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Types Of Pet Insurance Policy Cover



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. Luckily, we have a range of pet insurance plans to suit every rabbit, cat or dog, from lifetime pet insurance to time-limited – we even have a multi-pet insurance option available which gives you a discount if you have more than one furry friend. However, there are some types of cover, such as ‘accident only’ and ‘max benefit’, which we don’t offer, so we’ll explain a bit more about these as well.

Lifetime pet insurance

Our Covered For Life® policies offer you peace of mind that your pet is insured against illness or injury for their whole life – even for chronic, long-term illnesses.

As long as you insure your pet before a certain age, that’s 10 years of age for cats, eight years for most dogs (for select breeds of dog, we can offer lifetime cover as long as you insure before five years old) and five for rabbits. We’ll provide cover for any new illnesses or injuries they suffer from in the future. All you need to do is renew your policy each year without a break.

We offer three levels of Covered For Life® insurance:

Classic

This covers you for:

  • Vet costs up to £4,000 per policy year covering injury or illness with an excess applied for each unrelated illness or injury.
  • Complementary treatment up to £1,000 per policy year with an excess applied for each unrelated illness or injury.
  • Up to £2 million of property damage in third party liability costs for lifetime dog insurance, with a £250 excess for any claim where property has been damaged.
  • Boarding fees if you’re hospitalised up to £1,500.
  • An optional extra of up to £1,500 in the event of a pet’s death to cover the pet’s purchase price.

Classic+

Our Classic+ policy includes everything in our Classic cover, but you’ll be able to claim up to £7,000 a year in vet’s fees.

Ultimate

This covers you for:

  • Vet costs up to £12,000 per policy year for injury or illness with an excess applied for each unrelated illness or injury.
  • Complementary treatment up to £2,000 per policy year with an excess applied for each unrelated illness or injury.
  • Up to £3 million in third party liability costs for lifetime dog insurance, with a £250 excess for any claim where property has been damaged.
  • Boarding fees if you’re hospitalised up to £2,000.
  • Up to £2,000 in the event of a pet’s death to cover the pet’s purchase price.

Not all lifetime pet insurance is the same

It important to check the Terms and Conditions of the cover you are considering as some lifetime policies will include limitations within the annual veterinary fees limit. At Petplan we are proud of our comprehensive cover.

Time limited pet insurance

Covered For Life® isn’t for every pet or owner though. If you’ve just adopted an older pet, for example, and you just want to be covered for immediate treatment costs should they fall ill then Petplan Essential could suit you better.

Each policy lasts for 12 months, and covers you for the following:

  • Vet costs up to £3,000 for each illness or injury for up to 12 months with an excess applied for each unrelated illness or injury.
  • Complementary treatment up to £500 for each illness or injury for up to 12 months with the excess applied for each unrelated illness or injury.
  • Up to £1 million in third party liability costs for dog insurance, with a £250 excess of any claim where property has been damaged.
  • Boarding fees if you’re hospitalised up to £1,000.
  • An optional extra of £1,000 in the event of a pet’s death to cover the pet’s purchase price.

Accident only

Accident only pet insurance is often the cheapest type of pet insurance policy you can get as it provides a fixed sum of money for each injury as it happens. Although this could be cheap in the short term, it doesn’t cover for illness at all and there could be a financial cap on pay outs.

Pet illnesses are more common than you might think - 90% of the claims we see from our customer’s pets are for illness - so there is a real risk that accident only cover will leave you unprotected. And if your pet does develop an illness that needs ongoing treatment, you might then find it difficult to find a policy that covers pre-existing health conditions.

Maximum benefit

Maximum benefit pet insurance gives you a pre-set amount to spend on injury or illness with no time limit. If your pet develops a long-term health condition or needs ongoing treatment for an injury, for example, you can claim as many times as you need to until the maximum benefit has been reached – after this you’ll no longer be able to claim for that illness or injury even if your pet needs further treatment.

Charity contribution

We know how important it is to support the charities that work hard to rehome rescued animals. So, if you’ve adopted an abandoned cat or a retired Greyhound, for example, from one of our partnered charities, the charity can provide you with 4 weeks of free insurance cover from Petplan. We’ll give 10% of the premium from your new policy, and each year that policy is renewed towards helping find good homes for vulnerable animals.

Choosing the right plan for you

Find out more about the different cover plan’s Petplan has to offer here.

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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