Asda Pet Insurance is underwritten by Legal & General, one of the UK’s oldest insurance companies. But is Asda pet insurance any good and how does it compare to leading pet insurance brands? Find out what we think Asda could do better, how prices compare to the UK market and what customers have to say.
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Compare Cheap Pet Insurance for Your Dog or Cat
Pet cover can help with vet bills. Compare quotes from 25 providers, including Asda
In This Review
- Overall Review
- Policy and Coverage Options
- Comparing Asda to the Competition
Choosing the right cat or dog insurance policy for you will depend upon the individual needs of you and your pet. Use the information in this guide to help you understand which features are important to you in order to make the best buying decision. We also advise reading through the policy wording before you buy.
Asda Pet Insurance Review
Asda offers decent value pet insurance for relatively low prices; their best cover is with their Lifetime policies, available with £2,500, £4,000 or £10,000 of vet cover.
We like that their accident and illness policies include holiday cancellation and boarding cover, death cover and cremation cover, but they don't include dental illness and there are limits to coverage for MRIs and cruciate ligament treatment. Plus, claims must be submitted within 90 days, which is shorter than many other plans in the market and there's a 10% copay once your pet turns 5 that you pay in addition to the fixed excess.
On the plus side, we can't find any mention on their website or policy documents about prices rising at renewal if you claim. Some other companies state outright that your premium will definitely go up in you claim. Also, there aren't any complaints about rising premiums in their customer reviews. That said, it is normal for pet insurance to get more expensive each year, whether or not you claim, simply because of your pets age. Why? Older pets usually have more health issues.
Pet owners are required to keep their dogs and cats in a good general state of health—pets must be up to date with required vaccinations and receive an annual dental check with a vet.
|Asda Customer Reviews and Ratings|
|Trustpilot customer reviews||8.9 out of 10|
|Defaqto Feature Ratings (out of 5)|
|Accident Only||2 stars|
|12 Month||3 stars|
There are not very many customer reviews of Asda pet insurance online, but we found a few at SmartMoneyPeople. If you have anything to say about Asda pet insurance please leave a comment at the bottom of this review. Here is what a few real customers think of Asda pet insurance:
"Claiming recently for a vets bill was very straightforward. The forms were emailed to me, and simple to do. Asda kept me updated every step of the way by text and email until the claim was processed. Very easy and very pleased."
"...when the time came for claiming for operations, the vets could claim directly, without us having to pay and claim back via the insurance company like some. They were very caring in the time of need and paid out quickly and successfully for thousands of pounds worth of treatment. Highly recommend."
Asda Quote Comparison
Asda pet insurance seems to be on the cheap side. For example, Lifetime dog insurance premiums for a one-year-old mixed breed dog start from around £150 a year which is less than the average cost of pet insurance in the UK. Asda quotes will vary depending on factors like where you live and the age and breed of your pet, however.
To see how prices vary by product (e.g., Time Limited vs Lifetime and by vet fee limit), we ran sample quotes for a one-year-old mixed breed dog. As you can see, Lifetime cover
Asda Notable Features
Here is a brief overview of the notable features of Asda dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.
Asda Pet Insurance Features
- Vet advice helpline. Pet owners can call the Asda Vet helpline with queries 24/7 (Asda vet helpline phone number: 0800 197 0922).
- Cover for Holiday Cut Short. Cover if you have to cancel or curtail your holiday because your pet needs emergency life-saving surgery (within 14 days of departure for cancellation cover); trips booked last minute, within 28 days of departure, are excluded.
- Cover When You're Unwell. Covers some boarding fees if you're unable to care for you dog because you're in hospital at least 4 days in a row.
- Travel. Up to 2 trips (max 30 days total) for travel to countries under the DEFRA pet travel scheme PETS.
- Death of pet. | Cover If your pet dies or is euthanised for humane reasons due to injury or illness (amount decreases each year, with no cover once your pet is 8 years old).
- Cremation. Up to £75 for a cat or £150 for a dog.
- Medicine. Will pay maximum of 100% mark up on manufacturer's or wholesaler's price for veterinary medicines
Types of Asda Dog and Cat Insurance Policies
Asda offers three types of pet insurance—Accident Only (Max Benefit), Time Limited and Lifetime, with vet cover ranging from £2,000 up to £10,000. For more information on pet insurance cover in general, please see our article on What Does Pet Insurance Cover in the UK.
The accident and illness plans (Time Limited and Lifetime) each include some level of reimbursement for boarding fees (see policy docs for all details, but roughly this reimburses for some boarding costs in case you are hospitalized for an emergency or your home becomes uninhabitable due to flood, fire, etc.), holiday cancellation, death from accident, euthanasia, cremation, third party liability and access to Asda's vet helpline and a bereavement helpline.
Accident Only (a Maximum Benefit product)
Asda's Accident Only policy covers vet fees up to £2,500 per condition in case your dog or cat is injured in an accident. There is no time limit imposed on treatments—cover is provided until the £2,500 policy limit is reached for each condition.
Accident only policies won't reimburse for any vet bills associated with illnesses (e.g., skin rashes, arthritis, ear infections, tumours, etc.), making accident only cover the least robust.
Asda Time Pet Insurance
Asda's Time Limited products cover up to 12 months of treatment costs, up to a limit of either £2,000 or £5,000 per accident or illness. For example, for a given accident or illness you can claim for many treatments related to that incident for up to 12 months or until you reach the maximum cover amount—whichever comes sooner. Once you claimed for 12 months or £2,000/£5,000 of treatments, you can no longer claim for that particular incident.
The 12-month clock starts from the date when treatment first begins.
Asda Lifetime Pet Insurance
Asda offers three Lifetime pet insurance levels, with annual vet cover of up to £2,000, £4,000 or £10,000. These limits reset each year when you renew your policy.
Lifetime policies are considered to be the best type of pet insurance and are usually the most expensive—as well as providing the highest levels of cover, reimbursement of conditions is not subject to a time limit or a per-condition limit (just the annual limit, which resets each year). Lifetime cover can provide financial assistance for ongoing chronic or recurring health issues for your dog or cat so is most beneficial if your budget allows.
Asda Pet Insurance Coverage Amounts
|Features||Accident only||12 Month £2,000||12 Month £5,000||Lifetime £2,000||Lifetime £4,000||Lifetime £10,000|
|Vet's fees||£2,500 per condition||£2,000 per condition for 12 months only||£5,000 per condition for 12 months only||£2,000 per condition per year||£4,000 per condition per year||£10,000 per year|
|Cover for ongoing conditions||no||no||yes||yes||yes|
|CT/MRI scans and associated costs||£1,000||£1,250||£1,500||£1,250||£1,500||£1,500|
|Death of pet from accident or illness*||£350 (due to accident only)||£750||£1,000||£1,500||£2,000||£2,000|
|Advertising and reward||n/a||£250||£500||£750||£1,000||£1,000|
|Los by theft or straying||n/a||£750||£1,000||£1,500||£2,000||£2,000|
|Fixed excess (payable by you)||£75 per condition||£99 per condition||£75 per condition||£99 per condition per policy year||£75 per condition per policy year||£75 per condition per policy year|
|Additional 10% co-payment for pets aged 5 and over (the amount you pay towards the vet fee claim for each condition)||n/a||n/a||n/a||yes||yes||yes|
|Third party legal liability excess (dogs only) £1m per claim||£250||£250||£250||£250||£250||£250|
How does Asda Pet Insurance Compare to Competitors?
To better understand the value of Asda Pet Insurance you need to look at it in the context of other available options. We compared this insurer to other similar insurers so you can see which may be more suitable for you.
Asda Pet Insurance vs PetPlan
PetPlan Pet Insurance is the largest insurer of dogs and cats in the UK. Due to this, many vets are accustomed to submitting claims on behalf of pet owners, which can save you a lot of hassle—plus you get a full 12 months to submit claims for reimbursement. PetPlan policies include dental illness and injury but don't cover euthanasia. However, older pets (i.e., dogs aged 5 or 8 depending on breed, cats aged 10) are not eligible for new Lifetime policies and can only sign up for a Time Limited policy. Additionally, owners of older pets must contribute more towards vet bills, through the addition of a 20% copay.
Quick Takeaway: Asda may be a better option if you're looking for a lower premium. However those looking for a pet specialist, dental illness and/or a longer claims submission window might prefer PetPlan.
Asda Pet Insurance vs Agria Pet Insurance
Agria Pet Insurance offers plans with very good value from a specialist pet insurer. Agria is able to charge lower premiums by 1) offering some features as add-ons, so you only pay for them if you want and 2) having the pet owner pay a 10% copay in addition to the fixed excess (of £95 or £160 for dogs, £85 or £160 for cats). We like that Agria is a specialist pet insurer with a long history. Agria plans offer some desirable features, such as dental, euthanasia, 6+ months to claim and cremation/burial, plus congenital conditions are covered. The cost for a young, healthy crossbreed dog is around £350 per year for a plan with £6,500 of vet cover and a £95 fixed excess + 10% copay; a British shorthair with an £85 excess + 10% copay would cost around £325 for the same level of cover.
Bottom Line: If you want dental illness cover and a longer time to claim, Agria can be a good option—but as standard you'll have to pay a larger share of any vet bills that arise.
Asda Pet Insurance vs Animal Friends Pet Insurance
Animal Friends Pet Insurance is a specialist pet insurer, whose plans stand out for lower-than-average premiums (partially achieved through per condition limits, even on Lifetime plans) and they publicly state on their website that they don't penalize for claims by increasing premiums upon renewal. Those with older pets can insure their dogs and cats with Animal Friends, as there is no upper age limit for new policies, even Lifetime cover—but there is a 20% copay (in addition to the £99 fixed excess) for dogs aged 8+ and cats aged 10+. Animal Friends doesn't have dental cover or a vet line to call with queries, however, plus claims need to be submitted within 90 days. Our price check showed a range of £130 to £390 for Lifetime cover for a healthy, young crossbreed dog, significantly lower than average.
Bottom Line: If you're very price conscious, you'll can probably find a lower premium with an Animal Friends plan—but be aware of their annual per condition limits on Lifetime plans.