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Is Asda Pet Insurance Worth It? Reviews 2025

Asda
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Our Expert's Opinion on Asda

Last update: 21 June 2025
AsdaAsda
4.5
hellosafe-logoScore
AsdaAsda
4.5
hellosafe-logoScore
Charlotte Green
Charlotte Green
Finance content specialist

Asda Pet Insurance positions itself as one of the most flexible and value-oriented providers for pet owners in the UK, thanks to its broad choice between Time Limited (12 Month Cover: £2,000 or £5,000 per condition) and Lifetime plans (£2,000–£10,000 per year), adjustable excess (£100–£250), and rare inclusion of extras like 24/7 teleconsultation with Joii. The reimbursement ceilings surpass many low-cost providers and its customisable excess is attractive for owners seeking to balance upfront cost against premium. While dental cover for illness is only included on Lifetime £6,000+ policies, all options provide dental accident cover—slightly above the standard for the segment. The Lifetime formulas are solid for breeds needing ongoing care, whereas Time Limited covers offer affordable protection for younger, healthy animals and small budgets. Asda is particularly well suited for multi-pet households (10% discount), owners seeking digital claims (including vet-direct payments), and those wanting broad support (e.g., overseas cover, emergency boarding, liability up to £1m for dogs). Managed by Insurance Factory Ltd (Markerstudy), and backed by the large insurer HDI Global Specialty SE UK, Asda demonstrates robust operational stability. With an outstanding 4.6/5 Trustpilot score from 8,410 reviews, it excels in customer experience. Claims are managed through a digital-first, multi-channel process, with most settling times reported as competitive for the UK market.

  • ✅Wide choice of Lifetime and Time Limited plans, up to £10,000 per year
  • ✅Customisable fixed excess (£100–£250), plus multi-pet 10% discount
  • ✅Outstanding Trustpilot rating (4.6/5, 8,410 reviews)
  • ✅24/7 unlimited vet teleconsultation Joii app included free
  • ✅Direct vet payment available, digital-first claims process
  • ✅Comprehensive overseas and liability cover for dogs
  • ✅Award-winning provider (Moneynet Best Pet Insurance 2025)
  • ❌No cover for pre-existing or preventive care
  • ❌Dental illness cover only on Lifetime £6k+ levels
  • ❌Co-insurance 10% added from pet's 5th birthday
  • ❌Annual limits or per-condition limits depending on plan
  • ❌High-risk or excluded breeds not eligible
AsdaAsda
4.5
hellosafe-logoScore
AsdaAsda
4.5
hellosafe-logoScore
  • ✅Wide choice of Lifetime and Time Limited plans, up to £10,000 per year
  • ✅Customisable fixed excess (£100–£250), plus multi-pet 10% discount
  • ✅Outstanding Trustpilot rating (4.6/5, 8,410 reviews)
  • ✅24/7 unlimited vet teleconsultation Joii app included free
  • ✅Direct vet payment available, digital-first claims process
  • ✅Comprehensive overseas and liability cover for dogs
  • ✅Award-winning provider (Moneynet Best Pet Insurance 2025)

Our Expert's Opinion on Asda

Last update: 21 June 2025
Charlotte Green
Charlotte Green
Finance content specialist
  • ✅Wide choice of Lifetime and Time Limited plans, up to £10,000 per year
  • ✅Customisable fixed excess (£100–£250), plus multi-pet 10% discount
  • ✅Outstanding Trustpilot rating (4.6/5, 8,410 reviews)
  • ✅24/7 unlimited vet teleconsultation Joii app included free
  • ✅Direct vet payment available, digital-first claims process
  • ✅Comprehensive overseas and liability cover for dogs
  • ✅Award-winning provider (Moneynet Best Pet Insurance 2025)
  • ❌No cover for pre-existing or preventive care
  • ❌Dental illness cover only on Lifetime £6k+ levels
  • ❌Co-insurance 10% added from pet's 5th birthday
  • ❌Annual limits or per-condition limits depending on plan
  • ❌High-risk or excluded breeds not eligible
AsdaAsda
4.5
hellosafe-logoScore
AsdaAsda
4.5
hellosafe-logoScore
  • ✅Wide choice of Lifetime and Time Limited plans, up to £10,000 per year
  • ✅Customisable fixed excess (£100–£250), plus multi-pet 10% discount
  • ✅Outstanding Trustpilot rating (4.6/5, 8,410 reviews)
  • ✅24/7 unlimited vet teleconsultation Joii app included free
  • ✅Direct vet payment available, digital-first claims process
  • ✅Comprehensive overseas and liability cover for dogs
  • ✅Award-winning provider (Moneynet Best Pet Insurance 2025)
Asda Pet Insurance positions itself as one of the most flexible and value-oriented providers for pet owners in the UK, thanks to its broad choice between Time Limited (12 Month Cover: £2,000 or £5,000 per condition) and Lifetime plans (£2,000–£10,000 per year), adjustable excess (£100–£250), and rare inclusion of extras like 24/7 teleconsultation with Joii. The reimbursement ceilings surpass many low-cost providers and its customisable excess is attractive for owners seeking to balance upfront cost against premium. While dental cover for illness is only included on Lifetime £6,000+ policies, all options provide dental accident cover—slightly above the standard for the segment. The Lifetime formulas are solid for breeds needing ongoing care, whereas Time Limited covers offer affordable protection for younger, healthy animals and small budgets. Asda is particularly well suited for multi-pet households (10% discount), owners seeking digital claims (including vet-direct payments), and those wanting broad support (e.g., overseas cover, emergency boarding, liability up to £1m for dogs). Managed by Insurance Factory Ltd (Markerstudy), and backed by the large insurer HDI Global Specialty SE UK, Asda demonstrates robust operational stability. With an outstanding 4.6/5 Trustpilot score from 8,410 reviews, it excels in customer experience. Claims are managed through a digital-first, multi-channel process, with most settling times reported as competitive for the UK market.
GuaranteeTime Limited £2,000Time Limited £5,000Lifetime £2,000Lifetime £4,000Lifetime £6,000Lifetime £8,000Lifetime £10,000
Formula positioningEntry short-term cover, fixed per illnessEnhanced short-term cover, fixed per illnessEntry lifetime coverMid-tier lifetime coverLifetime with dental illness & high capsLifetime with dental illness, top capsLifetime with dental illness, max caps
Type of coverAccident & illness, per condition 12 monthsAccident & illness, per condition 12 monthsAccident & illness, renewable each yearAccident & illness, renewable each yearAccident & illness, renewable each yearAccident & illness, renewable each yearAccident & illness, renewable each year
Animals coveredCats & dogsCats & dogsCats & dogsCats & dogsCats & dogsCats & dogsCats & dogs
Vet fee reimbursement %Up to 100% up to capsUp to 100% up to capsUp to 100% up to capsUp to 100% up to capsUp to 100% up to capsUp to 100% up to capsUp to 100% up to caps
Annual vet fees cap£2,000 per condition, per year or 12 months£5,000 per condition, per year or 12 months£2,000 per year£4,000 per year£6,000 per year£8,000 per year£10,000 per year
Excess (per claim)£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year£100–£250 per condition/claim/animal/year
Min/max age to join – catsFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NC
Min/max age to join – dogsFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NCFrom 8 weeks; max NC
Pre-insurance health questionnaireNCNCNCNCNCNCNC
Illness waiting period14 days14 days14 days14 days14 days14 days14 days
Accident waiting period48 hours48 hours48 hours48 hours48 hours48 hours48 hours
Lifetime renewal guarantee (lifetime if policy kept)❌❌✅✅✅✅✅
Vet consultations (incl. emergency)✅✅✅✅✅✅✅
Medications✅✅✅✅✅✅✅
Hospitalisation✅✅✅✅✅✅✅
Ambulance fees✅✅✅✅✅✅✅
Surgery, anaesthesia✅✅✅✅✅✅✅
Scans/CT/MRI£1,250 per cond.£1,500 per cond.£1,250 per year£1,500 per year£1,500 per year£1,500 per year£1,500 per year
Lab tests✅✅✅✅✅✅✅
RadiotherapyNCNCNCNCNCNCNC
Dentistry (accident)✅✅✅✅✅✅✅
Dentistry (illness)❌❌❌❌✅ (with annual vet check-up proof)✅ (with annual vet check-up proof)✅ (with annual vet check-up proof)
Descaling❌❌❌❌❌❌❌
Preventative care package❌❌❌❌❌❌❌
Complimentary therapies (acupuncture, etc.)£500/cond. (prescribed)£750/cond. (prescribed)£1,000/yr (prescribed)£1,500/yr (prescribed)£1,500/yr (prescribed)£1,500/yr (prescribed)£1,500/yr (prescribed)
Alternative food (therapeutic dietary)£100/cond. (max 60 days)£150/cond. (max 60 days)£200/yr (max 60 days)£250/yr (max 60 days)£250/yr (max 60 days)£250/yr (max 60 days)£250/yr (max 60 days)
Territories coveredUK + max 364d/yr abroadUK + max 364d/yr abroadUK + max 364d/yr abroadUK + max 364d/yr abroadUK + max 364d/yr abroadUK + max 364d/yr abroadUK + max 364d/yr abroad
Death/cremation (accident)£750/£100£1,000/£100£1,500/£100£2,000/£100£2,000/£100£2,000/£100£2,000/£100
Death/cremation (illness, £750/£100£1,000/£100£1,500/£100£2,000/£100£2,000/£100£2,000/£100£2,000/£100
EuthanasiaNCNCNCNCNCNCNC
Theft/loss and search costs£750/loss-£250/search£1,000/loss-£500/search£1,500/loss-£750/search£2,000/loss-£1,000/search£2,000/loss-£1,000/search£2,000/loss-£1,000/search£2,000/loss-£1,000/search
Boarding fees/emergency pet sitting£750 (max £20/day)£1,000 (max £20/day)£1,500 (max £20/day)£2,000 (max £20/day)£2,000 (max £20/day)£2,000 (max £20/day)£2,000 (max £20/day)
Holiday cancellation cover£750£1,000£1,500£2,000£2,000£2,000£2,000
Quarantine abroad❌❌£1,000£1,500£1,500£1,500£1,500
Behavioural treatment (accident only)£500/cond.£750/cond.£1,000/yr£1,000/yr£1,000/yr£1,500/yr£1,500/yr
Third Party Liability (dogs)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)£1,000,000 (£250 excess/claim)
Coverage details for Asda Pet Insurance plans (UK - 2024)
Formula positioning
Time Limited £2,000
Entry short-term cover, fixed per illness
Time Limited £5,000
Enhanced short-term cover, fixed per illness
Lifetime £2,000
Entry lifetime cover
Lifetime £4,000
Mid-tier lifetime cover
Lifetime £6,000
Lifetime with dental illness & high caps
Lifetime £8,000
Lifetime with dental illness, top caps
Lifetime £10,000
Lifetime with dental illness, max caps
Type of cover
Time Limited £2,000
Accident & illness, per condition 12 months
Time Limited £5,000
Accident & illness, per condition 12 months
Lifetime £2,000
Accident & illness, renewable each year
Lifetime £4,000
Accident & illness, renewable each year
Lifetime £6,000
Accident & illness, renewable each year
Lifetime £8,000
Accident & illness, renewable each year
Lifetime £10,000
Accident & illness, renewable each year
Animals covered
Time Limited £2,000
Cats & dogs
Time Limited £5,000
Cats & dogs
Lifetime £2,000
Cats & dogs
Lifetime £4,000
Cats & dogs
Lifetime £6,000
Cats & dogs
Lifetime £8,000
Cats & dogs
Lifetime £10,000
Cats & dogs
Vet fee reimbursement %
Time Limited £2,000
Up to 100% up to caps
Time Limited £5,000
Up to 100% up to caps
Lifetime £2,000
Up to 100% up to caps
Lifetime £4,000
Up to 100% up to caps
Lifetime £6,000
Up to 100% up to caps
Lifetime £8,000
Up to 100% up to caps
Lifetime £10,000
Up to 100% up to caps
Annual vet fees cap
Time Limited £2,000
£2,000 per condition, per year or 12 months
Time Limited £5,000
£5,000 per condition, per year or 12 months
Lifetime £2,000
£2,000 per year
Lifetime £4,000
£4,000 per year
Lifetime £6,000
£6,000 per year
Lifetime £8,000
£8,000 per year
Lifetime £10,000
£10,000 per year
Excess (per claim)
Time Limited £2,000
£100–£250 per condition/claim/animal/year
Time Limited £5,000
£100–£250 per condition/claim/animal/year
Lifetime £2,000
£100–£250 per condition/claim/animal/year
Lifetime £4,000
£100–£250 per condition/claim/animal/year
Lifetime £6,000
£100–£250 per condition/claim/animal/year
Lifetime £8,000
£100–£250 per condition/claim/animal/year
Lifetime £10,000
£100–£250 per condition/claim/animal/year
Min/max age to join – cats
Time Limited £2,000
From 8 weeks; max NC
Time Limited £5,000
From 8 weeks; max NC
Lifetime £2,000
From 8 weeks; max NC
Lifetime £4,000
From 8 weeks; max NC
Lifetime £6,000
From 8 weeks; max NC
Lifetime £8,000
From 8 weeks; max NC
Lifetime £10,000
From 8 weeks; max NC
Min/max age to join – dogs
Time Limited £2,000
From 8 weeks; max NC
Time Limited £5,000
From 8 weeks; max NC
Lifetime £2,000
From 8 weeks; max NC
Lifetime £4,000
From 8 weeks; max NC
Lifetime £6,000
From 8 weeks; max NC
Lifetime £8,000
From 8 weeks; max NC
Lifetime £10,000
From 8 weeks; max NC
Pre-insurance health questionnaire
Time Limited £2,000
NC
Time Limited £5,000
NC
Lifetime £2,000
NC
Lifetime £4,000
NC
Lifetime £6,000
NC
Lifetime £8,000
NC
Lifetime £10,000
NC
Illness waiting period
Time Limited £2,000
14 days
Time Limited £5,000
14 days
Lifetime £2,000
14 days
Lifetime £4,000
14 days
Lifetime £6,000
14 days
Lifetime £8,000
14 days
Lifetime £10,000
14 days
Accident waiting period
Time Limited £2,000
48 hours
Time Limited £5,000
48 hours
Lifetime £2,000
48 hours
Lifetime £4,000
48 hours
Lifetime £6,000
48 hours
Lifetime £8,000
48 hours
Lifetime £10,000
48 hours
Lifetime renewal guarantee (lifetime if policy kept)
Time Limited £2,000
❌
Time Limited £5,000
❌
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Vet consultations (incl. emergency)
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Medications
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Hospitalisation
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Ambulance fees
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Surgery, anaesthesia
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Scans/CT/MRI
Time Limited £2,000
£1,250 per cond.
Time Limited £5,000
£1,500 per cond.
Lifetime £2,000
£1,250 per year
Lifetime £4,000
£1,500 per year
Lifetime £6,000
£1,500 per year
Lifetime £8,000
£1,500 per year
Lifetime £10,000
£1,500 per year
Lab tests
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Radiotherapy
Time Limited £2,000
NC
Time Limited £5,000
NC
Lifetime £2,000
NC
Lifetime £4,000
NC
Lifetime £6,000
NC
Lifetime £8,000
NC
Lifetime £10,000
NC
Dentistry (accident)
Time Limited £2,000
✅
Time Limited £5,000
✅
Lifetime £2,000
✅
Lifetime £4,000
✅
Lifetime £6,000
✅
Lifetime £8,000
✅
Lifetime £10,000
✅
Dentistry (illness)
Time Limited £2,000
❌
Time Limited £5,000
❌
Lifetime £2,000
❌
Lifetime £4,000
❌
Lifetime £6,000
✅ (with annual vet check-up proof)
Lifetime £8,000
✅ (with annual vet check-up proof)
Lifetime £10,000
✅ (with annual vet check-up proof)
Descaling
Time Limited £2,000
❌
Time Limited £5,000
❌
Lifetime £2,000
❌
Lifetime £4,000
❌
Lifetime £6,000
❌
Lifetime £8,000
❌
Lifetime £10,000
❌
Preventative care package
Time Limited £2,000
❌
Time Limited £5,000
❌
Lifetime £2,000
❌
Lifetime £4,000
❌
Lifetime £6,000
❌
Lifetime £8,000
❌
Lifetime £10,000
❌
Complimentary therapies (acupuncture, etc.)
Time Limited £2,000
£500/cond. (prescribed)
Time Limited £5,000
£750/cond. (prescribed)
Lifetime £2,000
£1,000/yr (prescribed)
Lifetime £4,000
£1,500/yr (prescribed)
Lifetime £6,000
£1,500/yr (prescribed)
Lifetime £8,000
£1,500/yr (prescribed)
Lifetime £10,000
£1,500/yr (prescribed)
Alternative food (therapeutic dietary)
Time Limited £2,000
£100/cond. (max 60 days)
Time Limited £5,000
£150/cond. (max 60 days)
Lifetime £2,000
£200/yr (max 60 days)
Lifetime £4,000
£250/yr (max 60 days)
Lifetime £6,000
£250/yr (max 60 days)
Lifetime £8,000
£250/yr (max 60 days)
Lifetime £10,000
£250/yr (max 60 days)
Territories covered
Time Limited £2,000
UK + max 364d/yr abroad
Time Limited £5,000
UK + max 364d/yr abroad
Lifetime £2,000
UK + max 364d/yr abroad
Lifetime £4,000
UK + max 364d/yr abroad
Lifetime £6,000
UK + max 364d/yr abroad
Lifetime £8,000
UK + max 364d/yr abroad
Lifetime £10,000
UK + max 364d/yr abroad
Death/cremation (accident)
Time Limited £2,000
£750/£100
Time Limited £5,000
£1,000/£100
Lifetime £2,000
£1,500/£100
Lifetime £4,000
£2,000/£100
Lifetime £6,000
£2,000/£100
Lifetime £8,000
£2,000/£100
Lifetime £10,000
£2,000/£100
Death/cremation (illness,
Time Limited £2,000
£750/£100
Time Limited £5,000
£1,000/£100
Lifetime £2,000
£1,500/£100
Lifetime £4,000
£2,000/£100
Lifetime £6,000
£2,000/£100
Lifetime £8,000
£2,000/£100
Lifetime £10,000
£2,000/£100
Euthanasia
Time Limited £2,000
NC
Time Limited £5,000
NC
Lifetime £2,000
NC
Lifetime £4,000
NC
Lifetime £6,000
NC
Lifetime £8,000
NC
Lifetime £10,000
NC
Theft/loss and search costs
Time Limited £2,000
£750/loss-£250/search
Time Limited £5,000
£1,000/loss-£500/search
Lifetime £2,000
£1,500/loss-£750/search
Lifetime £4,000
£2,000/loss-£1,000/search
Lifetime £6,000
£2,000/loss-£1,000/search
Lifetime £8,000
£2,000/loss-£1,000/search
Lifetime £10,000
£2,000/loss-£1,000/search
Boarding fees/emergency pet sitting
Time Limited £2,000
£750 (max £20/day)
Time Limited £5,000
£1,000 (max £20/day)
Lifetime £2,000
£1,500 (max £20/day)
Lifetime £4,000
£2,000 (max £20/day)
Lifetime £6,000
£2,000 (max £20/day)
Lifetime £8,000
£2,000 (max £20/day)
Lifetime £10,000
£2,000 (max £20/day)
Holiday cancellation cover
Time Limited £2,000
£750
Time Limited £5,000
£1,000
Lifetime £2,000
£1,500
Lifetime £4,000
£2,000
Lifetime £6,000
£2,000
Lifetime £8,000
£2,000
Lifetime £10,000
£2,000
Quarantine abroad
Time Limited £2,000
❌
Time Limited £5,000
❌
Lifetime £2,000
£1,000
Lifetime £4,000
£1,500
Lifetime £6,000
£1,500
Lifetime £8,000
£1,500
Lifetime £10,000
£1,500
Behavioural treatment (accident only)
Time Limited £2,000
£500/cond.
Time Limited £5,000
£750/cond.
Lifetime £2,000
£1,000/yr
Lifetime £4,000
£1,000/yr
Lifetime £6,000
£1,000/yr
Lifetime £8,000
£1,500/yr
Lifetime £10,000
£1,500/yr
Third Party Liability (dogs)
Time Limited £2,000
£1,000,000 (£250 excess/claim)
Time Limited £5,000
£1,000,000 (£250 excess/claim)
Lifetime £2,000
£1,000,000 (£250 excess/claim)
Lifetime £4,000
£1,000,000 (£250 excess/claim)
Lifetime £6,000
£1,000,000 (£250 excess/claim)
Lifetime £8,000
£1,000,000 (£250 excess/claim)
Lifetime £10,000
£1,000,000 (£250 excess/claim)
Coverage details for Asda Pet Insurance plans (UK - 2024)
ExclusionsDetails
Medical exclusions
  • Pre-existing illnesses or symptoms
  • Illnesses or accidents occurring within the waiting period (14 days for illness, 48h for accident)
  • Treatments without a veterinary prescription
  • Preventive, cosmetic, or unjustified treatments
  • Dental illness (except Lifetime £6k/£8k/£10k plans, and subject to annual check-ups)
  • Failure to comply with compulsory vaccinations/flea/worming regimes
  • Treatments outside of approved limits or without justification
Age and breed restrictions
  • Pets under 8 weeks at sign-up
  • Pets over 7 years for certain covers (death, cremation by illness)
  • Banned, listed, or aggressive breeds and their crossbreeds
  • Animals with previous aggression history
Use and identification exclusions
  • Animals used for commercial purposes (breeding more than two litters, working, racing, sporting, professional activities)
  • Animals without valid microchip/passport as required
  • Policy void if premium unpaid or false statements
  • No cover if animal used for monetary gain
Geographical/territorial
  • Incidents outside the UK unless falling under temporary travel clause (up to 364 days, proof of return required)
  • Third party claims excluded for incidents in forbidden countries (e.g., USA, Canada)
  • Costs arising from travel quarantine only covered on selected Lifetime plans
Third party liability (Dogs only)
  • Incidents involving owner’s family or employees
  • Acts of wilful negligence, misconduct, or malicious intent
  • Claims arising during uncovered policy periods or after cancellation/lapse
  • No cover for pollution or contamination except limited accidental cases
Policy/administrative exclusions
  • Claims covered by another insurance
  • War, terrorism, pandemic/epidemic events
  • Non-compliance with legislation or contractual obligations
  • Fraud, multiple unpaid premiums, or if more than two litters bred during policy
Main exclusions in Asda Pet Insurance policies and their details.
Medical exclusions
Details
  • Pre-existing illnesses or symptoms
  • Illnesses or accidents occurring within the waiting period (14 days for illness, 48h for accident)
  • Treatments without a veterinary prescription
  • Preventive, cosmetic, or unjustified treatments
  • Dental illness (except Lifetime £6k/£8k/£10k plans, and subject to annual check-ups)
  • Failure to comply with compulsory vaccinations/flea/worming regimes
  • Treatments outside of approved limits or without justification
Age and breed restrictions
Details
  • Pets under 8 weeks at sign-up
  • Pets over 7 years for certain covers (death, cremation by illness)
  • Banned, listed, or aggressive breeds and their crossbreeds
  • Animals with previous aggression history
Use and identification exclusions
Details
  • Animals used for commercial purposes (breeding more than two litters, working, racing, sporting, professional activities)
  • Animals without valid microchip/passport as required
  • Policy void if premium unpaid or false statements
  • No cover if animal used for monetary gain
Geographical/territorial
Details
  • Incidents outside the UK unless falling under temporary travel clause (up to 364 days, proof of return required)
  • Third party claims excluded for incidents in forbidden countries (e.g., USA, Canada)
  • Costs arising from travel quarantine only covered on selected Lifetime plans
Third party liability (Dogs only)
Details
  • Incidents involving owner’s family or employees
  • Acts of wilful negligence, misconduct, or malicious intent
  • Claims arising during uncovered policy periods or after cancellation/lapse
  • No cover for pollution or contamination except limited accidental cases
Policy/administrative exclusions
Details
  • Claims covered by another insurance
  • War, terrorism, pandemic/epidemic events
  • Non-compliance with legislation or contractual obligations
  • Fraud, multiple unpaid premiums, or if more than two litters bred during policy
Main exclusions in Asda Pet Insurance policies and their details.
FormulaTime Limited £2,000Time Limited £5,000Lifetime £2,000Lifetime £4,000Lifetime £6,000Lifetime £8,000Lifetime £10,000
Young cat (2–4 yrs)£7£10£12£14£18£22£27
Senior cat (7–8 yrs)£14£18£19£23£28£35£42
Small breed dog£11£16£17£23£29£36£44
Small breed dog (2–4 yrs)£11£15£16£21£28£34£41
Large breed dog (2–4 yrs)£14£22£21£29£36£45£54
Senior dog (7–8 yrs)£23£32£31£41£52£63£75
Indicative monthly premiums for Asda Pet Insurance policies by formula and pet profile (£/month).
Young cat (2–4 yrs)
Time Limited £2,000
£7
Time Limited £5,000
£10
Lifetime £2,000
£12
Lifetime £4,000
£14
Lifetime £6,000
£18
Lifetime £8,000
£22
Lifetime £10,000
£27
Senior cat (7–8 yrs)
Time Limited £2,000
£14
Time Limited £5,000
£18
Lifetime £2,000
£19
Lifetime £4,000
£23
Lifetime £6,000
£28
Lifetime £8,000
£35
Lifetime £10,000
£42
Small breed dog
Time Limited £2,000
£11
Time Limited £5,000
£16
Lifetime £2,000
£17
Lifetime £4,000
£23
Lifetime £6,000
£29
Lifetime £8,000
£36
Lifetime £10,000
£44
Small breed dog (2–4 yrs)
Time Limited £2,000
£11
Time Limited £5,000
£15
Lifetime £2,000
£16
Lifetime £4,000
£21
Lifetime £6,000
£28
Lifetime £8,000
£34
Lifetime £10,000
£41
Large breed dog (2–4 yrs)
Time Limited £2,000
£14
Time Limited £5,000
£22
Lifetime £2,000
£21
Lifetime £4,000
£29
Lifetime £6,000
£36
Lifetime £8,000
£45
Lifetime £10,000
£54
Senior dog (7–8 yrs)
Time Limited £2,000
£23
Time Limited £5,000
£32
Lifetime £2,000
£31
Lifetime £4,000
£41
Lifetime £6,000
£52
Lifetime £8,000
£63
Lifetime £10,000
£75
Indicative monthly premiums for Asda Pet Insurance policies by formula and pet profile (£/month).
Asda promo codesDetails
Multi-Pet DiscountUp to 10% off when insuring two or more pets
Code HelloSafe-5% on your quote
List of current Asda pet insurance promo codes.
Multi-Pet Discount
Details
Up to 10% off when insuring two or more pets
Code HelloSafe
Details
-5% on your quote
List of current Asda pet insurance promo codes.
Assistance AsdaDisponible ?Détails
Advance of costs❌No system such as Payvet, Carecredit, or Petcard is available. Direct vet payment is possible if the practice agrees, but most owners need to pay first and claim reimbursement.
Payment facilities❌Monthly payments by Direct Debit are allowed with no extra fee. No 3- or 4-installment payment facility or one-off vet bill financing option is indicated.
Mobile app❌No proprietary Asda Pet Insurance app exists. The Joii Pet Care app enables 24/7 vet consultation and nurse clinics but cannot manage policies or claims.
Dematerialised claim management✅Claims are filed via web portal, email, or by phone. Customers and vets have dedicated online forms for claim submission. There is no fully integrated mobile claim submission.
Vet emergency✅24/7 vet advice by video or chat is available via the Joii app. No in-person emergency vet locator or guaranteed appointment booking, but advice covers both urgent and routine care.
Clinical and vet partner network❌No preferred or contracted clinical network is managed by Asda, so policyholders can use any UK-registered vet practice.
Overseas cover✅Vet expenses are covered abroad in PETS-compliant countries for up to 364 days per year. No cover for permanent expatriation; quarantine is covered under Lifetime policies only.
Summary of Asda Pet Insurance assistance features and availability
Advance of costs
Disponible ?
❌
Détails
No system such as Payvet, Carecredit, or Petcard is available. Direct vet payment is possible if the practice agrees, but most owners need to pay first and claim reimbursement.
Payment facilities
Disponible ?
❌
Détails
Monthly payments by Direct Debit are allowed with no extra fee. No 3- or 4-installment payment facility or one-off vet bill financing option is indicated.
Mobile app
Disponible ?
❌
Détails
No proprietary Asda Pet Insurance app exists. The Joii Pet Care app enables 24/7 vet consultation and nurse clinics but cannot manage policies or claims.
Dematerialised claim management
Disponible ?
✅
Détails
Claims are filed via web portal, email, or by phone. Customers and vets have dedicated online forms for claim submission. There is no fully integrated mobile claim submission.
Vet emergency
Disponible ?
✅
Détails
24/7 vet advice by video or chat is available via the Joii app. No in-person emergency vet locator or guaranteed appointment booking, but advice covers both urgent and routine care.
Clinical and vet partner network
Disponible ?
❌
Détails
No preferred or contracted clinical network is managed by Asda, so policyholders can use any UK-registered vet practice.
Overseas cover
Disponible ?
✅
Détails
Vet expenses are covered abroad in PETS-compliant countries for up to 364 days per year. No cover for permanent expatriation; quarantine is covered under Lifetime policies only.
Summary of Asda Pet Insurance assistance features and availability
Review siteRating and number of reviews
Trustpilot4.6/5 (8,410 reviews)
Summary of Asda pet insurance ratings from review platforms
Trustpilot
Rating and number of reviews
4.6/5 (8,410 reviews)
Summary of Asda pet insurance ratings from review platforms
Service client AsdaDétails
To get a quote or subscribe onlineYou can use HelloSafe's pet insurance comparator, choose the plan that fits you and click to get a quote.
To request and track a reimbursement
  • Declare your claim online via the Asda client form or ask your vet to complete the dedicated form.
  • You can also contact Asda Pet Insurance:
    • Phone: 0333 999 0933 (Mon-Fri 8am-8pm, Sat 9am-2pm)
    • Email: customerqueries@insurancefactory.co.uk
    • Mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Attach original documents: detailed invoice, veterinary certificate, proof of ownership, documents related to the claim.
  • Deadline to declare: ideally within 180 days.
  • Reimbursement generally within 10 to 20 working days after approval.
  • Payment by bank transfer, sometimes directly to the vet if agreed.
To get an insurance certificate
  • Request by phone at 0333 999 0933 (Mon-Fri 8am-8pm, Sat 9am-2pm)
  • Or by email at customerqueries@insurancefactory.co.uk
  • Or via mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Specify your contract number and the reason (e.g., for dog club, travel, etc.).
  • The certificate is generally sent to you within a few working days by email or mail.
To contact assistance
  • For veterinary medical advice: use the Joii Pet Care app (24/7, free for insured clients).
  • For any assistance or administrative emergency:
    • Phone: 0333 999 0933 (standard hours)
    • Email: customerqueries@insurancefactory.co.uk
  • For a complaint or dispute: write to the official mailing address (see above) to the attention of the Complaints Manager.
  • For specific support (e.g., pet bereavement), 24/7 support line included.
To cancel my contract
  • Notify Asda Pet Insurance by mail or email:
    • Email: customerqueries@insurancefactory.co.uk
    • Mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Include: your contact details, insurance number, desired cancellation date.
  • Attach a copy of your ID if required.
  • Recommended notice: at least 14 days (no penalty if no claim declared).
  • If no claim reimbursed: prorated refund for unused period.
  • Cancellation confirmation generally within 7 to 14 working days.
Contact methods, procedures and details for Asda Pet Insurance customer service.
To get a quote or subscribe online
Détails
You can use HelloSafe's pet insurance comparator, choose the plan that fits you and click to get a quote.
To request and track a reimbursement
Détails
  • Declare your claim online via the Asda client form or ask your vet to complete the dedicated form.
  • You can also contact Asda Pet Insurance:
    • Phone: 0333 999 0933 (Mon-Fri 8am-8pm, Sat 9am-2pm)
    • Email: customerqueries@insurancefactory.co.uk
    • Mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Attach original documents: detailed invoice, veterinary certificate, proof of ownership, documents related to the claim.
  • Deadline to declare: ideally within 180 days.
  • Reimbursement generally within 10 to 20 working days after approval.
  • Payment by bank transfer, sometimes directly to the vet if agreed.
To get an insurance certificate
Détails
  • Request by phone at 0333 999 0933 (Mon-Fri 8am-8pm, Sat 9am-2pm)
  • Or by email at customerqueries@insurancefactory.co.uk
  • Or via mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Specify your contract number and the reason (e.g., for dog club, travel, etc.).
  • The certificate is generally sent to you within a few working days by email or mail.
To contact assistance
Détails
  • For veterinary medical advice: use the Joii Pet Care app (24/7, free for insured clients).
  • For any assistance or administrative emergency:
    • Phone: 0333 999 0933 (standard hours)
    • Email: customerqueries@insurancefactory.co.uk
  • For a complaint or dispute: write to the official mailing address (see above) to the attention of the Complaints Manager.
  • For specific support (e.g., pet bereavement), 24/7 support line included.
To cancel my contract
Détails
  • Notify Asda Pet Insurance by mail or email:
    • Email: customerqueries@insurancefactory.co.uk
    • Mail: ASDA Pet Insurance, 2nd Floor, 5000 Lakeside, North Harbour, Portsmouth, PO6 3EN
  • Include: your contact details, insurance number, desired cancellation date.
  • Attach a copy of your ID if required.
  • Recommended notice: at least 14 days (no penalty if no claim declared).
  • If no claim reimbursed: prorated refund for unused period.
  • Cancellation confirmation generally within 7 to 14 working days.
Contact methods, procedures and details for Asda Pet Insurance customer service.
Charlotte Green
Finance content specialist
Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.

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