
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 MiPet Cover and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
MiPet Cover Insurance Reviewed by Jonathan 04/11/2020.
MiPet Cover is a trading name of CVS (UK) Ltd, one of the largest providers of veterinary services in the UK and offer two types of policy, 365 Flex, a time limited policy and Lifetime Flex, allowing you to choose vet fees cover of between £2,000 and £12,000.
MiPet Cover have been shortlisted for the Best Pet Insurance Provider in the 2020 Insurance Choice Awards.
MiPet Cover are appointed representatives of the Insurance Factory, who act as administrators for the policy underwriters Zenith Insurance Plc. Zenith are 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.
Click on the website link to go directly to the insurance providers website. Visit MiPet Cover'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 MiPet Cover.
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;
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.
That's Insurance have spent some time mystery shopping on mipet-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 MiPet Cover 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 MiPet Cover, 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 MiPet Cover.
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 MiPet Cover
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Type:Dog
Cover:Per Condition Time Limited
Age: 10
Breed: Medium
Group: Mongrel
100
Per Condition Time Limited 2,500
Complimentary Treatment 250
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: 1
Breed: Medium
Group: Mongrel
100
Lifetime Maximum Benefit 8,000
Complimentary Treatment 1,500
Dental 8,000
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000
Third Party Liability 2,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Medium
Group: Mongrel
100
Lifetime Maximum Benefit 10,000
Complimentary Treatment 2,000
Dental 10,000
Death from Accident 2,000
Death from Illness 2,000
Theft or Straying 2,000
Advertising and Reward 2,000
Third Party Liability 3,000,000
Type:Dog
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Medium
Group: Mongrel
100
Lifetime Maximum Benefit 12,000
Complimentary Treatment 2,000
Dental 12,000
Death from Accident 2,000
Death from Illness 2,000
Theft or Straying 2,000
Advertising and Reward 2,000
Third Party Liability 3,000,000
Type:Dog
Cover:Per Condition Time Limited
Age: 1
Breed: Medium
Group: Mongrel
100
Per Condition Time Limited 2,500
Complimentary Treatment 250
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:Cat
Cover:Per Condition Time Limited
Age: 1
Breed: Moggie
Group: Moggie
100
Per Condition Time Limited 5,000
Complimentary Treatment 500
Dental 5,000
Death from Accident 750
Death from Illness 750
Theft or Straying 750
Advertising and Reward 750
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Moggie
Group: Moggie
100
Lifetime Maximum Benefit 8,000
Complimentary Treatment 1,500
Dental 4,000
Death from Accident 1,500
Death from Illness 1,500
Theft or Straying 1,500
Advertising and Reward 1,000
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Moggie
Group: Moggie
100
Lifetime Maximum Benefit 12,000
Complimentary Treatment 2,000
Dental 12,000
Death from Accident 2,000
Death from Illness 2,000
Theft or Straying 2,000
Advertising and Reward 2,000
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 6
Breed: Moggie
Group: Moggie
100
Lifetime Maximum Benefit 2,000
Complimentary Treatment 1,000
Dental 6,000
Death from Accident 1,000
Death from Illness 1,000
Theft or Straying 1,000
Advertising and Reward 750
Type:Cat
Cover:Lifetime Maximum Benefit
Age: 1
Breed: Moggie
Group: Moggie
100
Lifetime Maximum Benefit 12,000
Complimentary Treatment 2,000
Dental 12,000
Death from Accident 2,000
Death from Illness 2,000
Theft or Straying 2,000
Advertising and Reward 2,000