Covered for Life® Dog Insurance

What is Covered for Life®?

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.

Arrow right

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

Arrow right

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?

Medicine Prescription medications
Cancer Cancer treatments
Dental Dental
Surgery Surgery & rehabilitation
Scans Scans
Illnesses Illnesses

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

  • Some 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

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® Plans

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.

Covered for life®
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 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 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?

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

The stress of my young dog having a significant operation has been minimised hugely by the support I have had from Petplan and by the way they have managed my claim. I would wholeheartedly recommend them to anyone.

Suzanne's story

August 2021

Read all reviews

Suzanne's story

August 2021

Read all reviews

Frequently Asked Questions

Dog Advice

Here you'll find our top tips and inspiring stories to support you and your pet every step of the way.

Dog handshake
Dog Advice

Our community of pet experts and fellow owners are here to support you and your dog with advice about health, behaviour, nutrition and more.

Get dog advice
Puppy terrier
Get training advice

Our puppy training tips and videos will help guide you when you bring home your new furry friend.

Get pet advice
Beagle profile
Dog Breed Info

Find out more about dog breeds, common health conditions and temperaments.

Read More