MiPet Cover Pet Insurance Review

Your pet must be in good health and free from injury, illness or physical disability.

You must be the owner of the pet and your pet must be at least 8 weeks old, living with you at an address in the UK.

You agree to take your pet for regular annual check-ups and keep your pet vaccinated:
DOGS; against distemper, hepatitis, leptospirosis and parvovirus.
CATS; against feline infectious enteritis, feline influenza, feline herpes virus, feline calicivirus and feline leukaemia. (Homeopathic vaccines are not acceptable).

If you take your dog to a public place, it must wear a collar with the name and address of the owner engraved on it.

MiPet Cover offer two types of policy.

365Flex, a 12 month time limited policy allowing you to choose vets fees of either £2,500 or £5,000 per condition.

LifetimeFlex, a lifetime renewal policy, allowing you to choose an annual vet fees limit of £2,000, £4,000, £6,000, £8,000, £10,000, or £12,000.

This is a list of important exclusions;  MiPet Cover do not cover;

1. The cost of routine, investigative tests (including blood tests including blood tests carried out before surgery, or before anaesthetic for surgery or routine blood tests before any other procedure if your pet is less than eight years old), or diagnostic procedures.
2. Preventative or elective treatments, routine examinations or treatments including any medication or treatment not recommended by a vet.
3. Routine spaying or castration, unless your pet is suffering a critical medical condition and is essential for treatment of that condition.
4. The cost of any treatment that includes ovarian hysterectomy as a preventative, or treatment solution for any illness, including (but not limited to) false pregnancy, or mammary tumours, retained testicles.
5. Any treatment in connection with pregnancy, giving birth, whelping or kittening.
6. 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.
7. Routine worming, removal of dew claws, the killing and controlling of fleas.
8. Any claim as a result of a ‘notifiable’ disease (as defined by DEFRA) e.g. rabies.
9. The cost of bathing, grooming or de-matting your pet unless a vet confirms only a vet or a member of a veterinary practice can carry out these activities.
10. Sex hormonal problems unless directly resulting from a valid claim.
11. Nutritional supplements and vitamins unless prescribed by a vet to take the place of medication and if they have a proven effect upon an injury or illness.
12. Behavioural problems and training unless caused as a direct result of an insured incident.
13. Any cost of pheromone products, including DAP diffusers and Feliway and/or similar feline facial pheromone products unless pre-approved as part of a behavioural program for a maximum period of six months.
14. Any dog that is an, 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. Your pet being used for commercial breeding purposes, guarding, track racing, coursing, or used in connection with any business, trade, profession, or occupation.
16. House Calls, Out of Hours surgery or hospitalisation, unless your vet confirms in writing that it would seriously endanger your pets health.
17. A death claim resulting from illness for any pet aged 8 and above.
18. Any claim for any form of housing, cage, or bedding.
19. The cost of any 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 postoperative care.

Complementary treatments are covered by all MiPet Cover policies. The 365Flex policies cover up to £250 and the LifetimeFlex policies cover between £1,000 and £2,000, depending on the level of cover you choose.

Examples of complementary treatments are Acupuncture, osteopathy, physiotherapy, chiropractic therapy and up to 10 sessions of hydrotherapy, recommended by your vet and carried out by a suitably qualified person.

The policy does not cover pulsed magnetic field therapy, matrix energy field therapy, the Bowen technique, Reiki massage, and faith healing.

The policy also covers treatment for behavioural illness which could not have been avoided by training or medical intervention and was recommended by your vet.

Prescription food is covered up to £100, for a maximum of six months. It must be prescribed by your vet and only be used to dissolve bladder stones or crystals in the urine. MiPet Cover will deduct 53p per tin and £1 per kilo of food as normal feeding costs.

All policies cover dental treatment as a result of an accident and subject to evidence of yearly dental check-ups and any work being carried out, they will also cover dental treatment as a result of illness.

All MiPet Cover policies cover MRI/CT scans and Cruciate Ligament Claims, up to the vet fees limit.

All MiPet Cover Insurance policies cover the cost of Euthanasia up to £100.

You are able to insure as many pets under one policy as you want and receive a 5% discount.

All MiPet Cover policies exclude cover for your pets pre-existing medical conditions.

MiPet Cover defines them as "Any illness or injury or complication directly resulting from an injury or illness, whether diagnosed or un-diagnosed that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance."

All MiPet Cover policies exclude any treatment in connection with pregnancy or giving birth.

They also exclude any dog or cat associated with commercial breeding described as "Any pet that has had more than 2 litters in its lifetime".

All policies extend cover allowing you to take your pet abroad for up to 30 each year. This falls under the UK's Pet Travel Scheme.

In addition to extending emergency vet fees cover whilst abroad, the policy also covers additional quarantine costs, emergency expenses, loss of pet passport and repeat tick or worming treatments.

The actual levels of cover depend on the policy you choose.

Once a pet insurance policy has been started, there is no cover for any injuries that occur within the first 24 hours and any illness that occurs within the first 14 days.

All MiPet Cover policies carry the same fixed excess of £100. (The amount of any claim that you must pay). However you are able to increase this to £200 in exchange for a reduction in the premium.

Once your dog turns 6 and your cat 8 years of age, in addition to the £100 excess, you will be required to pay a further 10% of any claim.

The website is well laid out. Each policy is explained, with easy access to a comparison of benefits, some useful frequently asked questions and a copy of the policy wording and Insurance product information document.

The site benefits from live chat, although you also have the option to phone for a quote or with any queries.

Quotes are easy and you are provided with all necessary information to assist with making a decision.

The policy wording is only 13 pages long, it manages to include a full summary/comparison of cover, contents and comprehensive definitions. The layout is uninspiring but functional and the fact that it is only 13 pages long, does make it appear cramped. 

This was back up by our reading test when the policy wording scored an average of 49.3 out of 100 and was classed as difficult to read, with a reading age of between 14 - 15 years of age required to be able to understand the terminology.

MiPet Cover are not on any comparison websites. To obtain a quote visit MiPet Insurance Direct.

As well as a claim line, the company operates the following helplines;

Bereavement Counselling
Pet Legal
Pet Minders

We were unable to find any meaningful data on what customers thought of MiPet Cover Pet Insurance.

There are no administration charges.

Currently there are no special discounts or promotions.

We awarded MiPet Cover LifetimeFlex policies £6,000 - £12,000 with a five star rating, because of the comprehensive levels of cover they provide. The co-payment clause when your dog turns 6 is 10%, which is lower than many other companies and could end up saving you money in the future, if you ever needed to make a claim.

The policy wording could be better. It's not the easiest to read. Overall the policies are competitive for the cover they provide and often feature in our best insurance pet guides for specific breeds.