Pet Insurance from Covermy. We believe that pets deserve the best care and treatment, to get them back on the mend should the unexpected happen.
Our Pet Insurance policies and exceptional customer service have been designed to make pet insurance for cats and dogs straightforward, making life better for our customers, and their pets.
Our Lifetime Pet Insurance policy provides cover for costs incurred from Accidental Injury and Conditions, and could cover ongoing Illnesses over a number of years as long as the policy remains in force.
While each policy has an annual limit for each Condition, this refreshes upon annual renewal and as long as the policy is continually renewed, exclusions will not be applied.
This means long-term Illnesses will be covered as long as you keep your policy live, even if the Illness spans a number of years.
Your Time Limited cover has two limits:
A time limit for how long you can claim for each Accidental Injury or Illness; and
A monetary limit for how much we will pay for each Accidental Injury or Illness (this is called the maximum benefit).
We will keep paying for an Accidental Injury or Illness until one of these limits has been reached.
Maximum Benefit pet insurance from Covermy. These can sometimes be referred to as per condition or money limited. The policy will provide a maximum amount of money (maximum benefit) to cover the cost of treatment for each Accidental Injury or Illness that your pet may suffer.
Each Accidental Injury or Illness is covered until the maximum benefit has been exhausted for that condition, as long as your policy remains in force. There is no time limit on reaching this maximum benefit, however once the full amount has been exhausted, the treatment of Accidental Injury or for that condition will not be covered again.
|Time limited||Maximum Benefit||Lifetime|
|Diagnostic cap (CT and MRI’s)||£1,500||£1,500||£1,500||£1,500||£2,000|
|Cruciate Limit Cap||£1,500||£1,500||£1,500||£2,000||£2,500|
|Death from Illness or Accident||£500||£500||£750||£1,000||£1,000|
|Third Party Liability (dog only)||£1,000,000||£1,000,000||£1,000,000||£2,000,000||£2,000,000|
|Third Party Liability Excess||£250||£250||£250||£250||£250|
|Theft or Straying||£500||£500||£750||£1,000||£1,000|
* up to
We’ll provide a clear brakdown of your claim payment and how this will be paid so you can get back to teaching your new pet tricks as quickly as possible.
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.
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