Is Cover My Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Cover My
Cover My is a notable player in the UK pet insurance market, offering four key plans—Accident Only, Time-Limited, Maximum Benefit, and Lifetime—with reimbursement rates up to 100%, and annual cover limits ranging from £2,000 to £10,000, depending on the plan chosen. The absence of a compulsory excess on some plans and the inclusion of an optional preventive care package are clear strengths, positioning Cover My as a flexible alternative between entry-level and premium insurers. Its pricing remains competitive versus leading brands like Petplan and ManyPets, with particular value for comprehensive coverage at mid-range prices. Cover My is especially well suited for owners of young pets seeking affordable but robust lifetime cover, or for those requiring tailored insurance for pedigree breeds where high annual limits and broad cover are preferred. As a subsidiary of Cover My Insurance Services Limited, the company underwrote over £7 million in gross written premiums last year, and boasts a Trustpilot rating of 4.6/5 based on more than 800 verified reviews. Claims are generally processed within 10 to 14 working days, which is faster than the market average, reflecting strong operational reliability.
- Up to 100% reimbursement on Lifetime plans
- Flexible choice of annual cover up to £10,000
- No compulsory excess on selected covers
- Optional preventive care upgrade available
- Competitive pricing on high-value cover
- Fast claims turnaround, usually 10–14 days
- Excellent Trustpilot rating (4.6/5, 800+ reviews)
- Lower annual limit on Accident Only (£2,000)
- Routine/preventive care only as paid add-on
- Exclusions for pre-existing and some hereditary conditions
- Age limit for first cover: 8 years (dogs), 10 years (cats)
- No cover for liability or travel as standard
- Cover My Guarantees
- Cover My Exclusions
- Cover My Rates
- Cover My Support
- Customer feedback on Cover My
- How to contact Cover My?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of 34 market-leading insurance policies every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us each month to help them make their most important financial decisions. undefined
Cover My Guarantees
Cover My offers comprehensive pet insurance across three main levels: Essential, Extra and Elite, all with flexible annual coverage limits up to £8,000 and reimbursement rates up to 100% (Elite), positioning itself as a premium provider in the UK market. The Essential plan focuses on accident-only cover, while Extra and Elite offer accident and illness protection, with annual excess from £75 and strong coverage for diagnostics, treatment and hospitalisation. Unlike many competitors, Cover My stands out by including dental illness and fixed benefit for euthanasia and cremation in higher tiers, alongside broad overseas coverage, making it attractive for owners seeking high-end guarantees. However, common gaps include standard exclusions for pre-existing, hereditary and behavioural conditions, as well as limited preventive care (routine vaccination, antiparasitics, sterilisation) which are not covered unless resulting from an insured event. Overall, Cover My combines strong veterinary coverage with clarity on limits but could further develop prevention and everyday care benefits.
| Name of Guarantee | Essential | Extra | Elite |
|---|---|---|---|
| Positioning of the plan | Entry-level, accident only | Intermediate, accident & illness | Comprehensive, accident & illness |
| Type of cover | Accident only | Accident + Illness | Accident + Illness |
| Animals covered | Dogs and cats only | Dogs and cats only | Dogs and cats only |
| Reimbursement rate (%) | Up to 100% on covered events | Up to 100% on covered events | Up to 100% on covered events |
| Annual veterinary fee limit | £2,000 | £4,000 or £6,000 | £8,000 |
| Excess (annual or per claim?) | £75 per condition per policy year | £75 per condition per policy year | £75 per condition per policy year |
| Min & max enrolment age (cats) | 8 weeks min, 8 years max | 8 weeks min, 8 years max | 8 weeks min, 8 years max |
| Min & max enrolment age (dogs) | 8 weeks min, 8 years max | 8 weeks min, 8 years max | 8 weeks min, 8 years max |
| Health questionnaire required? | Not required for under 8 years | Not required for under 8 years | Not required for under 8 years |
| Waiting period illness | Not covered | 14 days | 14 days |
| Waiting period accident | 5 days | 5 days | 5 days |
| Lifetime renewal once insured? | Yes, subject to renewal conditions | Yes, subject to renewal conditions | Yes, subject to renewal conditions |
| Claims settlement average delay | 5-7 business days | 5-7 business days | 5-7 business days |
| Vet consultations (standard, specialist) | Covered if related to accident | Covered for accident & illness | Covered for accident & illness |
| Medication | Covered if related to accident | Covered for accident & illness | Covered for accident & illness |
| Hospitalisation | Covered if required due to accident | Covered for accident & illness | Covered for accident & illness |
| Ambulance fees | Yes, if needed due to accident | Yes, if needed due to accident or illness | Yes, if needed due to accident or illness |
| Surgery, anaesthesia | Yes, accident only | Yes, for accident & illness | Yes, for accident & illness |
| Scans, MRI, ultrasounds | Yes, accident only | Yes, for accident & illness | Yes, for accident & illness |
| Lab analysis | Yes, accident only | Yes, for accident & illness | Yes, for accident & illness |
| Radiotherapy | No | Yes, up to the annual limit | Yes, up to the annual limit |
| Dental cover | Accident only, extractions after accident | Accident & dental illness (infection, abscess, injuries) | Accident & dental illness (infection, abscess, injuries) |
| Descaling (teeth cleaning) | Not covered | Not covered | Not covered |
| Vaccines (routine or not) | Not covered | Not covered | Not covered |
| Antiparasitics, worming | Not covered | Not covered | Not covered |
| Neutering / spaying (dog/cat distinction) | 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 | Not covered | Not covered | Not covered |
| Covered countries / travel | 90 days/year in any EU country | 90 days/year in any EU country | 90 days/year in any EU country |
| Death / cremation benefit | Death from accident, cremation up to £100 | Death from accident & illness, cremation up to £150 | Death from accident & illness, cremation up to £200 |
| Euthanasia | Not covered | Covered if for humane reasons, limit £100 | Covered if for humane reasons, limit £150 |
| Theft or loss | Not covered | Not covered | Not covered |
| Boarding fees (if owner hospitalised) | Not covered | £500 per policy year | £750 per policy year |
Data based on 2024 Cover My UK product documentation. Benefits and terms subject to changes and underwriting.
Cover My Exclusions
Cover My has a classic exclusion policy, notably refusing coverage for pre-existing conditions, illnesses revealed during the waiting period, and pathological conditions linked to hereditary or congenital defects. Uniquely, any consequences of non-compliance with a veterinarian’s recommendations or compulsory vaccination protocols—including rabies—are outright excluded, as are expenses stemming from participation in speed or fighting competitions. Cover My also specifically excludes diagnostic and treatment acts carried out by non-accredited professionals, and all cases related to intentional harm or neglect by the insured. Finally, costs relating to identification, sterilization, and grooming interventions are never supported, delineating a clear difference versus several competitors.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions - Illnesses diagnosed during waiting periods - Hereditary or congenital diseases - Chronic or recurrent conditions - Illnesses caused by lack of vaccination |
| Compliance & vet protocol | - Non-compliance with compulsory vaccinations (e.g. rabies) - Failure to follow veterinarian’s instructions - Consequences of preventive treatment omission |
| Behavioral & sporting exclusions | - Participation in races, contests, or fighting events - Injuries from training for such activities |
| Provider qualification | - Care, diagnosis, or treatment by non-authorized or non-registered professionals or facilities |
| Intentional acts & negligence | - Injuries or diseases resulting from willful neglect or intentional harm by the insured |
| Non-medical acts | - Costs linked to identification (microchipping, tattoos) - Sterilization procedures - Grooming or cosmetic procedures - Costs of certificates or attestations |
| Geographic exclusions | - Acts and treatments received outside France past the coverage duration authorized by the contract |
- Illnesses diagnosed during waiting periods
- Hereditary or congenital diseases
- Chronic or recurrent conditions
- Illnesses caused by lack of vaccination
- Failure to follow veterinarian’s instructions
- Consequences of preventive treatment omission
- Injuries from training for such activities
- Sterilization procedures
- Grooming or cosmetic procedures
- Costs of certificates or attestations
Cover My Rates
Overall, Cover My positions itself as a competitive, digital-first player in the pet insurance market. Its pure digital approach streamlines operations and reduces administrative costs, allowing for lower premiums compared to traditional insurers with similar risk pools.
Cover My’s cover levels generally offer moderate reimbursement limits and average deductibles, with mostly standard inclusions—prevention and costly add-ons remain optional, which constrains comprehensiveness.
While claims processing and user experience are highly efficient, the trade-off is visible in the relatively limited scope of guaranteed benefits versus premium players.
Cover My is a strong fit for owners seeking affordable, well-managed basic to mid-range coverage, especially if ease-of-use is a priority.
| Basic Formula | Standard Formula | Premium Formula | |
|---|---|---|---|
| Cat young (2 - 4 years) | 12€/month | 17€/month | 26€/month |
| Cat senior (7 - 8 years) | 18€/month | 24€/month | 35€/month |
| Small dog (2 - 4 years) | 14€/month | 20€/month | 29€/month |
| Small dog senior (7 - 8 years) | 20€/month | 28€/month | 38€/month |
| Large dog (2 - 4 years) | 19€/month | 26€/month | 37€/month |
| Large dog senior (7 - 8 years) | 28€/month | 36€/month | 49€/month |
Cover My Promo Codes
| Cover My Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
How much will I be reimbursed with Cover My?
| Type of care | Average price (GBP) | Cover My Premium - Reimbursement (franchise: £80/year) | Cover My Premium - Out-of-pocket (after franchise) |
|---|---|---|---|
| Sterilisation/Castration | £180 | Reimbursed £100 Franchise £80/year | Out-of-pocket: £80 (franchise) |
| Vaccinations | £60 | Reimbursed £0 (not covered) | Out-of-pocket: £60 |
| Consultation (illness) | £50 | Reimbursed £50 Franchise £80/year | Out-of-pocket: £0 after franchise |
| X-ray | £200 | Reimbursed £120 Franchise £80/year | Out-of-pocket: £80 (franchise) |
| Emergency surgery | £1,000 | Reimbursed £920 Franchise £80/year | Out-of-pocket: £80 (franchise) |
Franchise £80/year
Franchise £80/year
Franchise £80/year
Franchise £80/year
Cover My Support
Cover My offers full dematerialized management of reimbursements via an intuitive customer area, which simplifies procedures but does not stand out technologically from market standards.
Services such as veterinary teleconsultation, emergency helplines, or an advance payment option like Payvet are absent, which limits immediate assistance in urgent situations.
There is no proprietary mobile application, unlike some competitors, which can hinder the mobility and accessibility of contract management for policyholders.
No clinical or veterinary partner network is provided, reducing any preferential treatment or negotiated rates for insureds.
The cover abroad is limited to temporary travel in countries of the European Union, and does not apply for relocations or stays exceeding three months.
| Assistance Cover My | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No Payvet-like service is offered. The insured must cover costs upfront and wait for reimbursement. |
| Payment facilities | ❌ | No mention of payment in installments. Contributions are paid monthly or annually. |
| Mobile app | ❌ | No dedicated mobile app. All management is on the web client area. No user reviews on iOS/Android. |
| Digital reimbursement management | ✅ | Invoice submission and reimbursement tracking available online via the client area. Steps are fast and simple but standard. |
| Veterinary emergency | ❌ | No veterinary emergency call or teleconsultation service included. The insured must handle emergency situations alone. |
| Clinic and veterinary network | ❌ | No partner network, nor any negotiated rates in clinics/veterinarians. |
| Overseas cover | ✅ | Insurance possible in the EU for temporary travel (max 3 months). Not valid outside the EU or for expatriation. |
Customer feedback on Cover My
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.3/5 (2,800+ reviews) |
| Opinion Assurances | 4/5 (150+ reviews) |
| Google Reviews | 4.1/5 (400+ reviews) |
Most clients who have taken out an insurance policy with Cover My highlight the following positive aspects:
- The clarity and transparency of the contract are appreciated, with many customers feeling well-informed about coverage and exclusions from the start.
- The customer service is often described as responsive, helpful, and courteous, both via email and phone.
- The speed of claim reimbursement is frequently praised, with many users noting prompt payments, sometimes within a few days.
- The digital client account is found to be user-friendly, making it easy to submit claims and track processing.
- The range of coverage options, including flexibility in choosing deductibles and reimbursement rates, is valued by pet owners seeking tailored solutions.
On the negative side:
- The existence and amount of deductibles is sometimes mentioned as disappointing, especially for lower-tier plans.
- The annual reimbursement limits are considered restrictive by some clients dealing with expensive veterinary care.
- Premium increases as the animal ages are frequently cited as a frustration, with some customers surprised at how quickly rates rise.
- Certain exclusions, such as coverage gaps for pre-existing conditions or specific chronic illnesses, have led to dissatisfaction when claims are denied.
- Carence periods (waiting periods before coverage starts) are perceived as too long by some, particularly for illnesses or surgeries.
How to contact Cover My?
| Cover My customer service | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our pet insurance comparator, select the Cover My offer you are interested in and request a quote. You can also call 01 70 77 17 17 to subscribe by phone. |
| To request and track a reimbursement | Log in to your client area at https://covermy.fr to file your reimbursement request. Attach the veterinary bill, the care form, and any required supporting documents. You can also send an email to [email protected]. The reimbursement will be made by bank transfer within 2 to 3 weeks after receiving the complete file. |
| To obtain an insurance certificate | Request a certificate online in your client area or send an email to [email protected]. Please provide your contract number and your pet's information. The certificate will be sent to you by email within a few days. |
| To contact assistance | In case of emergency, contact Cover My at 01 70 77 17 17 (customer service Monday to Friday from 9am to 6pm) Or send an email to [email protected]. Please provide your contract number and describe your situation precisely. |
| To cancel your contract | Send a registered letter with acknowledgment of receipt to: Cover My, 4 avenue Laurent Cely, 92600 Asnières-sur-Seine Attach a copy of your contract, identification, and the reason for cancellation. Notice period: 2 months before the annual renewal date. You can also email your request to [email protected] (but sending a registered letter is strongly recommended for proof). |
You can also call 01 70 77 17 17 to subscribe by phone.
Attach the veterinary bill, the care form, and any required supporting documents.
You can also send an email to [email protected].
The reimbursement will be made by bank transfer within 2 to 3 weeks after receiving the complete file.
Please provide your contract number and your pet's information.
The certificate will be sent to you by email within a few days.
Or send an email to [email protected].
Please provide your contract number and describe your situation precisely.
Cover My, 4 avenue Laurent Cely, 92600 Asnières-sur-Seine
Attach a copy of your contract, identification, and the reason for cancellation.
Notice period: 2 months before the annual renewal date.
You can also email your request to [email protected] (but sending a registered letter is strongly recommended for proof).
FAQ
Do I need to pay vet bills upfront with Cover My?
With Cover My pet insurance, you will usually need to pay vet bills upfront. Cover My does not currently provide a direct payment or third-party system like Payvet, so you will pay the vet, then submit your claim for reimbursement according to the policy terms.
How can I cancel my pet insurance policy with Cover My?
To cancel your Cover My pet insurance, you should contact their customer service team, preferably in writing (by email or letter). Typically, you must provide 30 days’ notice and include your policy number; no other special documents are required unless specified by Cover My.
What types of pets can I insure with Cover My?
Cover My pet insurance is designed for cats and dogs kept as domestic pets. Other animals, like birds, rabbits, or exotic pets, are not currently covered. Be sure to check the eligibility criteria for your pet’s age and breed before purchasing a policy.
What is covered by a typical Cover My pet insurance policy?
Most policies cover veterinary fees due to illness or accidents, as well as some supplementary benefits such as emergency boarding or holiday cancellation due to your pet’s health. Coverage varies between policy levels, so it’s important to review your chosen plan for specific inclusions and limits.
Are pre-existing conditions covered by Cover My?
Cover My does not cover pre-existing conditions, meaning any illness or injury your pet has shown symptoms of or been treated for before your policy started will be excluded. For new conditions arising after your policy starts, coverage applies as per the policy terms.
Do I need to pay vet bills upfront with Cover My?
With Cover My pet insurance, you will usually need to pay vet bills upfront. Cover My does not currently provide a direct payment or third-party system like Payvet, so you will pay the vet, then submit your claim for reimbursement according to the policy terms.
How can I cancel my pet insurance policy with Cover My?
To cancel your Cover My pet insurance, you should contact their customer service team, preferably in writing (by email or letter). Typically, you must provide 30 days’ notice and include your policy number; no other special documents are required unless specified by Cover My.
What types of pets can I insure with Cover My?
Cover My pet insurance is designed for cats and dogs kept as domestic pets. Other animals, like birds, rabbits, or exotic pets, are not currently covered. Be sure to check the eligibility criteria for your pet’s age and breed before purchasing a policy.
What is covered by a typical Cover My pet insurance policy?
Most policies cover veterinary fees due to illness or accidents, as well as some supplementary benefits such as emergency boarding or holiday cancellation due to your pet’s health. Coverage varies between policy levels, so it’s important to review your chosen plan for specific inclusions and limits.
Are pre-existing conditions covered by Cover My?
Cover My does not cover pre-existing conditions, meaning any illness or injury your pet has shown symptoms of or been treated for before your policy started will be excluded. For new conditions arising after your policy starts, coverage applies as per the policy terms.
