Post Office Insurance
Everything you wanted to know about Postoffice Insurance!


Post Office Insurance ( Postoffice Insurance )offers Pet Insurance with a one time plan that offers 5000/ condition coverage. There is no maximum age to sign onto their plan.

Some things that Post Office Insurance plans cover that other companies do not are Dental for accidents as well as clinical diets for some conditions.

Postoffice insurance has the underwriter of AXA which is the same as many other companies such as Sainsburys, John Lewis and AXA pet insurance.

Their website is well written with a lot of information about their plans so I didn’t have to ask too many questions when I phoned the company. They did ask a lot of questions to get a quote, such as “have you ever been convicted of a criminal conviction?”. Which seemed a bit too much just to get pet insurance (in my humble opinion).

When I did phone Post Office Insurance for Pets, I talked with Henry who helped to my answers easily.

This page will answer all your questions about Post Office Insurance for pets aswell as information on any other pet Insurance company in the UK or world. There are full information tables, comparison tables, quotes and answers to all your questions so you can make an informed decision before you purchase your pet insurance.

If you end up getting pet insurance, please come back to Leave a review! Thank you!

Snapshot Information Chart for Postoffice Insurance

PlanAccidents or illnessesDeductibleMax age limit to sign onLifetime coverPrice per month*
Post office plan£5000/ condition£75/ condition**nonenoDog: £17.24- 48.41 Cat: £9.22

*The website gives you an annual amount which I divided by 12 to give you your monthly payment.
**Excess is 75 for vet fees and holiday cancellation, however for Third Party Liability excess is £250.

Detailed coverage Chart Post Office Insurance

Post Office Plan
Vet fees Accident and illnesses£5000/ condition
Routine Care-
Hereditary ConditionsYes
Hip dysplasiayes
  
Death or loss (replacement cost of pet)£1000
Cremation£100
EuthanasiaIf no other options only. If it’s your choice then not covered.
  
Boarding or daily minding (if owner hospitalized)£750 for each boarding and daily minding (75/ week)
Holiday (trip cancellation)£1000/ yr
Cover Abroad£2000/ condition
Quarantine costs£1500
  
Behavioural problems£250/ year
Prescription medsyes
Dental (not teeth cleaning)£500 (from injury)
Alternative/ Complimentary treatment1000/ year
Breeding, Fertility, Pregnancy-
Medical devices (ex. Wheelchair for dog)If the vet has recommended it. Can’t be guaranteed over the phone. Will be assessed on a case by case basis.
Lost/Stolen pet adds and rewards£750/ year and 250/ year for rewards
Third party liability (dogs only)£2 million/ incident
Accidental Damage (tenant coverage)£250/ year
Grooming and Bathing-
Pet food, Nutritional supplements, vitamins, natural remediesDiet: £250/ condition (4 weeks max)

Vet fees- Illness or Accident
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. These sorts of things are not covered by Post Office Insurance for pets.
Hereditary conditions- Are covered by Post Office Insurance.
Hip Dysplasia- Are covered under the hereditary conditions.
Death or loss- Will cover replacement price of pet if dies from accident or illness or is lost from straying or theft (90 days).
Euthanasia and Cremation - Cremation is covered upto £100 with Postoffice Insurance.
Boarding- If you go to hospital then they’ll cover upto £750 for boarding (£75 per week).
Holiday- Post Office Insurance will cover upto £1000 towards Holiday cancelation due to pet needing medical care.
Cover abroad- is covered. Three trips per year are covered. Also covered are Loss of Health Certificate (£250), emergency expenses abroad (£500) aswell as repeat tick and worming.
Quarantine Costs- upto £1500 is covered.
Behavioural problems- £250 is covered with Post Office Insurance.
Prescription Meds-
Dental- is only covered for injuries.
Alternative treatment- (acupuncture, massage…) is covered.
Breeding, Fertility, Pregnancy- are not covered by Post Office Insurance.
Medical devices-
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) is covered.
Third party liability(dogs only) -£2 million per incident is covered.
Accidental Damage-You can claim upto £250 for accidental damage.
Grooming and Bathing- is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- upto 250 (4 weeks) is covered for clinical diets.






Insurance Helplines coverage chart for Post Office Insurance .

Post Office Insurance Plan
Bereavement counsellingYes
Vet finder-
Pet legalYes
Pet minderYes

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






Some Common Questions:


Are Hereditary or Congenital disorders covered by Post Office Insurance for Pets?Yes they’re covered as long as they’re not pre existing conditions.



Lifetime insurer (will Postoffice Insurnace cover on going conditions throughout a pets life) ?
No. The condition will be covered throughout your pets life only upto the condition maximum which does not renew. Once you reach the maximum that condition no longer has coverage.



Discounts?
5% additional pets.



Any vet or specific vets only? After hours vets or in home vets?
Yes, you choose your local vet.
Yes, Post Office Insurance will cover the vet bills, from whatever vet gives treatment.



Can the vet be paid directly by Postoffice Insurance?
Yes, if they agree.

If not, How quickly are claims processed with Post Office Insurance?
They did not say how long, however they do try and assess each claim as soon as possible.

Does Postoffice Insurance cover examination fee (if it relates to the injury or illness) ?
Postoffice Insurance doesn’t cover the examination fee.

All breeds?
No: Post Office Insurance does not cover: American Bulldog, American Bullmastiff, American Pit Bull Terrier, American Staffordshire Bull Terrier, Beauceron, Bernese Mountain Dog, Bullmastiff, Cane Corso, Czechoslovakian Wolfdog, Deerhound, Dogo Argentino, Dogue Brasileros, Dogue de Bordeaux, Fila Braziliero, Irish Staffordshire Bull Terrier, Japanese Tosa, Mastiff, Neapolitan Mastiff, Northern Inuit, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, Pyrenean Mastiff, Sarlooswolfhound, Sharpei, Spanish Mastiff, Tibetan Mastiff, Tosa Inus, Utonagan or a dog crossed with these breeds, wolves or wolf hybrid



Dangerous Dog Act?
Breeds under the dangerous dog act are not covered by Postoffice Insurance.

Do I stop getting coverage as my dog ages?
Cover throughout its life.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, older pet, the more it’ll go up.

Does Postoffice Insurance put the monthly price up every year? By how much?
Yes, the monthly amount may change depending on things such as; Age, where you live, neutering, breed of dog. Etc.

Does Post Office Insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, they serve all of the UK.

Yes, the monthly amount is affected by where you live as vet prices change depend on where you live, so the monthly amount is too.

Waiting period?
You must wait14 days for illness before your coverage starts.



Do rates increase with more claims/penalized for filing more claims?
Your rate isn’t affected by the number of claims you make.

Is there a Maximum lifetime claim amount with Postoffice Insurance?
Only per condition- 5000, then no longer covered for that condition.

What is the co-payment with Postoffice Insurance?
There is no co-payment/ co-insurance with Post Office Insurance.

Extras included?
None to note.

Money back guarantee?
You can change your mind within 14 days after receiving policy documents.






What they 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, guarding, law enforcement or any business, trade, profession or occupation.
• 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.
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.

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






Click here to return from Post Office Insurance to UK Pet Insurance

Click here to return from Postoffice Insurance to Pet Health Insurance (home)

New! Comments

Have your say about what you just read! Leave me a comment in the box below.