Asda pet insurance review

8 min Read Published: 16 Jun 2022

Asda pet insurance review

In this independent review, we look at Asda pet insurance including the different policies on offer, how much it costs and how it compares to other insurers. We recommend that you read the review in full, however, if you wish to jump to specific sections, you can do so using the following links.

What is Asda pet insurance?

You can insure your pet with Asda money, meaning that in the event of your pet getting ill or injured, you can claim back for the cost of your veterinary bills up to the agreed policy limit. Asda Money also offers other financial products including travel, home and car insurance as well as credit cards and loans. Asda pet insurance was voted the ‘Best Online Pet Insurance Provider' by YourMoney.com in 2019. Asda Money pet insurance is administered by Insurance Factory Limited and underwritten by West Bay Insurance Plc.

Asda pet insurance features

  • Lifetime and time-limited pet insurance policies
  • Up to £10,000 of veterinary fee cover (policy dependant)
  • 10% multi-pet discount
  • Payments can be made directly to your vet
  • Dental cover (limits apply)

What does Asda pet insurance cover?

Asda offers seven pet insurance policies across two different types of pet insurance; lifetime and time-limited. Below we explain the difference between the different types of pet insurance but to compare the Asda policies in more detail, take a look at our comparison table. For more information on the different types of pet insurance read our article, 'What are the different types of pet insurance?'

Lifetime pet insurance

Asda has five annual limit lifetime pet insurance policies to choose from, with veterinary fee cover ranging up to £10,000 a year, depending on the policy you choose. Its comprehensive lifetime policies are annual limit lifetime pet insurance that insure your pet for a set veterinary fee amount each policy year, and then renew when you renew your policy, even if you have previously made a claim.

For more information on lifetime pet insurance, read our article ‘Lifetime pet insurance explained’.

Time-limited pet insurance

You have the choice between two time-limited pet insurance policies with Asda Money and veterinary fee cover ranges between £2,000 and £5,000 depending on the policy you choose. A time-limited pet insurance policy will insure your pet for a set amount of veterinary fees but usually only for a set period of time from when the condition was first diagnosed; normally 12 months. If you reach the veterinary fee limit within the 12-month period then the condition is no longer covered and if you do not exceed the veterinary fee limit but it has been 12 months since the diagnosis, it will no longer be insured.

For more information on time-limited pet insurance, read our article ‘Time-limited pet insurance explained’.

Asda pet insurance policies

In the below comparison table we highlight the different pet insurance policies available with Asda money. For more information on how much you can expect to pay for a pet insurance policy with Asda, jump to ‘How much does Asda pet insurance cost?

Asda Lifetime pet insurance policies

Lifetime £10,000 Lifetime £8,000 Lifetime £6,000 Lifetime £4,000 Lifetime £2,000
Vet fee cover £10,000 £8,000 £6,000 £4,000 £2,000
Fixed excess* £100 -£250 £100 -£250 £100 -£250 £100 -£250 £100 -£250
Co-insurance 10% for pets aged 5+ 10% for pets aged 5+ 10% for pets aged 5+ 10% for pets aged 5+ 10% for pets aged 5+
Complementary cover £1,500 £1,500 £1,500 £1,500 £1,000
Accident and illness dental cover tick tick tick Accident only Accident only
Death cover (for pets under the age of 7 for illness) £2,000 £2,000 £2,000 £2,000 £1,500
Lost or stolen cover £2,000 £2,000 £2,000 £2,000 £1,500
Advertising/Reward £1,000 £1,000 £1,000 £1,000 £750
Cremation/Burial £100 £100 £100 £100 £100
Emergency boarding £2,000 £2,000 £2,000 £2,000 £1,500
Holiday cancellation £2,000 £2,000 £2,000 £2,000 £1,500
Third-party liability (dogs only) £1m £1m £1m £1m £1m

*Some breeds have a minimum excess of £200

Asda Time-limited pet insurance policies

  Time-limited £5,000 Time-limited £2,000
Vet fee cover £5,000 £2,000
Fixed excess* £100 - £250 £100 - £250
Co-insurance 10% for pets aged 5+ 10% for pets aged 5+
Complementary cover £750 £500
Accident and illness dental cover Accident only Accident only
Death cover (for pets under the age of 7 for illness) £1,000 £750
Lost or stolen cover £1,000 £750
Advertising/Reward £500 £250
Cremation/Burial £100 £100
Emergency boarding £1,000 £750
Holiday cancellation £1,000 £750
Third-party liability (dogs only) £1m £1m

*Some breeds have a minimum excess of £200

Asda pet insurance exclusions

In this section of the review, we highlight some of the key policy exclusions with an Asda pet insurance policy. This list is not extensive so be sure to check your policy documents carefully so you fully understand what is and isn't covered.

Asda pet insurance will not pay out claims for the following:

  • Pre-existing conditions
  • Policy excess
  • 10% co-payment for pet’s over 5
  • Illnesses within the first 14 days of cover
  • Routine treatment e.g for fleas and worming
  • Pets less than 8 weeks of age
  • Dogs on and crossed with breeds listed in the Dangerous Dogs Act 1991
  • Pets used for commercial breeding purposes
  • Pets that have shown aggressive behaviour
  • Death of pet claims for pets over the age of 7

How much does Asda pet insurance cost?

How much you pay for your pet insurance premium varies depending on the type, age and breed of your pet. Where you live may also affect your premium due to the cost of veterinary treatment in your area. In the below comparison table we have compared the cost of the different pet insurance policies with Asda Money.

The following quotes are based on a mixed breed 1-year-old cat and dog with no underlying health conditions and living in a South East postcode. The quotes are based on an excess of £100. The quotes could therefore be lower if a higher policy excess was chosen.

Asda Lifetime pet insurance policy cost

Lifetime £10,000 Lifetime £8,000 Lifetime £6,000 Lifetime £4,000 Lifetime £2,000
Maximum annual vet fee cover  £10,000 £8,000 £6,000 £4,000 £2,000
Fixed policy excess* £100 £100 £100 £100 £100
Co-payment (for pets over 5)  10% 10% 10% 10% 10%
1-year-old dog (Monthly cost)  £26.88 £24.03 £20.77 £19.02 £15.38
1-year-old cat (monthly cost)  £23.35 £21.65 £19.31 £15.95 £13.18

*Excess can be fixed between £100 - £250 in £25 increments and is payable per condition per policy year 

(Quotes correct as of 15/03/22) 

Asda time-limited pet insurance policy cost

Time-limited £5,000 Lifetime £2,000
Maximum annual vet fee cover  £5,000 £2,000
Fixed policy excess* £100 £100
Co-payment (for pets over 5)  10% 10%
1-year-old dog (Monthly cost)  £17.14 £13.53
1-year-old cat (monthly cost)  £13.92 £11.34

*Excess can be fixed between £100 - £250 in £25 increments and is payable per condition per policy year

(Quotes correct as of 15/03/22) 

Asda pet insurance policy excess

Asda has a fixed policy excess on each of its pet insurance policies. The excesses are fixed between £100 - £250 and customers can choose how much they wish to pay in £25 increments.

The following pet breeds will have a minimum excess of £200; Bullmastiff, Dogue De Bordeaux, French Bulldog, Great Dane, Irish Wolfhound, Mastiff, Neapolitan Mastiff, Newfoundland, Pyrenean Mastiff, Rottweiler, St Bernard, Tibetan Mastiff, Chow Chow, Bulldog, English Bulldog, (Toy) Bulldog, Shar Pei, German Shepherd, Boxer, Maine Coon, Norwegian Forest Cat.

The excess on an Asda pet insurance policy is payable once per condition for time-limited policies and once per condition per policy year for the lifetime policies.

Asda pet insurance policies also have a compulsory co-payment which is payable for all pets over the age of 5. This is 10% of the remaining vet fee claim in addition to the policy excess. A co-payment is a percentage contribution to the cost of the vet fees.

How to make a claim with Asda pet insurance

If you wish to make a claim on your Asda pet insurance policy you can do so by emailing [email protected] or calling 0333 234 0623. You can also download a claims form via the Asda Money website. When making a claim you will need to ensure it has been submitted within 180 days of the incident or you may experience problems with the claim.

Asda pet insurance reviews

Asda pet insurance has a limited number of customer reviews on review sites such as Trustpilot. From the three recent reviews that we found on Trustpilot, customers complained of problems with the claims process and claims being settled. On its website, Asda pet insurance has a rating of 4.8 out of 5 stars from over 120 reviews.

Those who have rated Asda pet insurance as 'Good' comment on the easy quotation process and a reasonable cost for the levels of cover. Those who rated it as 'Bad' cited problems with customer service and submitting payments online. It is worth noting that most of the good reviews on the Asda website mention the application process and the cost of the premiums. The reviews rarely mention the customer service and claims process.

Alternatives to Asda pet insurance

In this section of the review, we compare Asda pet insurance to other pet insurance providers. You may also wish to compare pet insurance providers with a comparison site such as MoneySuperMarket* or Compare the Market*. Comparison sites mean you can compare a range of providers to find the cheapest insurance for your pet. One thing to consider, however, is that comparison sites are not always whole of market so you may be missing out on a deal elsewhere.

Asda vs Sainsbury's vs Tesco pet insurance

In the below comparison table we have compared Asda's pet insurance policy to a pet insurance policy with Sainsbury's and Tesco. For the purpose of the table, we have compared the most comprehensive lifetime pet insurance policies with each of the providers. The quotes are based on a 1-year-old mixed breed cat and dog with no underlying health conditions and living in a South East postcode. The age, type and breed of your pet will affect the cost of your pet insurance policy so the following quotes are just a guide as to what you could expect to pay. For more information about Sainsbury's and Tesco's pet insurance read our reviews:

A comparison between Asda, Sainsbury's & Tesco pet insurance

Asda Sainsbury's Tesco Bank
Pet insurance policy type Annual limit lifetime Annual limit lifetime
Annual limit lifetime
Excess £100 £99 £120
Maximum vet fee cover £10,000 £10,000 £10,000
Death cover £2,000 £2,000 £1,500
Loss & Theft £2,000 £2,000 £1,500
Holiday cancellation £2,000 £3,000 £5,000
Emergency boarding £2,000 £1,500 £1,000
Third-party liability (dogs only) £1m £2m £2m
1-year-old dog (monthly cost) £26.88 £34.75 £31.59
1-year-old cat (monthly cost) £23.35 £22.91 £24.21

(Quotes correct as of 15/03/22) 

Asda pet insurance pros and cons

Asda pet insurance pros

  • 10% multi-pet discount
  • Lifetime and time-limited policies
  • Dental cover for both illness and injury on select lifetime policies
  • Opportunity to pay your vet direct

Asda pet insurance cons

  • 10% compulsory co-payment (in addition to policy excess) for pets over 5
  • Does not cover pre-existing conditions
  • Will not cover for the death of pets due to illness or injury if they are over 7 years old

Summary

Overall Asda offers a good choice of pet insurance policies with a range of cover levels to suit your needs. The price of its pet insurance premiums is competitive when compared to other similar pet insurance providers and the fact you can choose your policy excess may be appealing to some.

However, it is worth remembering that with all Asda pet insurance policies you will need to pay a compulsory 10% co-payment for pets over the age of 5. Additionally, there is a lack of incentives for opening a pet insurance policy with Asda when compared to Sainsbury's and Tesco, whose policies provide Nectar and Clubcard discounts for taking out a policy. As with any type of insurance, it is always worth shopping around to ensure you are getting the best deal. For more information on other pet insurance providers, read our article 'The best pet insurance in the UK - 2022'.

 

 

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