
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.
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.
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.
Click on the website link to go directly to the insurance providers website. Visit Debenhams Pet Insurance's Website and Get a Quotation direct
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.
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.
You can choose from four different policies:
A list of the most important policy exclusions. Debenhams pet insurance excludes;
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.
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.
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.
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.
It is possible to insure more than one pet under the same policy, including a mixture or dogs or cats.
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.
The policy excludes any claim in connection with pregnancy, breeding or giving birth
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.
Any claim for illness, or death caused by illness, that occurs within the first 14 days is not covered.
The fixed excess is £85 per claim.
The fixed excess in respect of dog liability claims is £100.
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.
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.
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.
Debenhams pet Insurance is only listed on Confused.com and Compare the Market. The premiums and cover quoted appears to be the same.
The policy provides legal advice, vet advice and Bereavement Counselling helplines.
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.
There are no administration charges.
There are currently no special discounts or promotions.
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.
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.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
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.
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.
Listed below are some Sample Quotes offered by Debenhams Pet Insurance
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Per Condition Time Limited
Age: 6
Breed: Jack Russell Terrier
Group: Terrier
85
Per Condition Time Limited 2,500
Complimentary Treatment 400
Dental 2,500
Death from Accident 500
Death from Illness 500
Theft or Straying 500
Advertising and Reward 500
Third Party Liability 1,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Medium
Group: Mongrel
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:Per Condition Time Limited
Age: 1
Breed: Shih Tzu
Group: Utility
85
Per Condition Time Limited 2,500
Complimentary Treatment 400
Dental 2,500
Death from Accident 500
Death from Illness 500
Theft or Straying 500
Advertising and Reward 500
Third Party Liability 1,000,000
Type:Dog
Cover:Lifetime Per Condition
Age: 1
Breed: Medium
Group: Mongrel
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
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:Cat
Cover:Lifetime Per Condition
Age: 1
Breed: Moggie
Group: Moggie
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 Maximum Benefit
Age: 10
Breed: Moggie
Group: Moggie
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
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Moggie
Group: Moggie
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
Type:Cat
Cover:Lifetime Per Condition
Age: 10
Breed: Moggie
Group: Moggie
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 Per Condition
Age: 6
Breed: Moggie
Group: Moggie
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