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Covered for Life® Dog Insurance

What is Covered for Life® Insurance?

With a Covered For Life® policy, if your dog becomes ill or injured then we can cover the treatment for the rest of their life as long as you renew your policy each year without a break in cover.

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You can claim each year for any new and ongoing conditions up to the vet fees limit that you choose.

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The vet fees are then refreshed at the start of each new policy year regardless of the claims you have made.

For Example

If your dog developed an ongoing condition such as diabetes:

  • Petplan will pay the cost of the treatment (up to the vet fees 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.
Covered for life chart
Length of cover for diabetes (years)

What’s Included in Our Vet Fee’s Cover?

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When choosing insurance for your dog, making sure that you have comprehensive veterinary fees cover is vital - 98% of the claims we receive are for veterinary fees. However, not all dog insurance offers a broad range of cover for vet fees 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 dog is covered for.

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


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

Not covered

  • 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
  • Euthanasia and cremation

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

Compare Our Covered For Life® Dog Insurance Plans

Although Vet Fees is an important part of your dog insurance plan, we have other important benefits included in all our options. We offer three cover levels for Covered For Life®: Classic, Classic+ and Ultimate.

Covered for life®
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

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 dog 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 from time to time this could change.

As your dog 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 pets. For Covered For Life® plans this is usually added at the dogs 10th birthday (7th for some breeds) But don’t worry, you will be advised of this change at least a year in advance.

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

There are a number of factors that affect how much your dog insurance will cost, such as your dog’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 will not increase your premium as a direct result of any claim you make.

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 Time Limited dog insurance.

Why Choose Petplan Dog Insurance?

No hidden limits

No hidden vet fee limits

Choose your preferred vet

Choose your preferred vet

No penalty for claiming

No penalty for claiming

Customer support and bereavement Line

Customer support and bereavement Line

Petplan Charitable Trust

Each year Petplan Charitable Trust gives over £800k to support health and welfare of animals

What our customers say about Covered For Life®

Trustpilot 5 stars

Nicola Basford’s story

July 2019

This insurance is perfect for my pet. I found filling in the details of myself and my pet very straight forward, the questions are simple to understand and no long winded forms to fill in. Great that I could choose from 3 different levels of cover to suit my budget and needs and I could choose to pay monthly or in full. I would definitely recommend Petplan.

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

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What does pet insurance cover?

While Petplan pays 97% of the claims we receive, there are some things we just can’t cover your pet for. It’s important you choose which plan suits you best so you know what you’re covered for.

Common Exclusions
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Multi pet insurance

If you insure more than one pet, you’ll automatically qualify for our multi-pet discount.

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Existing Customers

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

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.

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Request policy documents

Misplaced your policy documents? Simply fill in our online form and we’ll post a new set out to you.

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