Confidas Pet Insurance Review

Confidas Pet Insurance Review

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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 Confidas and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Confidas Pet Insurance

Confidas Pet Insurance Review by Jonathan 02/10/2020

Confidas offer high quality insurance products, Home, Travel, Motor and Pet exclusively available through reputable advisers.

Confidas is a trading style of Smith Greenfield Services Ltd, a company authorised and regulated by the Financial Conduct Authority.


Confidas Pet Insurance is underwritten by UK Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. UK Insurance are the UK's leading personal lines motor and home underwriter, and hold an ‘A1’ credit rating from Moody’s.

Confidas offer two pet insurance policies Pet (Lux) and Pet (Max). To obtain a quote, you need to speak to one of their approved advisers. Contact Confidas to be directed to an Adviser near you.

 
 

How to Buy Pet Insurance from Confidas

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

How Confidas 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 Confidas.

Dog Policy Ratings Click to Expand

We have reviewed 2 Dog Policies from Confidas Pet Insurance. They are - Pet Lux - Pet Max. We have rated these as follows:-

Rating for Dog Pet Lux:

Rating for Dog Pet Max:

Confidas Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Confidas Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 2 Cat Policies from Confidas Pet Insurance. They are - Pet Lux - Pet Max. We have rated these as follows:-

Rating for Cat Pet Lux:

Rating for Cat Pet Max:

Confidas 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 Confidas's policy wording

1. What are the eligibility criteria for Pet Insurance?

Your pet must be older than 8 weeks and not show any vicious tendencies.

You and your pet's main home must be in the United Kingdom.

Your pet must be free from injury or illness at the start of the insurance.

 
 

2. What type of policies do they offer?

Confidas offer two policies Pet Lux and Pet Max.

We couldn't find any difference between the two policies as they both cover vets fees up to a maximum benefit of £8,000. This type of policy is known as a maximum benefit policy.

 
 

3. What's not covered?

This is a list of important exclusions. Confidas Pet Insurance will not cover:

  1. Any preventative or non essential treatment.
  2. Tests, or diagnostic procedures and general health supplements.
  3. Routine examinations, vaccinations, bathing, grooming, dematting and the treatment of infestations or parasites.
  4. Nail clipping, spaying or castration.
  5. Out of hours/house calls or hospitalisation, unless the vet confirms moving the pet would endanger it's life.
  6. The cost of housing or bedding.
  7. Any dog listed under the dangerous dogs act 1991.
  8. Medication unless prescribed by a vet.
  9. Claims against your pet for worrying livestock.
  10. Your pet if it has been used for commercial, racing, breeding, work or security purposes.
  11. Diseases that should be reported to the authorities for example rabies.
 
 

4. What are the policy conditions?

Your pet must wear a collar that shows your details

You must pay for your pet to have a dental examination every year and to carry out any treatment recommended by your vet.

You must provide written notice of all accidents, illness or disease within 90 days of the incident occurring.

 
 
 

5. Are complementary treatments covered?

Both policies cover complementary treatments up to £1,000

Complementary treatments cover Acupuncture, aromatherapy and homeopathy, physiotherapy, osteopathy, hydrotherapy and chiropractic treatment recommended by and carried out under the direction of a vet.

The policy also cover the treatment of behavioural disorders up to £250, provided they are carried out by a suitably qualified professional.

 
 

6. Does the policy cover Prescription food and Dentistry?

Both policies cover the cost of clinical diets up to £250

It does not cover any other wet or dry food, or clinical diets prescribed solely to help your pet lose weight or as a preventative measure.

Both policies cover up to £500 towards the cost of dental treatment. You must make sure your pet has had a dental check up within the last 12 months and carried out any treatment within three months of being recommended by the vet.

This section does not cover the removal of first teeth if your pet is more than 18 weeks old.

 

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

Both policies cover MRI/CT Scans and Cruciate Ligament claims up to the maximum vet fees limit of £8,000.

 
 

8. Does the policy cover the cost of euthanasia?

Both policies cover the cost of putting your pet to sleep up to £100, provided that this has been recommended by the vet.

It does not cover any costs associated with burial or cremation.

 
 

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

The policy states "You can insure all your pets under one policy"

 
 
 

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

Confidas pet policies will not cover any condition that was known about whether diagnosed or undiagnosed, before the start of the policy

 
 

11. Will the policy cover my pet during pregnancy?

There is no cover under either policy for any costs associated with your pet's Pregnancy.

 
 

12. Am I covered to take my pet abroad?

You are covered to take your pet abroad under the governments "PETS" scheme, up to a maximum of 3 journeys and 30 days each journey.

Vets fees cover is extended to cover this period, together with quarantine costs, emergency repatriation and loss of pet passport.

The policy will also pay up to £200 if your pet has to be put to sleep whilst on the journey.

 
 

13. How long does the policy run for?

The policy runs for 12 consecutive months and is renewable annually.

 
 

14. How do I renew my policy?

Confidas or their representatives, will write to your at least 21 days before the renewal date, with details of any changes in the terms, conditions or premium. If you have signed up to automatic renewal by debit, credit card or direct debit, your policy will renew automatically, unless you advise the company to stop the renewal by contacting the before the renewal date.

 
 

15. How do I cancel my policy?

You have 14 days in which to change your mind. If you cancel within 14 days and have not made a claim, you will be entitled to a full refund of any premium paid.

If you cancel the policy outside the 14 day window and have not made a claim, you will be entitled to a refund of the unused portion of your premium.

If you have made a claim and wish to cancel the policy, you will be entitled to no refund.

 
 

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

If you need to make a claim, you can call their claims handlers who are available 24/7 to make all the necessary arrangements.

 
 

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

Your pet is covered against accidents from the start of the policy. Any illness that occurs within the first 14 days of the start of the policy is not covered.

 
 

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

You will need to pay the first £100 in respect of dogs and £75 in respect of cats of any claim that you make under the policy.

 
 

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

When your cat or dog reaches the age of 7, you will be required to pay an additional 20% of the cost of any claims.

For example if the claim was for £1,000 you would have to pay £100 excess plus 20% of the balance totalling £280.

 
 

20. Website Navigation and online shopping experience

The website provides information on the two policies a breakdown of cover and access to the policy wordings.

The website does not provide online quotations, but directs you to a recommended adviser.

 
 

21. Is the policy wording easy to understand?

The policy wording is 24 pages long and nicely laid out. A summary of cover is provided and coloured headings makes the reading process a bit easier.

The policy text had a reading score of 64.3 (out of 100), classed as standard to read.

The text had an average reading age of 13 - 15 years. This means that a person with a reading age of 13-15 years should be able to understand the policy.

 

22. Is the Insurer listed on comparison sites?

Confidas is not listed on comparison websites.

 
 

23. Does the policy include a helpline?

The policy includes helplines like find a vet or bereavement counselling.

 
 

24. What do customer reviews say?

We couldn't find any customer reviews on Confidas Insurance policies.

 
 

25. Are there any administration charges?

We could not find any information on administration charges.

 
 

26. Are there any special discounts or promotions?

There are currently no special discounts or promotions.

 
 

27. Overall Summary

Confidas do not supply online quotations, so we are unable to comment on the competitiveness of the policies they offer.

 
 

Confidas's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on confidas-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 Confidas 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 Confidas Policies

We've highlighted Pro's and Cons for Confidas, 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 Confidas.

  • Treatment of behavioural disorders up to £250.
  • Clinical Diets up to £250
  • No online quote facility

What Cover do Confidas 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

    Pet Lux

    Dog

    Pet Max

    Dog

    Pet Lux

    Cat

    Pet Max

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    75

    75

  • 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

    8,000

    8,000

    8,000

    8,000

  • 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

    0

    0

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    500

    500

    500

    500

  • 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

    1,500

    1,500

    1,500

    1,500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    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

    8,000

    8,000

    8,000

    8,000

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

    8,000

    8,000

    8,000

    8,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    100

    100

    100

    100

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    250

    250

    250

    250

  • 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

    5,000

    5,000

    5,000

    5,000

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    8,000

    8,000

    8,000

    8,000

  • 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 Confidas.

We are currently Awaiting Details of quotes for this provider.

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