Is Asda Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Asda
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
- ✅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
- ✅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
- ✅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)
Guarantee | Time Limited £2,000 | Time Limited £5,000 | Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 | Lifetime £8,000 | Lifetime £10,000 |
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Formula positioning | Entry short-term cover, fixed per illness | Enhanced short-term cover, fixed per illness | Entry lifetime cover | Mid-tier lifetime cover | Lifetime with dental illness & high caps | Lifetime with dental illness, top caps | Lifetime with dental illness, max caps |
Type of cover | Accident & illness, per condition 12 months | Accident & illness, per condition 12 months | Accident & illness, renewable each year | Accident & illness, renewable each year | Accident & illness, renewable each year | Accident & illness, renewable each year | Accident & illness, renewable each year |
Animals covered | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs | Cats & dogs |
Vet fee reimbursement % | Up to 100% up to caps | Up to 100% up to caps | Up to 100% up to caps | Up to 100% up to caps | Up to 100% up to caps | Up to 100% up to caps | Up 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 – cats | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC |
Min/max age to join – dogs | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC | From 8 weeks; max NC |
Pre-insurance health questionnaire | NC | NC | NC | NC | NC | NC | NC |
Illness waiting period | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days |
Accident waiting period | 48 hours | 48 hours | 48 hours | 48 hours | 48 hours | 48 hours | 48 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 | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
Radiotherapy | NC | NC | NC | NC | NC | NC | NC |
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 covered | UK + max 364d/yr abroad | UK + max 364d/yr abroad | UK + max 364d/yr abroad | UK + max 364d/yr abroad | UK + max 364d/yr abroad | UK + max 364d/yr abroad | UK + 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 |
Euthanasia | NC | NC | NC | NC | NC | NC | NC |
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) |
Exclusions | Details |
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Medical exclusions |
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Age and breed restrictions |
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Use and identification exclusions |
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Geographical/territorial |
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Third party liability (Dogs only) |
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Policy/administrative exclusions |
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- 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
- 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
- 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
- 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
- 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
- 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
Formula | Time Limited £2,000 | Time Limited £5,000 | Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 | Lifetime £8,000 | Lifetime £10,000 |
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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 |
Asda promo codes | Details |
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Multi-Pet Discount | Up to 10% off when insuring two or more pets |
Code HelloSafe | -5% on your quote |
Assistance Asda | Disponible ? | Détails |
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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. |
Review site | Rating and number of reviews |
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Trustpilot | 4.6/5 (8,410 reviews) |
Service client Asda | Détails |
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To get a quote or subscribe online | 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 |
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To get an insurance certificate |
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To contact assistance |
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To cancel my contract |
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- 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.
- 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.
- 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.
- 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.