Coutts & Co Pet Insurance Review

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

Who are Coutts & Co Pet Insurance

Coutts and Co Pet Insurance reviewed by Maureen Juniper 01/11/2020

Coutts and Co part of Natwest Holdings, an intermediate holding company for the Natwest Group's retail banking interests in the United Kingdom.

The Coutts and Co Pet Insurance policy is only available to Coutts and Co bank account holders.

The policy is underwritten by U K Insurance Limited (UKI) who were established in 1974 and underwrites policies for many well-known brands.

 
 

How to Buy Pet Insurance from Coutts & Co

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

How Coutts & Co 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 Coutts & Co .

Dog Policy Ratings Click to Expand

We have reviewed 1 Dog Policies from Coutts & Co Pet Insurance. They are - Premier Pet . We have rated these as follows:-

Rating for Dog Premier Pet :

Coutts & Co Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Coutts & Co Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 1 Cat Policies from Coutts & Co Pet Insurance. They are - Premier Pet Insurance . We have rated these as follows:-

Rating for Cat Premier Pet Insurance :

Coutts & Co 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 Coutts & Co 's policy wording

1. What are the eligibility criteria for Pet Insurance?

Your pet must be older than 8 weeks.

Your pet must have all routine vaccinations recommended by a vet.

You must take care of your pet and arrange to have any treatment to prevent illness or injury.

You and your pet must live in the United Kingdom and this must be your main home.

If your pet is a dog it must wear a collar with your details on it.

You must pay for your pet to have a yearly dental examination and carry out any recommended treatments.

 

 
 

2. What type of policies do they offer?

The Coutts & Co pet insurance policy is 5 star rated and offers up to £8,000 of vet fees cover per year.

 
 

3. What's not covered?

This is a list of the most important exclusions

The Coutts & co pet policy does not cover

  1. Preventative or non essential treatment, tests, or diagnostic procedures.
  2. Routine examinations, general health supplements
  3. Vaccinations, treatment of infestations or parasites
  4. Nail clipping, spaying or castration
  5. Hospitalisation, house or our of hours calls unless the vet confirms in writing that it was necessary.
  6. The cost of bathing, grooming or de-matting your pet
  7. Housing or bedding
  8. Non prescription medication
  9. Claims as a result of your pet worrying livestock
  10. use of your pet for commercial, racing, breeding, work or security purposes
  11. Any dog that is listed under the United Kingdom Dangerous Dogs Act 1991.

 

 
 
 

4. Are complementary treatments covered?

The policy covers up to £1,000 for complementary treatment, such as acupuncture, aromatherapy
and homeopathy treatment carried out directly by a vet and physiotherapy, osteopathy, hydrotherapy and chiropractic
treatment recommended by and carried out under the direction of a vet.

The policy also includes help of up to £250, if your pet has a change to it's normal mental or emotional state that could not be prevented by training

£250 for transportation costs for referral to another vet.

 
 

5. Does the policy cover Prescription food and Dentistry?

The policy will pay up to £250 towards a clinical diet to treat a condition, expect in the case of a diet to help your pet to lose weight or to prevent any condition.

The policy will also pay up to £500 for dental treatment, as long as your pet has received a dental examination within the last 12 months and any treatment carried out within three months.

 
 

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

The policy covers both MRI/CT scans and any cruciate ligament claim up to the maximum vet fees limit.

 
 

7. Does the policy cover the cost of euthanasia?

The Coutts Pet policy covers the cost of putting your pet to sleep up to £100, provided it is on the recommendation of your vet.

The policy will not cover the cost of putting your pet to sleep as a result of illness if your pet is a dog and is aged nine years or older or your pet is a cat and is aged 11 years or older.

The policy does not cover the cost of cremation or burial.

 
 
 
 

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

The policy allows you to insure all your pets (cats or dogs) under the same policy with one renewal date.

 
 

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

Any pre-existing medical condition that your pet had or showed symptoms for, prior to taking out a policy would not be covered.

 
 

10. Will the policy cover my pet during pregnancy?

The policy specifically excludes any claim relating to pregnancy, breeding or giving birth.

 
 

11. Am I covered to take my pet abroad?

The policy can be extended to cover your pet whilst on a journey to one of the countries listed in the Governments PETS scheme.

The scheme allows your pet to travel without the need for quarantine (subject to terms and conditions)

Cover is extended to include emergency vets fees, quarantine costs, emergency repatriation, loss of your pets passport and reasonable costs for repeat tapeworm treatment and the cost of putting your pet to sleep whilst on a journey.

 

 
 

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

The policy does not cover the costs in respect of any illness, or loss by straying that occurred in the first 14 days of the policy.

If your pet is lost or stolen you are unable to claim until after 45 days has elapsed and your pet is still missing .

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

You are expected to pay the first £100 of any claim.

£250 in respect of liability claims.

 
 

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

Once your pet reaches the age of 7, you will be required to contribute an additional 20% towards any claim.

For example is your claim is for £1,500, your contribution would be £100 plus 20% of the balance £280, totalling £380.00.

 
 

15. Is the policy wording easy to understand?

The 20 page policy wording is nicely laid out and included coloured headings.

A summary of limits tells you specifically how much is covered and a comprehensive index helps you navigate the sections.

In readability tests, the policy wording had mixed results scoring between 42.9 and 71.7 out of 100 which meant that some sections were fairly easy and some difficult to read.

The wording had a reading age of between 11 - 22 depending on which section you were reading. This means that a person with a reading age of 11-22 years should be able to understand the policy.

 

16. Is the Insurer listed on comparison sites?

The Policy is not listed on Comparison websites as only those with a Coutts & Co bank account are entitled to take out a policy.

 
 

17. Does the policy include a helpline?

The only helpline offered is a free legal helpline.

 
 

18. What do customer reviews say?

We were unable to find any customer reviews on Coutts & Co Pet Insurance.

 
 

19. Are there any administration charges?

There are no administration charges.

 
 

20. Are there any special discounts or promotions?

There are no special discounts or promotions.

 
 

21. Overall Summary

As mentioned you must be a Coutts & Co bank account holder to take advantage of this policy. The policy has been awarded a five star rating, but we are unable to assess the competitiveness.

 
 

Coutts & Co 's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on coutts-co-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 Coutts & Co 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 Coutts & Co Policies

We've highlighted Pro's and Cons for Coutts & Co, 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 Coutts & Co .

  • Premier Pet Policy awarded 5 stars
  • Clinical Diet cover up to £250
  • Dental treatment up to £500
  • Optional £5,000 holiday cancellation cover

No Con's

What Cover do Coutts & Co 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

    Premier Pet

    Dog

    Premier Pet Insurance

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

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

    0

    0

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

    0

    0

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

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    8,000

    8,000

  • Dental
    Dental Explanation
    Cover Type Icon

    500

    500

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,500

    1,500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    2,000,000

    0

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

    250

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    8,000

    8,000

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

    8,000

    8,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    100

    100

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

    1,000

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    250

    250

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,000

    1,000

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    500

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    2,000

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    8,000

    8,000

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

    250

    250

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

    0

    0

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

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

Sample Quotes from Coutts & Co .

We are currently Awaiting Details of quotes for this provider.

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