Is Asda Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Asda
Asda Pet Insurance, administered by Insurance Factory Limited and underwritten by HDI Global Specialty SE UK, stands out in the UK market for its breadth of cover and accessible pricing. The range includes both Time Limited (12 months per condition, with £2,000 or £5,000 limits) and Lifetime cover (five levels, £2,000 to £10,000 annual vet fee cap, reset yearly), offering flexibility for various pet needs and budgets. Franchise (excess) is selectable from £100 to £250, including for 'select breed' animals, and 10% co-payment applies from age 5. Higher-tier plans notably cover dental illness, an area often excluded by competitors in similarly priced contracts. Asda’s pricing is competitive, frequently undercutting legacy high-street brands, but it sits between low-cost and premium market positioning, providing strong value for multi-pet households with its 10% discount. The offer is especially well-suited to younger pets, owners seeking affordable lifetime cover with accessible vet telehealth, and those wanting predictable annual caps. Asda’s reliability is reinforced by its ABI membership, FCA regulation, and broad customer support access (calls, online claims, direct-to-vet payments possible), but Trustpilot ratings are not published—external reviews suggest mixed feedback, especially on claim acceptance and premium increases. Typical claim payouts range between four weeks and several months, slightly trailing the UK's best-in-class. Overall, Asda combines solid financial backing and choice-led cover, though customers must read exclusions and accept possible annual price rises.
- Five tiers of Lifetime cover, annual cap up to £10,000
- Flexible excess options from £100 to £250
- Dental illness covered on higher Lifetime levels
- Multi-pet discount: 10% from second animal insured
- Direct vet payment option (subject to approval)
- 24/7 access to Joii telehealth and nurse clinics
- Monthly payment option without additional fees
- No published Trustpilot rating for transparency
- 10% co-payment applied from pet's fifth birthday
- Pre-existing, recent, or routine care always excluded
- Premiums rise with age and after claims
- Claim handling speed averages four weeks or more
- Asda warranties
- Exclusions from Asda
- Asda prices
- Asda Assistance
- Customer feedback on Asda
- How to contact Asda?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of UK insurance contracts each year to provide you with reliable and impartial analysis. Thanks to this commitment, hundreds of thousands of users across the UK trust us every month to help guide their most important financial decisions.
Asda warranties
Asda Pet Insurance stands out for its wide choice between Time Limited (12 months per condition) and Lifetime (annual reset, five tiers up to £10,000) coverages, both with flexible excess from £100 to £250 and compulsory 10% co-payment from age 5. All formulas cover accidents and illnesses (with illness dental only from Lifetime £6,000), include emergency boarding, loss/theft, and robust travel cover (up to 364 days/year), plus liability up to £1,000,000 for dogs. The inclusion of the 24/7 Joii vet app at no cost, as well as multi-pet discounts, are significant strengths. However, no prevention or routine care package is available, dental illness only applies from mid-Lifetime levels, and exclusions for pre-existing conditions and routine care are strict. Policyholders should also be mindful of age limits at enrolment and premium increases, especially after claims.
| Guarantee / Coverage | Time Limited £2,000 | Time Limited £5,000 | Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 | Lifetime £8,000 | Lifetime £10,000 |
|---|---|---|---|---|---|---|---|
| Positioning | 12m per condition, budget tier | 12m per condition, higher cap | Lifetime annual cap, entry | Lifetime annual, higher cap | Lifetime annual, mid cap | Lifetime annual, extended | Lifetime annual, premium |
| Type of cover | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness | Accident & illness |
| Pets covered | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | NC (typically up to 90%) | NC (typically up to 90%) | NC (typically up to 90%) | NC (typically up to 90%) | NC (typically up to 90%) | NC (typically up to 90%) | NC (typically up to 90%) |
| Annual vet fees cover limit | £2,000 per condition (12m max) | £5,000 per condition (12m max) | £2,000 per year | £4,000 per year | £6,000 per year | £8,000 per year | £10,000 per year |
| Excess per claim/condition | £100–£250 per condition/claim | £100–£250 per condition/claim | £100–£250 per year/claim | £100–£250 per year/claim | £100–£250 per year/claim | £100–£250 per year/claim | £100–£250 per year/claim |
| Age min/max at enrolment — cats | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC |
| Age min/max at enrolment — dogs | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC | 8 weeks minimum, max NC |
| Health questionnaire required? | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Waiting period (illness) | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days |
| Waiting period (accident) | 48 hours | 48 hours | 48 hours | 48 hours | 48 hours | 48 hours | 48 hours |
| Lifetime renewable once insured? | No | No | Yes (subject to renewal) | Yes (subject to renewal) | Yes (subject to renewal) | Yes (subject to renewal) | Yes (subject to renewal) |
| Vet consultations (incl. emergency and specialist) | Covered to annual/condition limit | Covered to annual/condition limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit |
| Prescribed medication | Covered to annual/condition limit | Covered to annual/condition limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit |
| Hospitalisation | Covered to annual/condition limit | Covered to annual/condition limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit |
| Ambulance fees | NC | NC | NC | NC | NC | NC | NC |
| Surgery, anaesthesia | Covered to annual/condition limit | Covered to annual/condition limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit |
| CT scans, MRI, ultrasound | £1,250/condition | £1,500/condition | £1,250/year | £1,500/year | £1,500/year | £1,500/year | £1,500/year |
| Lab tests | Covered to annual/condition limit | Covered to annual/condition limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit | Covered to annual limit |
| Radiotherapy | NC | NC | NC | NC | NC | NC | NC |
| Dental — accident | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Dental — illness | No | No | No | No | Yes | Yes | Yes |
| Scale and polish (routine) | No | No | No | No | No | No | No |
| Prevention package (vaccines, worming, neutering...) | No | No | No | No | No | No | No |
| Complementary therapy (osteo, acupuncture, physio, etc.) | £500/condition | £750/condition | £1,000/year | £1,500/year | £1,500/year | £1,500/year | £1,500/year |
| Behavioural treatments — accident only | £500/condition | £750/condition | £1,000/year | £1,000/year | £1,000/year | £1,500/year | £1,500/year |
| Therapeutic diet | £100/condition (max 60 days) | £150/condition (max 60 days) | £200/year (max 60 days) | £250/year (max 60 days) | £250/year (max 60 days) | £250/year (max 60 days) | £250/year (max 60 days) |
| Travel coverage (countries) | Up to 364 days/year, see policy | Up to 364 days/year, see policy | Up to 364 days/year, see policy | Up to 364 days/year, see policy | Up to 364 days/year, see policy | Up to 364 days/year, see policy | Up to 364 days/year, see policy |
| Death — illness (cats/dogs, under 7 only) | £750 | £1,000 | £1,500 | £2,000 | £2,000 | £2,000 | £2,000 |
| Death — accident (cats/dogs, all ages) | £750 | £1,000 | £1,500 | £2,000 | £2,000 | £2,000 | £2,000 |
| Cremation | £100 | £100 | £100 | £100 | £100 | £100 | £100 |
| Euthanasia | NC | NC | NC | NC | NC | NC | NC |
| Theft or loss — pet and search costs | £750 | £1,000 | £1,500 | £2,000 | £2,000 | £2,000 | £2,000 |
| Emergency boarding | £750 | £1,000 | £1,500 | £2,000 | £2,000 | £2,000 | £2,000 |
| Holiday cancellation due to pet health | £750 | £1,000 | £1,500 | £2,000 | £2,000 | £2,000 | £2,000 |
| Liability (dogs only, UK/EU, per claim) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) | £1,000,000 (£250 excess) |
| Maximum annual quarantine claims | Not covered | Not covered | £1,000 | £1,500 | £1,500 | £1,500 | £1,500 |
| Foster care/groomer fees for owner hospitalisation | Included, up to benefit cap | Included, up to benefit cap | Included, up to benefit cap | Included, up to benefit cap | Included, up to benefit cap | Included, up to benefit cap | Included, up to benefit cap |
Good to know
- No formula includes cover for vaccination, worming, neutering, ID chipping, or routine check-ups.
- Dental illness is only covered under Lifetime £6,000 and above; accident dental is always included.
- Claims excess (fixed amount) and co-insurance (10% share) from age 5 apply to all claims; higher excess for some breeds.
- No standalone 'Accident Only' policy is currently available.
- Joii vet teleconsultation and symptom checker are included free for all customers with unlimited usage.
- Liability cover applies to dogs only and only within the UK and EU (subject to breed/type exclusions).
- Emergency boarding is only reimbursed when the owner is hospitalised for a minimum of 72 hours (up to £20/day).
- Death from illness is only covered for pets under 7 years old at time of claim.
- Strict exclusion of pre-existing conditions (symptoms before cover, or during waiting periods) and routine care, and refusal of application for pets under 8 weeks old.
- Cover will not continue for a condition under Time Limited after the 12-month or benefit cap is reached, regardless of policy renewal.
Exclusions from Asda
The list of exclusions in the Asda Pet Insurance contract includes all usual medical exclusions (pre-existing illnesses, diseases with symptoms noted before subscription, and during waiting periods), but with several specific limits that set it apart from many competitors. Notably, animals under 8 weeks old at subscription, banned or aggressive breeds (or mixes), and animals used professionally or in breeding (over two litters) are not covered. Coverage is systematically denied in cases of non-vaccination, neglect, or the use of the animal in security or sporting competitions. Third party liability is excluded outside the UK and EU, for incidents involving cats, or when regulations are not strictly followed. Finally, emergency kennel/boarding, loss/theft, and holiday cancellation guarantees have strict eligibility criteria; for example, holiday cancellation requires proof of medical urgency and booking at least 28 days in advance.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions - Illness or symptoms before subscription or during waiting period (14 days illness, 48h accident) - Euthanasia without medical justification - Animals under 8 weeks old at inception |
| Geographic & legal exclusions | - Third-party liability only valid in UK and extended EU - RC (public liability) not available for cats - No cover for trips over 364 consecutive days - Excluded for banned/aggressive breeds, or declared dangerous dogs |
| Identification/breed exclusions | - Non-microchipped pets (if required by law) - Banned breeds/crosses, dogs with more than two litters - Animals used for breeding or professional use (guard, hunting, racing) - Animals not up to date on vaccinations |
| Preventive, routine, or non-essential care | - Vaccinations, routine check-ups and preventive care (except via included nurse/Joii app, not insurance reimbursements) - Non-essential or cosmetic procedures |
| Other contract & benefit limitations | - Boarding cover excluded for hospitalisation due to pregnancy or known-in-advance hospital stay - Lost pet compensation after 45-day wait, requiring evidence of official reports - Strict documentation/proof for death/claim |
- Illness or symptoms before subscription or during waiting period (14 days illness, 48h accident)
- Euthanasia without medical justification
- Animals under 8 weeks old at inception
- RC (public liability) not available for cats
- No cover for trips over 364 consecutive days
- Excluded for banned/aggressive breeds, or declared dangerous dogs
- Banned breeds/crosses, dogs with more than two litters
- Animals used for breeding or professional use (guard, hunting, racing)
- Animals not up to date on vaccinations
- Non-essential or cosmetic procedures
- Lost pet compensation after 45-day wait, requiring evidence of official reports
- Strict documentation/proof for death/claim
Asda prices
Asda Pet Insurance adopts a median position on the UK pet insurance market, offering balanced coverage options at prices that reflect the breadth of included benefits. The pricing is structured so that entry-level Time Limited offers remain accessible, while Lifetime policies with high annual limits and dental illness cover are positioned at slightly above-average premiums, justified by the breadth of their guarantees. Asda stands out for flexible underwriting (choice of excess, monthly payments at no extra cost), digital-first claims management, and value-added services such as unlimited 24/7 vet teleconsultations via the Joii app—features more typical of online-oriented competitors, helping contain cost versus full-service traditional insurers. However, certain limitations (such as the exclusion of routine care and dental illness in low tiers) keep overall pricing competitive and avoid placing Asda among the most comprehensive or expensive providers. This makes Asda especially suitable for owners seeking reliable, scalable coverage with solid digital support, yet not aiming for ultra-premium protection.
Compare multiple offers to ensure you get the lowest price for the coverage that best matches your pet’s needs.
| Time Limited £2,000 | Time Limited £5,000 | Lifetime £2,000 | Lifetime £4,000 | Lifetime £6,000 | Lifetime £8,000 | Lifetime £10,000 | |
|---|---|---|---|---|---|---|---|
| Young cat (2–4 years) | £7/mo | £10/mo | £11/mo | £16/mo | £21/mo | £27/mo | £32/mo |
| Senior cat (7–8 years) | £11/mo | £16/mo | £17/mo | £24/mo | £32/mo | £42/mo | £50/mo |
| Small dog | £9/mo | £14/mo | £16/mo | £21/mo | £28/mo | £36/mo | £44/mo |
| Small dog (2–4 years) | £9/mo | £14/mo | £16/mo | £21/mo | £28/mo | £36/mo | £44/mo |
| Large dog (2–4 years) | £13/mo | £20/mo | £21/mo | £28/mo | £38/mo | £46/mo | £55/mo |
| Senior dog (7–8 years) | £23/mo | £34/mo | £38/mo | £50/mo | £68/mo | £84/mo | £99/mo |
Asda promo codes
| Asda Promo Codes | Details |
|---|---|
| Multi-pet Discount | 10% off when insuring two or more pets |
Note: Promo codes are subject to change. For the latest codes, visit our comparison of the best pet insurance policies.
How much will I be reimbursed with Asda?
| Type of Care | Average Cost (GBP) | Asda Time Limited £5,000 (max 12 months per condition) | Asda Lifetime £10,000 (annual renewed cap, max cover) |
|---|---|---|---|
| Castration/Spaying | £250 | Not covered Remainder: £250 | Not covered Remainder: £250 |
| Vaccinations | £70 | Not covered Remainder: £70 | Not covered Remainder: £70 |
| Dental Care (Illness) | £350 | Not covered Remainder: £350 | Reimbursed £350 (up to annual cap, outside of excess) Remainder: £0 (outside of excess) |
| Broken Leg (Accident) | £1,800 | Reimbursed £1,800 (outside of excess) Remainder: £0 (outside of excess) | Reimbursed £1,800 (outside of excess) Remainder: £0 (outside of excess) |
| Consultation & Prescribed Medication (Illness) | £120 | Reimbursed £120 (outside of excess) Remainder: £0 (outside of excess) | Reimbursed £120 (outside of excess) Remainder: £0 (outside of excess) |
Remainder: £250
Remainder: £250
Remainder: £70
Remainder: £70
Remainder: £350
Remainder: £0 (outside of excess)
Remainder: £0 (outside of excess)
Remainder: £0 (outside of excess)
Remainder: £0 (outside of excess)
Remainder: £0 (outside of excess)
Important notes
- Excess applies per claim/condition (£100–£250 selectable; not included in "remainder").
- Dental illness is only covered under Lifetime £6,000+ plans.
- Vaccines and routine care are NOT covered by any Asda plan.
- For pets aged 5+, a 10% co-payment is due on all claims in addition to the fixed excess.
- All amounts subject to chosen annual/condition limit.
Asda Assistance
Asda stands out for offering 24/7 access to veterinary advice through the Joii app, with unlimited free video consultations and a symptom checker, which is among the most comprehensive support options on the UK market.
Emergency helpline coverage extends to bereavement and wellbeing assistance, but does not include a dedicated insured helpline for claims or ongoing case management outside normal business hours.
The insurer can facilitate direct claims payment to vets if the practice agrees, but there is no universal instant fee advance system akin to PayVet or Petcard; claim approval and settlement remain subject to manual processing.
The absence of a network of preferred partner clinics means clients must rely on standard practitioner choice, without negotiated rates or service guarantees.
Claims can be submitted online but full digital expense reimbursement management via a modern proprietary app is missing, and app ergonomics are focused on tele-veterinary rather than claims workflow.
| Assistance Asda | Disponible ? | Détails |
|---|---|---|
| Advance of veterinary fees | ❌ | No universal advance system like Payvet or Carecredit. Direct payments to vets possible if agreed by the practice, but funds released only after claim approval. |
| Payment facilities | ✅ | Monthly payment is available with no additional cost. Annual policy also offered. Flexibility applies at subscription and renewal. |
| Mobile application | ✅ | Joii app offers 24/7 free video vet consultations and symptom checker but lacks insurance account management or reimbursement features. UX focuses on health. |
| Digital reimbursement management | ❌ | Claims can be submitted online but not entirely in-app. No integrated expense tracking or digital claim follow-up via a dedicated Asda insurance mobile app. |
| Emergency veterinary service | ✅ | 24/7 vet advice through Joii, with video consults and nurse clinics. Does not cover physical veterinary emergencies or logistics, only remote medical support. |
| Veterinary clinic/partner network | ❌ | No direct clinic or hospital network. Clients can use any UK-registered vet, no preferred rates or partners. |
| Overseas coverage | ✅ | Vet fees covered outside the UK up to 364 days/year as part of all policies; reimbursement based on documentation after return. |
Customer feedback on Asda
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.0/5 – 1,200+ reviews (Pet-Insurance.co.uk, many relating to Asda) |
| Reviews.io | 2.4/5 – 225 reviews (Asda Pet Insurance) |
| Smart Money People | 2.3/5 – 140 reviews (Asda Pet Insurance) |
We have analysed the reviews from the sites listed above. On the positive side, policyholders who have taken out a contract with Asda Pet Insurance often cite:
- The possibility of managing most tasks online: claims can be submitted digitally, and accessing documents is straightforward.
- The inclusion of 24/7 veterinary video consultations through Joii is appreciated for its convenience, especially in emergencies or for initial health advice.
- A multi-pet discount is available, which is valued by owners of several animals.
- Some customers mention fast and full reimbursements after major procedures, and a handful of users experience smooth overall service.
On the negative side:
- The frequency of claims denials is a major source of dissatisfaction, often based on contract exclusions or subjective interpretation against the vet’s opinion.
- The actual reimbursement amounts are regularly much lower than expected, with many customers reporting that only a small fraction (around 30–40%) of their costs are covered.
- Processing times for claims are criticised, with many waiting much longer than the stated timelines, sometimes for several months or receiving no response.
- A significant annual premium increase, even without a claim, and sometimes a steep hike after any reimbursement, leads to frustration and a feeling of being “punished” for using the insurance.
- Customers report a lack of transparency, feeling that exclusions are sometimes added while claims are in progress, and that communication is opaque both before and after purchase.
- Several clients highlight the difficulty of changing insurer after significant diagnoses or claims, which is problematic for those with lifetime policies.
- Customer service is frequently rated as unhelpful or indifferent, with little effort made to resolve disputes.
- There is a notable absence of management responses to negative reviews, giving the impression that complaints are undervalued.
How to contact Asda?
| Asda customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, select the formula that suits you, and click to get a quote. |
| To request and track a reimbursement | - Submit your claim online or download a claim form from the Asda Pet Insurance website. - Fill in the form and attach required documents (vet invoices, medical reports, proof of payment, and any other supporting documents). - Claims are usually processed in about 4 weeks (may take longer according to customer reviews). - Refund is made via bank transfer. - For tracking or questions: • Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm) • Email: [email protected] • Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN. |
| To obtain a certificate of insurance | - Request your certificate by contacting customer service: • Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm) • Email: [email protected] • Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN. - Generally, certificates are sent by email or post upon request. |
| To contact assistance | - For medical advice or veterinary support, use the Joii Pet Care app (24/7 online chat with vets). - For contract assistance or emergencies: • Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm) • Email: [email protected] |
| To cancel my contract | - Notify your cancellation by phone, email, or post: • Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm) • Email: [email protected] • Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN. - 14-day cooling-off period: full refund if you haven't claimed. - After 14 days: cancellation possible at any time; if you have claimed, you need to pay the remaining premium for the year. - Attach policy details and your full name/contacts; written request advised for post/email. - Allow for processing time; effective date depends on when notice is received. |
- Fill in the form and attach required documents (vet invoices, medical reports, proof of payment, and any other supporting documents).
- Claims are usually processed in about 4 weeks (may take longer according to customer reviews).
- Refund is made via bank transfer.
- For tracking or questions:
• Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm)
• Email: [email protected]
• Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN.
• Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm)
• Email: [email protected]
• Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN.
- Generally, certificates are sent by email or post upon request.
- For contract assistance or emergencies:
• Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm)
• Email: [email protected]
• Phone: 0333 9990933 (Mon-Fri 8am-6pm, Sat 9am-2pm)
• Email: [email protected]
• Post: 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN.
- 14-day cooling-off period: full refund if you haven't claimed.
- After 14 days: cancellation possible at any time; if you have claimed, you need to pay the remaining premium for the year.
- Attach policy details and your full name/contacts; written request advised for post/email.
- Allow for processing time; effective date depends on when notice is received.
FAQ
Do I have to pay veterinary fees upfront with Asda Pet Insurance?
With Asda Pet Insurance, you will usually need to pay the veterinary fees yourself and claim the reimbursement afterward. However, direct payment to vets (where the insurer pays your vet directly) is possible if the vet agrees to this arrangement—it's best to ask your vet in advance. All claims must be submitted with receipts or invoices online or by post for processing.
How do I cancel my Asda pet insurance policy?
To cancel your Asda pet insurance, contact customer service by phone or email, giving at least 14 days’ notice from your request. You’ll need to provide your policy number and a written request; cancellation is immediate if within the cool-off period and no claim has been made. Otherwise, you’ll be refunded pro-rata, minus any unsettled premiums due.
What types of policies does Asda offer for my pet?
Asda offers Time Limited and Lifetime policies for dogs and cats. Time Limited cover pays eligible costs for each new condition for up to 12 months, while Lifetime cover renews your veterinary fee limit every year for ongoing or recurring conditions, provided your policy is renewed without interruption.
Are pre-existing conditions covered by Asda Pet Insurance?
No, Asda Pet Insurance does not cover pre-existing conditions—these are illnesses or injuries that showed symptoms or were diagnosed before your policy started or during the waiting period (14 days for illness, 48 hours for accidents). Always read the terms to understand full exclusions before you buy.
Does Asda Pet Insurance cover dental treatments?
Dental cover depends on your chosen plan. All policies cover dental treatment resulting from accidents; however, cover for dental illness is only included on Lifetime policies with a veterinary fee limit of £6,000 or above. Routine dental care and maintenance are not covered.
Do I have to pay veterinary fees upfront with Asda Pet Insurance?
With Asda Pet Insurance, you will usually need to pay the veterinary fees yourself and claim the reimbursement afterward. However, direct payment to vets (where the insurer pays your vet directly) is possible if the vet agrees to this arrangement—it's best to ask your vet in advance. All claims must be submitted with receipts or invoices online or by post for processing.
How do I cancel my Asda pet insurance policy?
To cancel your Asda pet insurance, contact customer service by phone or email, giving at least 14 days’ notice from your request. You’ll need to provide your policy number and a written request; cancellation is immediate if within the cool-off period and no claim has been made. Otherwise, you’ll be refunded pro-rata, minus any unsettled premiums due.
What types of policies does Asda offer for my pet?
Asda offers Time Limited and Lifetime policies for dogs and cats. Time Limited cover pays eligible costs for each new condition for up to 12 months, while Lifetime cover renews your veterinary fee limit every year for ongoing or recurring conditions, provided your policy is renewed without interruption.
Are pre-existing conditions covered by Asda Pet Insurance?
No, Asda Pet Insurance does not cover pre-existing conditions—these are illnesses or injuries that showed symptoms or were diagnosed before your policy started or during the waiting period (14 days for illness, 48 hours for accidents). Always read the terms to understand full exclusions before you buy.
Does Asda Pet Insurance cover dental treatments?
Dental cover depends on your chosen plan. All policies cover dental treatment resulting from accidents; however, cover for dental illness is only included on Lifetime policies with a veterinary fee limit of £6,000 or above. Routine dental care and maintenance are not covered.
