Geoffrey Pet Insurance Review

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

Who are Geoffrey Pet Insurance

Geoffrey Pet Insurance Reviewed by Jonathan 19/10/2020.

Formerly known as Chaucer Direct, Geoffrey Insurance Services was formed in 2008 to provide online motor insurance. In 2015 they became part of the MarkerStudy Group of Companies and currently offer Motor, Van and Pet Insurance.

Choose from four levels of Pet Insurance cover, Accident Only, Time Limited, and two Lifetime policies.

Geoffrey pet insurance is arranged and administered by Insurance Factory Limited, and the insurance is underwritten by Zenith Insurance plc. Registered in Gibraltar and Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK.

How to Buy Pet Insurance from Geoffrey Insurance Services

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

How Geoffrey 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 Geoffrey Insurance Services.

Dog Policy Ratings Click to Expand

We have reviewed 4 Dog Policies from Geoffrey Pet Insurance. They are - Pet Enhanced Lifetime - Pet Standard Lifetime - Pet 12 Months Cover - Accident Only Cover. We have rated these as follows:-

Rating for Dog Pet Enhanced Lifetime:

Rating for Dog Pet Standard Lifetime:

Rating for Dog Pet 12 Months Cover:

Rating for Dog Accident Only Cover:

Geoffrey Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Geoffrey Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 4 Cat Policies from Geoffrey Pet Insurance. They are - Pet Enhanced Lifetime - Pet Standard Lifetime - Pet 12 Months Cover - Accident Only Cover. We have rated these as follows:-

Rating for Cat Pet Enhanced Lifetime:

Rating for Cat Pet Standard Lifetime:

Rating for Cat Pet 12 Months Cover:

Rating for Cat Accident Only Cover:

Geoffrey 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 Geoffrey Insurance Services's policy wording

1. What are the eligibility criteria for Pet Insurance?

At the commencement of a policy;

Your pet must be in good health, have not shown aggressive tendancies, or have been trained to attack.

You are the owner of your pet, and they must live with you at a UK address.

Your pet must be older than eight weeks, but no older then 8 for dogs and 10 for cats.

You agree to take your pet for regular annual check-ups and your pet must be vaccinated against;

DOGS; against distemper, hepatitis, leptospirosis and parvovirus.
CATS; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia.

You agree to provide proper care and attention to your pet at all times and carry out any recommended treatment.

If you are with your dog in a public place, they must wear a collar with your name and address engraved on it.

2. What type of policies do they offer?

Geoffrey Insurance offer four levels of pet insurance

  1. Accident Only up to £1,500 of vet fees per accident or injury.
  2. 12 Month cover up to £1,500 of vet fees per incident for up to 12 months.
  3. Standard Lifetime up to £2,000 of vet fees per year, which is annually renewable.
  4. Enhanced Lifetime up to £6,000 of vet fees per year, which is annually renewable.

3. What's not covered?

This is list of the most important exclusions. Geoffrey Pet Insurance policies exclude;

  1. Preventative, Routine and Elective Treatments, examinations or tests (including blood tests).
  2. Routine Spaying, castration or treatment for retained testicles.
  3. Killing/controlling fleas and routine worming.
  4. Whelping, Kittening and any treatment in connection with pregnancy or giving birth.
  5. Costs associated with Bathing, grooming, de-matting or the removal of dewclaws.
  6. Behavioural and or sex hormonal problems unless as a result of an insured incident.
  7. Out of hours treatment, house calls or hospitalisation, unless the vet confirms absolutely necessary and then restricted to £100.
  8. The cost of any form of Housing, Cage or Bedding.
  9. The cost of any pheromone products, including DAP diffusers and Feliway.
  10. Nutritional supplements and vitamins unless prescribed by a vet to take the place of medication.
  11. Pets used for commercial security work or who have been trained to attack.
  12. Policyholders who hold a Security Industry Authority licence.
  13. Any pet used for guarding, track racing, coursing, or used in connection with any business, trade, profession, or occupation.
  14. The following breeds of dog; American Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, wolf or wolf hybrid, or a dog crossed with these, or any animal registered under the Dangerous Dogs Act 1991 or a dog crossed with any of these.
  15. Any pet used for commercial breeding purposes described as any pet having had more than 2 litters in its lifetime.
  16. Treatment or complementary therapy connected to or resulting from organ transplants and fitting full or partial artificial limbs (prosthesis) with the exception of costs relating to replacement hip, elbow and or knee joints including pre and post-operative care.
  17. The cost of any treatment, or complications arising from treatment, that you choose to have carried out that is not directly related to an injury or illness, including cosmetic dentistry or surgery.
  18. Death of your pet (illness) for dogs aged 8 and over or cats aged 10 and above.
  19. Any claim as a result of a ‘notifiable’ disease (as defined by DEFRA) e.g. rabies.

4. Are complementary treatments covered?

Geoffrey Pet Insurance includes cover for Complementary treatments such as Acupuncture, osteopathy, physiotherapy, chiropractic therapy and up to ten sessions of hydrotherapy, recommended by your vet and carried out by a suitably qualified person that has been specifically recommended by your vet.

The 12 month policy covers up to £750, the standard lifetime £1,000 and the enhanced lifetime £1,500.

The policy does not cover unapproved alternative medicine or complementary medicine (including but not limited to pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage, and faith healing).

5. Does the policy cover Prescription food and Dentistry?

Dental treatment is covered but only as a result of an accident.

Geoffrey Pet Insurance will cover your pet's prescription food, provided it was prescribed by your vet and purchased from a veterinary surgery and is used only to dissolve either bladder stones or crystals in urine. A deduction of 53p per tin and £1 per kilo of food is made to cover normal feeding costs. The cover is limited to either £100 or 60 days.

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

The policy covers both cruciate ligament damage and CT and MRI scans.

The 12 month policy covers up to £1,500

The Standard Lifetime policy covers up to £2,000

The enhanced Lifetime policy covers up to £2,000 and £3,000 in respect of cruciate ligament claims.

Note that these limits are not in addition to the overall vet fee limit but part of it.

7. Does the policy cover the cost of euthanasia?

All policies provide up to £100 to assist with the cost of having your pet put to sleep. The decision must be endorsed by your vet and only to prevent further suffering of your pet.

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

You are allowed to insure as many pets (dog and cats) under the same policy and receive a 5% multi pet discount.

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

If your pet has a pre-existing condition, whether diagnosed or undiagnosed, investigated by a vet or known to you prior to the start of insurance, you will be unable to cover this under the policy.

10. Will the policy cover my pet during pregnancy?

All policies exclude any costs relating to pregnancy, or giving birth.

11. Am I covered to take my pet abroad?

All policies (except accident only) cover your pet if you take them abroad.

Cover overseas is subject to the limit of 30 days under 12 Month & Standard Lifetime cover levels and 180 days under Enhanced Lifetime cover.

In addition to extended vet fees, the policy also cover emergency repatriation, quarantine expenses, and loss of your pet's passport.

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

There is no cover for your pet's if they have an accident within 24 hours of the start of the policy or suffer and illness within the first 14 days of the start of the policy.

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

The standard policy excess is £85.

In respect of liability claims the excess is £250.

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

When your pet turns 7, you will be required to contribute a further 10% of any claim, in addition to the fixed excess.

For example, if your claim is for £1,500, your contribution would amount to £85 plus 10% of the balance total £226.50.

15. Website Navigation and online shopping experience

The website is simple but effective. All the important information is contained in one page, including whats covered, a side by side comparison of policies. Although there is no live chat, they do operate a UK based call centre.

Getting a quote is also very easy and all quotes are presented side by side with the option to see more information if required, including the IPID and policy wording documents.

We could not find a page on frequently asked questions. These sections are useful because they answer popular questions and negate a need to contact the company, which can be time consuming.

16. Is the policy wording easy to understand?

Although only 12 pages long, the policy does include a summary of cover, allowing comparison of cover, which many policies don't

An index helps with navigation. A lot of text is squeezed on to each page and there are many terms and conditions to read through. The policy is heavy on exclusions with 42 on vets fees alone.

Our analysis scored the policy wording at 53.5 out of 100, classing it as fairly difficult to read and a potential customer would need a reading age of at least 15 to be able to understand the contents.

17. Is the Insurer listed on comparison sites?

Geoffrey Pet Insurance policies are listed on Go Compare and Confused.com. During our research, we found that although the cover was the same, in some cases, premiums were higher than quoted direct from Geoffrey Insurance's website.

18. Does the policy include a helpline?

The following helplines are included in the policy, Pet Legal, Find a Vet, Bereavement Counselling and Pet Minders.

19. What do customer reviews say?

Geoffrey Insurance has 7364 reviews on trust pilot with an overall rating of 4.8 out of 5. Most customers are happy with the service they provide, although recently there have been a few complaints about the website not working and phone calls not being answered. Note that the reviews relate to all types of insurance not just pet.

20. Are there any administration charges?

Geoffrey Pet Insurance charge £10 for any mid term adjustments and £30 if the policy is cancelled outside of the 14 day cooling off period. (The charge for cancellation will not be applied if your pet has died or been reported lost or stolen).

 

21. Are there any special discounts or promotions?

With every new Geoffrey pet insurance policy taken out you will receive a FREE award winning PETKIT P2 Activity Monitor that normally retails at £55.99.

22. Overall Summary

Despite some complaints that the website wasn't functioning correctly, we found it easy to use.

The policy does incorporate a fair number of conditions and exclusions, so it's important that you read them carefully.

A point to note that prior to acceptance, all pet insurance claims are reviewed by an internal pet claims assessor and compared to charges for the same or similar treatment.

According to our research Geoffrey Pet Insurance is reasonably priced for the cover they provide.

Geoffrey Insurance Services's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on geoffrey-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 Geoffrey 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 Geoffrey Policies

We've highlighted Pro's and Cons for Geoffrey , 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 Geoffrey Insurance Services.

  • Enhanced Lifetime awarded a 4 star rating
  • Free Pet Activity Tracker with every new policy
  • Online claims submission and tracking

No Con's

What Cover do Geoffrey 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 Enhanced Lifetime

    Dog

    Pet Standard Lifetime

    Dog

    Pet 12 Months Cover

    Dog

    Accident Only Cover

    Dog

    Pet Enhanced Lifetime

    Cat

    Pet Standard Lifetime

    Cat

    Pet 12 Months Cover

    Cat

    Accident Only Cover

    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

    1,500

    0

    0

    0

    1,500

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

    0

    0

    1,500

    0

    0

    0

    1,500

    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

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    6,000

    2,000

    0

    0

    6,000

    2,000

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    6,000

    2,000

    1,500

    1,500

    6,000

    2,000

    1,500

    1,500

  • 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

    0

    1,500

    1,000

    750

    0

  • 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

    1,000

    750

    500

    300

    1,000

    750

    500

    300

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    1,500,000

    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

    250

    250

    250

    250

    0

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    3,000

    2,000

    1,500

    1,500

    3,000

    2,000

    1,500

    1,500

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

    3,000

    2,000

    1,500

    1,500

    2,000

    2,000

    1,500

    1,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,500

    1,000

    750

    750

    1,500

    1,000

    750

    750

  • 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

    750

    750

    500

    1,000

    750

    750

    500

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    2,500

    750

    500

    0

    2,500

    750

    500

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    1,500

    1,500

    500

    250

    1,500

    1,500

    500

    250

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

    500

    1,500

    1,500

    1,000

    500

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    6,000

    2,000

    1,500

    1,500

    6,000

    2,000

    1,500

    1,500

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

    250

    250

    250

    250

    250

    250

    250

    250

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

    750

    500

    0

    0

    750

    500

    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 Geoffrey Insurance Services.

Listed below are some Sample Quotes offered by Geoffrey Insurance Services

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Medium

Group: Mongrel

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet 12 Months Cover

85

Per Condition Time Limited 1,500

Complimentary Treatment 750

Dental 1,500

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 6

Breed: Medium

Group: Mongrel

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet 12 Months Cover

85

Per Condition Time Limited 1,500

Complimentary Treatment 750

Dental 1,500

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 500

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Medium

Group: Mongrel

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet Standard Lifetime

85

Lifetime Maximum Benefit 2,000

Complimentary Treatment 1,000

Dental 2,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750

Third Party Liability 1,000,000

Type:Cat

Cover:Per Condition Time Limited

Age: 10

Breed: Moggie

Group: Moggie

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet 12 Months Cover

85

Per Condition Time Limited 1,500

Complimentary Treatment 750

Dental 1,500

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 500

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 1

Breed: Moggie

Group: Moggie

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet Standard Lifetime

85

Lifetime Maximum Benefit 2,000

Complimentary Treatment 1,000

Dental 2,000

Death from Accident 1,000

Death from Illness 1,000

Theft or Straying 1,000

Advertising and Reward 750

Type:Cat

Cover:Per Condition Time Limited

Age: 6

Breed: Moggie

Group: Moggie

Geoffrey  Travel Insurance Review
Product Rating

Experience Rating

Pet 12 Months Cover

85

Per Condition Time Limited 1,500

Complimentary Treatment 750

Dental 1,500

Death from Accident 750

Death from Illness 750

Theft or Straying 750

Advertising and Reward 500