Pet insurance

Pet insurance

Defaqto 5 Star rated pet insurance* - we've got your cat or dog covered

Start your quote Retrieve your quote

Why choose our pet insurance?

We're here to make sure your furry friends are protected. Here are just a few of the reasons to choose Ageas Pet Insurance for your cat or dog.

Purple pin on calendar

Monthly payments

Pay monthly to protect your pet, interest-free and hassle-free.

Female vet on the phone

24/7 Vet helpline

Our medical pet specialists will be on hand 24/7

Young man on the phone with laptop

UK based claims service

Our claims team is here to help protect your pet

Pet insurance 5 star Defaqto rating

Don't just take our word for it...

Our Extra and Ultra cover levels have been rated 5 Star by industry experts Defaqto.

Woman's hand holding cat paw

Our types of cover

We offer 2 types of cover to help suit your needs and those of your pet. 

  • Lifetime - Provides cover for all injuries or conditions** that occur within the policy year. Your cover resets at renewal, provided you remain insured with us.^
  • Time limited - Covers treatment for injuries or conditions for 12 months, from the day your pet's condition was first noticed by you or your vet.^^

Click the buttons below to find out more about our cover options. 

Cat and dog laying down

Levels of cover

Simply choose from our four levels of cover to get the protection you need for your cat or dog. We offer:

  • Essentials - Time limited
  • Classic - Lifetime
  • Extra - Lifetime
  • Ultra - Lifetime

 

Pet paw icon white

24/7 Vet helpline

Our Vet helpline offers a 24/7 telephone service and an online chat service which gives you a chance to chat through any health concerns you may have about your dog or cat.

View our policy documents

Take a look at our policy booklet below. You can also click here to look at the product information document that relates to the level of cover you are interested in.

Frequently Asked Questions

In order for us to be able to provide cover, your pet has to be at least 8 weeks old at the start of your policy.There is no upper age limit, so we don't stop providing cover when your pet gets older, as long as you've been continuously covered by us.

If death occurs by illness we will only cover up to the Age of 8 for Dogs and 11 for cats.

 

Unfortunately, we are unable to provide cover for pre-existing conditions through our pet insurance policies. Please see our policy documents for further information.

Yes, you can still buy a pet insurance policy if your pet is not vaccinated. However, we will not cover unvaccinated pets for illnesses that could have been prevented through vaccination.

For accidents, your cover starts 48 hours after your policy start date. However, you won't be able to make a claim for illness within the first 14 days of your cover.

Your documents will be sent to you by email or by post, if you prefer. When your policy renews, your renewal letter, along with your schedule of insurance and policy wording, will be either emailed or posted to you (depending on your preference) 14 days before your renewal date.

If you wish to make a complaint about the service we have provided (including information or documentation issues to you), you should contact us on 0345 165 0928, lines are open Monday to Friday 8am – 8pm, Saturday 9am-2pm.  Alternatively, you can email us at service@pet.ageas.co.uk

 

Unfortunately we don’t have an online portal facility at the moment but we are continuing to review our customer journey and it is something we would like to offer soon. In the meantime, If you would like to make a change, cancel or discuss your policy please contact us on 0345 165 0928, lines are open Monday to Friday, 8am–8pm, Saturday 9am-2pm. Alternatively, you can email us at service@pet.ageas.co.uk .

 

You can cancel your policy at any time. If you want to cancel in the first 14 days, providing you have not made a claim you will receive a full refund of your paid premium, minus an administration charge of £30.

If you want to cancel after this time then you will be charged for the time your pet has been insured. If you have made a claim on your policy and you want to cancel then the full premium for the year will become due. In all cases, there is an administration charge of £30.

If you would like to cancel please call 0345 165 0928, lines are open Monday to Friday, 8am – 8pm, Saturday 9am –2pm.

 

You do have the option to change the payment date to suit you, however you will need to wait until your first instalment has cleared before you can do this.

If you would like to make a change to your payment date please contact us on 0345 165 0928, lines are open Monday to Friday 8am–8pm and Saturday 9am-2pm.

Please contact us on 0345 165 0928, lines are open Monday to Friday 8am–8pm, Saturday 9am-2pm, and we can discuss options with you.

 

If you would like to make a change, cancel or discuss your policy please contact us on 0345 165 0928, lines are open Monday to Friday, 8am–8pm, Saturday 9am-2pm.

Unfortunately, we are unable to provide cover for pre-existing conditions through our pet insurance policies. Please see our policy documents for further information.

When you go through the quote and buy journey, your details will go through a validation process to ensure the details we hold for you are correct. If anything has recently changed, such as your address, surname etc, then the website won’t give you the option to pay by direct debit.

We are still able to offer you this, but we would need to be sent a direct debit instruction to fill in and sign. Once we have received this, we will proceed to cover your pet. You can either download this on our website or call us on 0345 165 0928.

 

Claims

If you need to make a claim on your pet insurance policy you can call us on 0345 165 0928 (Mon to Fri 8:00am - 8:00pm and Saturday 9:00am - 2:00pm). Alternatively, you can download our claim form, print it, fill it out with the help of your vet and email it to claims@pet.ageas.co.uk. A member of our claims team will get in touch with you as soon as possible.

You can select this when you make your claim. If your policy is being paid by Direct Debit from your account, then you have the option of being paid by BACS (Bankers Automated Clearing Services) direct into your bank account. Payment can also be made by BACS to your vet, if they wish; their payment details just need to be added to the corresponding section on the claims form. Please note that an excess is deductible for all claims, as stated in your policy documents.

If you wish to make a complaint about any aspect of your claim, you should contact the person currently handling your claim by calling the claims team to discuss your complaint. You should contact us on 0345 165 0928 lines are open Monday to Friday 8am – 8pm, Saturday 9am -2pm.

Once you have submitted your claims for you will receive a notification confirming that we have received your claim and it is being processed. We aim to handle claims within 10 working days but on occasion this may be longer as we may require further information. If you have any questions in relation to an existing claim please contact us on 0345 165 0928 lines are open Monday to Friday 8am – 8pm, Saturday 9am -2pm.

The policy excess is the amount you have to pay towards the cost of a claim. The vet fees excess is made up of a compulsory flat excess plus any additional voluntary excess amount you have chosen. The excess applicable to you can be found in your policy schedule.  

You may also be required to pay a percentage excess towards the costs of the veterinary fees for dogs over 6 and cats over 8 years old. This amount will be deducted from any claim’s settlement.

 

Renewal

You should receive your renewal invite 21 days prior to your renewal date. If you have not received it, please contact us on 0345 165 0928, lines are open Monday to Friday 8am–8pm, Saturday 9am-2pm.

There are multiple factors that can affect your premium. These include, but are not limited to;

    1. The age of your pet, as your pet ages the risk of them becoming ill increases
    2. Your claims history, if your pet has been unwell and you’ve had to make a claim this may indicate that you’re more likely to claim in the future and will impact your premium
    3. Advancements being made in veterinary treatments and inflationary increases both impact the cost of treatment and medication, which inevitably have an impact on insurance premiums

Depending on where you have obtained your quote, some comparison sites will offer a new business discount which will apply to your policy in the first year – this discount will not apply at renewal.

Additionally, new policies generally contain a waiting period before your cover actually starts and will often exclude anything your pet has shown symptoms of, or has been treated for, prior to your policy starting. As renewals do not have these terms, the higher premium reflects the higher risk being carried by the insurer compared to a brand-new customer.

It is also important to check that all of the details you have entered match those on your current policy including your pets breed and date of birth, also check that the cover level and excess is the same.

Ageas offer a range of policies you can switch between so if you are looking to reduce your premium, but keep existing conditions covered, contact us now to see your personalised options and specific terms that would apply on 0345 165 0928.

 

No, this ruling only applies to home and motor insurance.

*We offer four levels of cover, Essentials, Classic, Extra and Ultra. Our Extra and Ultra levels with Lifetime cover have been rated 5 Star by industry experts Defaqto.

**Excluding pre-existing medical conditions.

^There's no limit to how long you can claim for each illness or injury, provided you keep your policy renewed, the premiums paid up to date and we invite renewal. If your pet’s total veterinary treatment in the policy year exceeds the limit applicable for your level of cover, there will be no further cover until the renewal of the policy when the cover resets.

^^The policy must remain in force (including at annual renewal if relevant) for the cover to continue. Once the financial limit or the 12 months has passed (whichever is sooner) any further treatment required for the condition or injury will not be covered by this policy.