Debenhams Pet Insurance Review

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

Who are Debenhams Pet Insurance

Debenhams can trace it's history back to 1778 when William Clark set up a drapers store in London. In 1813 William Debenham invested in the firm which then became Clark & Debenham. Various acquisitions took place over the next 100 years. Fast forward to the 1950's and Debenhams Ltd was the UK's largest department store group in the UK, owning 84 companies and 110 stores.

Debenhams was listed on the London Stock Exchange until 2003 when it was acquired by Baroness Retail Ltd. Debenhams returned to the London Stock Exchange in May 2006.

On the 9th April 2020 the company went into administration and Geoff Rowley and Alastair Massey of FRP Advisory were appointed Joint Administrators of Debenhams Retail Limited and Debenhams Properties Limited.

Debenhams says personal finance customers wouldn't be affected regardless of any changes at Debenhams. It's worth remembering all their financial products are provided by external companies. In the case of Pet Insurance, it is managed and administered by the Insurance Factory Ltd. Debenhams Pet Insurance is underwritten by HDI Global Specialty SE, Registered in Germany, Authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht, and authorised to limited regulation by the Financial Conduct Authority.

 

How to Buy Pet Insurance from Debenhams Pet Insurance

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

How Debenhams 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 Debenhams Pet Insurance.

Dog Policy Ratings Click to Expand

We have reviewed 4 Dog Policies from Debenhams Pet Insurance. They are - Elite - Extra - Basic - Essential. We have rated these as follows:-

Rating for Dog Elite:

Rating for Dog Extra:

Rating for Dog Basic:

Rating for Dog Essential:

Debenhams Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Debenhams Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 4 Cat Policies from Debenhams Pet Insurance. They are - Elite - Extra - Basic - Essential. We have rated these as follows:-

Rating for Cat Elite:

Rating for Cat Extra:

Rating for Cat Basic:

Rating for Cat Essential:

Debenhams 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 Debenhams Pet Insurance's policy wording

1. What are the eligibility criteria for Pet Insurance?

Your pet must be older than 8 weeks.

You must be the owner of the pet and they must live with you at your permanent home address for a minimum of 9 months, situated in the UK, Isle of Man or Channel Islands.

You must take care of your pet, arranging for any treatments that have been recommended by your vet.

Your pet must be vaccinated against any disease your vet feels is necessary, but specifically,

Dogs - distemper, hepatitis, leptospirosis, parvovirus

Cats - feline infections such as enteritis, feline leukaemia and cat flu.

Your pet must be treated regularly for worm and flea treatments.

If your dog is on a public highway, it must be on a collar and lead under control. Reasonable steps must be taken to ensure a dog does not escape or stray and any area in which a dog is kept must be secure and appropriately fenced or otherwise secured.

2. What type of policies do they offer?

You can choose from four different policies:

  1. Essential - covers vet fees up to £2,500 per condition for a maximum of 12 months
  2. Basic - covers vet fees up to £1,000 per condition per year, which is reinstated at renewal
  3. Extra - covers vet fees up to a maximum of £3,500 per year, which is reinstated at renewal
  4. Elite - covers vet fees up to a maximum of £8,500 per year, which is reinstated at renewal

3. What's not covered?

A list of the most important policy exclusions. Debenhams pet insurance excludes;

  1. Costs for cosmetic, elective, routine, or preventative treatments.
  2. The cost of pheromone products, including DAP diffusers and Feliway and/or similar feline.
  3. Vaccinations, Spaying, Neutering, Castration, retained testes.
  4. Grooming, Nail clipping, Bathing or de-matting.
  5. Whelping, kittening and costs for any Treatment relating to or resulting from breeding and any complications that may occur as a result of these procedures.
  6. Killing and controlling fleas and worms, general health enhancers.
  7. Any costs for house calls/out-of-hours calls/non-essential hospitalisation and ambulance costs unless a Vet confirms that they are necessary.
  8. Treatment for behavioural problems.
  9. Any costs of hiring or buying a cage, basket or bedding.
  10. Unlicensed Treatment or Medication.
  11. Costs for Treatment of Conditions arising from Your Pet being under or over the recommended weight range
  12. Any costs associated with prosthetics (artificial body parts) with the exception of costs related to replacement hip, elbow, and/or knee joints.
  13. Any claim arising as a result of any sexually transmitted disease, rabies, Aujesky's disease, leishmaniasis, epidemic outbreaks or any 'notifiable' disease as listed by DEFRA.
  14. Any claims arising as a result of Your Pet undergoing organ transplants or any experimental surgical procedures.
  15. Claims caused by your Pet straying, escaping, damaging property, or attacking persons or Pets if Your Pet has done this on any previous occasion.
  16. Any dogs used for trade, profession or business, used as gun dogs or in connection with shooting or for the purposes of hunting of any kind whether for business or recreational purposes.
  17. Any dogs used for guarding, racing, coursing or beating whether for business or recreational purposes.
  18. Any Pets used for breeding (any more than one accidental pregnancy would be classed as breeding).
  19. The following breeds of dogs, as outlined in the Dangerous Dogs Act, Pit Bull Terrier, Japanese Tosa/Tosa Inus, Dogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff), Fila Brasileiro, Boerboel, Bully Kutta, Canary Dogs/Perro De Pressa Canarios/Presa Canarios, Cane Corsos, Czechoslovakian Wolfdogs/Sarlooswolfhounds/ Wolf Hybrids, Korean Jindo, Northern Inuit Dogs, Racing Greyhounds, Shar Pei, Tamaskan, Utonagan.

4. Are complementary treatments covered?

Complementary treatments are covered, although the amounts are below £1,000 which is the market average. The amount of cover is also included within the vet fees limit rather than in addition to.

Essential and Basic - up to £400, Extra - up to £500 and Elite - up to £750

Complementary treatments include physiotherapy, hydrotherapy, acupuncture, osteopathy, chiropractic, homeopathic or herbal medicines, or laser Treatment, all administered by a suitably qualified practitioner.

 

5. Does the policy cover Prescription food and Dentistry?

Debenhams will contribute up to £100 for food, prescribed by a vet, but only used to dissolve bladder stones or crystals in urine. They will deduct 53p per tin and £1.00 per kilo as normal feeding costs. Cover is for a maximum of 60 days.

The policy will not cover Diet food.

The policy only covers dentistry as a result of an accident or injury, but not illness.

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

All policies cover the cost of MRI/CT Scans and Cruciate Ligament claims. The amounts covered are below market average levels and is included within the overall vet fee limit and not in addition to.

Essential Policy - MRI Scans up to £1,000, CT Scans up to £600, Cruciate Ligament Claims up to £1,250.

Basic Policy - MRI Scans up to £1,000, CT Scans up to £800, Cruciate Ligament Claims up to £1,000.

Extra Policy - MRI Scans up to £1,250, CT Scans up to £1,000, Cruciate Ligament Claims up to £1,500.

Elite Policy - MRI Scans up to £1,500, CT Scans up to £1,000, Cruciate Ligament Claims up to £2,000.

Debenhams will pay up to the Benefit Limit as shown in the Schedule for CT and MRI scans and Associated Costs. If Your limit for cruciate ligament is reached and Your Pet needs a CT/MRI Scan relating to the cruciate this will not be covered.

7. Does the policy cover the cost of euthanasia?

All policies cover the cost of your pet being put to sleep, only when it is to alleviate incurable and inhumane suffering, recommended by your vet.

Policies do not cover the cost of burial or cremation, post mortems etc.

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

It is possible to insure more than one pet under the same policy, including a mixture or dogs or cats.

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

Debenhams will not cover a pets pre-existing medical condition, described as any condition diagnosed, undiagnosed showing signs, or symptoms or existing in any form, prior to the commencement date of the policy.

10. Will the policy cover my pet during pregnancy?

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

11. Am I covered to take my pet abroad?

The Debenhams pet policy will extend vets fees to cover your pet whilst abroad under the Government PETS Scheme.

The Basic and Essential policy will cover up to 30 days, the Extra and Elite cover up to 90 days.

There is no additional cover, for quarantine costs, emergency repatriation or loss of pet passport.

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

Any claim for illness, or death caused by illness, that occurs within the first 14 days is not covered.

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

The fixed excess is £85 per claim.

The fixed excess in respect of dog liability claims is £100.

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

When your dog turns 5 and your cat turns 8, you will be required to pay an additional 10% contribution to any claim, on top of the standard excess. For example if you make a claim for £1,250, you will be required to pay £85 plus 10% of the balance £116.50 total £201.50.

15. Website Navigation and online shopping experience

The website provides basic information on the different policies and a side by side comparison. You also have access to the policy wordings, before moving on to get a quote. There are some frequently answered questions. There is no online chat or email available. Any questions would need to be answered by their telephone helpline.

The quotation software is simple to use and the quote provided is very detailed. A great side by side comparison at this stage provides assistance in choosing a suitable policy.

16. Is the policy wording easy to understand?

Not much effort has gone into the layout of the policy wording. 19 pages of black text which is very old fashioned in its style.

Having said that there is comparison of cover and an index does help with navigation.

In readability tests, the policy wording only scored 46 out of 100 which meant the text was difficult to read.

The wording had a reading age of 17 - 18. This means that a person with a reading age of 17-18 years should be able to understand the policy.

17. Is the Insurer listed on comparison sites?

Debenhams pet Insurance is only listed on Confused.com and Compare the Market. The premiums and cover quoted appears to be the same.

18. Does the policy include a helpline?

The policy provides legal advice, vet advice and Bereavement Counselling helplines.

19. What do customer reviews say?

Debenham's is relatively new to the Pet Insurance market and we have been unable to find specific reviews on Debenhams Pet Insurance. Trust Pilot has 1130 reviews for car insurance with a rating of 3.6 out of 5. Although not related to pet, 55% would recommend Debenhams, but 31% of customers leaving a review have had a bad experience.

 

20. Are there any administration charges?

There are no administration charges.

21. Are there any special discounts or promotions?

There are currently no special discounts or promotions.

22. Overall Summary

We rate all Debenham's pet insurance polices as 3 stars. Some of the inner limits are lower than market averages.

The policy is rated as difficult to read and the layout doesn't help matters. 

After researching and comparing prices, we found that Debenhams policies offer average value for money. Example quotes are listed below for comparison purposes.

Debenhams Pet Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on debenhams-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 Debenhams 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 Debenhams Policies

We've highlighted Pro's and Cons for Debenhams, 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 Debenhams Pet Insurance.

  • No upper age limit for quotes
  • 10% variable excess on all dogs aged 5 and cats aged 7.
  • Complementary Medicine, MRI Scans and Cruciate Ligament cover below the industry average

What Cover do Debenhams 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

    Elite

    Dog

    Extra

    Dog

    Basic

    Dog

    Essential

    Dog

    Elite

    Cat

    Extra

    Cat

    Basic

    Cat

    Essential

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    85

    85

    85

    85

    85

    85

    85

    85

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    2,500

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    1,000

    0

    0

    0

    1,000

    2,500

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    8,500

    3,500

    0

    0

    8,500

    3,500

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    8,500

    3,500

    1,000

    2,500

    8,500

    3,500

    1,000

    2,500

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    0

    0

    0

    0

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

    100

    100

    100

    100

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,250

    2,000

    1,500

    1,000

    1,250

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

    1,500

    1,250

    1,000

    1,000

    1,500

    1,250

    1,000

    1,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

    150

    150

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    750

    500

    400

    400

    750

    500

    400

    400

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    1,500

    1,000

    750

    500

    1,500

    1,000

    750

    500

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    8,500

    3,500

    1,000

    2,500

    8,500

    3,500

    1,000

    2,500

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

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Sample Quotes from Debenhams Pet Insurance.

Listed below are some Sample Quotes offered by Debenhams Pet Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Lifetime Per Condition

Age: 1

Breed: Medium

Group: Mongrel

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Basic

85

Lifetime Per Condition 1,000

Complimentary Treatment 400

Dental 1,000

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Elite

85

Lifetime Maximum Benefit 8,500

Complimentary Treatment 750

Dental 8,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Medium

Group: Mongrel

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Extra

85

Lifetime Maximum Benefit 3,500

Complimentary Treatment 500

Dental 3,500

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 1,000

Third Party Liability 1,000,000

Type:Cat

Cover:Lifetime Per Condition

Age: 6

Breed: Moggie

Group: Moggie

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Basic

85

Lifetime Per Condition 1,000

Complimentary Treatment 400

Dental 1,000

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 750

Type:Cat

Cover:Lifetime Per Condition

Age: 6

Breed: Moggie

Group: Moggie

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Essential

85

Lifetime Per Condition 2,500

Complimentary Treatment 400

Dental 2,500

Death from Accident 500

Death from Illness 500

Theft or Straying 500

Advertising and Reward 500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Moggie

Group: Moggie

Debenhams Travel Insurance Review
Product Rating

Experience Rating

Elite

85

Lifetime Maximum Benefit 8,500

Complimentary Treatment 750

Dental 8,500

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,500