Pet Insurance made easy

Great reasons to choose Geoffrey Pet Insurance

At Geoffrey we know that if your pet is poorly, you want nothing more than to have them home for a great big cuddle. We therefore provide comprehensive pet health insurance policies to ensure that you can get them the care and attention they need.Cat-No-background.png

When insuring with us you can expect a range of plans, for dogs and cats, to suit your individual needs and budget, complemented by:

  • FREE PETKIT Activity Monitor with every pet policy purchased 
  • 5% discount for insuring more than one pet
  • Fixed Price Guarantee - no price increase for TWO years on your policy **
  • A UK contact centre
  • All claims assessed by a team of vet nurses who understand your pet’s illness or accident
  • Essential vets fees cover up to £6,000
  • A minimum of £1m public liability cover included with all policies
  • Monthly payment option with no extra charges (subject to status) 
  • Insurance for pedigree pets, cross breeds, mongrels and moggies
  • Cover available for kittens and puppies from as young as 8 weeks old
  • Submit and track your claims online 

Offering a range of pet cover

At Geoffrey Insurance we offer four levels of pet insurance cover for cats and dogs to suit all your and your pet’s needs:

  • Accident Only
  • 12 Month Cover
  • Standard Lifetime Cover
  • Enhanced Lifetime Cover
  Accident Only 12 Month Cover Standard
Lifetime Cover
Enhanced
Lifetime Cover
Product type Accident Only 12 Months Lifetime Lifetime
Vet's fees £1,500 £1,500 £2,000 £6,000
Inner Limit MRI £1,000 £1,500 £2,000 £2,000
Including a limit
for CT scan of
£1,500 £1,500 £2,000 £2,000
Including a limit for
Cruciate surgery of
£1,500 £1,500 £2,000 £3,000
Fixed excess (per
incident, per year)
£85 £85 £85 £85
Variable excess
(per incident, per year)
10%
Aged 7+
10%
Aged 7+
10%
Aged 7+
10%
Aged 7+
Death from illness
under 8 years for Dogs
under 10 years for Cats
N/A £750 £1,000 £1,500
Death from injury £500 £750 £1,000 £1,500
Advertising & reward costs £300 £500 £750 £1,000
Theft & straying £500 £750 £1,000 £1,500
Boarding fees £500 £750 £750 £1,500
Third party liability
(Dogs Only)
£1m £1m £1m £1.5m
Holiday cancellation N/A £500 £750 £2,500
Quarantine costs £500 £1,000 £1,500 £1,500
Loss of PETS passport £250 £250 £250 £250
Emergency expenses
cover abroad
£250 £500 £1,500 £1,500
Overseas travel 30 Days 30 Days 30 Days 180 Days
Accidental damage N/A N/A £500 £750
Helplines        

Cover levels explained

Accident Only:
Our Accident Only cover level DOES NOT COVER ANY ILLNESS, it is a “Maximum Benefit” policy which enables you to claim up to the specified limit of £1,500 for vet fees for treatments arising from an accident, from when it is first noted by you or your vet. The cover level decreases with each claim you make. When you renew your policy the cover level will be set at the sum available as at the last day of cover prior to the renewal date. The £1,500 of cover for the condition does not reset when you renew the policy. For example, if your pet suffers an accident, you can claim for several treatments related to that incident – but to a maximum of £1,500. When the specified £1,500 limit is reached you will no longer be able to claim for treatment arising from that particular accident, but you could claim for further separate incidents – again, the specified limit would be £1,500.

12 Month cover:

Our 12 Month cover level is a “time-limited” policy which enables you to claim up to the specified limit of £1,500 for vet fees for treatments arising from the same incident (whether that is illness or accident, or death by either) for up to 12 months from when it is first noted by you or your vet. The cover levels decrease with each claim you make. When you renew your policy the cover levels will be set at the sum available as at the last day of cover prior to the renewal date and for only the balance of any 12 month period left since the date that the condition was first noted, the 12 month period of cover for the condition does not reset when you renew the policy. For example, 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 – but to a maximum of £1,500. After 12 months from the initial illness/accident OR when the specified £1,500 limit is reached (whichever is sooner) you will no longer be able to claim for treatment arising from that particular illness/accident, but you could claim for further separate incidents – again, the specified limits of £1,500 and 12 months would apply.


Lifetime cover:
Cover levels Standard and Enhanced are all lifetime contracts, which provide a fixed amount of money each year to cover all veterinary treatment. “Lifetime” refers to the ability to renew the contract each year, and the level of cover does reset when you renew the policy each year.
Should your pet’s total veterinary treatment in the policy year exceed the limit applicable for your chosen level of cover there will be no further cover until the renewal of the policy when the cover does reset at renewal.
So long as you keep your policy renewed, the premiums paid up to date and the insurer invites renewal, there is no limit on how long you can claim for each illness or injury.
 

Free PetKit Activity Monitor Dog-wearing-PetKit-1.PNG

Because we care about pets’ health, for every new Geoffrey pet insurance policy taken out we will send you a FREE PETKIT P2 Activity Monitor.
 
The award winning PETKIT P2 Activity Monitor normally retails at £55.99, but we believe in rewarding our customers, therefore we'd like to give it to you completely free of charge.
 
The PETKIT P2 Activity Monitor records pet activity and sleep 24/7, which you can view anytime on the PETKIT App.

Click HERE to read more about the FREE PETKIT Activity Monitor.

Multipet Discount

Receive 5% discount off your policy premium for every additional cat or dog you insure with Geoffrey Insurance. 

** Fixed Price Guarantee

For new pet insurance policies taken out for cats & dogs aged up to 1 year 11 months, we will guarantee your premium when you renew for a second year with Geoffrey Insurance.

Fixed Price Guarantee Terms and Conditions:

  • The Fixed Price Guarantee is for 2 years only, i.e. The premium price you pay in the first year will be fixed for your first renewal 12 months later
  • The Fixed premium will exclude IPT (Insurance Premium Tax)
  • The Fixed Price Guarantee applies to all pet policy cover levels
  • This offer applies to cats and dogs          

Bereavement Counselling

An understanding, confidential and professional service enabling you to talk for as long as you need about the death or illness of your pet. Help and advice to address the symptoms brought about by bereavement is available 24 hours a day, 365 days a year.
Call: 0333 003 2258

Pet Legal Helpline

Lawyers are available to provide advice and explain legal issues in plain English and in a friendly and helpful way - available 24 hours a day, 365 days a year.
Call: 0333 003 2258

Pet Minders

This enables you to locate a registered pet minder (on a national basis) for either a few minutes or indeed weeks, in order to look after your pet while you are away.
Call: 0330 102 5743
 

Top Tips

 
Make the most of your Pet Policy. We are unable to provide advice, however below are 10 important points on how to make the most of your pet insurance policy.

  1. To make the most of your pet policy, ask your veterinary surgeon for an estimate before treatment and shop around as all vets charge different prices even in local areas. Please do your research before accepting the first quote you receive.
  2. To find out veterinary prices, shop around as all policies either have a maximum limit per condition or a pot of money for the year for all conditions so this will make your money go further, meaning you can treat your pet for longer.
  3. To obtain the best value for money ensure you check medication prices, ask your vet for a prescription (there will be a charge for this) and you can search the internet for a UK online pharmacy.
  4. When buying your pet make sure you obtain a signed and dated receipt from the seller, with their name and address included. Keep this in a safe place.
  5. Make sure your pet has regular routine health checks. Often a routine check will pick up any early signs of illness, which may require treatment, and in some cases can help prevent an illness occurring. Both of which will help your pet and the amount of treatment needed. Also, maintaining your pets’ correct weight is important as being under or overweight can lead to other illnesses.
  6. If you need to make a claim please click here for further instructions.
  7. You must make sure your veterinary surgeon fills in and signs the claim form before you fill in your part so you can understand what your vet is claiming for.
  8. For any treatment costs over £1,000 contact us on pet@geoffreyinsurance.com or telephone us on 01227 284 955 for a pre-authorisation. Different referral practices have different prices so talk to your veterinary surgeon for the different choices you have.
  9. Make a claim and track a claim – you can make or track your claim online to see where your claim is. The main headings are:
    • New claim from customer – online claim notification received waiting for claim documents
    • Awaiting documentation – awaiting claim form and/or supporting documents
    • Ready to process – your claim is ready to be assessed
    • Ready to pay – your claim has been assessed and is ready to pay
    • Awaiting payment – your claim payment is being processed
    • Complete settled – Your claim has been settled
    • Complete declined – claim declined email/letter will be sent detailing our reasons, please wait for this before contacting us
    • Payable - under excess (complete) – claim not payable as amount under excess
    • Returned – claim incomplete, returned to policyholder
    • Referral – awaiting any further information or clinical history
  10. On some policies there are inner limits for Veterinary Fees these are for Cruciate Ligament, MRI/CT Scans and Complementary Medicine. The reason we have these in place is that the conditions that MRI/CT Scans diagnose tend to be complicated and this enables you to have cover at diagnostic stage and treatment for the condition instead of using all your cover for diagnosing the condition. Cruciate Ligament cover is restricted to keep your premiums lower.

Pet News

Visit our Pet News for hints, tips, advice and the latest pet news.

Amending your policy

To make a change to your pet insurance policy such as: adding another pet, changing your address or any other query call us on the number below.  Please refer to the Fees and Charges section of the website to understand any charges that may be incurred.
 
Call: 01227 284 955
Email: pet@geoffreyinsurance.com
 
Lines are open from:

  • Monday to Friday - 8am to 9pm
  • Saturdays - 9am to 5pm
  • Sundays - Closed
  • Bank Holidays - 9am to 5pm

Contact us

 
Below are important numbers you can contact us on if you need a quote, or our support:

Reason for your call

Telephone number

Pet Insurance Quote

01227 284 933

Existing pet insurance customers

01227 284 955

To discuss renewing your pet insurance policy

01227 284 977

Pet Insurance Claims

01227 284 955

Bereavement Counselling Helpline

0333 003 2258

Pet Legal Helpline

0333 003 2258

Pet Minder Helpline

0330 102 5743


Alternatively email us at pet@geoffreyinsurance.com  

Our pet insurance UK contact centre lines are open from:

  • Monday to Friday - 8am to 9pm
  • Saturdays - 9am to 5pm
  • Sundays - Closed
  • Bank Holidays - 9am to 5pm

What happens when my policy is due to renew?


All our policies are annual policies effective from the commencement date. At renewal we will contact you by email or by post where no valid email address is provided, to inform you about any changes to the premium and/or policy terms and conditions for the next 12 months.
 
If you pay your premium by Direct Debit there is no need for you to take further action, your policy will automatically renew, subject to policy terms and conditions. If you pay by debit or credit card you need to contact us to make payment before the renewal date.
 
If you do not wish to renew your policy, you should cancel your Direct Debit.
 
Ultimate Insurance Solutions Limited may change the underwriter or administrator of your policy at renewal.  If this happens you will be notified of any changes when your renewal documents are sent to you.  If you do not want us to change the underwriter you must notify us and we will not be able to renew your policy.
 
Your renewal documents will be sent to you by email at least 21 days before the renewal date of your policy.  We will email the last email address given to us by you.  We are unable to prevent these from going into your spam or junk folders so please check these folders as well as your current inbox.  If your email address changes between the policy start date and renewal date please inform us so that we can keep your records up to date.
 
If you have not provided us with an email address, we will post renewal documents to your last known address.

Cancelling your pet insurance policy

Please visit our Cancellations page for more information about cancelling your pet insurance policy.

Fees and charges

Please visit our Fees and Charges page for more information about fees and charges for your pet insurance policy.

What is a claim excess and how much will this be?

The claim excess is your contribution to the costs of treating your pet. The fixed excess will be £85 per condition, per policy year. For pets aged 7 years and over, a 10% co-payment, also known as 'variable excess' will apply to the remaining claim for veterinary fees, special diet and complementary medicine after the excess has been deducted, and for any claims for that condition thereafter. 

What is a co-payment?

This is the amount you pay towards the vet fee claim for each condition. For all pets aged 7 years and older the mandatory co-payment amount is 10%. This is in addition to the standard £85 excess. For example if you made a claim of £300 the initial excess of £85 would be deducted and you would then be required to pay 10% of the remaining £215 balance, which is £21.50. Therefore the total you would be required to pay towards the claim is £106.50. 

Claims

Please visit our Claims page for more information about how to make and track a pet insurance claim.

Policy documents 

Please visit our Policy documents page to view pet insurance policy documents. 

Advice

We are here to help in any way we can, but we are unable to give you advice or recommendations regarding your pet insurance policy. We will give you information about a product but cannot make a decision for you.

What to do if you need to complain?

Please email our Complaints Department at complaints@ultimateservices.co.uk or telephone 01227 284 955 or, write to Geoffrey Pet Insurance, The Complaints Manager, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.
 
If you are not satisfied with the final decision, you may refer your complaint to the Financial Ombudsman Service (FOS), Exchange Tower, Harbour Exchange Square, London, E14 9SR, telephone 0800 023 4567 from a landline or 0300 123 9123 from a mobile phone. Details on how to progress your complaint with the FOS can be found at www.financial-ombudsman.org.uk or alternatively you can use the Online Dispute Resolution Platform (ODR).
 
Full details of our complaints procedure can be found in our Policy Wording, a copy of which is available on request.