Information you need for your pet insurancequote
To get a quote quickly, make sure you have thefollowing:
Pet details
- Name
- Gender
- Breed
- Age
- Purchase or donation price
- Spay or neuter status
Your details
- Name
- Date of birth
- Address
- Email address
- Phone number
- Date you'd like the policy to start
Don't miss our 15% Multi-Pet discount
Multi-Pet Insurance offers a discount of up to 15% per pet and keeps your whole pack covered.
You could get 10% off if you're an existing Admiral customer too.
If you qualify for both discounts, we'll take 10% off the full price and a further 15% off the new discounted price - so your total discount will be 23.5%.
Are you feeding your pets the right stuff?
We're excited to partner with Burns, the pet nutrition experts. Burns provide premium quality natural food with simple ingredients that support cats and dogs throughout their lives.
How we calculate your pet insurance cost
Calculating your insurance premium involves many factors, as health involves lots of risk. Remember, the cheapest pet insurance may not have the cover your pet needs.
Typically, we'll use this information to calculate your pet insurance quote:
- Age – Like us, animals are more prone to illness as they get older. This means that every year, your insurance premium will increase.
- Breed – some breeds can suffer from medical conditions more often, which can increase their premium. For example, you're more likely to claim if you have a pedigree pet.
- Location – your premium is linked to the cost of vet treatment in your local area. If vet treatment is expensive where you live, then you'll have pricier premiums.
- Claims history - your claim history may affect your price. You’re likely to pay more if you have claimed.
- Medical advances – Medical advancement can sometimes mean more expensive or cheaper treatment which impacts your premium. Premiums will reflect the introduction of new treatment options.
- Legislation – we don't have any say in how much tax we pay on each policy. This can mean we charge more if the government raises the Insurance Premium Tax rate.
How to make your pet insurance cheaper
There are a few things you can do to lower your pet insurance costs:
Look after your pet | Healthy pets typically incur fewer vet bills which means you’ll enjoy lower pet insurance costs. | |
---|---|---|
Choose the breed carefully | Some breeds are more expensive than others. Pedigree breeds, for example, are more likely to require care, which can increase premiums. | |
Spay or neuter your pet | Spaying and neutering your pet can reduce premiums as the process reduces the chance of contracting certain diseases. | |
Make the most of Multi Pet and existing customer deals | Get a great deal with Multi Pet and existing customer discounts. |
Your questions answered
My policy begins with ADMP or ADMM
What is excess?
Excess is an amount you will have to pay towards a claim. With us, all pets under the age of 6 will have a £99 excess. Pets 6 years and over will have an excess of £199.
You can choose to pay the higher excess of £199 if you have a pet under age 6. We’ll deduct this amount from the claims settlement.
There is a £250 excess applied once per claim for Third Party Liability cover (dogs only) and third-party accidental damage cover available on our Platinum tier.
What is a pre-existing condition?
A pre-existing condition is any illness, injury or complication that results from an injury or illness.
A pre-existing condition can be diagnosed or undiagnosed. It refers to a medical condition that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance.
A condition is considered pre-existing when it happens within the first 14 days of the policy for illness or 24 hours in the case of injury.
We don’t cover for pre-existing conditions.
Will my price change at renewal?
Your premium may change due to a few factors:
- Age
- Breed
- Location
- Claims history
- Medical advances
- Legislation
Prices are reviewed annually, and we will let you know your new price, including what you paid last year, as a reference.
Do I get discount for adding more pets?
Absolutely!
You can get a 15% discount of each policy if you insure more than one cat or dog in your home with our Multi-pet insurance.
Can I get help from a vet out of hours?
Yes.
Our partnership with Pawsquad gives you 24/7 access year-round to a qualified vet with at least five years’ experience. You can chat to this vet over text, video or telephone at any time.
More about PawSquad
How do I renew my pet insurance?
If you pay monthly by Direct Debit your policy will automatically renew after 12 months. If you pay annually, you’ll be invited to renew by email or letter at the end of each term.
If you’d like to opt in or out of your automatic renewal, please call our customer services team on 03337777361.
How do I make a claim on my pet insurance?
If you need to submit a claim, please click here. For more information on how to submit a claim, or contact an advisor, please visit our Make A Claim page.
Will you pay the vet directly?
Payments can be made directly into your or your vet’s bank account. We just need the account details.
What vet can I use?
You can use whatever vet you want – we’ll never tell you which practice to use.
If you've not registered with a practice yet, visit the Royal College of Veterinary Surgeons database to find a vet near you.
How do I make a complaint?
If our service isn’t up to standard, let us know on our complaint page.
My policy begins with ADU or ADH
How many pets can I add to my policy?
There's no limit to how many cats or dogs you add to your Admiral Pet Insurance policy. Adding more pets will net you a multi-pet discount too.
What is my pet excess?
An excess of £100 is deducted from your benefit for each individual illness or accidental injury treated.
For pets over six-years-old an additional 20% is deducted for Veterinary Fees, Complimentary Medicine, Cruciate Ligament Damage, Special Diet and Dentistry (where these are covered) for each claim payment. This amount is deducted from the claims settlement.
Here's an example calculation for the amount you'll pay in the event of a claim for pets over six-years-old if a valid claim happens for veterinary fees totalling £400:
- The amount claimed = £400
- Minus the fixed excess of £100 = £300
- Minus the variable excess of 20% (£60) = £240
- Total excess paid by you (£100 + £60) = £160
- Total paid by us = £240
A £250 excess applies once per claim for Third Party Liability cover (dogs only).
Will my pet be covered for third party damage?
Accidental Damage (Premier and Premier Plus Only) If your pet damages someone else's personal items while in their property we will cover the cost to repair the damage or replace subject to the cover limit. Exceptions apply, see Section 8 of the policy booklet for full terms and conditions.
What is Third Party Liability for dogs?
This offers cover if your dog injures a person or another animal or causes damage to a property. It covers compensation, claimant costs and expenses such as legal costs and expenses subject to the cover limit.
See Section 10 of your policy booklet for full terms and conditions
Is there an age limit for covering my pet?
Your pet must be at least eight-weeks-old to get cover. There's no upper age limit, making our Pet Insurance perfect for older pets too.
How do I update my pet insurance policy details?
You can call the customer services team on 03337777361.
How do I renew my pet insurance?
If you pay monthly by Direct Debit you don't need to worry about calling – your policy will automatically renew after 12 months.
If you pay annually, you’ll be invited to renew at the end of each term. To speak to someone in the Renewals team, call 03337777361.
How do I make a claim?
If you need to make a claim you can:
- Download a claim form
- Call 03337777361
- Email petclaims@insurancefactory.co.uk
- Write to Admiral Pet Insurance, 5th Floor, Connect Centre, Kingston Crescent, Portsmouth, PO2 8DE
Will you pay the vet directly?
We can pay your vet directly– just check with them and let us know.
Payments can be made directly into your or your vet's bank account if we hold the account details. Alternatively, you can get a cheque.
What vet can I use?
You can use whatever vet you want – we’ll never tell you which practice to use.
If you've not registered with a practice yet, visit the Royal College of Veterinary Surgeons database to find a vet near you.
How do I make a complaint?
If you're unhappy with any part of the service, please write to the Complaints Department at Insurance Factory Ltd, 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth, PO63EN.
Alternatively, you can call on 03337777361 or email complaints@insurancefactory.co.uk.
For more details on our complaint procedure, please click here.
Your policy transfer to EUI
Transfer of policies
Admiral (EUI) will be taking over the administration of the Pet insurance policies from Insurance Factory Limited. For any policies due to renew on or after 20/06/2024 you will be sent a letter explaining what is happening near your renewal date.
Why are you changing administrator / underwriter?
Currently your Admiral policy is arranged and administered by Insurance Factory Limited. In keeping with Admiral's (trading name of EUI Ltd) desire to provide an increasingly effective service to our customers, we are taking over the administration and underwriting of the Pet Insurance product, and no longer using Insurance Factory Limited as a third-party administrator.
Will my cover change?
The new policies will be similar to the current ones, however we will no longer be offering Maximum Benefit or Accident Only policies. If you have one of these, EUI Ltd will be more than happy to offer you one of our other products. Your current cover will cease on the renewal date, so it's important you contact us following this letter to talk through your options. EUI Ltd are continuing to offer Time Limited and Lifetime policies, all changes will be outlined in your policy documents.
What happens if I have an Accident Only or a Maximum Benefit policy?
We no longer offer Accident only or Maximum Benefit policies. From your renewal date the policy will lapse. We will send communication to remind you of this, and you will need to take another policy in order for your pet(s) to be insured. We're pleased to be able to offer a new policy on one of our other products that will cover any previous accident claims up to the same limit you currently enjoy, provided you accept a new policy with us. In addition, this will also offer cover for new Accident and Illness claims going forward.
What happens if I’ve made a claim?
Any ongoing claims already in process will be dealt with by Insurance Factory Limited. Any new claims that occur after your policy end date will be dealt with by EUI Ltd provided you accept the revised policy from the policy end date. Any conditions that existed prior to the inception of your Insurance Factory Limited policy would not be covered with Admiral.
If you need to submit a new claim prior to your renewal date, you can do so as normal by contacting the Insurance Factory Claims team on 03337777361 or email petclaims@insurancefactory.co.uk.
Will my price change?
Your premium may change due to factors such as your pet getting older, so the chance of your pet getting ill increases. Prices are reviewed annually, and EUI Ltd will let you know your new price, including what you paid last year as a reference.
What do I need to do?
Around 60 days prior to your renewal you'll be sent a letter from Insurance Factory Limited. Once you receive your letter, you need to decide if you want your personal details (which may include your bank account details if you pay by Direct Debit) passed to EUI Ltd. If you are happy for this to happen, you don't need to do anything. We will send you a quote for your pet insurance ensuring that you have continual cover.
If you don't want Insurance Factory Limited to pass your personal details to Admiral Insurance, please follow the instructions in your letter.
What if I change my mind after opting out?
If you've already contacted The Insurance Factory to opt out of your data being transferred, and would like to change your mind, please call Insurance Factory Limited on 03337777361 immediately to confirm you'd like your data shared with EUI Ltd. They'll then send your new policy details including the price and details of any changes between the old and new policy.
Please make sure you contact us prior to the renewal date.
When will I receive my letter?
You will receive the first letter around 60 days prior to your renewal date, with reminder sent closer to the renewal date.
Can I shop around?
While we hope you will stay with us again this year, you may be able to save money if you shop around. Please bear in mind that it's not just the insurance prices that vary. Even if another insurer is quoting a similar price to ours, the levels of cover and policy benefits they offer may be different. It's important that you compare carefully and choose the policy that meets your needs.
Please note, if you decide to take cover with another insurer, any breaks in cover or pre-existing conditions may not be covered with the new insurer and therefore you may not be able to claim for ongoing conditions. If you decide to not accept a new policy with Admiral, then we will cease to honour any future claims.
What if I don't want my policy to renew?
Once you've received the new policy invite, if you decide you don't want to accept the revised policy, you just need to let our customer services team know by calling on 03337777361 or emailing us on petinsurance@admiral.com.
Making a complaint
If you'd like to make a complaint about the change in administrator, please contact our customer services team by calling on 03337777361 or emailing us on petinsurance@admiral.com.
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Back
Transcript
Having an insurance policy for your dog or cat protects against the unexpected.
It covers the cost of vet bills (limits apply) if your dog or cat is injured or becomes ill.
You can also access quality advice from UK-registered vets through PawSquad.
You automatically are entitled to PawSquad when you take out a pet insurance policy with us. But you still need to register with them to get access.
PawSquad give you access to a qualified UK-registered vet 24 hours a day all year round for advice and treatment options over the phone, text or video.
This is what you'll get:
- Immediate access over text, phone or video call
- Consultations with a Royal College of Veterinary Surgeons registered vet with at least five years of clinical experience
- A follow-up report on your pet's health and treatment plan
- Awareness of treatment options tailored to your dog's needs
Insurance should give you the peace of mind that you always have access to the right care for your dog at a manageable cost.
Back
Five levels of Lifetime cover to choosefrom
We've made it easy for you to get the right cover for your pet. All policies come with access to PawSquad, our 24-hour vethelpline.
You can read the full list in the policybooklet.
Good to know
The table below shows the standard benefits and "up to" limits of each tier.
Blue | Bronze | Silver | Gold | Platinum | |
---|---|---|---|---|---|
Veterinary Fees per year | £2K | £3K | £4K | £5K | £10K |
CT/MRI scans and Associated Costs | |||||
Dentistry as a direct result of an accident | |||||
Cruciate Ligament | |||||
Overseas Travel Extension (30 daylimit) | |||||
Excess (Pets aged 0-6) | £99 | £99 | £99 | £99 | £99 |
Excess (Pets aged 6 and above) | £199 | £199 | £199 | £199 | £199 |
Co-Insurance | 0% | 0% | 0% | 0% | 0% |
Third Party Liability (Dogs only, £250excess) | £1M | £1M | £1M | £2M | £2M |
Complementary Medicine/treatments | £500 | £500 | £500 | £500 | £500 |
Special diet | £100 | £100 | £150 | £150 | £200 |
Death of pet by illness (cover ceases after age6+) | £1.5K | £1.5K | £2K | £2K | £3K |
Emergency Boarding Kennel/Cattery Fees | £750 | £750 | £750 | £750 | £1.5K |
Holiday Cancellation Cover | £1K | £1K | £1.5K | £1.5K | £2K |
Loss by Theft or Straying | £1.5K | £1.5K | £2K | £2K | £3K |
Advertising and Reward | £250 | £250 | £250 | £250 | £500 |
Vet Advice Line | |||||
Farewell cover | £100 | £100 | £150 | £150 | £200 |
Multi-pet Discount | |||||
Dentistry as a direct result of an illness | £2K | ||||
Third Party Accidental Damage | £1K | ||||
Behavioural treatment | £2K |
Two levels of Time Limited cover
We offer two tiers of Time Limited cover. Both last for 12 months.
You can read the full list in the policybooklet.
ESSENTIAL | EXTRA | |
---|---|---|
Product Type | 12 month | 12 month |
Veterinary Fees | £2,000 | £4,000 |
Excess | £99 | £99 |
Excess | £199 | £199 |
Co-Insurance | 0% | 0% |
CT/MRI scans and Associated Costs | Vet Fee Limit | Vet Fee Limit |
Cruciate Ligament | Vet fee limit | Vet fee limit |
Dentistry as a direct result of an accident | Vet fee limit | Vet fee limit |
Overseas Travel Extension | Vet Fee Limit | Vet Fee Limit |
Third Party Liability | £1,000,000 | £1,000,000 |
Complementary medicine/treatments | £500 | £500 |
Special Diet | £100 | £100 |
Dentistry as a direct result of an illness | ||
Death of pet by illness | £1,000 | £1,500 |
Death of Pet by accident | £1,000 | £1,500 |
Emergency Boarding Kennel/Cattery Fees | £750 | £750 |
Holiday Cancellation Cover | £1,000 | £1,500 |
Loss by Theft or Straying | £1,000 | £1,500 |
Advertising and Reward | £250 | £250 |
Vet Advice Line | ||
Behavioural treatment | ||
Farewell cover | £100 | £150 |
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Call for a quote
03337777361
- Mon to Fri:08:00 – 18:00
- Sat:09:00 – 13:00
- Sun:Closed
Bank Holidays Subject to change, closed Christmas Day, Boxing Day & New Year's Day
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.