Is Coop Pet Insurance Any Good? Our Review 2025
Our Expert's Opinion on Coop
Co-op Pet Insurance is a trusted British provider, operating under strict FCA regulation and backed by the Financial Services Compensation Scheme (FSCS), ensuring strong consumer protection. With a wide range of formulas, including six Lifetime options (annual vet fees up to £16,000) and two Time Limited covers (12 months per condition, up to £5,000 per illness or injury), Co-op distinguishes itself by addressing both small and comprehensive budgets. The reimbursement structure features fixed excesses (£75–£200 depending on breed/formula) plus a 20% co-payment from age 6, with notable breadth in included services: unlimited, free 24/7 video vet consults (FirstVet), dental treatment, specialised diet (within set limits), and psychological support for owners. Emergency boarding, travel cover, theft, and £1 million liability (dogs only) are included as standard. Co-op positions itself among the leading UK actors for digital management and breadth of cover, while its pricing remains mid-market relative to Direct Line or ManyPets, offering strong value for responsible pet owners. Particularly well-suited for young or middle-aged pets (especially pedigree dogs/cats), owners seeking extensive coverage, digital claims, and those attentive to preventive care adherence. With a solid client base and over 1,000 Trustpilot reviews scoring 4.3/5, Co-op’s claims are processed digitally and typically paid within 10–20 working days, representing reliability and efficient ongoing support.
- Up to £16,000 annual vet fee cover on Lifetime policies
- Free, unlimited 24/7 video vet consultations via app
- Emergency boarding, travel, and theft included as standard
- Broad dental and specialist diet cover (if annual check-ups kept)
- £1 million public liability insurance for dogs
- 100% digital claims and client portal
- Strong Trustpilot rating (4.3/5, 1,000+ reviews)
- Strict preventive care schedule required
- 20% co-payment applies from age 6
- Breed and usage exclusions (working, commercial animals)
- No policy for pets under 8 weeks old
- Some restrictions on behaviour/alternative therapies
- Coop Guarantees
- Coop Exclusions
- Coop Rates
- Coop Assistance
- Customer feedback on Coop
- How to contact Coop?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of 34 different insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of users across the UK trust us each month to help guide their most important financial decisions. undefined
Coop Guarantees
Co-op offers a very broad panel of pet insurance plans, split between Time Limited (12 months per condition) and Lifetime formulas, with annual reimbursement limits ranging from £1,000 to £16,000 and a co-payment of 20% from age 6 (earlier on request). Across all packages, core veterinary acts (consultations, hospitalisations, scans, emergency care, etc.) are systematically included, along with access to unlimited online video consultations (FirstVet) and psychological support. Notable strengths are comprehensive coverage (veterinary, civil liability for dogs, travel, urgent kennelling, repatriation) and strong digital management, although key limits include rigid exclusions (pre-existing, routine/preventive care, strict vaccination rules, select breed surcharges) and the fact that preventive care (vaccines, antiparasitics, neutering) is excluded. Only well-defined therapeutic diets, dental care with conditions, and certain complementary therapies (hydrotherapy, acupuncture) are reimbursed—strictly following the veterinary protocol. Co-op stands out for its breadth of support, but its strict exclusions and lack of routine care may not suit owners looking for full preventive cover.
| Guarantee Name | Time Limited 2000 | Time Limited 5000 | Lifetime 1000 | Lifetime 2500 | Lifetime 5000 | Lifetime 7500 | Lifetime 10000 | Lifetime 16000 |
|---|---|---|---|---|---|---|---|---|
| Formula positioning | Entry-level, budget/fixed period | Stronger entry/fixed period | Essential recurring | Mid-range recurring | Upper mid, recurring | Top recurring | Premium recurring | Ultra-premium recurring |
| Type of cover | Accident, illness (12 months/condition) | Accident, illness (12 months/condition) | Accident, illness (reinstated annually) | Accident, illness (reinstated annually) | Accident, illness (reinstated annually) | Accident, illness (reinstated annually) | Accident, illness (reinstated annually) | Accident, illness (reinstated annually) |
| Animals covered | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) | Dogs, cats (from 8 weeks, not banned breeds) |
| Reimbursement rate (%) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) | 100% minus fixed excess (+20% for age ≥6) |
| Annual vet fee limit | £2,000 per condition, per year | £5,000 per condition, per year | £1,000/year all conditions | £2,500/year all conditions | £5,000/year all conditions | £7,500/year all conditions | £10,000/year all conditions | £16,000/year all conditions |
| Fixed excess (per condition or per year) | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition | £75 to £200 per condition |
| Age for subscription (cats) | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years | From 8 weeks, up to 10 years |
| Age for subscription (dogs) | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years | From 8 weeks, up to 8 years |
| Pre-policy health questionnaire? | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required | Yes, medical checks required |
| Waiting period – illness | 14 days from policy start | 14 days from policy start | 14 days from policy start | 14 days from policy start | 14 days from policy start | 14 days from policy start | 14 days from policy start | 14 days from policy start |
| Waiting period – accident | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start | 48 hours from policy start |
| Lifetime coverage once insured | No, stops at 12 months/condition | No, stops at 12 months/condition | Yes, recurring while policy active | Yes, recurring while policy active | Yes, recurring while policy active | Yes, recurring while policy active | Yes, recurring while policy active | Yes, recurring while policy active |
| Average reimbursement time | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster | Within 28 days, often faster |
| Vet consultations (all) | Covered within annual/condition limit | Covered within annual/condition limit | Covered within annual limit | Covered within annual limit | Covered within annual limit | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Medications | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit |
| Hospitalisation | Covered, up to annual/condition limit | Covered, up to annual/condition limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit |
| Ambulance fees | Covered, up to limit | Covered, up to limit | Covered, up to limit | Covered, up to limit | Covered, up to limit | Covered, up to limit | Covered, up to limit | Covered, up to limit |
| Surgery & anaesthesia | Covered, up to annual/condition limit | Covered, up to annual/condition limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit |
| Scanners, MRI, ultrasound | Covered, up to annual/condition limit | Covered, up to annual/condition limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit |
| Lab analysis | Covered, up to annual/condition limit | Covered, up to annual/condition limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit | Covered, up to annual limit |
| Radiotherapy | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit | Covered if prescribed, within limit |
| Dental care | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) | Covered for accidents/illness (annual checkup needed) |
| Descaling | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) |
| Vaccinations (mandatory/others) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) | Not covered (preventive) |
| Antiparasitics, dewormers | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Neutering/spaying | Not covered, routine | Not covered, routine | Not covered, routine | Not covered, routine | Not covered, routine | Not covered, routine | Not covered, routine | Not covered, routine |
| Identification/microchipping | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Hygiene products | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Complementary therapies | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) | Acupuncture, hydrotherapy, osteopathy (limit/professional) |
| Countries covered / travel | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states | UK plus up to 30 days/year in PETS/approved EU states |
| Death/cremation | Sickness | Sickness | Sickness | Sickness | Sickness | Sickness | Sickness | Sickness |
| Euthanasia | £100 (within vet fees) | £100 (within vet fees) | £150 (within vet fees) | £150 (within vet fees) | £150 (within vet fees) | £150 (within vet fees) | £150 (within vet fees) | £250 (within vet fees) |
| Theft/loss of animal | £1,000 max (with evidence) | £1,000 max (with evidence) | £1,000 max (with evidence) | £1,000 max (with evidence) | £1,500 max (with evidence) | £1,500 max (with evidence) | £2,000 max (with evidence) | £3,000 max (with evidence) |
| Boarding fees | Up to £1,000 if >72hr hospital stay (£20/day max) | Up to £1,000 if >72hr hospital stay (£20/day max) | Up to £1,000 if >72hr hospital stay (£20/day max) | Up to £1,000 if >72hr hospital stay (£20/day max) | Up to £1,500 if >72hr hospital stay (£20/day max) | Up to £1,500 if >72hr hospital stay (£20/day max) | Up to £2,000 if >72hr hospital stay (£20/day max) | Up to £3,000 if >72hr hospital stay (£20/day max) |
| Civil liability (dogs only) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) | £1,000,000/year (£250 excess) |
| Advertisement/reward | Up to £1,000 per year | Up to £1,000 per year | Up to £1,000 per year | Up to £1,000 per year | Up to £1,500 per year | Up to £1,500 per year | Up to £2,000 per year | Up to £3,000 per year |
Exclusions: no cover for pre-existing, preventive, cosmetic, or routine care, or commercial use. Age and breed restrictions apply. Strict annual checkups and vaccinations mandatory. All limits include vet’s fees, subject to fixed excess and 20% co-payment (age 6+).
Coop Exclusions
The exclusions of the Co-op Pet Insurance contract are particularly strict regarding pre-existing conditions, which are never covered, including any illness treated before subscription or during the waiting period (14 days for illness, 48h for accidents). Any absence or irregularity in vaccination obligations or annual check-ups will result in refusal of coverage, even for subsequent care unrelated to the shortcoming, which clearly distinguishes Co-op from many more flexible competitors on this point. Animals from banned breeds, hybrids with these breeds, or used for commercial, breeding or reproduction purposes (>2 litters) are systematically excluded. Civil liability only applies in the UK and PETS zone, with a total exclusion for household members, professional caregivers or any events occurring outside the covered territory. Finally, bilateral conditions (e.g. both hips or ears affected) are managed as a single medical condition, which limits the compensation amount for this type of pathology.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (before subscription or during waiting period) - Illnesses occurring before 14 days, accidents before 48h - Bilateral conditions treated as a single pathology - Elective, cosmetic, or wellness care not prescribed by a vet - Costs outside agreements or prohibited treatments - Not covered if supporting documents (invoice, certificate) are missing |
| Contractual & obligations exclusions | - Failure to comply with vaccination or annual check-up (all consequences) - Incorrect declaration or animal care breaches - Claim reporting deadline exceeded (12 months) |
| Breed & usage exclusions | - Animals from banned breeds or hybrids with banned breeds - Animals used for commercial, breeding, guarding, or reproduction purposes (>2 litters) - Aggressive animals or animals already refused by other insurers |
| Geographical exclusions | - Care received outside the UK/PETS zone (except certain conditions) - Civil liability limited to UK/PETS zone, no extension outside the EU - No coverage for stays >30 days/year outside UK |
| Identification & age exclusions | - Animals not identified, or residing outside the subscriber's address - Animals under 8 weeks old at subscription |
| Civil liability exclusions | - Damage caused to household members - Paid professionals for pet care - Unauthorized animals (breed list) - Damage during excluded events, disease transmission |
- Illnesses occurring before 14 days, accidents before 48h
- Bilateral conditions treated as a single pathology
- Elective, cosmetic, or wellness care not prescribed by a vet
- Costs outside agreements or prohibited treatments
- Not covered if supporting documents (invoice, certificate) are missing
- Incorrect declaration or animal care breaches
- Claim reporting deadline exceeded (12 months)
- Animals used for commercial, breeding, guarding, or reproduction purposes (>2 litters)
- Aggressive animals or animals already refused by other insurers
- Civil liability limited to UK/PETS zone, no extension outside the EU
- No coverage for stays >30 days/year outside UK
- Animals under 8 weeks old at subscription
- Paid professionals for pet care
- Unauthorized animals (breed list)
- Damage during excluded events, disease transmission
Coop Rates
Globally, Co-op positions itself in the mid to upper segment of the UK pet insurance market due to substantial annual reimbursement limits (up to £16,000/lifetime), a broad scope of cover (including dental, diet, travel and support services), and the availability of both time-limited and comprehensive lifetime formulas.
Franchises and mandatory co-payments (from age 6) are fairly standard but can rise for selected breeds, which influences the consumer's out-of-pocket risk and aligns Co-op more with conventional insurers rather than pure low-cost players.
The 100% digital experience (including contract management and unlimited FirstVet video consultations) helps to control operating costs and enhances ease of use, partially offsetting the impact of higher guarantees on pricing.
Its strict exclusions and contractual requirements position it as a robust, responsible choice, suited for careful owners seeking broad, lasting protection rather than basic, inexpensive options.
Overall, Co-op is clearly not the cheapest, but offers strong value for those prioritising completeness and digital service, thus best described as “comprehensive but at a higher price point” relative to basic offers, yet below the highest "luxury" premiums.
| Time Limited 2000 | Time Limited 5000 | Lifetime 1000 | Lifetime 2500 | Lifetime 5000 | Lifetime 7500 | Lifetime 10000 | Lifetime 16000 | |
|---|---|---|---|---|---|---|---|---|
| Young cat (2-4 yrs) | £12/mo | £16/mo | £14/mo | £18/mo | £23/mo | £27/mo | £34/mo | £45/mo |
| Senior cat (7-8 yrs) | £17/mo | £22/mo | £19/mo | £24/mo | £29/mo | £35/mo | £40/mo | £58/mo |
| Small dog | £14/mo | £21/mo | £16/mo | £23/mo | £29/mo | £36/mo | £44/mo | £59/mo |
| Small dog (2-4 yrs) | £14/mo | £21/mo | £16/mo | £23/mo | £29/mo | £36/mo | £44/mo | £59/mo |
| Large dog (2-4 yrs) | £19/mo | £28/mo | £23/mo | £30/mo | £39/mo | £49/mo | £63/mo | £82/mo |
| Senior dog (7-8 yrs) | £25/mo | £38/mo | £29/mo | £42/mo | £54/mo | £68/mo | £85/mo | £110/mo |
Coop promo codes
| Coop Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% off your quote |
Note: Promo codes are subject to change. For the latest offers, visit our best pet insurance comparison.
How much will I be reimbursed with Coop?
| Soins vétérinaires classiques | Prix moyen (GBP £) | Remboursement Co-op Lifetime Premium (ex: £16,000/an)* | Reste à charge Co-op Lifetime Premium* |
|---|---|---|---|
| Consultation vaccins annuels | £60 | Non pris en charge (soin préventif) | £60 (pas de remboursement) |
| Castration / Stérilisation | £180 | Non pris en charge (soin de convenance) | £180 (pas de remboursement) |
| £350 | Remboursé £350 (franchise fixe à déduire, variable £75-£200 selon animal/race) | Franchise (£75-£200)† |
| Opération suite à une fracture | £1,200 | Remboursé £1,200 (franchise fixe à déduire, variable £75-£200 selon animal/race) | Franchise (£75-£200)† |
| Consultation urgente + hospitalisation 24h | £450 | Remboursé £450 (franchise fixe à déduire, variable £75-£200 selon animal/race) | Franchise (£75-£200)† |
Important information about reimbursement and coverage
- * Examples for a Lifetime Premium plan (annual maximum limit £16,000). Some amounts may be subject to a 20% co-payment for pets aged 6 years and over.
- ** Subject to annual vet check-up and compliance with contractual deadlines to be covered.
- † If pet is 6+ years old, add a mandatory 20% co-payment to the remainder after the deductible.
Coop Assistance
Co-op stands out for its unlimited 24/7 access to online veterinary teleconsultations via FirstVet, a major advantage for rapid advice without impacting premiums or claim history.
Claim management is fully digitalized through a customer portal allowing online notifications, tracking, and supporting documents upload, but there is no dedicated app for contract management or claim filing.
Assistance coverage includes a 24/7 psychological support hotline, emergency boarding in case of hospitalization, and limited reimbursement during foreign travel (maximum 30 days/year, specific limits, and strict conditions).
Direct payment of veterinary invoices is only possible by special arrangement, meaning there is no systematic advance of fees similar to market leaders.
Co-op's offer lacks a partner veterinary network and does not feature an installment-free payment facility or ergonomic mobile application, areas where other insurers may offer more.
| Assistance Coop | Disponible ? | Détails |
|---|---|---|
| Avance de frais | ❌ | Co-op does not provide an automatic fee advance like Payvet. Payment may exceptionally be made direct to the vet but requires individual agreement. |
| Facilités de paiement | ✅ | Annual or monthly payment by Direct Debit. No mention of 3x or 4x free installment payments beyond recurring monthly plans. |
| Application mobile | ❌ | No dedicated mobile app for policy management or claims. Teleconsultations use FirstVet's app, which is well rated and intuitive (App Store: 4.8, Google: 4.7). Other contract services require web portal access. |
| Gestion dématérialisée des remboursements | ✅ | Claims are fully managed on the customer portal: online submission, tracking, and document upload. No need for paper mail for standard procedures. |
| Urgence vétérinaire | ✅ | 24/7 access to teleconsultation through FirstVet included in all contracts, unlimited, without impact on claims. Phone hotline available for psychological support. |
| Réseau clinique et vétérinaire | ❌ | No official network of partner clinics. Owners select the vet of their choice; no negotiated direct payment process. |
| Prise en charge à l’étranger | ✅ | Covered in the EU and select PETS Scheme countries for up to 30 days/year per trip. Strict documentary and contractual requirements apply; coverage is capped per plan. |
Customer feedback on Coop
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.5/5 - 2,300 reviews |
| Feefo | 4.6/5 - 1,150 reviews |
| Reviews.io | 4.2/5 - 330 reviews |
Many policyholders highlight the wide range of coverage offered by Co-op Pet Insurance, with numerous levels and options tailored to suit various needs and budgets. The availability of lifetime coverage with annual reinstatement of limits is often appreciated for offering lasting protection against recurring conditions. The digital management platform and online self-service portal are highly valued for their user-friendliness and speed in claim processing and contract changes. The inclusion of services such as unlimited free veterinary video consultations (FirstVet) and a 24/7 psychological support line is frequently regarded as a real advantage. The clarity of policy documents and the flexibility to adapt coverage mid-contract or at renewal are regularly mentioned by satisfied customers. Many reviewers report courteous, competent, and easily accessible customer service teams who help resolve claims or queries quickly. The payment of claims, particularly direct to veterinarians, is commonly described as efficient and reduces upfront costs for pet owners.
A number of customers point out negative experiences with strict policy exclusions, especially regarding pre-existing conditions and certain breeds. The obligation to maintain up-to-date vaccinations and annual checkups is sometimes seen as demanding, with non-compliance resulting in denied claims, which causes frustration. A significant cost increase as pets age, particularly after claims or renewals, is a recurring concern among long-term clients. The application of substantial co-payments for older pets, and mandatory co-insurance from the age of six, is frequently described as a downside that can significantly raise out-of-pocket costs. Delays and disputes over claim reimbursements, usually relating to required documentation or interpretation of policy terms, are cited by some users. Stringent rules around claim evidence, such as invoices and detailed veterinary certificates, can be seen as burdensome. Some customers also note disappointment at the time-limited nature of reimbursement per condition in basic formulas, finding it insufficient for chronic illnesses.
How to contact Coop?
| Customer service Coop | For a quote or to subscribe online: To subscribe, use our top pet insurance comparison tool, select the Coop offer you want and request a quote.You can also subscribe directly on the official website: https://www.coop.co.uk/insurance/petFor any questions during subscription, contact customer service:Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)Or email: [email protected] |
|---|---|
| For requesting and tracking a reimbursement | Make your claim through your online client portal (dedicated portal). Send the claim form along with all detailed invoices and veterinary documentation (diagnosis, care, prescriptions, proof of payment). Direct claim transmission to Co-op by your veterinarian is also possible. Claim deadline: up to 12 months after the treatment. Track your claim progress on the portal or by phone/email: - Phone: 03457 46 46 46 - Email: [email protected] Reimbursement by bank transfer within 14 days on average (after your claim is validated). |
| For obtaining a certificate of insurance | Log in to your client space (portal) to download a certificate anytime. You can also request it: - By phone: 03457 46 46 46 - By email: [email protected] Please provide your contract number, name and address. Sending by post or electronically, per your preference. |
| To contact support (emergency, assistance, specific claim) | For veterinary emergencies, access the FirstVet service: 24/7 access via mobile app for immediate teleconsultation. For administrative assistance (hotline, questions about your policy/claim): - Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm) - Email: [email protected] Postal address: Co-op Pet Insurance c/o Insurance Factory Limited, 45 Westerham Road, Sevenoaks, TN13 2QB, United Kingdom For psychological support (pet bereavement): a dedicated hotline is available 24/7. |
| To cancel my contract | Send a written request to: Co-op Pet Insurance, Insurance Factory Limited, 45 Westerham Road, Sevenoaks, TN13 2QB, United Kingdom Or by email: [email protected] Or by phone: 03457 46 46 46 Include: - Contract reference, cancellation reason, full contact information. - If cancellation < 14 days: withdrawal right, possible refund if no claim (admin fees apply for Time Limited policies). - If cancellation after a claim, the total premium remains due. Notice: immediate (written confirmation recommended). |
You can also subscribe directly on the official website:
https://www.coop.co.uk/insurance/pet
For any questions during subscription, contact customer service:
Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)
Or email: [email protected]
Send the claim form along with all detailed invoices and veterinary documentation (diagnosis, care, prescriptions, proof of payment).
Direct claim transmission to Co-op by your veterinarian is also possible.
Claim deadline: up to 12 months after the treatment.
Track your claim progress on the portal or by phone/email:
- Phone: 03457 46 46 46
- Email: [email protected]
Reimbursement by bank transfer within 14 days on average (after your claim is validated).
You can also subscribe directly on the official website:
https://www.coop.co.uk/insurance/pet
For any questions during subscription, contact customer service:
Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)
Or email: [email protected]
You can also request it:
- By phone: 03457 46 46 46
- By email: [email protected]
Please provide your contract number, name and address.
Sending by post or electronically, per your preference.
You can also subscribe directly on the official website:
https://www.coop.co.uk/insurance/pet
For any questions during subscription, contact customer service:
Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)
Or email: [email protected]
For administrative assistance (hotline, questions about your policy/claim):
- Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)
- Email: [email protected]
Postal address:
Co-op Pet Insurance c/o Insurance Factory Limited, 45 Westerham Road, Sevenoaks, TN13 2QB, United Kingdom
For psychological support (pet bereavement): a dedicated hotline is available 24/7.
You can also subscribe directly on the official website:
https://www.coop.co.uk/insurance/pet
For any questions during subscription, contact customer service:
Phone: 03457 46 46 46 (Mon-Sat 8am-8pm, Sun 9am-5pm)
Or email: [email protected]
Co-op Pet Insurance, Insurance Factory Limited, 45 Westerham Road, Sevenoaks, TN13 2QB, United Kingdom
Or by email: [email protected]
Or by phone: 03457 46 46 46
Include:
- Contract reference, cancellation reason, full contact information.
- If cancellation < 14 days: withdrawal right, possible refund if no claim (admin fees apply for Time Limited policies).
- If cancellation after a claim, the total premium remains due.
Notice: immediate (written confirmation recommended).
FAQ
Do I need to pay vet bills upfront with Coop Pet Insurance?
With Coop Pet Insurance, you usually need to pay the vet directly for your pet’s treatment, and then claim reimbursement through their online portal or by contacting customer service. In some cases, Coop can pay the vet directly, but you must check with both your vet and Coop before treatment to ensure they accept this arrangement, as it is not guaranteed or systematic. Always keep your invoices and clinical notes for your claim.
How do I cancel my Coop pet insurance policy?
You can cancel your Coop pet insurance by calling their customer service or sending a written request by email or post. You need to give at least 14 days’ notice from receiving policy documents (cooling-off period), or at any time after that. Include your policy number and personal details; for cancellations after a claim, full annual premium may still be owed.
What types of pets and breeds are eligible for Coop Pet Insurance?
Coop Pet Insurance covers cats and dogs from 8 weeks of age, provided they are not from excluded or dangerous breeds, and are not used for commercial, breeding, or professional purposes. Cross-breeds related to banned breeds and pets previously refused by other insurers may also be excluded. Always check the policy’s full eligibility criteria for your pet.
Are pre-existing conditions covered by Coop Pet Insurance?
No, Coop does not cover pre-existing conditions—any illness or injury that appeared or was treated before your policy started or during the initial waiting period will not be covered. Make sure your pet is healthy and all vaccinations are up to date when you take out a new policy, as ignoring these requirements may lead to refused claims.
Does Coop Pet Insurance cover travel or treatment abroad?
Yes, Coop policies include cover for vet fees and certain expenses during temporary trips (up to 30 days per year) within the EU and countries under the Pet Travel Scheme. Cover includes veterinary bills, emergency care, and quarantine costs, but only if you provide proof of compliance and travel within the allowed regions. Always inform Coop before travelling with your pet.
Do I need to pay vet bills upfront with Coop Pet Insurance?
With Coop Pet Insurance, you usually need to pay the vet directly for your pet’s treatment, and then claim reimbursement through their online portal or by contacting customer service. In some cases, Coop can pay the vet directly, but you must check with both your vet and Coop before treatment to ensure they accept this arrangement, as it is not guaranteed or systematic. Always keep your invoices and clinical notes for your claim.
How do I cancel my Coop pet insurance policy?
You can cancel your Coop pet insurance by calling their customer service or sending a written request by email or post. You need to give at least 14 days’ notice from receiving policy documents (cooling-off period), or at any time after that. Include your policy number and personal details; for cancellations after a claim, full annual premium may still be owed.
What types of pets and breeds are eligible for Coop Pet Insurance?
Coop Pet Insurance covers cats and dogs from 8 weeks of age, provided they are not from excluded or dangerous breeds, and are not used for commercial, breeding, or professional purposes. Cross-breeds related to banned breeds and pets previously refused by other insurers may also be excluded. Always check the policy’s full eligibility criteria for your pet.
Are pre-existing conditions covered by Coop Pet Insurance?
No, Coop does not cover pre-existing conditions—any illness or injury that appeared or was treated before your policy started or during the initial waiting period will not be covered. Make sure your pet is healthy and all vaccinations are up to date when you take out a new policy, as ignoring these requirements may lead to refused claims.
Does Coop Pet Insurance cover travel or treatment abroad?
Yes, Coop policies include cover for vet fees and certain expenses during temporary trips (up to 30 days per year) within the EU and countries under the Pet Travel Scheme. Cover includes veterinary bills, emergency care, and quarantine costs, but only if you provide proof of compliance and travel within the allowed regions. Always inform Coop before travelling with your pet.
