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Dog Insurance Policies

We offer two types of cover to help you pay for unexpected veterinary treatment your dog needs. It’s quick and easy to set up a policy online, so why not get a quote today?

Compare our dog insurance policies

We can pay your vet directly
90% of claims are settled within 5 working days
No penalty for claiming

Covered for life®

If your pet developed a long-term illness or suffered an injury, you can claim year after year for their treatment, provided you renew your policy annually without a break in cover.

12 month cover

If your pet developed a long-term illness or suffered an injury, you can claim for their treatment for 12 months from when the problem was first noticed, but then that condition will be excluded from your policy.
Product type
Vet cost up to
£12,000 per year
£7,000 per year
£4,000 per year
£3,000 per condition for 12 months
Complementary treatment
£2,000 per year
£1,000 per year
£500 per condition for 12 months
Third Party Liability
£3 millionper incident
£2 millionper incident
£1 millionper incident
Death from illness or injury
£2,000per pet (included as standard)
£1,500per pet (optional extra)
£1,000per pet (optional extra)
Boarding fees
Missing pet advertising & reward
Loss by Theft or Straying
Holiday Cancellation
Quarantine Expenses & Loss of Documents
Emergency Repatriation
Multi-pet discount
Pet Owner Support Package
Pet Bereavement Helpline
Legal Helpline

Choose the right dog insurance policy

Not all pet insurance is the same, so finding the best policy to suit your pet and your pocket can be confusing. At Petplan, we design our policies to cover the essentials and we also provide cover for hereditary, congenital and behavioural conditions, which is reflected by our policy options: Covered For Life® and 12 month cover.


Covered for Life

What is Covered For Life® dog insurance?

There are many benefits to having pet insurance, but this is our most popular policy and is why vets choose to partner with us. Our Covered For Life® dog insurance will cover you against the ongoing costs of treating lifetime and chronic conditions.

To offer you greater flexibility, there are three different Covered For Life veterinary fee options – Classic with vet fees cover of up to £4,000 or £7,000 per year and Ultimate with up to £12,000 vet fees per year. Over 90% of our customers renew their Covered For Life® dog and puppy insurance policies each year thanks to the ongoing benefits, which are instantly refreshed at the point of renewal.

Our signature Covered For Life® policies include a number of additional benefits including increased Third Party Liability cover and complementary treatment, should your dog require specialist care such as behavioural cover or vet recommended hydrotherapy. If your dog goes missing, this plan will help cover the cost of advertising and reward for its safe return.

Click here to read the Covered For Life Policy Booklet

Time Limited

What is 12 month cover dog insurance?

Our 12 month cover policy is designed for owners of older dogs (which may not be eligible for a Covered For Life® policy) or those looking to insure their pet for just the essentials. 12 month cover dog insurance provides many valuable benefits and covers treatment over a 12-month period – with £3,000 of vet fees covered, including for behaviour-related issues, and £500 of complementary treatment.

Click here to read the Essential Policy Booklet

Is there anything not covered by pet insurance?

Common Exclusions

Hear from our customers about our Dog Insurance

  • Murphy and Sean

    Murphy is an energetic Irish Terrier who according to Sean, “likes to think he’s the boss”, but is really an absolute softy at heart. He’s a big character, leaving them howling with laughter after his cheeky antics. However, at around 10 months old he developed a cough that didn’t go away. After a visit to the vets he was diagnosed with a serious congenital lung disorder and rushed into theatre that day...


Look no further

We are pet specialists and have an unrivaled knowledge of pet health and 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.