Yes, we do. To be eligible for the 5% multi pet discount, you’ll need to insure all pets at the same time. To get the discount, simply get a quote online and add additional pets using the ‘Add another pet’ button.
We offer two main types of cover: Annual and Life.
Our Annual policy covers your pet for 12 months for up to £3,500 per condition. However, this is what we call a “time-limited” policy. That means if your pet suffers an illness or accident, you can claim for several treatments related to that incident for up to 12 months from when it originally occurred to a maximum of £3,500.
Our other kind of cover is Life, which is much more comprehensive. Depending what level of cover you go with, our lifetime policies give a fixed amount of money each year to cover all veterinary treatment. So, as long as you keep your policy renewed, there is no limit on how long you can claim for each illness or injury.
Our policies do not cover pre-existing conditions, so anything that happened to your pet prior to taking out your insurance policy with MiPet Cover will not be covered.
We do not offer any policies to any pet that is under 8 weeks old, nor do we offer any policies if your pet is 15 years of age or over.
Our products also have limits and restrictions as to what is insured, so for a full breakdown of cover please read your policy documents.
The details you enter are used by the underwriter to calculate your pet insurance premiums.
Examples of rating factors which may affect the price of your premium are the breed of your pet and the age of your pet.
Yes. At renewal your premiums are recalculated by the underwriter.
Yes. We do not offer any policies to any pet that is under 8 weeks, nor do we offer any policies if your pet is 15 years of age or over. If your dog is 8 years of age or over, or your cat is 10 years of age or over, they are only able to have our Annual policy.
Our 4 week Instant level of cover is only available to cats and dogs aged between 8 weeks and 1 year.
Annual, Classic Life, Essential Life, and Premier Life have the same excesses. Its £85 per condition, per year.
If you make a claim and your dog is 6 years of age or over, or your cat is 8 years of age or over, then you will also have to pay a variable excess payment of 10% on top of the standard excess, once per condition per year. This amount will be deducted from the claims settlement.
Example of how to calculate the amount you will have to pay in the event of a claim.
Amount claimed: £300
Less fixed excess of £85: £215
Less variable excess: (10% = £21.50): £108.50
Total excess paid by you: £106.50
Total excess paid by MiPet Cover: £108.50
Our four week Instant level excess is £85 per condition, per year for cats, and £100 per condition, per year for dogs.
Find more information on our make a claim page
You can cancel the policy at any time. Once you have purchased a policy, you have 14 days from the commencement date within which you can cancel the policy and provided no claims have been made, you shall receive a refund of any premium you have paid less the administration charge as shown above. If you wish to cancel your policy, please contact our Customer Services Team on 0808 164 8008. Upon receipt of your cancellation request we shall cancel your policy.
At renewal you can change your level of cover. Terms and conditions do apply. Call our service team on 0808 164 8008 for more information.
Yes, subject to meeting acceptability criteria. Terms and conditions apply.
Annual, Classic Life, Essential Life, and Premier Life – For accidents it starts 24 hours after your policy start date. For illnesses it is 14 days after your policy start date.
These exclusions do not apply to renewed MiPet Cover policies, providing there was no break in cover.
Our 4 week Instant level covers illnesses at the point you take out the policy, accidents are covered after 24 hours.
Any illness, accident, or incident, that occurred to your pet prior to taking out the insurance policy with MiPet Cover, and, any accident, illness, or incident that occurred within any exclusion period.
Yes, provided you’re travelling to Eire or a member country of the PETS Travel Scheme and comply with the requirements of this scheme while you are abroad. You can find out further information about the PETS Travel Scheme by visiting the PETS Travel Scheme website run by DEFRA. Further details can be found in the policy documents.
(Also known as Lifelong, Cover for Life, Reinstatement, Re-populating or Renewable benefit policies)
‘Lifetime’ is a product term in the same way that ‘Comprehensive’ is for car insurance. It does not mean that the policy will run for the rest of the pet’s life as the policy is an annual renewable contract and is subject to the insurance company offering renewal terms and you continuing to pay your premium.
Lifetime policies are considered to be the best in the pet insurance market. They provide you with a total ‘Pot’ of money to claim from per insurance year. If the ‘Pot’ is used up before the end of the policy year, there will be no further cover in that policy year however, the ‘Pot’ will be re-instated when you renew the policy for the 12 month period.
Other product types in the pet insurance market have time or benefit limitations (per conditions) or both.
We always try to respond as soon as possible. No matter your request, our team of insurance specialists will be able to point you in the right direction.
If your enquiry is urgent, please call 0808 164 8008
Lines open: Monday – Friday 8am – 8pm and Saturday 9am – 2pm
Call now on 0808 164 7999
to discuss your policy with us.
Monday - Friday: 08:00 - 20:00 Saturday: 09:00 - 14:00