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If your dog is ill or starts to show signs of an injury then we can cover that condition for up to 12 months. The maximum amount we will pay for any one condition in 12 months is £3,000.
We will pay for treatment for up to 12 months regardless of when you took out the policy, providing you continue to pay your premium.
After 12 months we can no longer pay for treatment for that condition but any new illnesses or injuries can still be claimed for.
If your dog developed an ongoing condition such as diabetes:
Prescription medications
Cancer treatments
Dental
Surgery & rehabilitation
Scans
Illnesses
When choosing insurance for your dog, making sure that you have inclusive 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:
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 policy, we have other important benefits included in all our plans.
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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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Third Party Liability
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Third Party Liability£3 millionper incident
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Third Party Liability£2 millionper incident
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Third Party Liability£1 millionper incident
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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 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
Julia Light’s story
July 2019
I have had Petplan for the life of my dog. I have never had any problems with the claims that were presented and there had been a few - Dislocated knee, cruciate ligament, stomach problems. I would recommend Petplan to anyone who wants peace of mind for their pet!
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Our community of pet experts and fellow owners are here to support you and your dog with advice about health, behaviour, nutrition and more.
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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.
Glossary
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.
Common Exclusions
If you insure more than one pet, you’ll automatically qualify for our multi-pet discount.
Learn 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.
Make a claim
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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