Is Aviva Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Aviva
Aviva Pet Insurance stands as a prominent provider in the UK, offering three coverage levels—Silver, Gold, and Platinum—tailored to a variety of pet owners’ needs. Annual veterinary fee limits range from £1,500 up to £6,500, with additional benefits like liability insurance (£1 million for dogs), theft and loss cover (from Gold), and support for kennel costs and holiday cancellations in the upper tiers. Each claim is subject to an annual excess, with a 15% co-payment for pets aged 7 and above; preventive care remains excluded, aligning Aviva’s offering with UK standards. In terms of pricing, Aviva positions itself as a mid-market solution, more comprehensive than most entry-level brands but less costly than specialist high-end providers. The policy suits responsible owners of young or middle-aged dogs and cats, including those seeking robust cover for purebred animals or higher-value pets, and especially those wanting a wide choice of extras without committing to vet-restricted contracts. Aviva Insurance Limited, a long-standing FCA-authorised institution, manages substantial business volumes in the UK, ensuring strong claims reliability; their Trustpilot score hovers around 4.0/5 from well over 2,000 reviews. Most reimbursements, when all documents are complete, are handled within market-average timeframes of 10–30 days.
- Three clear coverage levels, up to £6,500 per year
- Liability cover up to £1 million for dogs included
- Cover for theft, loss, boarding fees, and holiday cancellations (Gold/Platinum)
- Direct payment to vets possible by agreement
- Flexible for young or senior pets as long as continuously insured
- Extension to cover vet fees abroad within PETS scheme
- Trusted, FCA-regulated insurer with strong consumer feedback
- No reimbursement for routine care or vaccinations
- Annual excess applies per condition, may add up
- 15% co-payment added from age 7
- Strict exclusion of pre-existing conditions
- No cover for certain specialist or preventive treatments
- Aviva Guarantees
- Aviva exclusions
- Aviva rates
- Aviva Assistance
- Customer feedback on Aviva
- How to contact Aviva?
- FAQ
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At HelloSafe, our pet insurance expert thoroughly reviews the terms and pricing of 34 insurance policies available on the UK market every year. This ensures that we provide you with reliable and impartial analysis. Thanks to this commitment to quality, hundreds of thousands of users in the UK trust us every month to support them with their most important financial decisions. undefined
Aviva Guarantees
Aviva proposes three pet insurance plans—Silver, Gold and Platinum—each offering comprehensive accident and illness cover, but with increasing annual veterinary reimbursement limits (£1,500, £3,500, and £6,500 respectively) and optional enhancements. Dental cover is included under conditions, and alternative therapies are covered if prescribed, showcasing Aviva’s broad approach compared to typical UK policies. Notable strengths include year-on-year insurability for pets already insured with no upper age limit at renewal, cover for loss/theft (Gold/Platinum), and third-party liability up to £1M for dogs. However, exclusions on routine/preventive care (vaccinations, neutering), annual excess per condition, age-linked co-payment from 7 years old, and limits for deaths of older pets or under Silver, are key gaps. Aviva’s standout is its clear, multi-tier structure with useful add-ons, but lacks real preventive/prophylactic reimbursements and lifetime cover for newly-joining older pets.
| Name of Guarantee | Silver plan | Gold plan | Platinum plan |
|---|---|---|---|
| Plan positioning | Entry-level cover for essentials | Balanced protection, higher limits, additional services | Premium, high limits and most comprehensive benefits |
| Type of cover | Illness and accident | Illness and accident | Illness and accident |
| Animals covered | Dogs and cats resident in the UK | Dogs and cats resident in the UK | Dogs and cats resident in the UK |
| Reimbursement rate (%) | 100% after annual excess and co-payment if senior | 100% after annual excess and co-payment if senior | 100% after annual excess and co-payment if senior |
| Annual vet fee limit | £1,500 per policy year | £3,500 per policy year | £6,500 per policy year |
| Annual/per claim excess | Amount as per schedule, per illness, once per year | Amount as per schedule, per illness, once per year | Amount as per schedule, per illness, once per year |
| Min/max age for subscription (dogs) | From 8 weeks, under 9 years at start | From 8 weeks, under 9 years at start | From 8 weeks, under 9 years at start |
| Min/max age for subscription (cats) | From 8 weeks, under 11 years at start | From 8 weeks, under 11 years at start | From 8 weeks, under 11 years at start |
| Health questionnaire required? | No | No | No |
| Waiting period for illness | 10 days from policy start | 10 days from policy start | 10 days from policy start |
| Waiting period for accident | Immediate cover | Immediate cover | Immediate cover |
| Lifetime cover once insured? | Yes, if continuously renewed | Yes, if continuously renewed | Yes, if continuously renewed |
| Average reimbursement delay | Not specified (usually within 15-30 days) | Not specified (usually within 15-30 days) | Not specified (usually within 15-30 days) |
| Vet consultations (routine/emergency) | Covered within annual limit after excess | Covered within annual limit after excess | Covered within annual limit after excess |
| Prescription medicines | Covered if due to covered illness/accident | Covered if due to covered illness/accident | Covered if due to covered illness/accident |
| Hospitalisation | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Ambulance fees | Covered if medically prescribed | Covered if medically prescribed | Covered if medically prescribed |
| Surgery, anaesthesia | Covered as required for illness/accident | Covered as required for illness/accident | Covered as required for illness/accident |
| CT scans, MRI, ultrasound | Covered if medically necessary within annual limit | Covered if medically necessary within annual limit | Covered if medically necessary within annual limit |
| Laboratory tests | Covered if prescribed by vet | Covered if prescribed by vet | Covered if prescribed by vet |
| Radiotherapy | Covered within annual vet limit | Covered within annual vet limit | Covered within annual vet limit |
| Dental care | Accident only, or disease after 2 years’ insurance + regular checks | Accident only, or disease after 2 years’ insurance + regular checks | Accident only, or disease after 2 years’ insurance + regular checks |
| Descaling (détartrage) | Not covered unless due to accident/injury | Not covered unless due to accident/injury | Not covered unless due to accident/injury |
| Vaccinations (mandatory/non-mandatory) | Not covered | Not covered | Not covered |
| Antiparasitics/worming | Not covered | Not covered | Not covered |
| Sterilisation/neutering (dog/cat) | Not covered | Not covered | Not covered |
| Identification/microchipping fees | Not covered | Not covered | Not covered |
| Hygiene products | Not covered | Not covered | Not covered |
| Alternative therapies | Covered if prescribed (e.g. acupuncture, hydrotherapy, physiotherapy) | Covered if prescribed | Covered if prescribed |
| Overseas cover | Up to 6 months/year in PETS Travel Scheme countries or Ireland | Up to 6 months/year in PETS Travel Scheme countries or Ireland | Up to 6 months/year in PETS Travel Scheme countries or Ireland |
| Death/cremation fees | £100 cremation (death not covered) | £100 cremation, death covered up to £500 | £100 cremation, death covered up to £1,000 |
| Euthanasia | Covered if prescribed due to illness/accident | Covered if prescribed due to illness/accident | Covered if prescribed due to illness/accident |
| Theft/loss of animal | Not covered | Advertising: £250; Reward: £250; Value: £500 | Advertising: £750; Reward: £250; Value: £1,000 |
| Boarding fees (owner’s hospitalisation) | Not covered | Up to £500 per year | Up to £1,000 per year |
| Third party liability (dogs only) | Up to £1,000,000 per claim, £100 excess | Up to £1,000,000 per claim, £100 excess | Up to £1,000,000 per claim, £100 excess |
| Holiday cancellation | Not covered | Up to £1,000 | Up to £2,000 |
- Senior pets (≥7 years): 15% co-payment applies after excess.
- Pre-existing conditions, preventive/routine care, and pregnancy-related expenses are not covered.
- Dentistry for disease covered after 2 years’ uninterrupted insurance with proof of annual vet checks.
- No cover for Dangerous Dogs Act breeds or pets living abroad >6 months.
Aviva exclusions
Aviva enforces a typically strict exclusions policy regarding pre-existing illnesses and conditions. The company goes further by explicitly excluding any coverage for death by illness in dogs over 9 years old and cats over 11, as well as for any animal under the Silver plan—a more restrictive approach than the industry standard.
Coverage automatically ceases if stays abroad exceed 6 months, which limits protection for expatriations or long trips, whereas some competitors tolerate longer periods.
Any change in the animal's status (sale, sterilization, change of use or country of residence) requires strict declaration and may result in contract renewal with retroactive exclusion of any previously contracted condition.
It should also be noted that claims involving fraud, inaccurate statements, or failure to comply with health regulations (vaccinations, annual check-ups) are systematically refused.
Finally, Aviva excludes any compensation in the event of theft or loss occurring outside the UK or if research/replacement expenses have not been pre-approved—reinforcing control over these specific risks.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing illnesses and conditions - Preventive veterinary care and routine care (vaccinations, sterilization, scaling except after accident, non-prescription diet) - Pre-existing illnesses not declared after plan change - Death by illness: dogs >9 years old, cats >11 years old, all breeds under Silver plan - Care due to missing vaccination or lack of annual check-up - Alternative treatments not recognized by Aviva - Care or compensation for animals not named in the contract |
| Geographical exclusions | - Any claim or expense during a stay >6 months/year outside the UK or PETS Scheme countries - Theft/loss: No compensation if lost/stolen outside UK - Owner’s hospitalization abroad (boarding not covered) |
| Exclusions related to identification and animal status | - Animals not identified/without eligible profile or age - Dog that must be declared under the Dangerous Dogs Act - Animal used for commercial purposes, racing, or guarding - Failure to report administrative changes (sale, death, sterilization, moving) |
| Behavioral & liability exclusions | - Civil liability excluded for disease transmission by the animal, damages to household members or employees - Claims already covered by another insurance - Incidents caused intentionally or by gross negligence of policyholder/family |
| Regulatory, fraud & force majeure exclusions | - Definitive refusal in case of fraud, attempt or false statement - Claims following breach of local health/quarantine regulations - Conditions not met for claims/reporting timeframe - War, acts of terrorism, nuclear, radiation, etc. |
- Preventive veterinary care and routine care (vaccinations, sterilization, scaling except after accident, non-prescription diet)
- Pre-existing illnesses not declared after plan change
- Death by illness: dogs >9 years old, cats >11 years old, all breeds under Silver plan
- Care due to missing vaccination or lack of annual check-up
- Alternative treatments not recognized by Aviva
- Care or compensation for animals not named in the contract
- Theft/loss: No compensation if lost/stolen outside UK
- Owner’s hospitalization abroad (boarding not covered)
- Dog that must be declared under the Dangerous Dogs Act
- Animal used for commercial purposes, racing, or guarding
- Failure to report administrative changes (sale, death, sterilization, moving)
- Claims already covered by another insurance
- Incidents caused intentionally or by gross negligence of policyholder/family
- Claims following breach of local health/quarantine regulations
- Conditions not met for claims/reporting timeframe
- War, acts of terrorism, nuclear, radiation, etc.
Aviva rates
Aviva adopts a clearly median to slightly higher price positioning, mainly justified by high reimbursement limits, an expanded range of coverage from the intermediate formula (Gold) and broad support for many costly items (holiday cancellation, theft, boarding, death, assistance).
Annual limits can reach £6,500 on the Platinum plan, along with robust liability coverage (£1M), bringing Aviva close to high-end benchmarks, even if some premium benefits (prevention, dental care outside accidents, complete absence of waiting period, absence of senior exclusions) are missing.
The level of deductible, common exclusions (preventive, dental management outside accident) and the surcharge on deductibles for seniors however limit the economic interest of upper formulas compared to certain pure players.
The hybrid management (not a 100% digital insurtech, but extended phone services) positions Aviva between traditional players and pure players, which explains tariffs in line with the service quality expected from a traditional insurer.
In short, Aviva targets customers seeking flexibility and broad coverage, willing to pay a bit more than a purely digital player but without reaching the premium levels of the market’s most luxurious plans.
| Silver | Gold | Platinum | |
|---|---|---|---|
| Young cat (2 - 4 years) | £12/month | £18/month | £25/month |
| Older cat (7 - 8 years) | £15/month | £22/month | £32/month |
| Small breed dog | £14/month | £21/month | £29/month |
| Small breed dog (2 - 4 years) | £13/month | £19/month | £27/month |
| Large breed dog (2 - 4 years) | £16/month | £24/month | £34/month |
| Senior dog (7 - 8 years) | £21/month | £31/month | £44/month |
Aviva promo codes
| Aviva Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our pet insurance comparison.
How much will I be reimbursed with Aviva?
| Soin | Prix moyen (£) | Remboursement & reste à charge Silver | Remboursement & reste à charge Gold | Remboursement & reste à charge Platinum |
|---|---|---|---|---|
| Consultation vétérinaire pour maladie | £45 | Remboursé £0 Reste à charge : £45 | Remboursé £45 - franchise* Reste à charge : franchise* | Remboursé £45 - franchise* Reste à charge : franchise* |
| Stérilisation / castration | £180 | Non remboursé Reste à charge : £180 | Non remboursé Reste à charge : £180 | Non remboursé Reste à charge : £180 |
| Vaccins annuels | £60 | Non remboursé Reste à charge : £60 | Non remboursé Reste à charge : £60 | Non remboursé Reste à charge : £60 |
| Fracture : chirurgie & hospitalisation | £1,200 | Remboursement jusqu'à £1,200 - franchise* Reste à charge : franchise* (si plafond non dépassé) | Remboursement jusqu'à £1,200 - franchise* Reste à charge : franchise* (si plafond non dépassé) | Remboursement jusqu'à £1,200 - franchise* Reste à charge : franchise* (si plafond non dépassé) |
| Dévitalisation dentaire suite accident | £350 | Remboursé £350 - franchise* Reste à charge : franchise* | Remboursé £350 - franchise* Reste à charge : franchise* | Remboursé £350 - franchise* Reste à charge : franchise* |
Reste à charge : £45
Reste à charge : franchise*
Reste à charge : franchise*
Reste à charge : £180
Reste à charge : £180
Reste à charge : £180
Reste à charge : £60
Reste à charge : £60
Reste à charge : £60
Reste à charge : franchise* (si plafond non dépassé)
Reste à charge : franchise* (si plafond non dépassé)
Reste à charge : franchise* (si plafond non dépassé)
Reste à charge : franchise*
Reste à charge : franchise*
Reste à charge : franchise*
*Franchise (excess) is an annual deductible that may vary depending on your policy conditions. Check your Schedule for exact details. For pets over 7 years old, an additional 15% of the remaining amount after the deductible is also charged.
Preventative treatments (sterilisation, vaccinations) are never reimbursed. For all other treatments, Aviva covers up to the annual policy limit, after applying the deductible.
Aviva Assistance
Aviva assistance stands out thanks to a 24/7 helpline offering legal and veterinary advice as well as bereavement support, appreciated elements that help owners in emotionally and legally complex situations.
A service to connect with approved pet minders and assistance in locating a veterinarian while traveling in the United Kingdom is also offered, but is charged to the client, which may limit its use.
The notable absence of veterinary teleconsultation, a network of partner clinics, or any real advance payment solution like Payvet reduces emergency responsiveness and daily management fluidity.
Reimbursements are managed via paper forms and postal mail, with no digitized client area or recognized mobile application, which delays and complicates the process compared to current market standards.
Overseas coverage is limited to six months per year in PETS Travel Scheme countries or Ireland, excluding any protection for expatriation or long stays outside of the UK.
| Assistance Aviva | Available? | Details |
|---|---|---|
| Advance payment | No advance payment service like Payvet. Direct payment to the vet is only possible with their agreement, but this is rare and must be initiated by the client. | |
| Payment facilities | 1a | Monthly payment is possible, provided any account change is reported. No information available about installment payments without fees. |
| Mobile application | No dedicated pet insurance mobile application, nor management via smartphone. No user-friendliness feedback or referenced user rating. | |
| Paperless reimbursement management | Management via paper form to be filled out, with supporting documents to be sent by mail. No client area or simple online solution offered. | |
| Veterinary emergency | No dedicated veterinary emergency service or 24/7 teleconsultation. The helpline is limited to bereavement assistance and legal advice. | |
| Vet and clinic network | Does not offer a network of clinics or partner veterinarians. Only occasional assistance in finding a vet while travelling in the United Kingdom. | |
| Overseas coverage | 1a | Coverage provided for up to six months per year in PETS Travel Scheme countries or Ireland. Exclusion applies for stays over six months or outside PETS zone. |
Customer feedback on Aviva
| Site d'avis | Note et nombre d'avis |
|---|---|
| Trustpilot | 3.9/5 (plus de 1 400 avis) |
| Defaqto | 4/5 (plus de 250 avis) |
| Feefo | 4.2/5 (plus de 180 avis) |
The policyholders who chose Aviva Pet Insurance most often highlight the following positive points. A wide range of coverage levels is available, with customers appreciating the flexibility between Silver, Gold and Platinum options, as well as the clarity of contract terms. The inclusion of cover for accident, illness, loss/theft, liability and even boarding or holiday cancellation is generally well received. The direct payment option for vets is reported as very practical. The presence of a 24/7 helpline, as well as support services for bereavement or legal questions, is often mentioned as a reassuring addition. A relatively smooth claims process and the ability to track claim status online are frequently noted as advantages, making administration easier for many owners. A competitive limit on annual veterinary cover, especially on the upper-tier plans, is also praised when compared with some competitors.
Among the negative feedback, an important number of users report dissatisfaction with the amount of exclusions and limitations, particularly regarding routine or preventive care, dental issues, and conditions deemed pre-existing. The annual excess charge, especially the additional co-payment for senior pets, is frequently judged to be expensive and poorly explained at the signing stage. Some clients express disappointment with premium increases as the pet ages, sometimes higher than initially anticipated. Occasional delays or requests for further information during claims processing are cited as a source of frustration. The limit of one reimbursement per year for theft/loss or cancellations is perceived as restrictive. Strict policy conditions, such as the obligation to maintain up-to-date vaccinations and regular check-ups, are seen as sources of non-reimbursement surprise for some policyholders. A minor proportion also mention issues with the customer contact centre during busy periods, and the perception that some alternative therapies or specific vet costs are not sufficiently covered.
How to contact Aviva?
| Service client Aviva | Détails |
|---|---|
| To get a quote or subscribe online | To subscribe, use our pet insurance comparison tool, select the Aviva offer you are interested in and request a quote. No dedicated number: subscription via comparator or authorized agents online or by phone. General inquiries: 0333 234 0630 (Mon-Fri 8am-6pm, Sat 9am-2pm). |
| To request and track a reimbursement | Declare your claim within 60 days after care. - Download and complete the claim form (available on your client area or via customer service). - Attach all original invoices, details of care and veterinary prescriptions, any supporting documents requested. - Send your file by post to: Aviva Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL - You can also request the status or ask any questions by calling the claims service: 0333 234 0631. The reimbursement (by bank transfer or check) generally occurs within a few weeks after receipt and validation of the complete file. Direct payment to the veterinarian possible (with their agreement). |
| To get an insurance certificate | Contact Aviva customer service for any certificate request: - By phone: 0333 234 0630 (Mon-Fri 8am-6pm, Sat 9am-2pm) - By mail: The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL You can request the certificate at any time; provide your contract number for faster processing. |
| To contact assistance | - For any advice or help (pet bereavement, veterinary advice, finding a vet or pet-sitter): 24/7 Helpline (number provided on your contract documents, otherwise contact customer service to be redirected): 0333 234 0630. In case of emergency or need for practical or legal assistance related to insurance: - Call customer service at 0333 234 0630. Third-party services may apply, costs sometimes borne by the client. |
| To cancel my contract | You can cancel: - By phone to customer service: 0333 234 0630 - By registered letter with acknowledgment of receipt to: Aviva Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL Include: - Contract number - Policyholder's details - Reason for cancellation (optional except for withdrawal period) For annual cancellation, respect the notice period stated in the contract (often 30 days before renewal date). To cancel within 14 days (legal withdrawal period): full refund if no claim. Attach any supporting documents required based on your situation (e.g. death of the animal, sale, moving...) You will receive a written confirmation of cancellation. |
No dedicated number: subscription via comparator or authorized agents online or by phone.
General inquiries: 0333 234 0630 (Mon-Fri 8am-6pm, Sat 9am-2pm).
- Download and complete the claim form (available on your client area or via customer service).
- Attach all original invoices, details of care and veterinary prescriptions, any supporting documents requested.
- Send your file by post to:
Aviva Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL
- You can also request the status or ask any questions by calling the claims service: 0333 234 0631.
The reimbursement (by bank transfer or check) generally occurs within a few weeks after receipt and validation of the complete file.
Direct payment to the veterinarian possible (with their agreement).
- By phone: 0333 234 0630 (Mon-Fri 8am-6pm, Sat 9am-2pm)
- By mail: The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL
You can request the certificate at any time; provide your contract number for faster processing.
24/7 Helpline (number provided on your contract documents, otherwise contact customer service to be redirected): 0333 234 0630.
In case of emergency or need for practical or legal assistance related to insurance:
- Call customer service at 0333 234 0630.
Third-party services may apply, costs sometimes borne by the client.
- By phone to customer service: 0333 234 0630
- By registered letter with acknowledgment of receipt to:
Aviva Pet Insurance, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL
Include:
- Contract number
- Policyholder's details
- Reason for cancellation (optional except for withdrawal period)
For annual cancellation, respect the notice period stated in the contract (often 30 days before renewal date).
To cancel within 14 days (legal withdrawal period): full refund if no claim.
Attach any supporting documents required based on your situation (e.g. death of the animal, sale, moving...)
You will receive a written confirmation of cancellation.
FAQ
Do I have to pay vet bills upfront with Aviva?
With Aviva Pet Insurance, you usually pay the veterinary costs first and then claim the eligible amount back. However, in many cases, Aviva can pay your vet directly (with your vet’s agreement), which may reduce the need for you to advance funds yourself. Always check with both your vet and Aviva before starting treatment to see if direct payment is possible.
How do I cancel my Aviva pet insurance policy?
To cancel your Aviva pet insurance, send a written request (by email or post) to their customer service and include your policy details. You must respect the notice period stated in your policy schedule, usually at least 14 days before renewal. Attach proof of identity and policy number for faster processing.
What pets and ages are eligible for Aviva pet insurance?
Aviva covers dogs from 8 weeks up to 9 years old, and cats from 8 weeks up to 11 years old at the time of policy start. If insured before reaching these age limits, your pet can remain covered without an upper age cap as long as the policy is continuously renewed. Dangerous breeds under the Dangerous Dogs Act are not eligible.
Are pre-existing conditions covered by Aviva Pet Insurance?
No, Aviva does not cover any pre-existing conditions, which are illnesses or injuries that showed signs or symptoms before the policy start date. Coverage also excludes routine or preventive care, and there is a 10-day waiting period for illness cover (but accidents are covered immediately).
Can I use my Aviva pet insurance while travelling abroad?
Yes, Aviva pet insurance covers your pet for up to 6 months per policy year in countries included in the PETS Travel Scheme and in Ireland, provided all requirements are met. However, claims may not be paid for incidents abroad if the stay exceeds 6 months or occurs outside approved territories. Always check policy terms before travelling.
Do I have to pay vet bills upfront with Aviva?
With Aviva Pet Insurance, you usually pay the veterinary costs first and then claim the eligible amount back. However, in many cases, Aviva can pay your vet directly (with your vet’s agreement), which may reduce the need for you to advance funds yourself. Always check with both your vet and Aviva before starting treatment to see if direct payment is possible.
How do I cancel my Aviva pet insurance policy?
To cancel your Aviva pet insurance, send a written request (by email or post) to their customer service and include your policy details. You must respect the notice period stated in your policy schedule, usually at least 14 days before renewal. Attach proof of identity and policy number for faster processing.
What pets and ages are eligible for Aviva pet insurance?
Aviva covers dogs from 8 weeks up to 9 years old, and cats from 8 weeks up to 11 years old at the time of policy start. If insured before reaching these age limits, your pet can remain covered without an upper age cap as long as the policy is continuously renewed. Dangerous breeds under the Dangerous Dogs Act are not eligible.
Are pre-existing conditions covered by Aviva Pet Insurance?
No, Aviva does not cover any pre-existing conditions, which are illnesses or injuries that showed signs or symptoms before the policy start date. Coverage also excludes routine or preventive care, and there is a 10-day waiting period for illness cover (but accidents are covered immediately).
Can I use my Aviva pet insurance while travelling abroad?
Yes, Aviva pet insurance covers your pet for up to 6 months per policy year in countries included in the PETS Travel Scheme and in Ireland, provided all requirements are met. However, claims may not be paid for incidents abroad if the stay exceeds 6 months or occurs outside approved territories. Always check policy terms before travelling.
