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With a Covered For Life® policy, if your cat 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.
You can claim each year for any new and ongoing conditions up to the vet fees limit that you choose.
The vet fees are then refreshed at the start of each new policy year regardless of the claims you have made.
If your cat developed an ongoing condition such as diabetes:
Cancer treatments
Dental
Surgery & rehabilitation
Prescription medications
Scans
Illnesses
When choosing insurance for your cat, making sure that you have comprehensive veterinary fees cover is vital - 98% of the claims we receive are for veterinary fees. However, not all cat 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 cat is covered for.
At Petplan we cover a wide range of veterinary treatments for cats, these include but are not limited to:
All our policies are subject to Terms and Conditions, so please read this carefully to understand what you are covered for.
Although Vet Fees is an important part of your plan, we have other important benefits included in all our options. We offer three cover levels for Covered For Life®: Classic, Classic+ and Ultimate.
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Product type
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Product typeUltimate
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Product typeClassic+
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Product typeClassic
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Product type Essential
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Vet cost up to
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Vet costs up to £12,000 per year
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Vet costs up to £7,000 per year
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Vet costs up to £4,000 per year
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Vet costs up to £3,000 per condition for 12 months
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Complementary treatment
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Complementary treatment £2,000 per year
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Complementary treatment £1,000 per year
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Complementary treatment £500 per condition for 12 months
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Your policy will have fixed excesses that vary depending on factors such as the type of cat 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 cat 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 cats. For Covered For Life® plans this is usually added at the cats 10th birthday. 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 cat insurance will cost, such as your cat’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 Time Limited cat insurance.
No hidden vet fee limits
Choose your preferred vet
No penalty for claiming
Customer support and bereavement Line
Each year Petplan Charitable Trust gives over £800k to support health and welfare of animals
Melissa Jackson’s story
February 2020
Petplan has always covered my claims for my cats heart scans and medication, without these scans I wouldn't be able to give her the best treatments and care to keep her well and happy.
Here you'll find our top tips and inspiring stories to support you and your pet every step of the way.
Our community of pet experts and fellow owners are here to support you and your cat with advice about health, behaviour, nutrition and more.
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Glossary
It doesn’t matter how old or young your beloved pet is – an accident or illness could happen at any time. That’s why it’s important to make sure you have pet insurance from the moment you take them home.
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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.
Read MoreWe'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.
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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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