
- ✅Vet fee cover up to £10,000/year (Platinum)
- ✅Generous multi-pet and existing customer discounts (up to 23.5%)
- ✅Gold and Platinum tiers Defaqto five-star rated
- ✅Fixed or flexible excess for claims control
- ✅24/7 digital vet access (PawSquad) included
- ✅Outstanding Trustpilot rating (4.5/5, 127,000+ reviews)
Our Expert's Opinion on Admiral
- ✅Lifetime and Time Limited policies, 7 formulas for all budgets
- ✅Vet fee cover up to £10,000/year (Platinum)
- ✅Generous multi-pet and existing customer discounts (up to 23.5%)
- ✅Gold and Platinum tiers Defaqto five-star rated
- ✅Fixed or flexible excess for claims control
- ✅24/7 digital vet access (PawSquad) included
- ✅Outstanding Trustpilot rating (4.5/5, 127,000+ reviews)
- ❌No cover for pre-existing or pre-policy health conditions
- ❌Illness cover stops at age 6 for death benefit
- ❌Dental and behavioural only with Platinum
- ❌Older pets face higher excess, sometimes co-pay
- ❌No long-term chronic care with Time Limited formulas
Score- ✅Lifetime and Time Limited policies, 7 formulas for all budgets
- ✅Vet fee cover up to £10,000/year (Platinum)
- ✅Generous multi-pet and existing customer discounts (up to 23.5%)
- ✅Gold and Platinum tiers Defaqto five-star rated
- ✅Fixed or flexible excess for claims control
- ✅24/7 digital vet access (PawSquad) included
- ✅Outstanding Trustpilot rating (4.5/5, 127,000+ reviews)
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the policy terms and pricing of the UK’s leading providers every year to bring you a reliable and impartial analysis. Thanks to this commitment, hundreds of thousands of users across the UK trust us each month to help guide their most important financial decisions.
Admiral Warranties
Admiral offers both Lifetime and Time Limited pet insurance, with five Lifetime tiers (Blue to Platinum, up to £10,000/year) and two Time Limited options (Essential, Extra, up to £4,000/condition/12 months). All formulas include wide accident and illness coverage, third-party liability for dogs, access to 24/7 online vet advice (PawSquad), and generous sub-limits for complementary treatment and boarding.
Distinctively, the Platinum Lifetime plan stands out with rare inclusions—dental illness, behavioural treatment, and accidental damage cover—though prevention, routine care, and hereditary conditions remain excluded. Admiral’s main shortcomings are the absence of any routine or preventive care reimbursement and that most covers for death by illness end at the pet’s sixth birthday.
Competitive multi-pet and existing customer discounts, plus clear claim excess options, help position Admiral as robust value, despite these exclusions.
| Name of Cover/Feature | Lifetime Blue | Lifetime Bronze | Lifetime Silver | Lifetime Gold | Lifetime Platinum | Time Limited Essential | Time Limited Extra |
|---|---|---|---|---|---|---|---|
| Positioning | Entry-level Lifetime | Budget Lifetime | Mid-range Lifetime | Premium Lifetime | Top Lifetime | Entry-level Time Limited | Enhanced Time Limited |
| Type of cover | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness |
| Animals covered | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs |
| Reimbursement rate | Up to limit/claim | Up to limit/claim | Up to limit/claim | Up to limit/claim | Up to limit/claim | Up to limit/claim | Up to limit/claim |
| Annual vet fee limit | £2,000 | £3,000 | £4,000 | £5,000 | £10,000 | N/A | N/A |
| Per-condition vet fee limit | N/A | N/A | N/A | N/A | N/A | £2,000 (12mo) | £4,000 (12mo) |
| Annual excess (pet | £99 or £199, yearly | £99 or £199, yearly | £99 or £199, yearly | £99 or £199, yearly | £99 or £199, yearly | £99 or £199, per cond. | £99 or £199, per cond. |
| Annual excess (pet 6y+) | £199, yearly | £199, yearly | £199, yearly | £199, yearly | £199, yearly | £199, per cond. | £199, per cond. |
| Age for subscription - cats | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max |
| Age for subscription - dogs | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max | ≥8 weeks, no max |
| Pre-insurance health questionnaire | NC | NC | NC | NC | NC | NC | NC |
| 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 renewal guaranteed | ✅ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ |
| Vet consults (all types) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Medicines | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Hospitalisation | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Ambulance costs | NC | NC | NC | NC | NC | NC | NC |
| Surgery & anaesthesia | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Imaging (scans, MRI etc.) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Laboratory tests | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Radiotherapy | NC | NC | NC | NC | NC | NC | NC |
| Dental (accident) | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| Dental (illness) | ❌ | ❌ | ❌ | ❌ | ✅ (£2,000) | ❌ | ❌ |
| Scale & polish | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
| Prevention package | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
| Complementary therapies | £500 cap | £500 cap | £500 cap | £500 cap | £500 cap | £500 cap | £500 cap |
| Special diet (prescription, stones) | £100 | £100 | £150 | £150 | £200 | £100 | £100 |
| Alternative therapies | Included in £500 cap | Included in £500 cap | Included in £500 cap | Included in £500 cap | Included in £500 cap | Included in £500 cap | Included in £500 cap |
| Therapeutic food (other) | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ | ❌ |
| Coverage abroad | Up to 30 days/yr | Up to 30 days/yr | Up to 30 days/yr | Up to 30 days/yr | Up to 30 days/yr | Up to 30 days/yr | Up to 30 days/yr |
| Death (accident) | £1,500 | £1,500 | £2,000 | £2,000 | £3,000 | £1,000 | £1,500 |
| Death (illness | £1,500 | £1,500 | £2,000 | £2,000 | £3,000 | £1,000 | £1,500 |
| Euthanasia/cremation/farewell | £100 | £100 | £150 | £150 | £200 | £100 | £150 |
| Theft/loss/straying | £1,500 | £1,500 | £2,000 | £2,000 | £3,000 | £1,000 | £1,500 |
| Pet recovery/advertising/reward | £250 | £250 | £250 | £250 | £500 | £250 | £250 |
| Third party liability (dogs only) | £1m | £1m | £1m | £2m | £2m | £1m | £1m |
| Third party accidental damage | ❌ | ❌ | ❌ | ❌ | £1,000 (£250 excess) | ❌ | ❌ |
| Boarding fees (owner hospitalised) | £750 | £750 | £750 | £750 | £1,500 | £750 | £750 |
| Behavioural treatment | ❌ | ❌ | ❌ | ❌ | £2,000 | ❌ | ❌ |
| Pet sitting during owner illness | Included in boarding | Included in boarding | Included in boarding | Included in boarding | Included in boarding | Included in boarding | Included in boarding |
Good to know
- No cover for pre-existing conditions, prevention costs (vaccines, flea/worm, neutering), or pets under 8 weeks.
- Death by illness cover is only valid up to the animal's sixth birthday.
- Routine dental care, hereditary/congenital diseases, and any treatment within carence period (14 days illness/24h accident) are excluded.
- There is no upper age limit to join, but excess increases at age 6.
- Claims must be notified within 180 days; proof of purchase required for death benefit above £250.
Compare Admiral’s plans carefully to secure the most fitting and cost-effective cover for your pet’s profile.
👉 Compare pet insurance plans for freeStart saving on vet billsAdmiral exclusions
Admiral’s policy displays several exclusions typical to UK pet insurance, such as all pre-existing conditions, claims within waiting periods (24h for accidents, 14 days for illnesses), and routine/preventive care (vaccinations, flea control, neutering, etc.), but also features a few key differences versus other major players. Notably, cover for death by illness ends on the pet’s 6th birthday—significantly stricter than most direct competitors, which often provide this benefit up to 8 or even 10 years for dogs and cats. Behavioural and dental illness treatments are only covered at the highest (Platinum) level and are strictly excluded for all other tiers, even as ongoing/chronic issues.
Breeding and pregnancy are always excluded, as are all claims relating to banned breeds and pets used for commercial or security work.
Additionally, claims for a pet not explicitly listed on the policy schedule, or any pet under 8 weeks, are excluded—and there are also clear limitations for overseas claims (30 days max per policy year in eligible countries).
| Exclusions | Details |
|---|---|
| Medical Exclusions |
|
| Identification & Pet Status Exclusions |
|
| Breeding & Reproduction |
|
| Geographical/Travel |
|
| Legislative/Legal |
|
| Administrative/Procedural |
|
| Other Special Caps and Exclusions |
|
- Pre-existing conditions or symptoms before policy start/waiting period
- Illness within first 14 days, accident within first 24h
- Routine/preventive care (vaccinations, flea/worm, neutering, grooming, etc.)
- Dental treatment for illness (except Platinum tier)
- Behavioural treatment (except Platinum tier)
- Prosthetics (except joint replacements)
- Death by illness after pet’s 6th birthday
- Euthanasia/cremation outside 'Farewell Cover' limits
- Claims for pets under 8 weeks
- Any claim for a pet not explicitly named in policy schedule
- Dogs with a record of aggression or subject to restrictions
- Working, security, or commercial breeding pets
- Banned breeds (e.g., XL Bully, Pit Bull types)
- Pets used for commercial activities
- Pregnancy and birth-related costs
- Breeding (planned or accidental), artificial insemination
- Non-UK claims except select EU/EEA countries (max 30 days/year)
- Claims not compliant with animal travel laws/legislation
- Costs incurred beyond permitted travel limits
- Claims arising from Animals Act, Dangerous Dogs Act, notifiable diseases
- Any act of war, civil unrest, terrorism, nuclear risks, or currency fluctuation losses
- Claims notified after 180 days
- Missing or insufficient veterinary evidence
- Failure to keep pet's vaccinations and routine health care up to date
- Death by illness cover capped by age (ends at 6th birthday)
- Farewell (euthanasia/cremation/casket) only within product limits
- Advertising/straying/reward limited both in type and recipient
Admiral rates
Admiral positions itself in the UK pet insurance market as a competitive and flexible provider, offering a broad range of coverage levels through both Lifetime and Time Limited policies. Premiums are generally positioned slightly below or in line with the market average for mid-level cover, with Platinum Lifetime options offering more comprehensive benefits (including dental illness and behavioural treatment) closer in cost to premium competitors.
Admiral’s digital-forward approach, streamlined via direct online sales and claims management, allows for reduced operational costs—these savings are reflected in pricing, especially for entry and mid-tier formulas. Core features such as 24/7 online vet access (PawSquad), multi-pet discounts, and solid claims support reinforce Admiral’s value proposition, particularly for digitally confident owners.
While high-value tiers are robust, the strictness on exclusions (notably for chronic illness in Time Limited, and dental/behavioural in all but Platinum) means budget formulas can be limited compared to providers with broader base covers.
Overall, Admiral is best described as occupying a strong median-to-competitive position: economical for essential cover, mainstream for most needs, and only at the higher end if seeking maximum reimbursement and additional benefits.
| Lifetime Blue | Lifetime Bronze | Lifetime Silver | Lifetime Gold | Lifetime Platinum | Time Limited Essential | Time Limited Extra | |
|---|---|---|---|---|---|---|---|
| Cat young (2–4 years) | £7/mo | £10/mo | £13/mo | £16/mo | £25/mo | £6/mo | £8/mo |
| Cat senior (7–8 years) | £12/mo | £15/mo | £18/mo | £22/mo | £33/mo | £10/mo | £13/mo |
| Small dog (e.g. Border Terrier) | £10/mo | £13/mo | £16/mo | £21/mo | £32/mo | £8/mo | £11/mo |
| Small dog (2–4 years) | £10/mo | £13/mo | £16/mo | £21/mo | £32/mo | £8/mo | £11/mo |
| Large dog (e.g. Labrador) (2–4 years) | £14/mo | £18/mo | £22/mo | £29/mo | £44/mo | £12/mo | £16/mo |
| Dog senior (7–8 years) | £22/mo | £27/mo | £33/mo | £42/mo | £62/mo | £18/mo | £23/mo |
Take the time to compare providers to ensure you get the widest cover at the lowest price tailored to your pet’s needs.
👉 Compare pet insurance plans for freeStart saving on vet billsAdmiral promo codes
| Admiral promo codes | Details |
|---|---|
| Multi-pet discount | 15% off per pet when insuring multiple pets |
| Existing customer | 10% off for Admiral home/car/other insurance holders |
| Combined discounts | Up to 23.5% off when combining multi-pet and existing customer discounts |
| Code promo HelloSafe | -5% on your quote |
How much will I be reimbursed with Admiral?
When your pet needs veterinary care, Admiral's pet insurance helps cover the costs according to the level of cover you’ve chosen. With the Lifetime Platinum plan, you get the highest annual vet fee limit and the widest possible coverage—including dental illness and behavioural treatment. Below are some realistic examples illustrating how much you could be reimbursed, and how much you’d need to pay out of pocket, with Admiral’s top Lifetime Platinum cover.
Informations importantes
Example 1: Treatment for Gastric Upset in a Young Dog
Total vet costs: £420 (consultation, blood tests, IV fluids, medication)
Annual excess (under 6): £99 (this is the first claim of the policy year)
Amount reimbursable after excess: £420 – £99 = £321
With the Lifetime Platinum formula, you are reimbursed 100% of the eligible costs after the excess (up to £10,000 annual limit): £321
👉 You receive £321 back from Admiral. Your out-of-pocket cost: only £99.
ℹ️ The annual excess is paid once per condition per year. Future claims for the same condition in this year won’t have another excess deducted.
Informations importantes
Example 2: Dental Illness Treatment (Platinum Only Benefit)
Total vet costs: £850 (dental scaling and extraction under anaesthetic, pain relief, antibiotics)
Annual excess: £99 (for a 5-year-old dog or cat; £199 if age 6+)
Platinum-only dental illness cover limit: Up to £2,000 per year.
Amount reimbursable after excess: £850 – £99 = £751
👉 You receive £751 back from Admiral. Your out-of-pocket cost: only £99.
ℹ️ Dental illness is only covered within the Lifetime Platinum plan, up to £2,000 per year. For older pets (6+), the annual excess increases to £199.
Informations importantes
Example 3: Behavioural Treatment (Platinum Only Benefit)
Total behaviourist costs: £600 (vet referral + five sessions with a certified behaviourist for severe anxiety)
Annual excess: £99 (for pets under 6; £199 if 6+)
Platinum behavioural treatment limit: Up to £2,000 per year.
Amount reimbursable after excess: £600 – £99 = £501
👉 You receive £501 back from Admiral. Your out-of-pocket cost: only £99.
ℹ️ Behavioural treatment is only included with the Lifetime Platinum plan (up to £2,000/year), making it a unique and valuable benefit for tackling complex issues.
Admiral Assistance
Admiral provides 24/7 access to UK-registered vets via PawSquad, a valuable inclusion offering video, phone or text consultations, but does not offer an in-house emergency hotline for coordinating in-person care or claims in urgent situations.
Claims can be paid directly to the vet if the practice accepts, which simplifies the process for some owners, but Admiral does not offer a dedicated advance payment or pet health credit card system like those available with some UK competitors.
There is no mobile app for pet insurance—customers manage claims and policy administration by email, phone or web interface, a practical limitation given growing demand for digital claims tracking and document uploads.
While Admiral covers up to 30 days per year for travel to specified EU/EEA countries, cover abroad is more restrictive than some plans that allow longer trips or permanent international relocation.
There is no curated network of partner vets or clinics—which means freedom of provider, but also no negotiated rates or seamless in-network direct settlement.
| Assistance Admiral | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No veterinary pre-payment or health credit system (like PetCard or Carefree Credit) is offered. |
| Payment facilities | ✅ | Monthly premium payment by direct debit is available, with no additional fees for instalment payments. |
| Mobile app | ❌ | No Admiral app dedicated to pet insurance; claims and admin via website, phone, or email only. |
| Digital claims submission | ✅ | Forms and documents can be uploaded via customer web portal or emailed; no mobile upload, some processes done by form. |
| Emergency vet line/telemed | ✅ | 24/7 access to UK-regulated PawSquad vets by video, phone or chat, but not an in-house claims emergency service. |
| Vet/clinic network | ❌ | No formal partner network; customers may use any qualified UK vet. |
| Overseas cover | ✅ | Up to 30 days per year in listed EU/EEA countries; no cover for long-term or permanent stays abroad. |
Customer feedback on Admiral
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5 / 5 (127,237 reviews - all Admiral Insurance products, including pet) |
We have analysed the reviews from the site above. On the positive side, owners who have taken out an Admiral policy for their pets often mention:
- The competitive pricing and perceived good value for money: many customers highlight that policy costs are reasonable compared to the cover provided and discount options for multi-pet households or Admiral customers are appreciated.
- The ease and clarity of the purchase process: the simple, user-friendly website and clear documentation make it straightforward to obtain a quote and understand cover levels.
- The friendly and helpful customer service: insured pet owners report that Admiral’s phone and online teams are approachable and effective, with prompt responses and willingness to explain procedures or policy details.
- The efficient claims handling: for most straightforward claims, customers describe the process as hassle-free, with direct payment to vets possible and regular updates provided.
- The inclusion of 24/7 vet advice via PawSquad: access to professional veterinary help at any time is valued as reassuring and practical, especially outside normal vet hours.
On the negative side:
- Price increases at renewal are a frequent frustration: customers report that premiums may rise significantly after the first year, sometimes without obvious reason, requiring negotiation or comparison shopping.
- Occasional delays or complications in handling more complex queries: some users mention that multi-pet or multi-policy account management can involve technical glitches or slow response times, for instance with shared email addresses or policy amendments.
- Limits and exclusions may lead to misunderstandings: a number of policyholders feel restricted by caps on dental, behavioural, or pre-existing conditions, and regret that certain treatments are only included in the highest cover tier.
- Automated systems and online services: while many self-service tasks are easy, some customers would prefer less reliance on online forms or call menus, especially when resolving non-standard situations.
- Complaints about customer service in specific situations: though generally strong, support can sometimes be less flexible or understanding during disputes about claims rejections, documentation requests, or policy interpretation.
How to contact Admiral?
| Service client Admiral | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Declare the claim as soon as possible (within 180 days), via: - Phone: 0333 777 7362 - Email: [email protected] - You will need to fill out a claim form and provide supporting documents (detailed vet invoices, medical record, proof of payment, etc.). Payment can be made directly to the vet or to your bank account. Average observed processing time: within 10 to 15 business days after receipt of all documents. |
| To obtain an insurance certificate | Contact Admiral customer service: - Phone: 0333 777 7361 - Email: via the site's contact form or direct online request. Specify your policy number and contact details to get a certificate or duplicate by email or mail. |
| To contact assistance |
|
| To cancel my contract | Send your cancellation request to: - Phone: 0333 777 7361 - Email: via the website form or at [email protected] Provide your policy number, name, an explicit cancellation request and your contact details. - By mail: Admiral Pet Insurance, Ty Admiral, David Street, Cardiff, CF10 2EH, UK Notice period: • During the first 14 days: cancellation with full refund if no claim made. • After 14 days: pro rata refund if no claim has been made; no refund if a claim was filed. Remember to attach any relevant document to speed up processing (insurance certificate, bank details for refund, etc.). |
- Phone: 0333 777 7362
- Email: [email protected]
- You will need to fill out a claim form and provide supporting documents (detailed vet invoices, medical record, proof of payment, etc.). Payment can be made directly to the vet or to your bank account. Average observed processing time: within 10 to 15 business days after receipt of all documents.
- Phone: 0333 777 7361
- Email: via the site's contact form or direct online request.
Specify your policy number and contact details to get a certificate or duplicate by email or mail.
- For any question related to the contract or a claim:
• Customer service: 0333 777 7361
• Email: [email protected] - For 24/7 veterinary assistance: Sign up to PawSquad (included with all plans) to contact a vet by chat, phone or video anytime.
- Phone: 0333 777 7361
- Email: via the website form or at [email protected]
Provide your policy number, name, an explicit cancellation request and your contact details.
- By mail: Admiral Pet Insurance, Ty Admiral, David Street, Cardiff, CF10 2EH, UK
Notice period:
• During the first 14 days: cancellation with full refund if no claim made.
• After 14 days: pro rata refund if no claim has been made; no refund if a claim was filed.
Remember to attach any relevant document to speed up processing (insurance certificate, bank details for refund, etc.).
FAQ
Do I need to pay the vet upfront with Admiral?
Admiral does not guarantee a direct payment system (like Payvet or automatic “no upfront fees” arrangements) for all vets. Generally, you pay the vet yourself, then submit a claim to Admiral for reimbursement. However, in many cases, Admiral can pay the vet directly if your veterinary clinic agrees—make sure to discuss this with your vet and confirm when arranging treatment.
How do I cancel my Admiral pet insurance contract?
To cancel your Admiral pet insurance, contact customer services by phone or email. There is a 14-day cooling-off period for a full refund if no claim has been made. After this, cancellation is possible at any time, with a pro-rata refund if no claim has been made (minus time on cover). Provide your policy number and written confirmation; no special documents are usually needed beyond ID and policy details.
What types of pets and ages does Admiral cover?
Admiral covers cats and dogs from eight weeks old. There is no official maximum age to start cover, but some benefits, like “death by illness,” end when your pet reaches six years. Breeds banned under UK law and working or commercial breeding animals are not eligible.
Does Admiral pet insurance cover pre-existing conditions?
No, Admiral pet insurance does not cover pre-existing conditions—any illness or injury your pet had before your policy start date or during the waiting period is excluded from cover. Only new illnesses or accidents that develop after your policy starts are eligible for claims.
Does Admiral offer discounts for insuring multiple pets?
Yes, Admiral offers a 15% multi-pet discount per pet when you insure more than one animal on the same policy. If you’re already an Admiral customer, you can get an extra 10% discount—together, discounts can reach up to 23.5% off your total premium.
Do I need to pay the vet upfront with Admiral?
Admiral does not guarantee a direct payment system (like Payvet or automatic “no upfront fees” arrangements) for all vets. Generally, you pay the vet yourself, then submit a claim to Admiral for reimbursement. However, in many cases, Admiral can pay the vet directly if your veterinary clinic agrees—make sure to discuss this with your vet and confirm when arranging treatment.
How do I cancel my Admiral pet insurance contract?
To cancel your Admiral pet insurance, contact customer services by phone or email. There is a 14-day cooling-off period for a full refund if no claim has been made. After this, cancellation is possible at any time, with a pro-rata refund if no claim has been made (minus time on cover). Provide your policy number and written confirmation; no special documents are usually needed beyond ID and policy details.
What types of pets and ages does Admiral cover?
Admiral covers cats and dogs from eight weeks old. There is no official maximum age to start cover, but some benefits, like “death by illness,” end when your pet reaches six years. Breeds banned under UK law and working or commercial breeding animals are not eligible.
Does Admiral pet insurance cover pre-existing conditions?
No, Admiral pet insurance does not cover pre-existing conditions—any illness or injury your pet had before your policy start date or during the waiting period is excluded from cover. Only new illnesses or accidents that develop after your policy starts are eligible for claims.
Does Admiral offer discounts for insuring multiple pets?
Yes, Admiral offers a 15% multi-pet discount per pet when you insure more than one animal on the same policy. If you’re already an Admiral customer, you can get an extra 10% discount—together, discounts can reach up to 23.5% off your total premium.
