Time Limited
dog insurance

 

Our Essential plan provides short term help with vet bills. You can claim for 12 months treatment up to £3,000 for each illness/injury.
Once you reach either of these limits the condition will no longer be covered and you will need to fund any further treatment yourself. You can still claim for any new conditions.
We can pay your vet directly so you don't have to find the money first and you won't pay more for claiming.

If your dog developed an ongoing condition such as diabetes:

  • If you had 12 month cover for your dog starting in August, and she then developed diabetes, starting treatment in February, you can claim for her treatment for this condition until February of the following year (12 months) up to the vet bills limit of £3,000, providing you renew your policy and continue paying your premiums.
  • After this time, all cover for diabetes will stop and this condition will be excluded from your policy

When choosing insurance for your dog, making sure that you have comprehensive vet bills cover is vital – 98% of the claims we receive are for vet bills. However, not all dog 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 dog is covered for.

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

  • Prescription medications
  • Cancer treatments
  • Dental
  • Illnesses
  • Scans
  • Surgery & rehabilitation
  • 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
  • Some pre-existing conditions- illnesses and injuries or signs of them that started before your policy
  • Any treatment needed for an illness or injury for more than 12 months
  • 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.

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 this could change at your renewal.

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 Essential plans this is usually added at their 8th birthday (5th for some breeds). But don’t worry, you will be advised of this change at least a year in advance.

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.

Find out about our Covered For Life® dog insurance.
No additional vet bill limits
Choose your preferred vet
No penalty for claiming
Customer support and bereavement Line
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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.

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.

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.
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.

You can insure your dog 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 for up to 8 years old for most breeds of dogs. For certain breeds this can be up to 5 years old. If your dog 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.
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Insurance info
We’re on hand to help with our useful insurance guides.
Our insurance glossary explains the A-Z of pet insurance offering helpful explanations and useful tips from our pet experts.
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.
If you insure more than one pet, you’ll automatically qualify for our multi-pet discount.
Existing customers
We'd like to make life a little easier with these self-service options
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.
My Petplan is a self-service area where you can make a claim and access your policy information securely whenever you choose.
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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. Fitz All Media Limited is an Appointed Representative of Pet Plan Limited.