ASDA Pet Insurance :
|Plan||Accidents and illness||Deductible (per condition)||Max age limit to sign on||Lifetime cover||Price per month|
|Value||1500/ per condition, 12 months||65 , 100 for third party liability||no||No||Dog: 8.60- Cat: 4.20|
|Standard||3500/ per condition, 12 months||65 , 100 for third party liability||no||No||Dog: 10.85- Cat: 4.85|
|Superior||6000/ condition, no time limit||65 , 100 for third party liability||no||No, but the conditions are covered for the lifetime of the pet to the condition maximum||Dog: 14.00- Cat: 5.55|
|Vet fees Accident and Illness||1500/ per condition, 12 months||3500/ per condition, 12 months||6000/ condition, no time limit|
|Hereditary Conditions||No (considered pre existing)||No (considered pre existing)||No (considered pre existing)|
|Death or loss (replacement cost of pet) from accident or illness||200||650||1500|
|Cremation or burial||-||-||-|
|Euthanasia||If recommended by vets||If recommended by vets||If recommended by vets|
|Boarding (if owner hospitalized)||150||500||1000|
|Holiday (trip cancellation)||250||750||1500|
|Cover Abroad||1 month||1 month||12 months|
|Dental (not teeth cleaning)||Accident only||Accident only||Accident only|
|Alternative treatment||If recommended by vet||If recommended by vet||If recommended by vet|
|Breeding, Fertility, Pregnancy||-||-||-|
|Medical devices (ex. Wheelchair for dog)||Yes, but refereed to underwriter first||Yes, but refereed to underwriter first||Yes, but refereed to underwriter first|
|Lost/Stolen pet adds and Reward||200||650||1000|
|Third party liability (dogs only)||1million||1million||1million|
|Accidental Damage (tenant coverage)||-||-||-|
|Grooming and Bathing||-||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||If recommended by a vet||If recommended by a vet||If recommended by a vet|
Insurance Helplines coverage chart for ASDA Pet Insurance
Some Common Questions:
Are Hereditary or Congenital conditions covered?
No, these are both considered to be pre-existing (even if undiagnosed) and so are not covered.
Lifetime insurer (will ASDA Insurance Pet plans cover on-going conditions throughout pets life) ?
No, ASDA Pet Insurance plans are ‘per condition’ and so are not lifetime plans.
10% on both policies (20% total) if you insure more than 1 pet- this is available online only.
Any vet or specific vets only? After hours vets or in home vets?
You can go to any vet you choose.
After hours vets are covered by ASDA insurance pet plans.
Can the vet be paid directly?
They will if the vet agrees with it. You still pay the excess.
If not, How quickly are claims processed?
It depends on how many claims are in at the time, however they try and do it as fast as possible.
Does ASDA Pet Insurance cover examination fee (if it relates to the injury or illness) ?
Routine examinations are not covered. The examination fee is covered if it relates to the injury or illness.
No. see next question.
Dangerous Dog Act?
No, dogs under the Dangerous dog act are not covered by ASDA Pet Insurance Plans
Do I stop getting coverage as my dog ages?
You will continue to get coverage as your dog ages, although their plans are ‘per condition’ so if you’ve used up the amount for a condition, you wont be able to continue to claim for that condition.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, as your dog ages, the monthly price will increase.
Does ASDA Insurance Pet put the monthly price up every year? By how much?
Yes, the monthly amount will go up, they do not say by how much.
Does ASDA Insurance Pet serve all of the UK? Is the monthly amount more depending on where I live?
Check on the PETS travel scheme is where they have coverage.
The monthly amount depends on many things such as breed of your pet, it’s age, sez and also where you live.
10 days. You must wait 10 days before coverage will take effect with ASDA pet insurance.
Do rates increase with more claims/penalized for filing more claims?
Maximum lifetime claim amount?
Only upto the condition, but you can have as many conditions as long as they’re all different.
What is the co-pay?
There is no co-payment with ASDA Insurance pet. Only a deductible.
None to note.
Money back guarantee?
If you cancel within the first 14 days for a full refund. You can cancel at anytime if you haven’t made a claim.
What ASDA Insurance Pet plans don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, breeding, guard or security purposes.
• Treatment not recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.