Petinsure.ie Pet Insurance 2025: In-Depth Review, Cover Options & Customer Insights
Our expert's opinion on Petinsure.ie
Petinsure.ie is a well-established provider in Ireland offering three straightforward pet insurance tiers—Essential, Premier, and Premier Plus—spanning from 12-month per condition cover to lifetime benefits with annual reinstatement of limits for ongoing conditions. The Premier and Premier Plus plans feature generous vet fee allowances of €4,000 per year and strong liability cover (€250,000 for dogs), while fixed and percentage-based excesses (15% for pets aged 5+) add nuance to out-of-pocket costs; wellness or routine/preventive care is generally excluded, and there is no comprehensive wellness budget. Petinsure.ie sits above budget providers on cover breadth but below top-tier European insurers on reimbursement flexibility and wellness extras, excelling locally on clarity, value, and accessible lifetime cover options. This insurer suits owners of young to middle-aged dogs and cats seeking robust core cover, particularly first-time buyers, those managing specific budgets, and owners of pedigree breeds needing ongoing illness protection. Part of Blue Insurance, Petinsure.ie benefits from a strong market reputation: its Trustpilot score is 4.3/5 from 1,554 reviews with responsive customer service, claim handling times averaging a few weeks, and consistent, reliable reimbursement observed.
- ✅Three clear policy tiers: 12-month and lifetime options
- ✅High annual vet fee limits (up to €4,000)
- ✅Strong third-party liability cover (€250,000) for dogs
- ✅Lifetime illness/injury cover with Premier Plus
- ✅Comprehensive travel/boarding options (Premier/Premier Plus)
- ✅24/7 vet helpline for policyholders
- ✅Highly rated: 4.3/5 from over 1,500 Trustpilot reviews
- ❌No wellness/routine care reimbursement
- ❌Strict exclusion of pre-existing conditions
- ❌Increased excess (15%) from age 5 onwards
- ❌No cover for older pets at policy start (8+ years)
- ❌Some claims process delays reported
- ✅Three clear policy tiers: 12-month and lifetime options
- ✅High annual vet fee limits (up to €4,000)
- ✅Strong third-party liability cover (€250,000) for dogs
- ✅Lifetime illness/injury cover with Premier Plus
- ✅Comprehensive travel/boarding options (Premier/Premier Plus)
- ✅24/7 vet helpline for policyholders
- ✅Highly rated: 4.3/5 from over 1,500 Trustpilot reviews
Our expert's opinion on Petinsure.ie
ScorePetinsure.ie is a well-established provider in Ireland offering three straightforward pet insurance tiers—Essential, Premier, and Premier Plus—spanning from 12-month per condition cover to lifetime benefits with annual reinstatement of limits for ongoing conditions. The Premier and Premier Plus plans feature generous vet fee allowances of €4,000 per year and strong liability cover (€250,000 for dogs), while fixed and percentage-based excesses (15% for pets aged 5+) add nuance to out-of-pocket costs; wellness or routine/preventive care is generally excluded, and there is no comprehensive wellness budget. Petinsure.ie sits above budget providers on cover breadth but below top-tier European insurers on reimbursement flexibility and wellness extras, excelling locally on clarity, value, and accessible lifetime cover options. This insurer suits owners of young to middle-aged dogs and cats seeking robust core cover, particularly first-time buyers, those managing specific budgets, and owners of pedigree breeds needing ongoing illness protection. Part of Blue Insurance, Petinsure.ie benefits from a strong market reputation: its Trustpilot score is 4.3/5 from 1,554 reviews with responsive customer service, claim handling times averaging a few weeks, and consistent, reliable reimbursement observed.
- ✅Three clear policy tiers: 12-month and lifetime options
- ✅High annual vet fee limits (up to €4,000)
- ✅Strong third-party liability cover (€250,000) for dogs
- ✅Lifetime illness/injury cover with Premier Plus
- ✅Comprehensive travel/boarding options (Premier/Premier Plus)
- ✅24/7 vet helpline for policyholders
- ✅Highly rated: 4.3/5 from over 1,500 Trustpilot reviews
- ❌No wellness/routine care reimbursement
- ❌Strict exclusion of pre-existing conditions
- ❌Increased excess (15%) from age 5 onwards
- ❌No cover for older pets at policy start (8+ years)
- ❌Some claims process delays reported
- ✅Three clear policy tiers: 12-month and lifetime options
- ✅High annual vet fee limits (up to €4,000)
- ✅Strong third-party liability cover (€250,000) for dogs
- ✅Lifetime illness/injury cover with Premier Plus
- ✅Comprehensive travel/boarding options (Premier/Premier Plus)
- ✅24/7 vet helpline for policyholders
- ✅Highly rated: 4.3/5 from over 1,500 Trustpilot reviews
- Petinsure.ie Guarantees
- Petinsure.ie Exclusions
- Petinsure.ie Prices
- Assistance from Petinsure.ie
- Customer Reviews of Petinsure.ie
- How to Contact Petinsure.ie
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the Irish market every year to provide you with a trustworthy and unbiased analysis. Thanks to this thorough process, thousands of users across Ireland trust us each month to help guide their most significant financial decisions.
Petinsure.ie Guarantees
Petinsure.ie distinguishes itself in the Irish market with three structured plans—Essential (entry-level, 12-month cover), Premier (mid-tier, 12-month cover), and Premier Plus (lifetime cover)—that all offer reimbursement for both accidents and illnesses, with competitive annual limits and a strong third party liability section.
Premier and Premier Plus tiers significantly increase the annual vet fee limit (€4,000), add complementary treatments, advertising/reward, accidental death, and higher caps for theft, emergency boarding, and holiday cancellation, while the Premier Plus plan is unique for its renewal-based ongoing cover for chronic conditions.
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All tiers require a fixed excess per condition per period, with a 15% percentage excess for pets aged 5 and older, but no plan includes a routine wellness package and dental procedures are only covered if annual dental checks and follow-up are up to date.
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The absence of built-in preventive care and notable sub-limits on specialty treatments mean Petinsure.ie is less complete than some European rivals, but its lifetime option, robust overseas add-ons, and round-the-clock vet helpline make it a standout in Ireland.
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Main weaknesses include strict pre-existing condition exclusions, lack of full coverage for wellness/prevention, and detailed documentation requirements for claims.
Compare the three Petinsure.ie plans side by side to find the best protection and value for your pet’s needs.
| Name of coverage | Essential | Premier | Premier Plus |
|---|---|---|---|
| Plan positioning | Entry-level 12-month | Enhanced 12-month | Lifetime, highest benefit |
| Type of coverage | Accident & illness | Accident & illness | Accident & illness |
| Animals covered | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | N.C. | N.C. | N.C. |
| Annual reimbursement limit | €1,500 | €4,000 | €4,000 (per year, renewable) |
| Deductible (annual or per claim) | Fixed per condition, per period (see cert., e.g., €125); +15% if 5+ yrs | Fixed per condition, per period (see cert., e.g., €125); +15% if 5+ yrs | Fixed per condition, per period (see cert., e.g., €125); +15% if 5+ yrs |
| Age limits for enrollment (for dogs and cats) | 8 weeks–<8 years at start | 8 weeks–<8 years at start | 8 weeks–<8 years at start |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting period (illness) | 14 days | 14 days | 14 days |
| Waiting period (accident) | 48 hours | 48 hours | 48 hours |
| Lifetime coverage once subscribed | ❌ | ❌ | ✅ (with continued renewal) |
| Vet consultations (regular + emergency) | ✅ | ✅ | ✅ |
| Medications | ✅ | ✅ | ✅ |
| Hospitalization | ✅ | ✅ | ✅ |
| Surgery (including anesthesia) | ✅ | ✅ | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ | ✅ | ✅ |
| Dental care (includes scaling and procedures) | Only if annual dental check and vet-recommended treatment | Same as Essential | Same as Essential |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ | ❌ | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ | ✅ up to €250 per year (within vet fee) | ✅ up to €250 per year (within vet fee) |
| Travel coverage (countries included, duration) | ❌ (no add-on option) | Optional add-on for EU, limits apply | Optional add-on for EU, limits apply |
| Civil liability | ✅ dogs: up to €250,000/year | ✅ dogs: up to €250,000/year | ✅ dogs: up to €250,000/year |
| Euthanasia | Only humane destruction (no cremation/disposal) | Only humane destruction (no cremation/disposal) | Only humane destruction (no cremation/disposal) |
| Death & cremation coverage | ❌ | Accidental death €500/year; no cremation | Accidental death €1,000/year; no cremation |
| Theft or loss of pet + search expenses | ❌ | Theft/straying €500/year; Advertising/reward €500/year (€200 limit for reward) | Theft/straying €1,000/year; Advertising/reward €1,000/year (€200 limit for reward) |
| Boarding fees (if owner is hospitalized) | ❌ | Up to €500/year | Up to €1,000/year |
Dental and Complementary Treatment Coverage
Dental treatments only covered with proof of annual dental check and completed follow-up treatments.
Complementary/alternative treatment is covered only under Premier and Premier Plus, up to €250/year and must be vet-referred.
Petinsure.ie Exclusions
Exclusions under Petinsure.ie policies are comprehensive and mainly standard for the Irish market, including pre-existing medical conditions, waiting periods, elective procedures, and aggressive or restricted breeds.
Dental coverage is provided only when annual checks and follow-up are kept up-to-date, and routine or preventive care is explicitly excluded across all plans.
A notable restriction unique to Petinsure.ie is the ineligibility of pets 8 years and older at enrolment, and only humane euthanasia—not cremation or disposal—is covered.
Claims for illness or injury occurring outside the covered territories (without the EU/travel add-on) and any incidents arising from incomplete vaccination or documentation are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions • Waiting periods (14 days for illness, 48hrs for accident) • Routine, preventive, elective treatments • Dental only if annual check and follow-up done • Behavioural problems and certain complementary therapies (unless vet-referred and within sub-limits) • Obesity and special diets (except for initial 4 weeks after diagnosis) • Organ transplants, prosthetics, stem cell/gene therapy • Breeding, pregnancy, or birth-related costs |
| Age/breed restrictions | • Pets less than 8 weeks or 8+ years at policy inception • Aggressive or specified dangerous/restricted breeds • Commercial breeding/racing/security/working animals |
| Documentation/claims | • Missing/insufficient receipts or clinical records • Claims for unvaccinated pets for preventable diseases • Expenses above policy section limits • Any claim without evidence or prescribed by a non-registered vet |
| Geographic exclusions | • Treatment or events outside Republic of Ireland/Northern Ireland • Further territories only covered with optional EU/travel add-on |
| Specific procedural | • Euthanasia only if to alleviate suffering; cremation/disposal not covered • House calls, non-essential hospitalisation, transport unless as emergency per vet |
| Liability exclusions | • Incidents involving members of insured’s household • Incidents at workplace or during business use • Pollution unless accidental • Notifiable diseases, war, terrorism |
| Other exclusions | • Malicious acts, negligence by owner/household/agents • Equipment (cages, harnesses, carts, beds, etc.) • Unlicensed kennels for boarding claim • Policy lapses or unpaid premium |
• Waiting periods (14 days for illness, 48hrs for accident)
• Routine, preventive, elective treatments
• Dental only if annual check and follow-up done
• Behavioural problems and certain complementary therapies (unless vet-referred and within sub-limits)
• Obesity and special diets (except for initial 4 weeks after diagnosis)
• Organ transplants, prosthetics, stem cell/gene therapy
• Breeding, pregnancy, or birth-related costs
• Aggressive or specified dangerous/restricted breeds
• Commercial breeding/racing/security/working animals
• Claims for unvaccinated pets for preventable diseases
• Expenses above policy section limits
• Any claim without evidence or prescribed by a non-registered vet
• Further territories only covered with optional EU/travel add-on
• House calls, non-essential hospitalisation, transport unless as emergency per vet
• Incidents at workplace or during business use
• Pollution unless accidental
• Notifiable diseases, war, terrorism
• Equipment (cages, harnesses, carts, beds, etc.)
• Unlicensed kennels for boarding claim
• Policy lapses or unpaid premium
Petinsure.ie Prices
Petinsure.ie positions itself as a competitive and accessible provider in the Irish market, with cover options that balance premium pricing with a range of benefits.
The digital-first approach and streamlined online operations typically result in lower administrative costs, which are passed on to customers as competitive premiums compared to traditional insurers.
The Essential plan is affordable but comes with lower coverage limits and fewer benefits, while the Premier and Premier Plus policies offer higher annual limits and enhanced features—at marginally higher but still moderate prices.
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The lifetime coverage option, Premier Plus, is notable among direct competitors, providing long-term value for owners with pets likely to develop chronic conditions.
Overall, Petinsure.ie is best described as mid-range, offering solid value and a good range of cover without being either budget or premium-priced for most customer profiles.
Compare plans and find the best price for your pet’s needs with the table below.
| Essential 12M | Premier 12M | Premier Plus Lifetime | |
|---|---|---|---|
| Young cat (2–4 years) | €10/month | €16/month | €19/month |
| Senior cat (7–8 years) | €18/month | €25/month | €31/month |
| Small breed dog | €13/month | €21/month | €26/month |
| Small breed dog (2–4 years) | €13/month | €21/month | €26/month |
| Large breed dog (2–4 years) | €18/month | €27/month | €33/month |
| Senior dog (7–8 years) | €29/month | €36/month | €47/month |
Petinsure.ie Promo Codes
| Petinsure.ie 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.
Petinsure.ie: Understanding Your Reimbursement
With Petinsure.ie’s Premier Plus Lifetime plan, you benefit from a generous annual limit and ongoing coverage, making your pet’s healthcare costs predictable and manageable. Here are clear examples to show how your reimbursements are calculated.
Gastroenteritis Consultation and Treatment Example
Total vet costs: €200 (consultation, bloodwork, and medication)
Deductible amount to subtract: €125 (applies once per condition per policy year)
Amount eligible for reimbursement: €200 – €125 = €75
Reimbursement rate (after deductible) on Premier Plus: 85% of €75 = €63.75
👉 You receive €63.75, and your remaining out-of-pocket for this visit is €136.25.
ℹ️ If it's your pet's first claim this policy year for this condition, the deductible applies. For future claims for the same illness within the year, only the 15% co-payment will apply until the coverage limit is reached.
Cruciate ligament surgery
Total vet costs: €2,400 (surgery plus aftercare)
Deductible already used this year for this condition
Reimbursement at 85%: €2,400 × 85% = €2,040
👉 You receive €2,040, your out-of-pocket cost is €360.
ℹ️ All amounts are deducted from your annual €4,000 cover limit, which resets each renewal. If your pet is aged 5 or older, a 15% co-payment applies after the deductible.
Complementary acupuncture sessions (for pain management)
Total vet costs: €250 (vet-recommended, certified therapy)
Deductible is not applied (if already used on another claim in this policy year for the same condition)
Reimbursement at 85%: €250 × 85% = €212.50
👉 You receive €212.50, your out-of-pocket cost is €37.50.
ℹ️ Complementary treatments are covered up to €250 per year under the Premier Plus plan, but must be prescribed by a vet and performed by a certified practitioner.
Assistance from Petinsure.ie
Petinsure.ie’s assistance for policyholders is limited, with no advance payment facility—owners must settle vet costs upfront and claim reimbursement after treatment. There is no dedicated mobile app, which means digital management is only possible through the online account portal; this might be a drawback for users who prefer app-based claim tracking. On the positive side, 24/7 access to a qualified vet helpline provides valuable support for general medical questions but does not replace emergency teleconsultation or on-call veterinary intervention. There is no formal network of veterinary partners, so policyholders are free to choose their own vet, but this can also mean less coordinated care or lack of exclusive discounts. Abroad, insured pets have limited coverage, available only if the optional add-on is purchased, and solely for trips within the EU, UK or Northern Ireland for up to three months—extended or global protection is absent.
| Assistance Petinsure.ie | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service. You must pay vets directly and claim back later. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ❌ | No mobile app available. Management via website portal only. N.C. on user rating. |
| Paperless claims process | ✅ | Claims can be managed online through an account portal; paperless submission is possible. |
| Emergency vet service | ❌ | No teleconsultation, but a 24/7 vet helpline is available for general advice. |
| Vet/clinic partner network | ❌ | No formal network; you are free to choose any registered vet. |
| Coverage abroad | ✅ | Cover applies in IE; optional add-on for EU/UK/NI trips up to 3 months per trip. |
Customer Reviews of Petinsure.ie
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.3 out of 5 stars (1,554 reviews) |
We analyzed reviews from the site listed above. On the positive side, customers who subscribed to Petinsure.ie for their pets often mention:
- An easy-to-use website and straightforward subscription process.
- Good value for money and a broad range of cover options are frequently highlighted.
- Many policyholders are satisfied with the helpfulness and professionalism of customer service agents.
- Prompt responses to complaints or issues raised by customers.
On the negative side:
- Some policyholders report delays or complexity during the claims process.
- Several reviews mention claims being denied and requests for extensive documentation.
- There are occasional concerns about difficulty reaching a resolution for disputed claims.
- A few users feel that waiting periods and certain exclusions limit the usefulness of the policy for their needs.
How to Contact Petinsure.ie
| Petinsure.ie 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 completed claim form and supporting documents (vet receipts, medical records) by email to [email protected] or by post to: PetInsurance.ie Claims, 10B Beckett Way, Parkwest Business Park, Nango Road, Dublin 12, D12 W702. For questions or tracking, call 0818286454. Reimbursements are usually made by bank transfer; average processing time may vary depending on documentation completeness. |
| To obtain a certificate of insurance | Email [email protected] or call 0818286454 to request your certificate. The document can be sent by email or post upon request. |
| To contact assistance | For 24/7 vet medical advice, call the vet helpline on 014854463. |
| To cancel my policy | Email [email protected] with your policy details and reason for cancellation. You may also call 0818286454 or write to Suite 11, Fifth Floor, No. 2 Stemple Exchange, Blanchardstown Corporate Park, D15 E4FN, Dublin, Ireland. Include supporting documents if applicable. A notice period may apply, and confirmation of cancellation will be provided once processed. |
For questions or tracking, call 0818286454.
Reimbursements are usually made by bank transfer; average processing time may vary depending on documentation completeness.
The document can be sent by email or post upon request.
You may also call 0818286454 or write to Suite 11, Fifth Floor, No. 2 Stemple Exchange, Blanchardstown Corporate Park, D15 E4FN, Dublin, Ireland.
Include supporting documents if applicable.
A notice period may apply, and confirmation of cancellation will be provided once processed.
FAQ
Do I have to pay upfront for veterinary fees with Petinsure.ie?
Yes, you must generally pay the vet directly for any treatment at the time of the visit. Petinsure.ie does not operate an advance payment or direct payment system with vets, so you claim a reimbursement afterwards. After treatment, you submit your claim and supporting documents to receive payment back from the insurer. Payment is made by bank transfer once your claim is approved.
How do I cancel my pet insurance policy with Petinsure.ie?
To cancel your policy, email [email protected] or call 0818286454, providing your policy number and a written request to cancel. Typically, a 14-day notice period applies. You may need to provide your policy documents or identification if requested. Once processed, you will receive confirmation by email or post.
What is covered under the Essential, Premier, and Premier Plus policies?
The Essential policy covers accidental injuries only, with a limit of €1,500 per year per condition. Premier includes both accidents and illnesses up to €4,000 per year per condition, as well as some complementary treatments and additional benefits such as boarding and theft. Premier Plus offers lifetime cover for ongoing conditions, with benefits resetting annually, giving more comprehensive protection for chronic issues.
Are pre-existing conditions covered by Petinsure.ie?
No, pre-existing conditions are excluded on all policies. This means any illness, injury, or symptom that occurred before your policy started, or within the initial waiting period (48 hours for accidents and 14 days for illnesses), will not be covered by Petinsure.ie.
Can I use my Petinsure.ie policy if I travel with my pet?
Overseas cover is available as an optional add-on with Premier and Premier Plus plans. This extension covers vet fees, quarantine costs, repatriation, and loss of pet passport for trips within the EU, with specified limits per benefit. Cover must be selected at the start of your policy and referenced on your Validation Certificate. Standard cover applies only within Ireland unless you have purchased this overseas extension.
Do I have to pay upfront for veterinary fees with Petinsure.ie?
Yes, you must generally pay the vet directly for any treatment at the time of the visit. Petinsure.ie does not operate an advance payment or direct payment system with vets, so you claim a reimbursement afterwards. After treatment, you submit your claim and supporting documents to receive payment back from the insurer. Payment is made by bank transfer once your claim is approved.
How do I cancel my pet insurance policy with Petinsure.ie?
To cancel your policy, email [email protected] or call 0818286454, providing your policy number and a written request to cancel. Typically, a 14-day notice period applies. You may need to provide your policy documents or identification if requested. Once processed, you will receive confirmation by email or post.
What is covered under the Essential, Premier, and Premier Plus policies?
The Essential policy covers accidental injuries only, with a limit of €1,500 per year per condition. Premier includes both accidents and illnesses up to €4,000 per year per condition, as well as some complementary treatments and additional benefits such as boarding and theft. Premier Plus offers lifetime cover for ongoing conditions, with benefits resetting annually, giving more comprehensive protection for chronic issues.
Are pre-existing conditions covered by Petinsure.ie?
No, pre-existing conditions are excluded on all policies. This means any illness, injury, or symptom that occurred before your policy started, or within the initial waiting period (48 hours for accidents and 14 days for illnesses), will not be covered by Petinsure.ie.
Can I use my Petinsure.ie policy if I travel with my pet?
Overseas cover is available as an optional add-on with Premier and Premier Plus plans. This extension covers vet fees, quarantine costs, repatriation, and loss of pet passport for trips within the EU, with specified limits per benefit. Cover must be selected at the start of your policy and referenced on your Validation Certificate. Standard cover applies only within Ireland unless you have purchased this overseas extension.
