For new customers who buy direct. Offer ends 31 August 2021. Terms and conditions apply.
Pet insurance is offered through Co‑op Insurance Services and underwritten by Allianz Insurance plc.
Millions of people across the UK consider their pet a part of the family. Pet insurance is there to cover you if they have an injury, illness or accident that needs veterinary treatment.
You pay a monthly or annual premium and pet insurance will cover the costs of the treatment needed, minus any excesses. Some of the key reasons to buy pet insurance are:
Vet fees can range between £400 - £8,000 depending on the size and breed of your pet.
Knowing that you are covered for what can be a large unexpected bill.
If you choose a lifetime cover policy your pet will be covered for treatment to any illnesses or injuries up to a certain amount every year.
Co-op Pet Insurance offers two types of policy, Select Plus and Classic.
Compare the difference between the two types of Co-op Pet Insurance.
Cover |
Select Plus |
Classic |
| Vet fees | £5,000 per year | £2,000 |
| Complementary treatment | £750 per year | Not included |
| Dental treatment | £5,000 per year | £2,000 |
| Legal helpline | 24/7 access | 24/7 access |
For more details on what is and isn't covered, read our policy documents.
Get a quoteYou can choose from three optional extra packages that enhance the level of cover for your pet.
These include cover for third-party liability, boarding fees and quarantine costs.
Over 2,000 veterinary practices are now able to notify us of a claim electronically at point of treatment, helping to speed up your insurance claim.
Find out how to use this service.
You can decide when you want your direct debit payment to go out when you buy your policy.
There are no extra charges for paying by direct debit.
Get in touch on 0345 075 4582^ if you need to change when payment goes out.
We may cancel your policy if payment is not made within 10 days of its due date.
We can often pay your vet direct, making the whole claim journey much easier and quicker for you.
If you need to make a claim either:
Send the completed form back to us and remember to include:
Send your claim to:
Allianz Insurance plc
Great West House (GW2)
Great West Road
Brentford
Middlesex TW8 9DX.
Once we settle your claim, we’ll pay you by BACS where possible, or send a cheque.
You cannot renew online.
If you pay by monthly direct debit your policy will renew automatically.
If you pay by annual payment or wish to discuss your renewal please get in touch on 0345 075 4582^.
Our lines are open Monday to Friday from 8am to 7pm and from 9am to 1pm on Saturday.
We cannot give a quote for pets under the age of 6 weeks old.
The youngest age for cats and dogs is eight weeks if bought from a licensed breeder.
For new policies we will only insure:
Find out more about our eligibility rules.
We do not insure any dog that's on the dangerous dog register or any dog that is, or crossed with, a:
We also don’t insure dogs used for security, guarding, track racing or coursing.
If treatment is ongoing you must send the claim forms to us at least once every 12 months.
This policy covers an illness or injury for 12 months only.
The 12 months starts on the date the injury happened or the illness was first noticed.
We will not cover any more claims for that or any related injury or illness after this date.
Alternative and complementary treatments are not covered by this policy except:
that’s carried out by your vet
There may be extra exclusions on your pet’s policy. You'll find these on your pet’s insurance certificate. You’ll find the full list of exclusions and limitations in your policy documents.
Vet fees can vary from region to region which means that any changes in your address may affect the price of your policy.
Unfortunately we can’t say at this stage what the impact of your change of address will be as we regularly update our pricing to take into consideration new trends and data.
Your change of address will be reflected in the price of your policy at your next renewal. Your renewal premium will also be impacted by the age of your pet, vet fee inflation and if you claim.
It’s important you keep information relating to your policy up to date.
Your pet must live at the address shown on your Certificates of Insurance, which is a condition of your cover. Please get in touch if you have changed address.
Co-op Insurance Services take your privacy seriously and this fair processing notice (Notice) sets out how we will use and share your personal information and explains your data protection rights and how to contact us. In this Notice, references to you or your shall mean you as a customer or a prospective customer of the pet insurance product (Pet Insurance) which is arranged, administered and underwritten by Allianz Insurance plc. If you decide to purchase Pet Insurance, this Notice should be read together with your policy documents.
We are Co-op Insurance Services Limited trading as Co-op Insurance Services (which is part of the Co-op Group) and we are classed as a "data controller" of your personal information. Our registered office address is at CIS Building, Miller Street, Manchester M60 0AL. When we use terms such as we, us and our in this Notice, we mean Co-op Insurance Services.
Our Data Protection Officer (DPO) can be contacted by emailing [email protected] or by letter to Data Protection Officer, Co-op Insurance Services Limited, CIS Building, Miller Street, Manchester M60 0AL.
We are introducing you to Allianz Insurance plc (Allianz) who are also a data controller of your personal information. Allianz will collect your personal information in order to provide you with your Pet Insurance and will share it with us for marketing and product management purposes. Further information about how Allianz uses your personal information can be accessed here. It is important that you read Allianz's privacy policy because it sets out your rights when it comes to their handling of your personal information, and also explains their privacy and data protection obligations.
When you apply for a quotation, purchase Pet Insurance, renew your policy, make a claim and/or complaint, Allianz collect certain information from you such as your name, gender, marital status, address, email address, internet protocol address, contact telephone number and bank account details. Allianz shares this personal information with us for the purposes set out below.
We may use your personal information:
We will only use your personal information where it is permitted by law and where:
We will share your personal information with:
We may also share your personal information with third parties in the event that our Co-op business or substantially all of its assets are acquired by a third party and if we are under a duty to disclose or share your personal information in order to comply with any legal obligation, or to protect our rights, property, or the safety of our employees, customers, members or others.
We may need to transfer your personal information outside of the UK to countries where data protection laws may not provide the same level of protection as those in the European Economic Area. We shall ensure that any such transfers are lawful and that your personal information is kept secure.
We keep personal information for as long as we need to for the purposes we have set out above. Usually, we will retain your information for up to seven years, unless there is an exceptional business purpose in which case this time period needs to be extended. If you would like further information about our retention procedures, please contact us using the details at section 12 of this Notice.
Data protection laws give you a number of rights as set out below. If you would like to exercise any of your rights in relation to the personal information we hold about you, please contact us using the details at section 12 of this Notice.
Please note that we can only assist you with exercising your rights in relation to the personal information that we hold about you. If you would like to exercise your rights in respect of the personal information that Allianz collected from you and holds about you, please contact Allianz directly using the details at section 12 of this Notice.
Right to access your personal information: you may request access to a copy of your personal information. Please send all requests for access to us in writing.
Right to withdraw consent: if you have given us consent to use your personal information to send you marketing, you can withdraw your consent at any time.
Right to rectification: you may ask us to rectify any inaccurate information we hold about you. If you would like to update the personal information we hold about you, please contact us.
Right to erasure: you may ask us to delete your personal information. If you would like us to delete the personal information we hold about you, please contact us, specifying why you would like us to delete your personal information.
Right to portability: you may ask us to provide you with the personal information that we hold about you in a structured, commonly used, machine readable format, or ask for us to send such personal information to another data controller.
Right to restriction: you can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.
Right to object: you may object to our processing of your personal information pursuant to this Notice. Please contact us, providing details of your objection.
Right to make a complaint: you may make a complaint about our data processing activities by contacting us using the details at section 12 of this Notice. Alternatively, you may make a complaint to the UK supervisory authority, which is the Information Commissioner's Office, by visiting their website at www.ico.org.uk, by phoning 0303 123 1113 (local rate) / 01625 545 745 (national rate), or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
We will treat all of your personal information in strict confidence and we will take all reasonable steps to keep your personal information secure once it has been transferred to our systems. We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information. Please note that we cannot guarantee the security of any data you disclose to us online. You accept the inherent security risks of providing information and dealing online and will not hold us responsible for any loss or damage that you incur.
We may modify this Notice from time to time, so please review it regularly. We will let you know when we make any material changes to this Notice by means of notice on our website or if appropriate, by contacting you directly. This Notice was last amended on 8 May 2018.
If you have any queries relating to this Notice or our use of your personal information or wish to exercise any of your rights, please contact our Data Protection Officer by email at [email protected] or by letter to Data Protection Officer, Co-op Insurance Services Limited, CIS Building, Miller Street, Manchester M60 0AL.
If you have any queries about how Allianz uses your personal information please contact Allianz directly by emailing [email protected], by letter to Data Protection Officer, Allianz Insurance plc, 57 Ladymead, Guildford, Surrey GU1 1DB or by calling 0330 102 1837.
Handle all claims within 3 - 10 working days on receipt of all required info.
It’s important you keep information relating to your policy up to date. Your pet must live at the address shown on your Certificates of Insurance, which is a condition of your cover.
Please be aware that as your address influences the price of your policy, if you are changing address this may affect the price of your policy at your next renewal.
If you have changed address, please get in touch.
There are a number of factors that impact your premium, such as your pet’s age, increased veterinary costs, advancements in veterinary medicine and any claims you have made.
These mean your premium will increase at each policy renewal and over the lifetime of your policy. There could be a substantial impact on your renewal premium depending on the combination of factors that have to be taken into consideration.
Please also be aware that if you change your address this may affect the price of your policy at your next renewal.
We may change the excess you pay at the renewal of your policy.
The flat excess for new business will be increased to £99 across all products.
Typically, a percentage excess in addition to the fixed excess is introduced at the pet’s 10th birthday for cats and dogs, or 7th birthday for some breeds of dogs.
You will be notified at least a year in advance of any percentage excess being added to your policy. Details of your excess can be found in the 'Your excesses' section of your Certificates of Insurance.
Applicants for insurance are subject to normal underwriting criteria.
A new customer is someone who has not had a Pet Insurance policy with Co-op Insurance or Co-op Insurance Services in the last 12 months.
†There is no cover for illness which starts in the first 14 days of the policy or any pre-existing conditions. If your pet was ill or injured at any time before your insurance started we will not cover any costs relating to that illness or injury. This is in addition to any specific exclusions on your policy.
Your premium will increase over the lifetime of your policy and terms, conditions and excesses apply and may be varied on renewal. Typically a 20% excess (in addition to the flat excess) is introduced at the pet’s 10th birthday for cats and dogs and 7th birthday for some breeds of dog.
Pet insurance from Co-op Insurance Services is provided, underwritten and administered by Allianz Insurance plc. Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Co-op Insurance Services is a trading name of Co-op Insurance Services Limited. Co-op Insurance Services Limited is not part of the Allianz (UK) Group
Calls may be monitored or recorded for security and training purposes.
