Asda Pet Insurance Review: The Right Insurance for Your Dog or Cat?

Asda Pet Insurance Review: The Right Insurance for Your Dog or Cat?

Asda pet insurance stands out for older pet Lifetime cover.

Good for

  • Paying a lower fixed excess
  • New Lifetime policies for older pets
  • No time limit on Accident Only plans

Bad for

  • Dental illness cover
  • Those wanting to submit claims for ongoing conditions in batches
  • Those wanting more time to submit claims
  • Downloading claims forms from the Internet

Editor's Rating

3.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Pet cover can help with vet bills. Protect your dog or cat today.

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Asda offers moderately-priced pet insurance for dogs and cats, with choice of Accident Only, Time Limited or Lifetime cover. Our pricing analysis shows that the cost of Asda pet insurance plans is near average for Accident Only and Time Limited plans but that Lifetime plans do not offer such good value. You can read more about the Asda plans in our roundup of Best Pet Insurance. We particularly like that older pets are allowed to sign up for Lifetime cover—this is not the case with many other pet insurers.

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 Key Facts

  • No time limit on Accident Only claims
  • Holiday cancellation and unwell boarding cover on all policies
  • Dental injury (for accidental damage only)
  • Prescription food to dissolve urine crystals (6 months max)
  • No upper age limit for new policies (even Lifetime)
  • 24/7 vet helpline
  • No vet cover for tooth decay or tooth/gum disease
  • Claims must be made within 60 days of treatment
  • 12-month clock starts ticking from first clinical signs of injury/illness for Time Limited policies (Value and Standard)
  • Must obtain pre-authorization for complementary therapies
  • For ongoing conditions, a claim form must be submitted for each treatment
  • Excess increases through the addition of a 10% copay when dogs turn 5/cats turn 7

In This Review

Asda Pet Insurance Review

Asda offers decent value Accident Only and Time Limited pet insurance plans, but we think you can find better value elsewhere, especially for Lifetime plans. Plus, you might run into difficulties trying to get reimbursed as you'll encounter more restrictions with Asda's claim process—only 60 days to submit claims and claim forms can't be conveniently downloaded from the Internet. You may want to consider pet-specialist Agria Pet Insurance or LV= as alternatives with solid value and features.

With Asda you have your choice of three types of pet insurance—Accident Only (which is luckily Maximum Benefit in nature, not Time Limited), Time Limited and Lifetime. Vet cover ranges from £1,500 up to £7,500, with the ability to choose the standard £85 excess or increase the fixed excess in order to lower the premium.

Overall, our research shows that Asda premiums are close to the average cost of pet insurance for Accident Only and Time Limited products, but that Lifetime products about 10% more expensive than average. Cost isn't everything, though, and you should keep in mind the features that Asda includes, such as prescription food, holiday cancellation and unwell cover—plus Lifetime policies are offered to pets regardless of age.

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, or the policy may not be valid.

Currently, Asda is offering a 10% discount for insuring two or more pets.

How to Claim: Policyholders are not able to download a generic claim form from the Internet; instead, call the 24-hour claims line at 0333 999 0933 to request a claim form via an automated service 24/7. Be aware that Asda provides a shorter-than-average window in which to submit claims for reimbursement—claim forms must be returned within 60 days of your pet receiving treatment. Plus, you may find it quite cumbersome that you need to submit a claim form for each vet visit, even for conditions requiring numerous visits to the vet (e.g., you can't submit the receipts in batches together).

It is noteworthy that the 12-month clock for Time Limited policies starts not from first treatment but earlier, from the first clinical signs of a condition. Those with a Time Limited policy should not delay in having their pet treated once a condition is noticed, in order to maximize the time in which treatments will be reimbursed.

Dental: All of Asda's pet insurance products include the same dental cover—treatment of damage due to accidents ONLY. Tooth decay and tooth/gum disease are not covered on any of Asda's policies.

Excess: Asda's standard fixed excess is £85. For Accident Only, Value and Standard products, you'll pay the £85 once per condition. For Vital, Classic and Superior products (Lifetime cover), you'll pay the excess once per condition per year. For example, if your pet receives treatment over the course of two periods of insurance for ear infections, you'll pay the excess twice.

The excess increases for older pets (that is, dogs aged 5+ and cats aged 7+) to include both the £85 fixed excess AND a 10% copay of remaining vet treatment costs.

Emergency Cover: If take your pet for out-of-hours treatment, be aware that Asda covers a maximum of £100 towards the out-of-hours fee and will only pay it if the vet opines that treatment cannot wait for normal surgery hours.

Asda Insurance for Older Pets: Like many other insurers, Death Due to Illness cover (available as standard on all but Accident Only policies) is not included once your dog turns 9 years old or your cat turns 11 years old. However, Asda can be good for older pets needing a new policy, as there are no upper age restrictions for new policies—even Lifetime policies are open to older pets. The excess does increase with age, however. Once your dog turns 5 or your cat turns 7, the excess becomes £85 plus 10% of remaining vet bills.

Asda Quote Comparison

Asda Accident Only and Time Limited prices are roughly in line with market averages. However, Lifetime policies aren't as good value. As comparing prices for pet insurance can be quite difficult due to differences in vet cover amounts and excesses, we've developed a methodology to standardize across products.

Since you would need to pay both the annual premium and at least one excess in order to claim and access the vet cover once in a given year, we've calculated a ratio of Vet Cover/(Annual Premium + One Excess Payment) to give an estimate of value. A higher ratio implies better value—achievable through larger vet limits, a lower premium and/or a lower excess.

We then compared the average ratio for each type of Asda product (i.e., Accident, Time Limited and Lifetime) withboth £85 and £135 excess amounts to average market values (obtained from dozens of quotes from other insurers), for a healthy, young, medium-sized crossbreed dog.

chart comparing pet insurance quotes by policy type for Asda vs the market average
Asda Accident Only and Time Limited plans offer good value

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 helplinePet owners can call the Asda Vet helpline with queries 24/7 (Asda vet helpline phone number: 0800 234 0623)
Accident OnlyMaximum Benefit in nature, not Time Limited
Cover for Holiday Cut ShortCover if you have to cancel or curtail your holiday because your pet needs emergency life-saving surgery (within 7 days of departure for cancellation cover); trips booked last minute, within 28 days of departure, are excluded; cover from £200 up to £3,000, depending on plan
Cover When You're UnwellCovers some boarding fees if you're unable to care for you dog because you're in hospital at least 4 days in a row; cover from £200 up to £2,000, depending on plan
TravelTrips of 30 days or less under Accident only, Value, Vital Lifetime, Standard and Classic Lifetime and up to 365 days under Superior plans to countries under the DEFRA pet travel scheme
EuthanasiaCover up to £100
MedicineWill pay maximum of 100% mark up on manufacturer's or wholesaler's price for veterinary medicines

Should You Choose a Higher Excess for a Lower Premium?

Asda gives you the ability to add a voluntary excess on top of the mandatory £85 fixed excess. Is it worth it? According to our research for a healthy, young, medium-sized crossbreed dog, we found that if you make even a single claim in a policy period then the best financial decision is to choose the lowest excess (the standard £85).

For example, the annual premium drops between £0 and £76 across policies by choosing an optional £100 excess (giving a total fixed excess of £185). By making a single claim, you pay an extra £100 in excess, which more than offsets the premium savings (of £0 to £76). You can see more detail in the following table.

Policy NameAnnual Premium with £185 ExcessAnnual Premium with £85 ExcessPremium SavingsAdditional Excess Paid for One ClaimAmount You are Worse Off per Year with Higher Excess
Accident Only£50£50£0£100-£100
Value£128£160£33£100-£67
Standard£208£257£49£100-£51
Vital£249£307£58£100-£42
Classic£354£419£65£100-£35
Superior£414£490£76£100-£24

Here you can see how premiums change with excess. Notice there is no change in price for the Accident Only product—implying you should never select a higher excess for an Accident Only policy because there are no premium savings to be had.

chart showing how Asda dog insurance premiums change with excess
Lower Excess = Higher Premium

Types of Asda Dog and Cat Insurance Policies

Asda offers the following three types of pet insurance—Accident Only (Max Benefit), Time Limited and Lifetime, with vet cover ranging from £1,500 up to £7,500. For more information on pet insurance cover in general, please see our article on What Does Pet Insurance Cover in the UK.

All policy types 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, third party liability and access to Asda's vet 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.), providing the lowest level of cover.

Value and Standard (a Time Limited product)

Asda's Time Limited products cover up to 12 months of treatment costs, up to a limit of £1,500 (Value) or £3,500 (Standard) 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 £1,500/£3,500 of treatments, you can no longer claim for that particular incident.

A potential drawback of Asda's Time Limited policies (Value and Standard products) is that the 12-month clock starts when the condition is first noticed, not when treatment begins. Starting the clock in this way potentially gives you less time to have treatments covered by your insurance policy.

Vital, Classic and Superior (Lifetime products)

Asda offers three Lifetime pet insurance products, with annual vet cover of up to £2,000, £4,000 or £7,500 that resets each year when you renew. Any vet treatments that exceed the vet cover limit in a year will not be reimbursed.

Lifetime policies are the most comprehensive—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.

Asda Pet Insurance Coverage Amounts

Product Name:Accident onlyValueVital LifetimeStandardClassic LifetimeSuperior
Vet fees cover£2,500 per condition£1,500 per condition£2,000 per year£3,500 per condition£4,000 per year£7,500 per year
Insurance TypeMax Benefit12 MonthsLifetime12 MonthsLifetimeLifetime
Fixed Excess£85£85£85£85£85£85
Additional 10% Variable Excess/CopayDogs 5+, Cats 7+Dogs 5+, Cats 7+Dogs 5+, Cats 7+Dogs 5+, Cats 7+Dogs 5+, Cats 7+Dogs 5+, Cats 7+
Death from illness (not for dogs aged 9+ and cats aged 11+)N/A£450£600£750£1,250£1,500
Death from accident£200£450£600£750£1,250£1,500
Advertising and rewardN/A£1,000£1,000£1,250£1,250£1,500
Loss by theft or strayingN/A£450£600£750£1,250£1,500
Boarding kennel fees£200£1,000£1,000£1,250£1,250£2,000
Third party liability (Dogs only)£1m£1m£1m£1m£1m£1m
Holiday Cancellation£200£1,000£1,000£2,000£2,500£3,000
Quarantine ExpensesN/A£150£150£500£750£1,000
Loss of Pet PassportN/A£250£250£250£250£250
Emergency Expenses AbroadN/A£150£150£250£500£1,000
24 hour veterinary helplineYesYesYesYesYesYes

Customer Reviews

According to the Asda website, customers rank Asda pet insurance with 3.9 out of 5 stars. Only 7 reviews were posted—five 5-star reviews and two 1-star reviews.

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 for those with older pets looking for new Lifetime cover. 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, a longer time to claim and a lower-than-average premium, 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.

Other Useful Information

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