Review: MiPet Pet Insurance

Ronny Lavie By

Key policy features

  • Four cover options to choose from

  • Cover designed by vets

  • Lifetime cover available

  • Four weeks free cover for eligible customers

Find out if MiPet Cover Pet Insurance made it into our list of the top 10 pet insurance providers for dogs.

Or, read on to learn more about:

What types of pet insurance does MiPet Cover offer?

MiPet Cover offers insurance for cats and dogs and has four cover options to choose from:

Annual

This is a time-limited policy (for 12 months) which includes £3,500 per condition for vet bills, £1,000 for death from illness (max age 8), £1,000 for death from accident, £250 for advertising if your pet is lost or stolen, £1,000 for a reward if your pet is lost or stolen, £1,000 for loss by theft, £1,250 for boarding and kennel fees, £1m for third party liability (dogs only), £1,250 holiday cancellation cover, £500 for quarantine costs, £250 for loss of pet passport, £250 for emergency expenses abroad and £250 for repeat tick and worming.

Essensial Life

This is a Lifetime policy which includes £4,500 per year for vet bills, £1,500 for death from illness (max age 8), £1,500 for death from accident, £500 for advertising if your pet is lost or stolen, £1,000 for a reward if your pet is lost or stolen, £1,500 for loss by theft, £1,500 for boarding and kennel fees, £2m for third party liability (dogs only), £1,500 holiday cancellation cover, £1,000 for quarantine costs, £250 for loss of pet passport, £500 for emergency expenses abroad and £500 for repeat tick and worming.

Classic Life

This is a Lifetime policy which includes £7,500 per year for vet bills, £1,500 for death from illness (max age 8), £1,500 for death from accident, £750 for advertising if your pet is lost or stolen, £1,000 for a reward if your pet is lost or stolen, £1,500 for loss by theft, £1,750 for boarding and kennel fees, £2m for third party liability (dogs only), £1,750 holiday cancellation cover, £1,000 for quarantine costs, £250 for loss of pet passport, £750 for emergency expenses abroad and £750 for repeat tick and worming.

Premier Life

This is a Lifetime policy which includes £12,000 per year for vet bills, £2,000 for death from illness (max age 8), £2,000 for death from accident, £1,000 for advertising if your pet is lost or stolen, £1,000 for a reward if your pet is lost or stolen, £2,000 for loss by theft, £2,000 for boarding and kennel fees, £3m for third party liability (dogs only), £2,000 holiday cancellation cover, £1,500 for quarantine costs, £250 for loss of pet passport, £1,000 for emergency expenses abroad and £1,000 for repeat tick and worming.

An excess fee of £85 per condition per year applies to all policies, as well as a 10% variable (additional) excess per condition per year for claims regarding dogs over the age of 6 and cats over the age of 8.

MiPet Cover policies are available to pets between the ages of 8 weeks and 15 years, but dogs over the age of 8 and cats over the age of 10 are eligible for Annual policies only.

All policies include cover to countries included in the PETS Travel Scheme (as long as you comply with the conditions of the scheme). For more information about the scheme, see our guide to travelling with your pet.

All customers get access to a UK-based helpline.

Please be aware there is an Australian pet insurance company called MiPet Insurance – this is a different company, with no association to MiPet Cover.

To learn what Time-Limited and Lifetime insurance policies mean, take a look at our Pet Insurance FAQs.

See how MiPet Cover compares to other providers in our list of the best pet insurance companies.

Does MiPet Cover insurance cover dental treatment?

All MiPet Cover policies include dental treatment as a result of an accident.

Subject to evidence of yearly dental check-ups, where any work recommended is carried out at your own expense, they will also cover dental treatment as a result of illness.

Does MiPet Cover insurance covers pre-existing medical conditions?

No. You may still be able to get cover with MiPet if your pet has pre-existing conditions, but any illness, injury or symptoms your pet had before the start of the policy will not be covered.

How much does pet insurance from MiPet Cover cost?

The cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions, and the owner’s postcode.

To give you an indication of the cost, we retained these example quotes from MiPet Cover:

3-year-old Staffordshire Bull Terrier living in Milton Keynes: Annual - £26.03 monthly/£312.36 annually; Essential Life - £45.41 monthly/£544.92 annually; Classic Life - £51.55 monthly/£618.60 annually; Premier Life - £68.96 monthly/£827.52 annually.

5-year-old moggie cat living in Milton Keynes: Annual - £7.03 monthly/£84.36 annually; Essential Life - £10.53 monthly/£126.36 annually; Classic Life - £12.87 monthly/£154.44 annually; Premier Life - £16.38 monthly/£196.56 annually.

Are discounts available for MiPet Cover pet insurance?

At the time of writing this article, we couldn’t find any discounts or cashback deals for MiPet Cover online.

However, the company offers 4 weeks free cover to customers taking out policies for cats and dogs ages between 8 weeks and 1 year.

MiPet Cover customer reviews

As MiPet Cover is a new company (it was launched in 2017), there aren’t many reviews for it online just yet.

The Company has one 5 out of 5 stars review on its Facebook page: ‘Recently switched to MiPet insurance and very pleased so far. Easy to swap over, very helpful over telephone and I'm saving over £30pm for the same premium lifetime cover I had previously for my 2yr old Manchester Terrier, with veterinary staff discount. Happy to recommend.’

How to make a claim on MiPet Cover pet Insurance?

Notify your vet surgery of your intention to claim and provide your vet with your MiPet Cover policy number. You have 60 days from the date of the treatment to make the claim.

If your vet is equipped to make electronic claims, you can fill in an electronic claim authorisation form for each condition at the surgery, and they will submit the claim directly to MiPet Cover.

Alternatively, download a claim form online.

MiPet Cover says it will be in touch within 2 working days and claims are usually processed within 5 working days (on average).

If you require any further assistance, you can contact MiPet Cover’s claims helpline on 0808 164 8001. Lines are open 8am-6pm Monday-Friday and 9am-2pm on Saturdays.

Other services available from MiPet Cover

MiPet Cover specialise in pet insurance, and so offer no other services.

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Bought By Many Ltd is a company registered in England and Wales with number 7886430. Address: 1-10 Summers Street, London EC1R 5BD. Bought By Many Ltd is authorised and regulated by the Financial Conduct Authority - Register number 652623. This register can be checked for details of our permissions, history and contact details.