Allianz Pet Insurance Ireland 2025: Complete Review & Cover Guide
- Allianz Guarantees
- Allianz Exclusions
- Allianz Prices
- Allianz Assistance
- Customer Reviews of Allianz
- Contacting Allianz
- FAQ
Our expert's opinion on Allianz
Allianz Pet Insurance in Ireland offers a traditional policy structure for cats and dogs, providing coverage for vet fees (up to the amount specified in individual schedules), third party liability (€250,000), and additional benefits such as holiday cancellation (€1,000), death, theft or straying (€1,500 each), and advertising/reward (€500), with deductibles or excesses applying per illness or injury. Allianz positions itself among established insurers with a broad benefit package and mid-market policy design, but lacks flexible plan choices and does not aim for the lowest pricing compared to newer digital competitors; its strengths lie in solid third-party liability protection and clear benefit limits. The policy is best suited for owners of young to middle-aged pets, those prioritising high liability protection, or owners of purebred animals with full documentation, but it does not cater well to senior pets or those seeking high reimbursements for routine/wellness care. Allianz is one of the world's largest insurers, reporting annual group revenues of over €100 billion, and in Ireland maintains strong financial backing; however, Trustpilot ratings average only 1.6/5 (148 reviews overall for the group), due mainly to complaints outside pet insurance, with pet claims handled via a dedicated team and typical processing times of 2–4 weeks.
- ✅High third party liability limit (€250,000) included
- ✅Death, theft, and straying cover up to €1,500
- ✅Advertising/reward and holiday cancellation benefits
- ✅Covers certain accredited behaviourist treatments
- ✅Available for cats and dogs from 8 weeks old
- ✅Covers emergency vet treatment abroad (up to 30 days in UK/Isle of Man)
- ✅24/7 online account management via MyAllianz
- ❌No wellness or preventive care coverage
- ❌Strict exclusions for pre-existing and age-related conditions
- ❌No telehealth or dedicated assistance services
- ❌Single policy formula, little plan flexibility
- ❌Low Trustpilot score, slow claims reported by some users
- ✅High third party liability limit (€250,000) included
- ✅Death, theft, and straying cover up to €1,500
- ✅Advertising/reward and holiday cancellation benefits
- ✅Covers certain accredited behaviourist treatments
- ✅Available for cats and dogs from 8 weeks old
- ✅Covers emergency vet treatment abroad (up to 30 days in UK/Isle of Man)
- ✅24/7 online account management via MyAllianz
Our expert's opinion on Allianz
ScoreAllianz Pet Insurance in Ireland offers a traditional policy structure for cats and dogs, providing coverage for vet fees (up to the amount specified in individual schedules), third party liability (€250,000), and additional benefits such as holiday cancellation (€1,000), death, theft or straying (€1,500 each), and advertising/reward (€500), with deductibles or excesses applying per illness or injury. Allianz positions itself among established insurers with a broad benefit package and mid-market policy design, but lacks flexible plan choices and does not aim for the lowest pricing compared to newer digital competitors; its strengths lie in solid third-party liability protection and clear benefit limits. The policy is best suited for owners of young to middle-aged pets, those prioritising high liability protection, or owners of purebred animals with full documentation, but it does not cater well to senior pets or those seeking high reimbursements for routine/wellness care. Allianz is one of the world's largest insurers, reporting annual group revenues of over €100 billion, and in Ireland maintains strong financial backing; however, Trustpilot ratings average only 1.6/5 (148 reviews overall for the group), due mainly to complaints outside pet insurance, with pet claims handled via a dedicated team and typical processing times of 2–4 weeks.
- ✅High third party liability limit (€250,000) included
- ✅Death, theft, and straying cover up to €1,500
- ✅Advertising/reward and holiday cancellation benefits
- ✅Covers certain accredited behaviourist treatments
- ✅Available for cats and dogs from 8 weeks old
- ✅Covers emergency vet treatment abroad (up to 30 days in UK/Isle of Man)
- ✅24/7 online account management via MyAllianz
- ❌No wellness or preventive care coverage
- ❌Strict exclusions for pre-existing and age-related conditions
- ❌No telehealth or dedicated assistance services
- ❌Single policy formula, little plan flexibility
- ❌Low Trustpilot score, slow claims reported by some users
- ✅High third party liability limit (€250,000) included
- ✅Death, theft, and straying cover up to €1,500
- ✅Advertising/reward and holiday cancellation benefits
- ✅Covers certain accredited behaviourist treatments
- ✅Available for cats and dogs from 8 weeks old
- ✅Covers emergency vet treatment abroad (up to 30 days in UK/Isle of Man)
- ✅24/7 online account management via MyAllianz
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in Ireland every year so that we can offer you reliable, unbiased analysis. Thanks to this rigorous approach, thousands of people across Ireland trust us each month to guide them on their most important financial decisions.
Allianz Guarantees
Allianz pet insurance in Ireland provides a comprehensive single-tier plan covering both illness and accident-related veterinary fees, as well as robust third-party liability, loss, and boarding features.
Reimbursement is based on customary veterinary costs up to limits set in your schedule, with a per-condition excess and additional percentage co-payment for older pets.
Preventive and elective treatments are not included, and there are strict exclusions for pre-existing conditions, age and breed restrictions for death and illness benefits, and limited boarding coverage.
Allianz stands out for its upper-tier liability protection and the inclusion of holiday cancellation, theft/straying, and death from illness/injury, though the lack of a wellness/preventive care package is a notable gap.
Routine and cosmetic procedures, prescription diets (except bladder cases), and most alternative therapies are not covered, and there is no teleconsultation or digital claims functionality beyond the online account.
| Name of coverage | Allianz Pet Insurance Plan |
|---|---|
| Plan positioning | Single comprehensive plan, illness + accident |
| Type of coverage | Illness and accident |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | Based on customary vet costs, N.C. |
| Annual reimbursement limit | Up to vet fee amount on your schedule |
| Deductible (annual or per claim) | Per condition, per illness/injury |
| Age limits for enrollment (dogs/cats) | 8 weeks minimum; illness death: dog/cat 8+ excluded |
| Pre-enrollment health questionnaire | N.C. (not specified in provided documents) |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | N.C. (not specified in provided documents) |
| Lifetime coverage once subscribed | N.C. (not specified in provided documents) |
| Vet consultations (regular + emergency) | ✅ up to policy limit, excess per incident |
| Medications | ✅ up to policy limit |
| Hospitalization | ✅ up to policy limit |
| Surgery (including anesthesia) | ✅ up to policy limit |
| Diagnostic tests | ✅ up to policy limit, pre-approval for MRI/CT |
| Dental care | ❌ routine/cosmetic excluded; some injury/illness dental covered |
| Preventive care package | ❌ not covered |
| Alternative medicine | ❌ not covered unless specifically agreed |
| Travel coverage | 30 days in UK, IOM, Channel Islands per trip |
| Civil liability | ✅ up to €250,000 |
| Euthanasia | ✅ euthanasia covered, not cremation/disposal |
| Death & cremation coverage | Death: ✅ up to €1,500; cremation: ❌ not covered |
| Theft or loss of pet + search expenses | ✅ up to €1,500 (plus €500 advertising/reward) |
| Boarding fees (owner hospitalized) | ✅ applies after 4+ days, policy limits apply |
Policy Exclusions and Limitations
Excess applies per condition per policy period; additional co-payment for older pets may be required depending on breed/age.
Holiday cancellation, theft/straying, and advertising/reward require strict documentation and advance approval for rewards.
MRI/CT scans require prior authorization; non-compliance with animal laws voids cover for certain benefits.
Claims for routine vaccinations, food, elective procedures, and dental cleaning (except after injury/illness) are excluded.
No dedicated mobile app or teleconsultation services are currently available for this product.
Always compare several quotes and benefit limits to find the plan that best fits your needs and budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Allianz Exclusions
The Allianz pet insurance policy applies strict exclusions, notably any pre-existing conditions, illnesses during a 14-day waiting period, and all routine or preventive treatments, which is standard for the Irish market.
Elective procedures, treatments for pregnancy or giving birth, and any pets used for commercial, guard, or racing purposes are not covered.
A significant difference compared to some competitors is the rigid age-based exclusion for death from illness (select breeds aged 5+ and all pets 8+ are excluded), plus denial of cover for certain incident types—such as deliberate harm, breach of animal welfare legislation, or non-authorised travel/treatments.
MRI and CT scans are excluded unless pre-approved, as are losses from confiscation, pollution (except immediate pet-caused accidents), war, and notifiable diseases.
Allianz also denies claims if false/omitted disclosures are found or if you fail to maintain required vaccinations, making compliance essential for claims eligibility.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions • Illness during 14-day waiting period • Routine or preventive care (neutering, vaccinations, dental scaling, flea/worm treatments) • Elective/cosmetic treatment • Pregnancy, birth, lactation • Behavioural problems not referred by accredited vet • Dietary food except as specified (e.g., certain prescription diets for bladder stones, limited duration) |
| Age and breed restrictions | • No illness cover for select breeds from age 5+ • No illness cover for any pet age 8+ • No cover for animals under 8 weeks at enrolment |
| Activity-based exclusions | • Pets used for business, security, racing, coursing, or breeding purposes • Liability cover for certain breeds only if muzzled/controlled |
| Ownership/responsibility | • Losses from deliberate or negligent owner action • Claims for unvaccinated pets for preventable illnesses • Claims denied for fraud, misrepresentation, or incomplete disclosure |
| Incident/nature exclusions | • Confiscation or destruction by authorities • Notifiable/epidemic diseases • Losses from war, riot, sanctions, or pollution (unless direct, immediate pet-caused accident) • Zoonoses • Contractual liability |
| Territorial/geographic | • No cover for treatment outside ROI, UK, Isle of Man or Channel Islands (unless pre-agreed) • No travel solely for veterinary treatment unless no alternative in ROI |
| Hospitalisation/boarding | • Owner's hospitalization under 4 days • Hospitalization for pregnancy, addiction, non-illness/injury reasons • Non-compliance with kennel/cattery licensing |
| Diagnostic exclusions | • MRI/CT scans without prior approval from Diagnostic Imaging Specialist |
• Illness during 14-day waiting period
• Routine or preventive care (neutering, vaccinations, dental scaling, flea/worm treatments)
• Elective/cosmetic treatment
• Pregnancy, birth, lactation
• Behavioural problems not referred by accredited vet
• Dietary food except as specified (e.g., certain prescription diets for bladder stones, limited duration)
• No illness cover for any pet age 8+
• No cover for animals under 8 weeks at enrolment
• Liability cover for certain breeds only if muzzled/controlled
• Claims for unvaccinated pets for preventable illnesses
• Claims denied for fraud, misrepresentation, or incomplete disclosure
• Notifiable/epidemic diseases
• Losses from war, riot, sanctions, or pollution (unless direct, immediate pet-caused accident)
• Zoonoses
• Contractual liability
• No travel solely for veterinary treatment unless no alternative in ROI
• Hospitalization for pregnancy, addiction, non-illness/injury reasons
• Non-compliance with kennel/cattery licensing
Allianz Prices
Allianz occupies a mid-range to slightly premium position in the Irish pet insurance market, with prices that reflect broad coverage limits, a reliable European brand, and an emphasis on compensation for both illness and accident, including third-party liability and travel cover. The policy features competitive coverage for vet fees, death, theft/straying, and owner hospitalisation, but does not include a wellness package or many digital-only efficiencies, which means its pricing aligns with more traditional insurers. Deductibles and co-insurance terms are moderate; premiums can increase for older pets or select breeds, in line with market patterns. Unlike some fully digital pure players, Allianz relies on standard claims procedures and phone or postal communications, which does not translate into the lowest market rates, but does maintain a sense of personal reliability. This offer is best for pet owners seeking comprehensive but not elite cover, willing to pay standard rates for trusted support and extensive benefits.
Compare Allianz plans below and find the cover that matches your pet’s profile and budget.
| Cat (2–4 yrs) | Cat (7–8 yrs) | Small breed dog (2–4 yrs) | Large breed dog (2–4 yrs) | Senior dog (7–8 yrs) | |
|---|---|---|---|---|---|
| Allianz Premium | €18/month | €26/month | €23/month | €32/month | €39/month |
Allianz Promo Codes
| Allianz Promo Codes | Details |
|---|---|
| HelloSafe Promo Code |
|
- 5% on your quote
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much reimbursement can I expect from Allianz?
With Allianz, your pet's eligible veterinary costs are reimbursed according to your plan's annual limit, minus any fixed deductible and subject to any specific excess for older pets, ensuring predictable out-of-pocket costs for covered accidents and illnesses.
Treatment for a broken leg (dog)
Treatment will vary depending on the severity and location of the fracture. It may include splinting, casting, or surgery. Pain management is also crucial.
Total veterinary costs: €1,200 (X-rays, surgery, post-op meds)
Deductible (excess) to subtract: €125 (fixed, per illness or injury)
Reimbursable amount after deductible: €1,200 – €125 = €1,075
Coverage applies up to the annual limit (e.g., €4,000);
Allianz reimburses €1,075
👉 You receive a reimbursement of €1,075; out-of-pocket cost: €125
ℹ️ For dogs aged 8+, check your policy for any additional age-related co-pay (not systematically listed).
Chronic Kidney Disease Management (Cat)
Total vet costs: €900 (consultations, diagnostics, medication over calendar year)
Deductible (excess) to subtract: €125 (per condition, per insurance year)
Reimbursable amount: €900 – €125 = €775
All reimbursement is up to the annual cover amount, so Allianz pays €775
👉 You are reimbursed €775; your out-of-pocket cost: €125
ℹ️ The deductible only applies once per illness/injury per policy year; ongoing treatment is covered if you renew and remain within annual limits.
Soft tissue surgery for a swallowed toy (dog)
Soft tissue surgery may be required if a dog swallows a toy and it becomes lodged in the digestive tract.
Total vet costs: €2,500 (emergency surgery, hospitalisation)
Deductible (excess) to subtract: €125 (already met for this condition/year)
Reimbursable amount: €2,500 – €125 = €2,375
Allianz reimburses €2,375 within the overall policy limit (e.g., €4,000/year)
👉 You receive €2,375; your out-of-pocket cost: €125
ℹ️ If the cover limit were already partially used, only costs up to that limit are reimbursed.
Allianz Assistance
| Assistance Allianz | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (e.g., Payvet or Petcard) is offered. You pay the vet first, then claim back. |
| Payment facilities | ❌ | No information on interest-free instalments or split payment facilities is available. N.C. |
| Mobile app | ❌ | No dedicated Allianz Ireland pet app referenced. Policy management via web portal (MyAllianz). N.C. |
| Paperless claims process | ✅ | Claims can be submitted online via the MyAllianz portal or by email; paperless but no dedicated app process. |
| Emergency vet service | ❌ | No 24/7 emergency vet line or teleconsultation service included in the policy or documentation. |
| Vet/clinic partner network | ❌ | No partner vets or clinics listed; choose any licensed vet in ROI/UK (short trips). |
| Coverage abroad | ✅ | Treatment covered in Ireland, plus up to 30 days in the UK, Isle of Man, Channel Islands each year. |
Customer Reviews of Allianz
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.6 out of 5 (148 reviews) |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Allianz for their pets mention:
- A responsive claims team for pet insurance customers, with some reporting satisfactory communication.
- The ability to manage policies and submit claims online via an accessible customer portal.
- Occasional reports of prompt reimbursements and help from customer support in resolving specific queries.
On the negative side:
- A high number of complaints about poor customer service, particularly slow or unresolved responses to queries and claims.
- Frequent reports of slow or denied claim reimbursements and difficulties encountered when cancelling policies.
- Noticeable dissatisfaction with premium increases, unclear policy wording, and the refusal of certain claims perceived as unjustified.
- An overall low average rating among pet owners, indicating general dissatisfaction compared to other providers.
Contacting Allianz
| Allianz Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via MyAllianz portal (https://www.allianz.ie), by email to [email protected] or [email protected], or by post to: Allianz House, Elmpark, Merrion Road, Dublin 4, D04 Y6Y6. Phone for claims: 01 613 3990. Required documents: completed claim form, original vet invoice, clinical notes, and any other supporting documents. Payments made by bank transfer or cheque. Processing time: typically within a few weeks, depending on claim completeness. |
| To obtain a certificate of insurance | Request certificates by calling +353 1 448 4848 or by email ([email protected]). You may also access/download certificates via the MyAllianz customer portal at https://www.allianz.ie. |
| To contact assistance | Call Customer Service on +353 1 448 4848 for general help or 01 613 3990 for claims. Email [email protected]. There is no specific emergency helpline or vet teleconsult service; online account access available 24/7 at MyAllianz portal. |
| To cancel my policy | Call +353 1 448 4848 or email [email protected] (provide your policy number, written cancellation request, and reason). Alternatively, write to Allianz House, Elmpark, Merrion Road, Dublin 4, D04 Y6Y6. A written notice is required; you may be asked for supporting documents (proof of new insurance, pet’s passing, sale, etc.) depending on the situation. Standard notice period applies; refunds calculated for unused premium based on policy terms. |
Phone for claims: 01 613 3990.
Required documents: completed claim form, original vet invoice, clinical notes, and any other supporting documents.
Payments made by bank transfer or cheque.
Processing time: typically within a few weeks, depending on claim completeness.
You may also access/download certificates via the MyAllianz customer portal at https://www.allianz.ie.
Email [email protected].
There is no specific emergency helpline or vet teleconsult service; online account access available 24/7 at MyAllianz portal.
Alternatively, write to Allianz House, Elmpark, Merrion Road, Dublin 4, D04 Y6Y6.
A written notice is required; you may be asked for supporting documents (proof of new insurance, pet’s passing, sale, etc.) depending on the situation.
Standard notice period applies; refunds calculated for unused premium based on policy terms.
FAQ
Do I have to pay upfront for veterinary fees with Allianz?
Yes, with Allianz pet insurance, you are required to pay your vet directly after treatment and then submit a claim for reimbursement. Allianz does not offer an advance payment or third-party settlement system for vet bills. After your claim is approved, reimbursement is issued directly to you via bank transfer or cheque. You must submit a completed claims form, original invoices, and all supporting documents. The process is managed via the MyAllianz portal or by email/post.
How do I cancel my pet insurance policy with Allianz?
To cancel your Allianz pet insurance policy, contact Allianz by phone or email and provide your policy number and a written cancellation request. Notice should be given in accordance with your policy terms (usually within 14 days for cooling-off, or anytime thereafter for standard cancellation). Supporting documents may be required, such as proof of rehoming, new insurance, or bereavement. Refunds are calculated for any unused premium on a pro-rata basis. It is advisable to confirm receipt of cancellation in writing for your records.
What does Allianz pet insurance cover?
Allianz covers veterinary fees for accidents and illness (subject to policy limits), third party liability for dogs, holiday cancellation, death due to injury or illness (with age and breed restrictions), theft or straying, advertising and reward, and emergency boarding if you are unexpectedly hospitalised for more than four days. The cover includes consultations, prescribed medication, surgery, diagnostic tests, and some behavioural treatments. Maximum amounts for each section are stated in your policy schedule. Some benefits require documentation (like proof of purchase for theft/straying).
Are there any important exclusions with Allianz pet insurance?
Yes, Allianz excludes pre-existing conditions, illnesses during the initial waiting period (14 days), and claims for routine or elective care (such as vaccinations, neutering, dental cleaning, and preventative treatments). There are also exclusions for older pets, certain breeds (particularly for illness-related death), and any treatments related to pregnancy or birth. Claims from pets used for business, showing, or working purposes are not covered. Full details on exclusions are outlined in the policy terms and conditions.
Can I use Allianz pet insurance abroad?
Allianz provides cover for treatment in Ireland and for up to 30 days each year in the UK, Isle of Man, and Channel Islands, as long as the travel is not specifically for seeking veterinary care. Any treatment abroad is subject to the same limits and terms as in Ireland. You must inform Allianz and retain all original evidence (veterinary receipts, reports, and travel dates). No cover applies for overseas trips longer than 30 days or for other countries not listed in your policy.
How do I make a claim with Allianz and how long does it take?
You can submit claims online through the MyAllianz portal, by email ([email protected]), or by post. Required documents include the completed claim form, original itemised invoices, clinical notes, and any supporting records as outlined in the policy. Payment is typically made via bank transfer or cheque after your claim is processed. Claim processing time depends on the completeness of your submission but is usually a few weeks if all documents are in order. It's important to act promptly and retain copies of all paperwork.
Do I have to pay upfront for veterinary fees with Allianz?
Yes, with Allianz pet insurance, you are required to pay your vet directly after treatment and then submit a claim for reimbursement. Allianz does not offer an advance payment or third-party settlement system for vet bills. After your claim is approved, reimbursement is issued directly to you via bank transfer or cheque. You must submit a completed claims form, original invoices, and all supporting documents. The process is managed via the MyAllianz portal or by email/post.
How do I cancel my pet insurance policy with Allianz?
To cancel your Allianz pet insurance policy, contact Allianz by phone or email and provide your policy number and a written cancellation request. Notice should be given in accordance with your policy terms (usually within 14 days for cooling-off, or anytime thereafter for standard cancellation). Supporting documents may be required, such as proof of rehoming, new insurance, or bereavement. Refunds are calculated for any unused premium on a pro-rata basis. It is advisable to confirm receipt of cancellation in writing for your records.
What does Allianz pet insurance cover?
Allianz covers veterinary fees for accidents and illness (subject to policy limits), third party liability for dogs, holiday cancellation, death due to injury or illness (with age and breed restrictions), theft or straying, advertising and reward, and emergency boarding if you are unexpectedly hospitalised for more than four days. The cover includes consultations, prescribed medication, surgery, diagnostic tests, and some behavioural treatments. Maximum amounts for each section are stated in your policy schedule. Some benefits require documentation (like proof of purchase for theft/straying).
Are there any important exclusions with Allianz pet insurance?
Yes, Allianz excludes pre-existing conditions, illnesses during the initial waiting period (14 days), and claims for routine or elective care (such as vaccinations, neutering, dental cleaning, and preventative treatments). There are also exclusions for older pets, certain breeds (particularly for illness-related death), and any treatments related to pregnancy or birth. Claims from pets used for business, showing, or working purposes are not covered. Full details on exclusions are outlined in the policy terms and conditions.
Can I use Allianz pet insurance abroad?
Allianz provides cover for treatment in Ireland and for up to 30 days each year in the UK, Isle of Man, and Channel Islands, as long as the travel is not specifically for seeking veterinary care. Any treatment abroad is subject to the same limits and terms as in Ireland. You must inform Allianz and retain all original evidence (veterinary receipts, reports, and travel dates). No cover applies for overseas trips longer than 30 days or for other countries not listed in your policy.
How do I make a claim with Allianz and how long does it take?
You can submit claims online through the MyAllianz portal, by email ([email protected]), or by post. Required documents include the completed claim form, original itemised invoices, clinical notes, and any supporting records as outlined in the policy. Payment is typically made via bank transfer or cheque after your claim is processed. Claim processing time depends on the completeness of your submission but is usually a few weeks if all documents are in order. It's important to act promptly and retain copies of all paperwork.
