Co-operative Pet Insurance Review

Co-operative Pet Insurance Review

Reviewed by:

Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of Co-operative Pet and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Co-operative Pet Insurance

Co-operative Pet Insurance Reviewed by Denise 03/10/2020.

The co-operative Wholesale society was formed in 1863. A business that would be owned by its members and work for the common good. Customers reaped the many benefits of co-operative trade.

Fast Forward to today and Co-op are the fifth biggest food retailer in the UK. They are the UK's number one funeral services provider and as well as a growing supplier of legal services, they also a major general insurer.

CIS General Insurance Limited are the Insurance arm of the Co-op. They are authorised by the Prudential Regulation Authority and the Financial Conduct Authority.

Pet Insurance is underwritten and administered by Allianz Insurance plc. Allianz Insurance plc is also authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

 
 

How to Buy Pet Insurance from Co-operative Pet

Click on the website link to go directly to the insurance providers website. Visit Co-operative Pet's Website and Get a Quotation direct

How Co-operative Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Co-operative Pet.

Dog Policy Ratings Click to Expand

We have reviewed 2 Dog Policies from Co-operative Pet Insurance. They are - Select Plus - Classic . We have rated these as follows:-

Rating for Dog Select Plus :

Rating for Dog Classic :

Co-operative Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Co-operative Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 2 Cat Policies from Co-operative Pet Insurance. They are - Select Plus Vet Fees - Classic Vet Fees . We have rated these as follows:-

Rating for Cat Select Plus Vet Fees :

Rating for Cat Classic Vet Fees :

Co-operative Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about Co-operative Pet's policy wording

1. What are the eligibility criteria for Pet Insurance?

You must be a new customer (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.)

You must be the owner of the pet and you must live, together with your pet at an address in the UK, Isle of Man or Channel Islands.

Your pet must be older than 6 weeks (or 8 weeks if sold by a licensed breeder) and under the age of 8 for dogs and 10 for cats (under 5 for the following breeds Bernese Mountain Dog, Bulldog, Pyrenean Mountain Dog, Deerhound, Estrela Mountain Dog, Great Dane, Irish Wolfhound, Leonberger, all Mastiff breeds, Newfoundland, Old English Sheep Dog, Dogue de Bordeaux, Rottweiler, St Bernard, Beauceron, Shar Pei)

 
 
 

2. What type of policies do they offer?

Co-operative Insurance offer two Pet policies;

Classic - A policy limited to 12 months, covering vet fees up to a maximum of £2,000.

Select Plus - A lifetime policy covering vets fees up to a maximum of £5,000 which is re-instated every year, provided there is no break in cover.

 
 

3. What's not covered?

This is a breakdown of important policy exclusions.

Co-op Pet Insurance does not cover:

  1. The cost of any preventative, diagnostic or unnecessary treatment.
  2. The cost of killing and controlling fleas and or general health improvers
  3. Any treatment in connection with breeding, pregnancy or giving birth.
  4. Transplant surgery, the cost of artificial body parts, with the exception of hip, knee and elbow joint replacements.
  5. House visits and out of hours treatment, unless confirmed by your vet that your pet was suffering a life threatening injury or illness, or that moving your pet would have worsened the situation.
  6. Neutering, Spaying, retained testicles (unless your pet was aged under 12 weeks when cover started)
  7. The cost of any vaccinations.
  8. Bathing, Grooming or Dematting.
  9. The cost of Pheromone products, unless they are used as part of a structured behaviour modification programme.
  10. The cost of equipment or machinery.
  11. Your dog if used for security, guarding, track racing or coursing.
  12. Your dog it is is crossed with a Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasileiro, Czechoslovakian Wolfdog, Saarloos Wolfhound/Wolfdog or any wolf hybrid, or is required to be registered under the dangerous dogs act.
 
 

4. What are the policy conditions?

You are required to maintain your pets health and provide a secure environment, so as to prevent injury, illness, theft or straying.

Maintain control of your pet, to prevent injury or damage to a third party (person or animal),or property.

You must carry out any vet recommendations, including regular worming and flea treatments.

Your pet must be vaccinated against:

For dogs - distemper, hepatitis, leptospirosis and parvovirus.
For cats - feline infectious enteritis, feline leukaemia and cat flu.

 

5. Are complementary treatments covered?

The Classic policy excludes cover for any complementary treatment.

The Select Plus policy covers complementary treatments, but only up to £750, which is lower than the industry average.

The following treatments are covered; Acupuncture, Chiropractic manipulation, Osteopathy, Herbal medicine, Homeopathy, Hydrotherapy (hydrotherapy up to a maximum of 10). They must be recommended by a vet and carried out by a suitably qualified person.

The select plus policy also covers the cost of treating a behavioural illness, which is described as a change to your pet’s normal behaviour that is caused by a mental or emotional disorder. The Co-op will not cover any behavioural illness which could have been prevented by training and/or neutering. House calls by a vet are covered if it is in connection with the treatment of behavioural problems.

 
 

6. Does the policy cover Prescription food and Dentistry?

Co-op Pet Insurance covers prescription food under the following circumstances.

  1. To dissolve bladder stones or crystals in urine, up to 40% of the overall cost for a maximum of 6 months
  2. Your pet requires liquid food, whilst hospitalised, providing your vet confirms it is essential to keep your pet alive.

Co-op Pet Insurance covers dental costs as a result of injury or illness, provided your pet had a dental exam within 12 months of the condition and any treatment was carried out within 3 months.

 

7. Are MRI/CT scans and Cruciate Ligament claims covered?

Both policies cover the cost of MRT/CT scans and Curciate Ligament claims up to the vet fees limit.

 
 

8. Does the policy cover the cost of euthanasia?

Neither policy covers the cost of having your pet put to sleep, burial or cremation.

 

9. Can I cover more than one pet on the same policy?

You are able to insure multiple pets under the same policy, dog or cats and benefit from a 5% multi pet discount.

 

10. Will the policy cover my pets pre-existing medical conditions?

You cannot cover a pet's pre-existing medical conditions under the co-op policy. Medical conditions are described as any injury or illness, that first showed clinical signs before cover started.

 
 

11. Will the policy cover my pet during pregnancy?

The policy excludes any treatment in connection with breeding, pregnancy or giving birth.

 
 

12. Am I covered to take my pet abroad?

Both policies include cover for Pets Abroad as an optional extra. This section covers your pet whilst abroad for a maximum of 90 days per year. The Government Pets scheme allows you to travel to certain European Countries without the need for quarantine.

Both policies extend emergency vet fees, as well as emergency repatriation, additional quarantine, and loss of your pet's passport

 
 

13. How long does the policy run for?

Co-op Pet Insurance is in force for twelve months, as long as you continue to pay your premium. At the end of the twelve months you need to renew the contract to continue with the cover.

 
 

14. How do I renew my policy?

Co-op will contact you before the renewal date with full details of the new premium together with any changes to terms and conditions, excess etc.

If you paid by direct debit, the policy will automatically be renewed and your premium debited. If you do not want to review, you should contact the Co-op to advise them of this before the renewal date.

 
 

15. How do I cancel my policy?

If you cancel the policy within the first 14 days, your will receive a full refund of premium.

If you cancel at any other time, you will receive a refund of any amount paid for cover after the cancellation date.

 
 

16. How easy is the process of making a claim and how quickly are claims paid?

You have up to 12 months to notify the co-op of any claim.

The policy wording contains a fairly comprehensive explanation of the claims process and the supporting documentation required, depending on the type of claim you are making.

Co-op uses Vet Envoy, to which over 2000 vets are signed up to. The benefit of this scheme is that any claim can be send electronically and you need only complete the electronic vet envoy authorisation.

Alternatively claim forms can be downloaded from the website.

 
 

17. Is there a waiting period before I am covered?

You are covered in the event of an accident or injury to your pet from the inception of the policy. There is no cover for any illness that showed signs or manifested within the first 14 days of the inception of the policy.

 

18. How much of any claim do I have to pay?

The excess is the first amount that you must pay of any claim you make. In this case the excess is £99 for dogs and cats.

 
 

19. Am I required to make additional monetary contributions to any claim?

In addition to the standard excess, when your pet turns 10 (7 for some dog breeds), you will be required to pay an additional monetary contribution of 20%. 

For example if your claim is for £1,000, you will be required to pay £99 excess plus 20% of the balance £180.20, total £279.20.

 
 

20. Website Navigation and online shopping experience

Even though the Co-op website deals with other insurances, the section on pet is easy to find.

The layout is good and Co-op provide plenty of information on the policy, the types of cover, eligibility criteria and choosing cover.

The quotation software is also easy to use and understand.

There is no live chat or email available for queries. The only option is phone their call centre.

 
 
 

21. Is the policy wording easy to understand?

The Co-operative policy wording is ok, but there is a lot of information to read and digest. Blue headings divide up the sections, although there is no summary of cover, or index to help find your way around.

A box encloses each section describing what is covered.

The policy wording text had a reading score of between 56.2 and 62.2 (out of 100), classed as somewhere between standard and fairly difficult to read.

The text had an average reading age of 14 - 15 years. This means that a person with a reading age of 14-15 years should be able to understand the policy.

 
 

22. Is the Insurer listed on comparison sites?

Co-operative Pet Insurance is not listed on Comparison Websites. For a quote go direct to their site.

 
 

23. Does the policy include a helpline?

The policy includes a legal helpline.

 
 

24. What do customer reviews say?

We were unable to find any customer reviews specifically relating to pet insurance.

 
 

25. Are there any administration charges?

We could find no mention of administration charges, so assume that they don't charge any.

 
 

26. Are there any special discounts or promotions?

You receive a 20% discount on your premium if you purchase online.

 
 

27. Overall Summary

We have awarded both policies 3 stars, having market average levels of cover.

The website is good and provides plenty of information, to help you make an informed decision.

One point to note is that unlike most Pet Insurers, you are unable to get a quote based on a mongrel dog. You will need to know the exact breed of your dog for the system to provide an accurate quotation.

Co-op will only quote for dogs under the age of 8 and cats under the age of 10. During testing we found once you added in the optional extras, which are standard on many policies, premiums weren't as competitive.

 

Co-operative Pet's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on co-operative-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Co-operative compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Co-operative Policies

We've highlighted Pro's and Cons for Co-operative, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Co-operative Pet.

  • Pay monthly by direct debit at no extra cost
  • Flexible options to tailor your cover
  • 5% Multi pet discount
  • Dental cover in the event of injury or illness
  • No cover for Euthenasia/Burial or Cremation Costs

What Cover do Co-operative policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Select Plus

    Dog

    Classic

    Dog

    Select Plus Vet Fees

    Cat

    Classic Vet Fees

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    99

    99

    99

    99

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    2,000

    0

    2,000

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    5,000

    0

    5,000

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    5,000

    2,000

    5,000

    2,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    5,000

    2,000

    5,000

    2,000

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    5,000

    2,000

    5,000

    2,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    100

    100

    0

    0

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    750

    0

    750

    0

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    100

    100

    100

    100

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    5,000

    2,000

    5,000

    2,000

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    250

    250

    250

    250

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

Sample Quotes from Co-operative Pet.

Listed below are some Sample Quotes offered by Co-operative Pet

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Select Plus

99

Lifetime Maximum Benefit 5,000

Complimentary Treatment 750

Dental 5,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Time Limited

Age: 6

Breed: Medium

Group: Mongrel

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Classic

99

Maximum Benefit Time Limited 2,000

Complimentary Treatment 0

Dental 2,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Dog

Cover:Maximum Benefit Time Limited

Age: 1

Breed: Medium

Group: Mongrel

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Classic

99

Maximum Benefit Time Limited 2,000

Complimentary Treatment 0

Dental 2,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Cat

Cover:Maximum Benefit Time Limited

Age: 1

Breed: Moggie

Group: Moggie

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Classic Vet Fees

99

Maximum Benefit Time Limited 2,000

Complimentary Treatment 0

Dental 2,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000

Type:Cat

Cover:Maximum Benefit Time Limited

Age: 6

Breed: Moggie

Group: Moggie

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Classic Vet Fees

99

Maximum Benefit Time Limited 2,000

Complimentary Treatment 0

Dental 2,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

Co-operative Travel Insurance Review
Product Rating

Experience Rating

Select Plus Vet Fees

99

Lifetime Maximum Benefit 5,000

Complimentary Treatment 750

Dental 5,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,000

Advertising and Reward 1,000