Aviva Insurance
3 Lifetime plans to choose from!

Aviva Insurance is one of the Britain’s largest insurance companies and also does pet insurance! In this article, I explain everything you wanted to know about the three options for Aviva Pet Insurance.

Aviva insurance coverage for pets is very comprehensive. With lifetime plans and many more benefits.




Some quick facts about all Aviva pet insurance plans:

• Third party liability: upto £1million!
• Access to 4 Helplines such as vet finder, bereavement counseling, pet legal and pet minder.
• Coverage for travel to other EU countries.





When I e-mailed Aviva Insurance for answers to some of the questions that aren’t answered on their site, they responded quickly, however they only told me to call their switchboard.
When they were phoned, the man was very helpful.

Aviva Insurance plans have annual coverage and so will re-new each year to give you the same amount the following year.

On this page you will find answers to most of your questions about Aviva Pet Insurance. From What is covered to common important questions.

Snapshot Information Chart for Aviva Insurance

PlanMax vet fees- Accidents, illnessExcess (per condition per year)Max age limit to sign onLifetime coverPrice per month
Silver£1500/yr£75* + 0, 25, 50, 1009 years for dogs, 11 for catsYesDog: 5.74- 58.14 Cat: 3.79- 5.13
Gold£3500/yr£75* + 0, 25, 50, 1009 years for dogs, 11 for catsYesDog: 8.52- 90.06 Cat: 4.88- 6.57
Platinum£6500/yr£75* + 0, 25, 50, 1009 years for dogs, 11 for catsYesDog: 11.37-121.73 Cat: 6.45- 8.21

**No maximum age limit for Aviva Insurance. Aviva insurance will insure your pet no matter it’s age (but will not cover death due to illness for dogs over 9, and cats over 11).

*Excess-pets under 7yrs old, excess is only £75/condition/year. For pets over 7 years old, excess is £75/condition/year plus a further 15% of the remaining cost of treatment.

You can also choose an additional extra excess so that you’re monthly amount is lower.
Excess for third party liability is 100.

Detailed coverage Chart for Aviva Insurance

SilverGoldPlatinum
Vet fees Accident, illnessUpto £1500/yrUpto £3500/yrUpto£6500/yr
Routine Care---
Hereditary ConditionsyesyesYes
Hip dysplasiayesyesyes
    
Death (replacement cost of pet)-£500£1000
Cremationyesyesyes
Euthanasia---
    
Boarding (if owner hospitalized)-£500£1000
Holiday (trip cancellation)-£1000£2000
Cover AbroadUpto 6 monthsUpto 6 monthsUpto 6 months
Quarantine costs---
    
Behavioral problemsUpto £200/yrUpto £200/yrUpto £200/yr
Prescription meds---
Dental (not teeth cleaning)yesyesyes
Alternative treatmentyesyesyes
Breeding, Fertility, Pregnancy---
Medical devices (ex. Wheelchair for dog)yesyesyes
Lost/Stolen pet adds-£500£1000
Third party liability (dogs only)£1million£1million£1million
Accidental Damage (tenant coverage)---
Grooming and Bathing---
Pet food, Nutritional supplements, vitamins, natural remedies---

Vet fees- Illness or Accidents are covered.
Routine/Preventative care- are not covered.
Hereditary conditions- are covered.
Hip Dysplasia- are covered.
Death- Will cover replacement price of pet if dies from accident or illness (for dogs less than 9yrs, cats less than 11yrs) for gold and platinum plans only.
Euthanasia- is not covered.
Cremation – included in max vet fees (max £100)
Boarding- If you go to hospital for more than 48hrs, boarding is covered for gold and platinum plans only.
Holiday- cancel holiday due to pet accident, you are reimbursed for gold and platinum plans only.
Cover abroad- you can travel to EU countries according to PETS travel scheme for upto 6 months.
Quarantine Costs- are not covered.
Behavioral problems- if prescribed/ referred by vet they are covered upto 200/ year.
Prescription Meds- are not covered.
Dental- is covered (check with them for more information)
Alternative treatment- included in vet fees.
Breeding, Fertility, Pregnancy- are not covered.
Medical devices- are covered.
Lost/Stolen Pet -Advertising to find pet if lost/stolen/strays are covered for gold and platinum plans only.
Third party liability(dogs only)- you can get upto 1 million coverage.
Accidental Damage- is not covered.
Grooming and Bathing- are not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- are not covered.








Insurance Helplines coverage chart.

SilverGoldPlatinum
Bereavement counselingincludedincludedincluded
Vet finderincludedincludedincluded
Pet legalincludedincludedincluded
Pet minderincludedincludedincluded

Bereavement counseling- help you deal with death/illness of pet
Vet Finder- help you find local vet if away
Pet legal- help answer your pet legality questions.
Pet minder- help you find a local pet sitter






Some Common Questions:

Are Congenital and hereditary disorders covered?
Yes, they’re covered.



Lifetime insurer (will they cover on going conditions throughout pets life) ?
Yes, each year the annual amount will renew.

Discounts?
Online discount of 10%Multipet discount of 10%



Any vet or specific vets only? After hours vets or in home vets?
You can go to your regular vet.After hours vets?If it is necessary for your pets health. Out of hours fees vets are looked at an individual basis.

Can the vet be paid directly?
Yes, you just need to contact Aviva and they will contact your vet so you don’t have to pay first.



If not, How quickly are claims processed?
Generally they aim for 2 weeks. Sometimes it takes longer or less time.

Does Aviva Insurance cover examination fee (if it relates to the injury or illness) ?
Yes, this is covered.

All breeds?
Working dogs such as sheep dogs, gun dogs, dogs for the blind and other assistant dogs are covered….….. however, pets used for purposes of commercial, guard, security or training or dogs under the Dangerous dog act are not covered.-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.



Dangerous Dog Act?
Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)



Do I stop getting coverage as my dog ages?
You’ll keep getting coverage no matter your pets age.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
When the dog is 7 years old and above there is a 15 percent co-insurance so basically you have to pay 15% of the claim yourself.



Does Aviva Insurance you put the monthly price up every year? By how much?
When the dog is 7 years old and above there is a 15 percent co-insurance so basically you have to pay 15% of the claim yourself.



Does Aviva Insurance serve all of the UK? Is the monthly amount more depending on where I live?
All of the UK is covered.The Monthly amount is the same all over the country.



Waiting period?
10 days for illnesses where you cant claim for them



Do rates increase with more claims/penalized for filing more claims?
Premiums are NOT based on you individually, only on statistics… if thousands of people are making more claims, then the price will go up on this fact, but not on the number of claims you make individually. There are a lot of factors to determine the rate.

Maximum lifetime claim amount?
No- only yearly maximum.



What is the co-pay?
For pets over 7 years old, excess is £75/condition/year plus a further 15% of the remaining cost of treatment.



Extras included?
None to mention.



Money back guarantee?
trial periodNo. There is no Money back guarantee at the beginning of signing on.






What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions (10 days prior to getting policy).
• Will cover injury and illness from year to year (Thus is a “lifetime insurer”).
• No coverage for activities that result from: commercial, guard, security or training.
• 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.
o click 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.
• If your pet needs to be euthanized due to a court order OR contagious diseases act OR if it is euthanized to protect livestock

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.




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