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Covered For Life®
cat insurance
 

What is the Covered For Life® Plan?

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Our Covered For Life® plan provides ongoing help with vet bills. Your chosen amount of either £4k, £7k or £12k for vet bills refreshes every year.
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You can claim each year for any new and ongoing conditions up to the vet bills limit you choose.
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We can pay your vet directly so you don't have to find the money first and you won't pay more for claiming.

For example

If your cat developed an ongoing condition such as diabetes:

  • Petplan will pay the cost of the treatment (up to the vet bills limit) for diabetes every year for as long as you renew your policy without a break in cover.
  • You pay the policy excess each year and any items not covered by your policy.
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What's included in our vet bills cover?

When choosing insurance for your cat, making sure that you have comprehensive vet bills cover is vital – 98% of the claims we receive are for vet bills. However, not all cat insurance offers a broad range of cover for vet bills and there can be limits on the types of treatments you can claim for. It’s important to do your research and read the Terms and Conditions so you know what your cat is covered for.

At Petplan we cover a wide range of veterinary treatments for cats, these include but are not limited to:

  • Prescription medications
  • Cancer treatments
  • Dental
  • Illnesses
  • Scans
  • Surgery & rehabilitation
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Petplan cover details

Covered

  • Long and short term illnesses
  • Accidents
  • Veterinary consultations
  • Scans – MRI, CAT, ultrasound
  • Diagnostic treatments
  • Prescription medications
  • Cancer treatments
  • Pet therapies e.g. hydrotherapy, herbal medicine
  • Dental treatments (non-routine)
  • Referral to a specialist
  • Surgery and rehabilitation
  • Emergency care

Not covered

  • Some pre-existing conditions- illnesses and injuries or signs of them that started before your policy.
  • Any illness that starts in the first 14 days of your policy
  • Pregnancy and breeding
  • Routine treatments e.g. worming, flea treatment
  • Preventative care e.g. vaccinations
All our policies are subject to Terms and Conditions, so please read this carefully to understand what you are covered for.
Covered For Life® Terms & Conditions
Ongoing help with vet bills and a lot more

Covered for Life® Plan

Ongoing help with vet bills

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Terms, conditions and excesses apply. Cover may be provided for some pre-existing conditions.

Excess and premium costs

What will my excess be and will my excess change?

Your policy will have fixed excesses that vary depending on factors such as the type of cat you have and the type of plan you choose. To see the excess you would pay it is best to get a quote, but bear in mind this could change at your renewal.

As your cat gets older we typically add a 20% excess when you claim (in addition to the fixed excess). This helps us keep premiums affordable for older cats. For Covered For Life® plans this is usually added at the cats 10th birthday. But don’t worry, you will be advised of this change at least a year in advance.

How much does cat insurance cost? Will my premium change?

There are a number of factors that affect how much your cat insurance will cost, such as your cat’s age, breed and where you live. However, your premium is also influenced by increases in veterinary costs and advancements in veterinary medicine. These changing influences mean your premium will increase over the lifetime of your policy. However, Petplan never charge you more for claiming. You can find out more about our Claims Pricing Guarantee here.

Find out more about the costs of pet insurance and what can affect your premium.

Covered For Life® not what you are looking for?

Find out about our Essential cat insurance plan.
Essential Plan

Why Choose Petplan?

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No additional vet bill limits
Choose your preferred vet icon
Choose your preferred vet
No penalty for claiming icon
No penalty for claiming
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What our customers say

Dawn's story - August 2021
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Trustpilot
Based on 19,151 reviews.
Correct as of April 2025
Customer reviews

Frequently asked questions

Insurance is designed to cover unforeseen incidents so we don’t cover the general costs of looking after a pet such as vaccinations, spaying/neutering, worming, and flea treatments. Cover may be provided for some pre-existing conditions that occurred before the start of your policy.
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Petplan has been around for more than 45 years and currently insures 1.3 million pets. That’s more than any other provider. Our years of experience mean we cover a wide range of injuries and illnesses – and we pay out on 97% of claims we receive. We also want to help owners get their pets the best care. We cover things other policies don’t and we don’t penalize customers for claiming.

We are highly rated on Trustpilot, and over 90% of our customers renew with us each year.

Benefits of cat insurance
As accidents or illnesses can happen at any time, it’s important to be aware of the different pet insurance policies available and how they can affect you and your pet. If you wait until your pet has an accident or develops an illness, you might discover it’s hard to find pet insurance policies that cover pre-existing conditions. Find out more on when to get pet insurance and what types of cover we offer.
Learn when to get pet insurance
There are generally four main types of pet insurance available. Accident only pet insurance could be considered the cheapest but please be aware it could leave you open to vet bills if your pet develops an illness such as an allergy as 90% of our claims are for illnesses. If you’re feeling curious about other pet insurance options available, but don’t know where to start, we’ve broken them all down in an easy-to-digest way, so you can work out which type of cover is best for your pet.
Types of policies

You can insure your cat from the time they are 6 weeks old with Petplan. Insuring your pets from as young as possible will help to ensure any new conditions are covered.

With Covered For LifeⓇ you can take out a policy before your cat reaches 10 years old. If your cat is too old for our Covered For LifeⓇ policy then don’t worry, there’s no upper age limit on Time limited which provides cover for each new condition for up to 12 months.

In most cases if you're claiming for vet bills your vet can submit an eclaim on your behalf. If you check with your vet and they can’t submit an eclaim, or if you're claiming for anything else, please head to our Claims page for more information on submitting your claim.
Make a claim
Help & support
Cat advice

Cat advice

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Insurance information

We’re on hand to help with our useful insurance guides.
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Pet insurance glossary

Our insurance glossary explains the A-Z of pet insurance offering helpful explanations and useful tips from our pet experts.
Glossary
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When to get pet insurance

It doesn’t matter how old or young your beloved pet is – an accident or illness could happen at any time. That’s why it’s important to make sure you have pet insurance from the moment you take them home.
Read more
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Type of pet insurance

Every pet is individual and unique – it’s why we love them. So, your pets may need different types of cover depending on their species, breed, and age.
Read more
Existing customers

Existing customers

We'd like to make life a little easier with these self-service options
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Make a claim

At Petplan we aim to make claiming on your pet insurance stress free. That's why we settle 90% of claims within 5 working days. To make a claim, simply follow the link below.
Make a claim
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Log in to My Petplan

My Petplan is a self-service area where you can make a claim and access your policy information securely whenever you choose.
Log in to My Petplan
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Help and contact

Need to get in contact with us?
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Every pet deserves Petplan

We are pet specialists and have an unrivalled knowledge of pet health unlike many other insurers. That's why we've designed our policies to cover as many conditions as possible, and are able to pay 97% of all the claims we receive.
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Petplan is a trading name of Pet Plan Limited (Registered in England No. 1282939) and Allianz Insurance plc (Registered in England No. 84638), Registered office: 57 Ladymead, Guildford, Surrey GU1 1DB.

Pet Plan Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 311969. 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. Pet Plan Limited is a subsidiary of Allianz Insurance plc.