Our types of policy
At Cover My we want our customers to feel safe and assured in knowing that we will take good care of your cat.
Our reliable and affordable cat insurance allows you to protect what matters to you the most.
It can be an incredibly stressful and worrying time, when something happens to your dog.
We’ve got various cover that’ll help you pay for any unexpected vet treatment your dog needs – and it’s quick and easy to get set up.
We believe that pets deserve the best treatment, to get them back on the mend should the unexpected happen. Our policies and exceptional customer service have been designed to make pet insurance straightforward, making life better for our customers, and their pets.
We have 3 types of policy with various levels of cover to suit your budget as well as your pet’s needs.
A flexible range of cover
Pay monthly, with no interest
Flexible excess options
3 flexible levels of cover
Friendly UK based call centre
Third party liability
Death from accident
Death from illness
What we cover
Theft and straying
Emergency Boarding fees
Trusted service with support you can rely on
Trusted service with support you can rely on
Having a pet become unwell or injured is stressful enough, the last thing you want to do is face financial problems as a result. We can’t stop your pet from becoming poorly, but we can take the financial burden away at this stressful time.
Quickly settled claims
Our team are experts in making the claim process as seamless and straightforward as possible, so we set about processing your claim straight away, and aim to have it all sorted as quickly as possible for you.
Save yourself unforeseen costs
According to the Association of British Insurers, the cost of the average pet insurance claim in 2018 was £793, more than twice the average annual premium for dogs and over three times that for cats. The average pet insurance claim has increased by 75% over the last decade.
Lifetime, Maximum Benefit or Time Limited
This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits set out in the policy, the limit resets each policy year.
This will cover illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for.
This will cover illness as well as accidents up to the claim limit or 365 days per condition, whichever occurs sooner
Your pet will not be covered for any claims relating to accidental injury for 5 days from the start date of your policy Your pet will not be covered for any claims relating other covers types for 14 days from the start date of the policy.
Please contact The Insurance Factory on 03330096721 or email firstname.lastname@example.org or visit the Cover My website to download a claim form
Yes, this can be arranged subject to agreement from your vet
You should contact the claim handler; The Insurance Factory on 03330096721 as soon as you think you may have a claim and they will let you know how to proceed
Yes there is a fixed excess and a % Excess you choose the excess level at the start of the policy.
What is a % Excess?
This is the amount that you are required to pay towards a claim (in addition to the excess). The % Excess is deducted from the overall limit of Your cover. By way of an example, if You have a benefit limit of £4,000, a Policy excess of £90 and a co-payment percent of 10% the maximum settlement would be £3,519 for a single Condition in a single year.
- Amount claimed £4,000
- Excess Applying £90
- Amount claimed less excess £3,910
- Co Payment amount at 10% £391
- Payment to Customer £3519
What is the excess amount?
For cats aged under 10 and most breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is either 0% or 15% depending on what you choose at the start of the policy.
For selected breeds of dog under 8 the fixed excess is either £50 or £100 and the % excess is 15%. (It will be clear during the application process whether your dog is one of the selected breeds where a 15% excess always applies)
For cats aged 10 or over and all dogs aged 8 or over the fixed excess will be £50 or £100 (depending on your choice at the start of the policy) and the % excess will be 15%
Yes, your policy will automatically renew unless you tell us you no longer want the cover. We do this to ensure that your pet has continuous cover. We will contact you no later than 21 days before your policy is due to renew, so you can cancel or make any changes