MiPet Cover Policies Allianz

Policies administered by Petcover EU Limited (Petcover) and Underwritten by Allianz Insurance PLC (Allianz) policy start date after 1st May 2025
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Making a claim has never been easier…

Stethoscope and cross

Step 1 - Notify your surgery

If your veterinary fees are above your excess and you would like to submit a claim for treatment, the first step is to notify your vets of your intention to claim. Be sure to update your vets with your MiPet Cover policy number.

You will have 12 months from the treatment date to submit your claim.

Computer

Step 2 - Making your claim

If your vets are able to submit an electronic claim this will be the quickest way of submitting your claim. They will submit your claim directly to the MiPet Cover pet insurance team.

* OR you can download a claims form to submit to your vets.

Cat and dog

Step 3 - We’ll be in touch

Relax while we handle your claim. Our expert team will review your claim. If we need any more information, we will contact your vets directly or yourself

If you would like to check the status of a claim, please call the MiPet Cover claims line on 0330 057 0646

Third Party Claims

You must contact Allianz as soon as possible if an incident happens that could lead to a claim under the ‘Third Party Legal Liability’ section. For example, (but not limited to) your dog causing injury to a third party or damaging third party property. Call the Allianz specialist liability teams on:

For injury to a third party

01483 218 781

For damage to third party property

01483 218 782
The lines are open Monday to Friday, 9am to 5pm, except Bank Holidays. You can also email: [email protected].

For any other section of cover you don’t need to tell us about a potential claim or let us know that you will be making a claim.

FAQs

Pet insurance is important, but it doesn’t have to be complicated. We’ve listened to our customers and put the most important questions for you here. If you can’t find what you need, don’t worry. You can always get in contact with us. Our teams are fully trained to give an honest, transparent and efficient service, no matter your situation.

FAQs related to the Policy Administrator and Underwriter Changes.

When do MiPet Cover Insurance policies start to transfer to the new underwriter and administrator?
From the 1st May 2025 onwards existing customers will be provided with a replacement policy from the renewal date of their current policy. This is providing you have not opted out of your data being transferred.
Who is going to be the new underwriter and administrator for MiPet Cover Insurance?

The new underwriter will be the Allianz Insurance plc (Allianz).

The new administrator will be PetCover EU Limited (Petcover) who will be responsible for all customer service.

How will I know if a policy is with Insurance Factory (IFL) or Petcover?

Any replacement policy continued on or after the 1 st May 2025 will be with the Petcover and Allianz.

Policies with renewal dates on the 30th April 2025 or before will be with Insurance Factory Limited.
All policies with Insurance Factory Limited start with either MPC or MPH.

All policies with Petcover start with the first 4 letters of the policy holder’s surname.

Will I be informed of the change in underwriter?
Yes, in advance of your policy replacement start date you will receive a letter which also provides instructions on how to opt-out if you do not wish for your data to be transferred. This will mean you will decline the replacement policy from the new underwriter and administrator and your policy will end at the renewal date.

This letter will detail your coverage, any changes and the price for the forthcoming year.

What happens if I opt out of having my data transferred to the new providers?

You will receive a letter confirming that your policy will stop on your renewal date. This means no further cover will be provided for claims related to events happening on or after this date. Any health conditions currently being covered on your MiPet Cover policy may not be covered with another insurer.

If you wish to change your mind, please call Insurance Factory Limited on 0808 164 7999 as soon as possible to advise that you would like to receive your replacement policy pack . If possible your details will then be passed to Petcover who will generate a quote for your replacement policy.

How do I pay for my replacement policy?

If you currently pay for your policy using direct debit your details will be automatically transferred from Insurance Factory Limited to Petcover.

If you have previously paid as an annual card payment you will need to contact the new Petcover to make payment before the start of your replacement policy.

How do I submit a claim?

You can continue to submit claims directly with your vets or as above.

What do I do if treatment dates span over the two policies ?

If the treatment starts before the policy transfers to Petcover but continues after this date the costs will be split. Any costs for treatment that takes place prior will be going to Insurance Factory Limited and any costs for treatment after this date to Petcover. All claims should be submitted to Insurance Factory Limited who will assess your claim based on all treatment/costs prior to your replacement policy starting. They will then forward the remainder of the claim on to Petcover to assess their portion of the claim. This could take up to 6 weeks.

Will I have cover for conditions I have already claimed for?
If your current policy covers an illness or injury, Allianz and Petcover will continue to provide cover for this, up to the limits on your replacement MiPet Cover policy. This is providing you accept the replacement policy with them, with effect from the date your current policy expires. Just remember, if your pet is covered on the ‘Annual’ or ‘365 Flex’ plans, an illness or injury is only covered for 12 months and this time period may already have been reached before your replacement MiPet Cover policy starts.
Will there be any changes to the policy terms and conditions?
There will be some changes to cover and policy terms and conditions, and these will be detailed in the Key Changes document that will be sent with your replacement policy pack.
Will I retain my multi-pet discount?
Yes, you will retain your discount as long as there is no break in cover.
Why has my price increased at renewal?

There are multiple factors that will affect the price of your MIPet Cover policy.

These include, but are not limited to;

  1. The age of your pet, as your pet ages the risk of them becoming ill increases.
  2. Your claims history, if your pet has been unwell and you’ve had to make a claim this may indicate that you’re more likely to claim in the future and will impact your premium.
  3. Advancements being made in veterinary treatments and inflationary increases both impact the cost of treatment and medication, which inevitably have an impact on insurance premiums.

With effect from 18th February 2025 CVS (UK) Limited (registered in England and Wales No. 03777473, Financial Services Register No. 407525), registered office address: CVS House, Owen Road, Diss, Norfolk IP22 4ER is an Introducer Appointed Representative of Allianz Insurance plc (details below) for replacement MiPet Cover policies. MiPet Cover is a trade mark of CVS (UK) Limited. CVS (UK) Limited is not part of the Allianz UK group of companies.

With effect from 1st May 2025 Allianz Insurance plc (registered in England and Wales No. 84638, registered office address: 57 Ladymead, Guildford, Surrey GU1 1DB is the insurer that underwrites the cover for MiPet Cover. MiPet Cover is arranged and administered by Petcover EU Limited (registered in England and Wales No.10001319, registered office address: Unit 4 Petcover, Bridge Road, Haywards Heath England, RH16 1TX

Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register No. 121849. Petcover EU Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register No.747757 and is not part of the Allianz UK group of companies. The details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).