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Why should you get pet insurance?


From picking their first collar to watching them play with a favourite toy, getting your new pet is an amazing adventure. It can be easy to forget about pet insurance in all the excitement. So why is it so important and how do you know where to start?


Pet insurance can often be the last thing on your mind when you bring home a new pet for the first time but accidents and illnesses are all too common. Pet insurance is there to cover you if something unexpected happens so you can be sure your pet gets the right treatment without you worrying about the cost. Our claims figures show that more people claim against their pet insurance policy than on their household or car insurance. This goes to show how essential it is to make sure you get the best pet insurance possible by doing your research and reading the Terms and Conditions so you know what your pet is covered for.

Avoid those unexpected vet bills

Has your dog suddenly broken out with a skin allergy? Cat been in a fight? Pets are full of surprises – in fact over half of pet owners have had to make an unforeseen visit to a vet. This can be due to anything from an unexpected accident to an age-related illness. A surprise vet trip can be expensive, but Petplan’s pet insurance can help you with those unavoidable mishaps – and you’ll have pet insurance that can pay the vet direct.

Our pet insurance policies will cover vet costs from £3,000 per condition to £12,000 per year depending on the type of plan you choose. The excess you’ll be asked to pay for an injury or other issues, such as arthritis, can vary depending on your policy and age of your pet, as well as if you’re claiming for veterinary fees or complementary treatment. If your dog ends up doing some damage to something (such as gnawing through your neighbour’s fence), third-party insurance could cover legal costs and expenses up to £3 million, depending on your plan.

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Protect against ongoing conditions

Your pet can have an accident or become ill at any age and some illnesses like arthritis or diabetes will need continuing care and medication. Like most pet insurers, we don’t cover you for pre-existing conditions, but our Covered For Life® policy provides ongoing cover for any new illnesses your dog, cat or rabbit gets in his or her life – even long-term, chronic or reoccurring illnesses.

Spread the cost

Because we know how expensive owning a pet responsibly can be, we want to help you avoid any unexpected costs. You can choose to pay for your pet insurance in one yearly instalment or spread the payments across the year, paying by direct debit. Paying monthly can make it more manageable financially and take the stress out of finding the money for a lump sum.

Know your breed

Certain breeds are more at risk of developing specific problems than others. Your heart might melt at the sight of a Pug or Persian cat but it’s important to find out what your beloved pet will be prone to with our breed information. Once you know the types of illnesses your particular pet is more likely to be prone to, it’s easier to choose the level of pet insurance cover you might need.

Peace of mind, if the unexpected happens

It can be difficult to estimate the cost of vet bills if something unexpected happens, particularly as your pet ages and illnesses become more common. Doing your research and choosing the best pet insurance for your pet in advance will take the stress out of unexpected health issues.

Paying for issues as they arise without insurance (known as self-insuring) might be tempting as you won’t have any monthly or yearly payments to make, but you never know when something might happen. A sudden accident or discovery of a chronic illness could come as a big shock to you emotionally and financially.

With a Petplan pet insurance policy, you can be confident your pet is protected if something unexpected happens. Get a quote to see how we got our Feefo five-star Trusted Service Award.

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All our policies are subject to terms and conditions, so please read these carefully to understand what you are covered for.


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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