Aviva Pet Insurance Reviews, Features, Pros & Cons

Aviva Pet Insurance Reviews, Features, Pros & Cons

Aviva pet insurance is a well-known insurance company with a strong reputation. They have been operating in the insurance industry for years and have a solid track record in providing reliable coverage and customer service.

 Aviva offers a range of insurance products, including pet insurance. comprehensive insurance policy that covers your pet against accidents, illness, and theft. The policy is available for dogs and cats.

When it comes to ensuring the health and well-being of your furry friend, Aviva pet insurance stands out as a comprehensive and affordable option. Designed to protect your pets from unexpected accidents, illnesses, and theft, Aviva offers a range of benefits that can provide peace of mind for pet owners.

About Aviva Pet Insurance

Aviva Pet Insurance is a part of Aviva, a renowned multinational insurance company with a strong presence in the United Kingdom, Ireland, Canada, and other countries. Aviva’s pet insurance policies are designed to offer protection and support for pet owners in case of unexpected illnesses, accidents, or injuries.

Key Features and Coverage Options

To meet the needs of various pet owners, Aviva Pet Insurance offers a variety of coverage alternatives. With adjustable coverage options and add-ons, they provide policies for both dogs and cats. Key characteristics and possibilities for coverage include: 

  • Veterinarian Fees Coverage: As a result of mishaps, diseases, or injuries, Aviva pays for a large amount of the veterinarian’s costs. 
  • Third-Party Liability: Aviva provides third-party liability insurance, defending you in the event that your pet injures or damages another person or their property. 
  • Boarding Fees: If you need hospitalization and are unable to care for your pet, Aviva will pay the boarding costs to make sure they are taken care of. Costs of Promotion and Rewards: Aviva contributes to defraying the expenses of
  • Advertising and Reward Costs: Aviva assists in covering the costs of advertising and offering rewards if your pet goes missing or is stolen.
  • Death from Illness or Accident: Aviva provides financial assistance for the sad event of your pet’s death due to illness or accident.

Benefit Plans and Optional Add-ons 

Aviva offers several benefit plans, allowing pet owners to choose the level of coverage that suits their needs. These plans include:

  • Essential Cover: This plan offers coverage that is necessary for veterinarian expenses, third-party liability, and advertising and incentive costs. 
  • Classic Cover: The Classic plan adds boarding costs and international travel insurance to the protection offered by the Essential plan. 
  • other coverage: The Extra plan provides comprehensive coverage, higher veterinarian price limitations, third-party liability protection, and other benefits like complementary therapies and dental care. 
  •  Lifetime Cover: This continued protection against chronic ailments or long-term illnesses is provided by Aviva’s Lifetime Cover, which is renewed annually without restrictions.

Optional add-ons allow pet owners to further customize their policies. These add-ons may include dental cover, preventive care, overseas travel cover, and complementary treatment cover.

Claims Process and Customer Service of Aviva Pet Insurance

Aviva strives to make the claims process as smooth as possible for its policyholders. In case of a claim, pet owners can contact Aviva’s dedicated claims team, which is available 24/7. The company offers different channels for claim submission, including phone, email, and online platforms.

Aviva’s customer service is known for its professionalism and prompt response to inquiries, 

How To Contact Aviva Pet Insurance Customer Service

To contact Aviva you can use the online chat box and to make claims you can call on 03332340631

Their knowledgeable representatives are committed to addressing policyholders’ concerns and providing assistance throughout the claims process or any other queries related to the policies.

Advantages of Aviva Pet Insurance 

Aviva Pet Insurance stands out among its competitors for several reasons:

  • Reputation and Experience: Aviva is a trusted name in the insurance industry, with decades of experience and a strong reputation for reliability.
  • Comprehensive Coverage: Aviva’s pet insurance policies offer comprehensive coverage, encompassing a wide range of medical conditions, accidents, and injuries that your pet may encounter throughout their life. This ensures that you have financial support when unexpected veterinary expenses arise.
  • Flexibility and Customization: Aviva understands that each pet and owner have unique needs. They provide flexible coverage options, allowing pet owners to tailor their policies according to their budget and specific requirements. With multiple benefit plans and optional add-ons, you can choose the level of coverage that suits your pet’s needs and your financial situation.
  • Lifetime Coverage: Aviva’s Lifetime cover is a standout feature that sets them apart from many other pet insurance providers. This type of coverage ensures that chronic conditions or long-term illnesses are covered year after year, without limitations or exclusions. This provides peace of mind for pet owners with pets requiring ongoing medical care.
  • 24/7 Claims Support: Aviva understands that emergencies can happen at any time. That’s why they offer round-the-clock claims support. Their dedicated claims team is available 24/7 to assist you in filing claims and providing guidance throughout the process. This ensures that you receive timely assistance and quick reimbursement for covered expenses.
  • Additional Benefits: Aviva goes beyond standard coverage by offering additional benefits to policyholders. These may include complementary treatments like acupuncture or physiotherapy, dental care coverage, and coverage for overseas travel with your pet. These additional benefits add value to the policy and enhance the overall coverage for your pet.

Considerations and Limitations

  1. Waiting Periods: Aviva, like many pet insurance companies, may impose delays before coverage kicks in. Certain ailments or disorders might not be covered during this time. Reviewing the policy’s specifics is necessary to comprehend the waiting periods and when coverage will begin.
  1. Pre-existing Conditions: Pre-existing conditions are often not covered by Aviva, like most insurers do. These are ailments that your pet was dealing with at the time the coverage was started or throughout the waiting period. When requesting coverage, it’s essential to report any pre-existing conditions and be aware of how they will be handled.
  1. Age Restrictions: Pet insurance enrollment with Aviva may be subject to age restrictions. There may be a minimum or maximum age restriction for pets in some policies. To make sure your pet qualifies for coverage, check the age limitations. 
  1. Breed-Specific Exclusions: Due to their propensity for certain medical issues, several dog breeds may be subject to breed-specific exclusions or coverage restrictions. It’s crucial to read the terms and conditions of the insurance to determine whether any restrictions or exclusions apply to the breed of your pet.
  1. Policy Exclusions and Limits: Like any insurance company, Aviva Pet Insurance may have particular exclusions and limitations on coverage. These exclusions can cover elective surgeries, cosmetic procedures, behavioral problems, or particular medications or therapies. To know what is covered and what is not, it is essential to read and comprehend the policy paperwork in its entirety.

Frequently Asked Questions

Q. Does Aviva cover hereditary or congenital conditions?

A. Aviva Pet Insurance provides coverage for hereditary or congenital conditions, as long as they are not pre-existing. It’s important to disclose any known hereditary or congenital conditions when applying for coverage.

However, it’s recommended to review the policy terms and conditions or speak with an Aviva representative to understand the specific coverage and limitations related to hereditary or congenital conditions

Q. Can I cancel my Aviva Pet Insurance policy if needed?

A. Aviva Pet Insurance policies usually have a cooling-off period, which allows you to cancel the policy within a certain timeframe, typically 14 days, if you change your mind.

If you decide to cancel after the cooling-off period, it’s essential to review the policy terms and conditions regarding cancellations and any associated fees or penalties. Contact Aviva’s customer service to initiate the cancellation process and discuss any refund or financial considerations.

Q. Can I choose my preferred veterinarian with Aviva Pet Insurance?

A. Yes, with Aviva Pet Insurance, you have the freedom to choose your preferred veterinarian. Aviva does not impose restrictions on which veterinary clinics or hospitals you can visit.

As long as the provider is licensed and qualified, the expenses incurred for treatment and care at your chosen veterinarian will be eligible for coverage, subject to the terms and conditions of your policy.

Q. Are routine check-ups and vaccinations covered by Aviva Pet Insurance?

A. Routine check-ups and vaccinations are generally not covered by standard pet insurance policies, as they are considered preventive care. However, Aviva offers optional add-ons that may include coverage for preventive care.

These add-ons can vary, so it’s crucial to review the policy details or contact Aviva’s customer service to understand the specific coverage options available for routine check-ups and vaccinations.

Q. What is the process for filing a claim with Aviva Pet Insurance?

A. To file a claim with Aviva Pet Insurance, you can contact their dedicated claims team through phone, email, or online platforms. They offer 24/7 claims support, ensuring you can reach out at any time. The claims team will guide you through the process, including providing the necessary forms and documentation.

It’s important to provide all the required information and supporting documents, such as veterinary invoices and medical records, to expedite the claims process. Aviva aims to process claims efficiently and reimburse eligible expenses promptly.

Q. Can I add optional extras to my Aviva pet insurance policy?

A. Yes, Aviva provides optional extras that allow you to customize your coverage. These extras may include cover for alternative therapies, travel insurance, and extended cover for specific pre-existing conditions. You can select the extras that best suit your pet’s needs.


Dogs and cats are covered by the comprehensive and dependable Aviva Pet Insurance. Their insurance plans are made to shield pet owners from unforeseen veterinary costs, giving them financial help and peace of mind when they need it most. The spectrum of veterinary expenditures, third-party liability, boarding costs, advertising, and incentive charges, as well as covering death due to disease or accident, are all included in Aviva’s coverage.

The adaptability and customizability of Aviva Pet Insurance are two of its advantages. They provide various benefit plans and add-on choices so that pet owners can customize their coverage to suit their individual requirements and financial constraints. Whether you need basic protection or complete coverage, Aviva has choices to meet your needs.

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