MiPet Cover Policies Allianz
MiPet Cover Policies are administered by Petcover EU Limited (Petcover) and Underwritten by Allianz Insurance plc (Allianz).
Making a claim has never been easier…
While dealing with your claim, feel free to ask our claims team anything that’s on your mind. They’re fully trained to provide honest support, no matter your situation.
Step 1 - Notify your surgery
If your veterinary fees are above your excess and you would like to submit a claim for treatment, the first step is to notify your vets of your intention to claim. Be sure to update your vets with your MiPet Cover policy number.
You will have 12 months from the treatment date to submit your claim.
Step 2 - Making your claim
If your vets are able to submit an electronic claim this will be the quickest way of submitting your claim. They will submit your claim directly to the MiPet Cover pet insurance team.
* OR you can download a claims form to submit to your vets.
Step 3 - We’ll be in touch
Relax while we handle your claim. Our expert team will review your claim. If we need any more information, we will contact your vets directly or yourself
If you would like to check the status of a claim, please call the MiPet Cover claims line on 0330 057 0646
Third Party Claims
You must contact Allianz as soon as possible if an incident happens that could lead to a claim under the ‘Third Party Legal Liability’ section. For example, (but not limited to) your dog causing injury to a third party or damaging third party property. Call the Allianz specialist liability teams on:
For injury to a third party
For damage to third party property
For any other section of cover you don’t need to tell us about a potential claim or let us know that you will be making a claim.
FAQs
Pet insurance is important, but it doesn’t have to be complicated. We’ve listened to our customers and put the 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 an honest, transparent and efficient service, no matter your situation.
FAQs related to the Policy Administrator and Underwriter Changes.
Who is the new underwriter and administrator for MiPet Cover Insurance?
From the 1st May 2025 onwards existing customers were be provided with a replacement policy from their renewal date. This was is providing they did not opted out of their data being transferred. The new underwriter is Allianz Insurance plc (Allianz). The new administrator is PetCover EU Limited (Petcover) who is responsible for all customer service.
How will I know if a policy is with Insurance Factory (IFL) or Petcover?
Any replacement policy continued on or after the 1 st May 2025 will be with the Petcover and Allianz.
Policies with renewal dates on the 30th April 2025 or before will be with Insurance Factory Limited.
All policies with Insurance Factory Limited start with either MPC or MPH.
All policies with Petcover start with the first 4 letters of the policy holder’s surname.
How do I submit a claim?
You can continue to submit claims directly with your vets or as above.
What do I do if treatment dates span over the two policies ?
If the treatment started before your policy transferred to Petcover but continued after your renewal date, the costs will be split. Any costs for treatment that took place prior will go to Insurance Factory Limited and any costs for treatment after, to Petcover. All claims should be submitted to Pet Cover who will assess your claim based on all treatment/costs. They will forward any further claim information to IFL to assess their portion of the claim when required.
Will I have cover for conditions I have already claimed for?
Will there be any changes to the policy terms and conditions?
Will I retain my multi-pet discount?
Why has my price increased at renewal?
There are multiple factors that will affect the price of your MIPet Cover policy.
These include, but are not limited to;
- The age of your pet, as your pet ages the risk of them becoming ill increases.
- Your claims history, if your pet has been unwell and you’ve had to make a claim this may indicate that you’re more likely to claim in the future and will impact your premium.
- Advancements being made in veterinary treatments and inflationary increases both impact the cost of treatment and medication, which inevitably have an impact on insurance premiums.
Complaints
What do I need to do if I want to complain?
Our aim is to get it right, first time, every time. If you have a complaint we will try to resolve it straight away. If we are unable to, we will confirm we have received your complaint within five working days and do our best to resolve the problem within four weeks. If we cannot, we will let you know when an answer may be expected.
If we have not resolved the situation within eight weeks, we will issue you with information about the Financial Ombudsman Service (FOS), which offers a free, independent complaint resolution service.
If you have a complaint, please contact the Customer Satisfaction Manager at:
Address:
Premier House, Harlaxton Road, Grantham, NG31 7JX
0330 0570646
Email:
[email protected]
You can find our full complaints procedure in our pet insurance policy.
Refer your complaint to the Financial Ombudsman
You have the right to refer your complaint to the Financial Ombudsman, free of charge – but you must do so within six months of the date of the final response letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Website: financial-ombudsman.org.uk
Telephone: 0800 0234567 or 0300 1239123
Email: [email protected]
Using our complaints procedure or contacting the FOS does not affect your legal rights.
Policy Documents
365Flex and LifetimeFlex Policies