ASDA Pet Insurance ( ASDA Insurance Pet )

ASDA Pet Insurance has three levels of pet insurance coverage. ASDA Insurance Pet offers both per condition and a lifetime plan.

They also offer other insurance such as Car, home, travel, Breakdown cover, Life, over 50’s life, motorbike, Van insurance.

ASDA Pet Insurance ‘s website even puts the lowest that the monthly amount can be, on this page you’ll find the lowest price that they listed as well as a higher amount that you can compare to other companies with the same tables and information.

One thing that is good is that they cover replacement cost of pet if it dies from accident OR illness or if it is lost from theft or straying. Many companies will only cover replacement price of pet if it dies from an accident.

You can get 12 months coverage for the superior plan if you’re out of the UK and follow the pets travel scheme.

In the FAQs section on the website, ASDA Insurance Pet tries to answer all the questions that they can think of!!! However, there are many more that aren’t answered that I got by phoning the company to save you time!.

When I phoned ASDA Pet Insurance, I talked with a lady first, she was quite friendly and if she didn’t know an answer, she would find it, the second time I called ASDA Insurance Pet , I talked with Rob and he was very knowledgeable.

And, whatever pet insurance you end up getting, please Leave a Review! To pass on the wisdom you have!

Snapshot Information Chart for 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

Detailed coverage Chart for ASDA Insurance Pet

Value Standard Superior
Vet fees Accident and Illness 1500/ per condition, 12 months 3500/ per condition, 12 months 6000/ condition, no time limit
Routine Care
Hereditary Conditions No (considered pre existing) No (considered pre existing) No (considered pre existing)
Hip dysplasia no no no
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
Quarantine costs 150 500 1000
Behavioural problems
Prescription meds yes yes yes
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

Vet fees- Illness or Accident coverage for ASDA Pet Insurance plans .
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. These are considered routine care and are not covered by ASDA Insurance Pet .
Hereditary conditions- are not covered by ASDA Pet Insurance as they are considered to be pre-existing (even if undiagnosed).
Hip Dysplasia- This is not covered.
Death- Will cover replacement price of pet if dies from accident or illness (for illness cats up to 11 years and dogs up to 9 years). Also if your pet is lost or stolen they will replace the price of pet.
Euthanasia and Cremation Euthanasia is only covered if it is recommended by a vet. Cremation and Burial are not covered by ASDA Insurance Pet .
Boarding- If you go to hospital then you can get coverage for boarding with ASDA Pet Insurance .
Holiday- If you have to cancel your holiday due to your pets sickness then you can get reimbursed for some money that you cannot reclaim in any other way.
Cover abroad- you must follow the pets travel scheme to be covered. Emergency expenses abroad are coverd upto 150 for Value, 250 for standard and 1000 for superior plans)
Quarantine Costs- are covered by ASDA Insurance Pet .
Behavioural problems- are not covered even if recommended by a vet.
Prescription Meds- are covered.
Dental- accidents that need dental work are only covered.
Alternative treatment- ( acupuncture, massage…) is only covered if it is recommended by a vet.
Breeding, Fertility, Pregnancy – are not covered by ASDA Pet Insurance.
Medical devices– I could not get a straight answer, however they said that these sort of claims would need to be sent to the underwriter first.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays)
Third party liability(dogs only) you can get upto 1million coverage within the EU. The excess is 100 wihtin the UK, or 250 if the incident occours outside of the UK.
Accidental Damage– is not covered.
Grooming and Bathing – are not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– are covered if recommended by a vet.


Insurance Helplines coverage chart for ASDA Pet Insurance 

Value Standard Superior
Bereavement counselling included included included
Vet finder included included included
Pet legal included included included
Pet minder included included included

Bereavement counselling-help you deal with death/illness of pet
Vet Finder-help you find local vet if away
Pet legal- help you
Pet minder-help you find a local pet sitter


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.
All breeds? 
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.
Waiting period? 
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.
Extras included? 
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.

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