It’s a universal fact that family pets are family members, they’re provided for just as any family member. But it’s not all sunshine and roses. When accidents strike, will we be prepared?
Pet owners are increasingly opting for pet insurance, and it’s for all the right reasons. In this article, we’ll review Asda Pet Insurance and how life-changing it can be to have your pet covered.
Reasonable rates and 24/7 online service paired with flexible coverage programs make Asda Pet Insurance a good option to consider.
Most of the pet insurance companies are brands for a number of insurers. Asda Insurance is no exception. The insurance policy is provided by Legal and General.
General Policy Features
Asda Pet Insurance sets itself apart in the UK market of pet insurers by providing clients with the most convenient rates and satisfactory customer experience. Let’s have a look at what they offer:
Levels of Coverage
It’s important to think thoroughly about different levels of coverage available. Once you decide, it will give you the peace of mind that you can provide proper care for your pet. Asda Pet Insurance has 3 different levels of coverage for you to choose from.
This is the cover with the highest cap, it covers the vet’s fees up to £10,000. This amount is reinstalled annually. The program is all-inclusive covering items such as:
- Cover for ongoing conditions, not just new ones.
- Complementary medicine
- CT and MRI scans and their associated medications (with some limitations)
- Cruciate ligament (with some limitations)
- Death of pet from accident or illness
- Loss by theft or straying
- Holiday cancellation (if you lost your pet and had to cancel a trip)
However, this lifetime bundle comes at different rates. Meaning that it doesn’t have to be £10,000. There are many more options available. Besides the £10,000 cap, there is the £2,000 and the £4,000 vet fees. And with all the three options there’s no limit to the number of separate conditions you can use this cover for.
This cover states that Asda Pet will cover the vet’s fees up to 12 months from when the condition begins. The amounts are either £2,000 or £5,000. To put it differently, your dog or cat will have a 12-months cover starting from when the condition begins.
This bundle deals with those unfortunate and unexpected incidents. It covers up to £2,500 of the treatment, and as the name suggests, cases of illness are not included in this cover. What makes this plan even more unique is that there’s no time limit on it.
The amount you’ll be charged for these services will vary depending on factors such as the pet’s age and the breed. What you need to do is go to their website, fill out the form, and receive a quote. In addition, the Asda Pet Insurance pays a lower fixed excess than most of the other insurers.
After conducting some research, we found that their rates are pretty much in line with what’s available with other insurance companies. Another interesting feature is that you can pay by direct debit without any extra cost.
They also offer 24/7 vet advice to spare you the repetitive and expensive vet visits. In the case of bereavement, they offer 24/7 counselling as well.
The Flip Side
One drawback of Asda Pet Insurance is that it only provides its services to dogs and cats. This can be restrictive for people who have different kinds of pets, because normally they’d want a one-stop-shop for their pets’ insurance programs.
Another issue to consider is that if your pet needs any dental work such as tooth extraction or tooth repair, it won’t be covered by any of the levels above. Also, there are some limits on the MRI and the Cruciate ligament treatment.
The logistical part of the process is as important as the services offered. And in this department, the people at Asda Pet have a serious problem, namely the short time frame to submit the claims.
What Makes It Unique?
Applying for a cover from Asda Pet will let you decide on the best treatment for your pet while not worrying about the finances. They even go a bit further than their competitors with the below features.
No Upper Limit
Asda Pet distinguishes itself as one of the most convenient insurers by putting no upper age limit for pets. The only exception they have is death from accident or illness for dogs over 9 years and cats over 11 years, which is a standard with almost all other insurers.
The more pets you have, the more you’ll save. This pet insurance service offers 10% off on your multi-pet insurance quote.
At Asda Pet, they encourage you to obtain insurance for kitten or puppy as young as 8 weeks.
In 2019, they were awarded “Best Online Pet Insurance Provider” by YourMoney.com.
There are also some independent and trusted reviewers such as Defaqto that provide ratings of the insurance services based on the cover levels, the quality of service and customer satisfaction. Defaqto has rated Asda’s Pet Insurance as 5-star for its lifetime insurance.
With the expanding range of pet insurers on the market, it gets harder to find a company that suits your pet’s condition and your finances. Asda Pet delivers fairly well on that.
The variety of cover levels available, the 24/7 online services, and the discounts offered make it a good choice.
So not only will you save on the unexpected expenses, but you’ll also ensure stable medical treatment for your pet. So in short, we think this is a budget-friendly service with plenty of smart options, such as the Accidents Only cover level. However, it has some limitations and special cases that you should pay attention to before applying for their services.