Pet insurance FAQs

Cover is important, but it doesn’t have to be complicated. We’ve listened to our customers and put their most important questions for you here. If you can’t find what you need, don’t worry. You can always get in contact with us. Our teams are fully trained to give honest, transparent and efficient service, no matter your situation.

Pet insurance FAQs

Cover is important, but it doesn’t have to be complicated. We’ve listened to our customers and put their most important questions for you here. If you can’t find what you need, don’t worry. You can always get in contact with us. Our teams are fully trained to give honest, transparent and efficient service, no matter your situation.

Do you offer a multi pet discount?

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.

What type of cover do MiPet Cover Pet Insurance provide?

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.

Is there anything you don’t cover?

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.

How do you calculate my quote?

The details you enter are used by the underwriter to calculate your pet insurance premiums.

Will the cost of my insurance change each year?

Yes. At renewal your premiums are recalculated by the underwriter.

Are there any age limits?

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.

What are the excesses I will have to pay, should I make a claim?

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.

Our 4 week Instant level excess is £85 per condition, per year for cats, and £100 per condition, per year for dogs.

How do I claim?

Find more information on our make a claims page

What if I want to cancel?

Please call our services team on 0808 164 8008 and they will be happy to help.

Can I change my cover?

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.

Can I pay by Direct Debit?

Yes, subject to meeting acceptability criteria. Terms and conditions apply.

When does my vet fee cover start?

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.

Our 4 week Instant level covers illnesses at the point you take out the policy, accidents are covered after 24 hours.

What is a pre-existing condition?

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.

Is my pet covered for pre-existing conditions?

No.

Is my pet covered if we travel abroad?

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.

What is lifetime cover?

(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.

Enquiry

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Thanks for getting in touch

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 – 9pm and Saturday  9am – 2pm

Thank you.