Help U Cover - Pet Insurance reviews

Help U Cover provides the security of knowing you are protected by an establish insurer with a reputation for service and reliability. The business was first established in 1971, as Pinnacle Insurance Company Ltd, and established itself as a leading specialist provider of protection and investment solutions.

Help U Cover

Ranked #28 of 31 Pet Insurance providers based on 314 reviews

Review Score

4.9

Quotes our team received:

  • Dog £11.06 per month
  • Cat £5.96 per month

Reviewed on:
4 Review(s) in total

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Choose from three levels of pet insurance

Help U Cover’s pet insurance options range from Per Condition to Lifetime, which include veterinary fee cover, optional benefits and up to £3,000 holiday cancellation. There is a useful guide to the types of benefits available, below.

The claim limit for each insurance option is subject to excesses, which are the amounts you have to pay for each claim. Excess is payable, per condition and is fixed until each annual review. Once your pet reaches a certain age, it will change from a defined amount, to a percentage contribution.

  • Cats – 10 years
  • Dogs – 5 to 8 years, depending on the breed
  • Rabbits – 5 years

The policy booklet has the full terms and conditions. For more information visit Help U Cover’s official website.

Per ConditionTime LimitedLifetime
Vet FeesUp to £3,000Up to £1,000 per conditionUp to £6,000
Third Party Liability£2,000,000£2,000,000£2,000,000
Death From AccidentUp to £500Up to £500Up to £1,000
Advertising & RewardUp to £500Up to £500Up to £1,000
Theft & StrayingUp to £500Up to £500Up to £1,000
Boarding FeesUp to £500Up to £500Up to £1,000
Premium WaverUp to 6 Months PremiumsUp to 6 Months PremiumsUp to 6 Months Premiums

Your benefits for pet insurance cover levels

Advertising or Reward

If your dog goes missing or is stolen, Help U Cover will cover the cost of advertising and reward up to £1,000 per policy year. They will also cover the loss of your pet up to £1,500. Its worth noting, however, that payment depends on circumstances and the level of cover you have taken out.

Death Due to Accident

Help U Cover will cover your pet if they die due to injury or accident up to £500 across all levels of cover, excluding Premier, which covers up to £1,500.

Boarding Kennel Fees

Hospitalisation and Boarding fees are covered by Help U Cover up to £500 as standard, across all levels of cover. This is excluding Premier, which covers up to £1,000 per policy year.

Liability Cover

If your pet causes an accident or harms another person, Help U Cover provides Third Party Liability Cover and legal costs up to £2 million as standard, across all levels of cover.

Holiday Cancellation

Holiday cancellation, for when your pet needs surgery or is ill, is covered by Help Up Cover up to £500 as standard, across all levels of cover. This is excluding the Premier policy, which covers holiday cancellation up to £3,000.

What animals can I insure with Help U Cover?

Help U Cover provides pet insurance for dogs and cats, from 8 weeks to 8 years, as well as Rabbits.

What types of policy do Help U Cover offer?

Help U Cover currently provide three main policies, Lifetime, Time Limited and Per Condition with vet fees covered up to £6,000 per policy year (£2,000 for Rabbits).

Does Help U Cover cover pre-existing conditions?

Help U Cover does not provide cover for conditions, illnesses or injuries diagnosed before the policy start date or during the 14 day wait period. Any condition, illness or injury diagnosed after that period of time will be covered by the policy.

How long does it take to assess a claim?

While Help U Cover does not provide a time limit with assessing claims, their UK based team aim to handle pet insurance claims quickly and fairly.

About Help U Cover

Help U Cover offers  several services including:

  • Provision of creditor
  • Pet Insurance
  • Motor warranty insurance
  • Gadget and mobile insurance

About Help U Cover Pet Insurance

Help U Cover provides pet insurance for dogs and cats up and Rabbits. They currently provide three main policies, Lifetime, Time Limited and Per Condition with vet fees covered up to £6,000 per policy year (£2,000 for Rabbits).

Please note that you will be unable to insure your dog after their 8th birthday. For certain breeds of dogs, you will be unable to insure them on a new policy after their 5th birthday. For cats, this extends to their 10th birthday. Dental treatment is also excluded from cover, except when done to relieve the suffering of the animal.

For more information Help U Cover pet insurance policies, visit https://www.helpucover.co.uk/

Help U Cover Contact Info

helpucover is a trading style of Pinnacle Insurance plc – one of the UK’s leading insurers. Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Pinnacle Insurance plc appears on the Financial Services Register and our Financial Services Register Number is 110866. www.register.fca.org.uk.

Promotions and Offers

Help U Cover provides a 10% online discount for new customers and also provides a discount if you insure more than one pet.

Contact

You can get in contact with Help U Cover via the following options. Lines are open Monday – Friday 8:30am – 6pm and Saturday 9am – 1pm

  • Quotes – 0800 038 0833
  • Customer Services or Making a claim – 0330 123 1922

You can also contact them by email. Simply fill in their contact form here and Help U Cover will get back to you as soon as possible. https://www.helpucover.co.uk/contact-us/

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