Get your pets
protected

Why should you get pet insurance?

Every pet owner knows the fun you can have with a four-legged friend. But it’s easy to forget about the illnesses and injuries that might affect them – or not think about the veterinary care they might need until it's too late.

Petplan has over 40 years experience caring for pets, and our team has seen first-hand how complex animal health can be. We also know that insurance can help make sure your animal stays safe and well.

Did you know that more than half of pet owners have had to make an unexpected trip to the vet? You might think that if your pet isn’t the active type you don’t need insurance – but getting ill is actually much more common than getting injured.

Just like us, pets are susceptible to anything from skin conditions to contracting an auto-immune disease, and everything in between. They need the same level of care as we do, whether that’s an X-ray, an MRI scan, or even chemotherapy to help diagnose and treat their health problems.

Some pet insurance policies have restrictions which can limit the options at your vet’s disposal or result in you having to find money out of your own pocket to fund treatment not covered by your policy. Other policies exclude things like dental treatment or may increase your premium if you make a claim.

step 2

90% of all the claims we receive are for illnesses rather than injuries

step 4

Our policies are designed to pay out when your pet needs it

step 1

Our Covered For Life® plans allow you to claim year after year, so if your pet has a long-term condition you can continue to get them the best care

ginger cat on the floor

Sadly, some of our animals get illnesses that don’t go away. Developing a condition such as diabetes, epilepsy or allergies might see your companion facing ongoing treatment for many years. Diagnosing these types of conditions can often involve tests such as scans and X-rays which some insurance policies may not cover the full cost of. Other policies have limits on the amount they will pay out for each individual condition – a particular issue if your pet needs treatment for the same illness for many years.

The good news is that our Covered For Life® plans will cover long-term conditions as well as diagnostic treatment, to ensure your pet gets the best care year after year.

Many owners think that taking out pet insurance is just about covering the cost of veterinary care. While that is important, a good policy will also cover you for some of the other unexpected costs of being a pet owner.

Depending on the plan you choose, Petplan can help you cover the cost of:

  • Advertising and providing a reward if your pet goes missing or is stolen.
  • Accommodation fees if your pet is lost or stolen abroad and you need to stay there to look for them.
  • Legal fees if your dog damages someone else’s property and you are legally liable.
  • Cattery or kennel fees if you have to go into hospital.

With Petplan you’ll also get the benefit of our 40 years experience protecting the nation's pets. During this time we've worked closely with leading pet health experts so we can offer you the best possible pet insurance and pet advice you can trust.

When shopping around for pet insurance it is important to do your research and look beyond the headlines. There are a number of different types of pet insurance and the range of veterinary bills covered varies greatly:

Lifetime: Covers veterinary bills for life (as long as you renew each year) as your chosen level of cover re-freshes each time you renew your policy.

Time-limited: Covers veterinary bills up to a specified amount for a limited time.

Accident-only: Covers veterinary bills for unexpected injuries.

Maximum benefit: Covers veterinary bills for each new medical condition up to a certain amount for the length of the policy.

At Petplan we offer two of these policy types, Covered For Life® which is a life time policy and Time-limited  

Covered For Life®

• Covers your pet for illness or injury year after year so you can continue to claim for a condition as long as your pet needs treatment, provided you renew your policy without a break in cover.

• We’ll pay up to £4,000, £7,000 or £12,000 in vet fees each year depending on the level of cover you choose.

Time Limited

• Covers new illnesses or injuries for 12 months, after which the condition becomes excluded from the policy and you will need to cover any further costs yourself.

• We’ll cover up to £3,000 in vet fees for 12 months from when your pet starts treatment.

When you’re choosing pet insurance, it’s important to pick a policy that’s tailored to your pet’s specific needs. Here are some key things to consider:

Getting the best care for your best friend

We pride ourselves on the quality of cover we provide and are committed to helping our customers get their pets the best possible veterinary care. Not covered with us yet? Get a quote to see how we could help.

Frequently Asked Questions

Why choose Petplan?

Petplan has been around for more than 40 years and currently insures 1.3 million pets. That’s more than any other provider. Our years of experience mean we cover a wide range of injuries and illnesses – and we pay out on 97% of claims we receive. We also want to help owners get their pets the best care. We cover things other policies don’t and we don’t penalize customers for claiming.

We are highly rated on Trustpilot, and over 90% of our customers renew with us each year.

How much does pet insurance cost?

Pet insurance policies are as unique as pets themselves. At Petplan, we calculate your premium based on factors such as your pet’s age and breed, and where you live.

What you pay will also depend on which policy you choose. We have a range of options to suit different needs. When picking a plan, you need to look at the cover provided as well as the price.

How does age affect pet insurance?

You can insure a cat, dog or rabbit from the time it is six weeks old.

If you want to take out our Covered For LifeⓇ policy, you need to do so before your pet reaches a certain age. This is ten years for cats, eight years old for most breeds of dogs (for certain breeds this can be up to five years old) and five years old for rabbits.

Don’t worry if your pet is older than this though, you can still take out our Petplan Essential policy, which has no upper age limit.

Are pre-existing conditions covered?

We know that pet health is complex. For this reason we underwrite all policies at the start of cover and will confirm whether any pre-existing conditions your pet has will be covered by your policy or not. You may have seen specific pre-existing condition policies being offered by other insurers, but it’s worth checking the cover provided because in some instances you would actually have more cover for a pre-existing condition on your standard policy.

When you take out a policy with us, you must tell us about any previous or existing conditions, illnesses or injuries, and we will then confirm whether we can provide cover for these on a case-by-case basis. We may tell you that we can only insure a condition when your pet has been free from it for a certain amount of time, for example.

We will be transparent about what is and isn’t covered, and will include this information in your Certificate of Insurance and terms and conditions.

Find out more

How do vaccinations affect pet insurance?

You must keep your pet’s vaccinations up to date for the duration of your Petplan insurance. If you choose not to vaccinate, you will not be covered for conditions that your pet should have been vaccinated against.

Dogs must get injections from the vet to protect against distemper, hepatitis, leptospirosis and parvovirus. This usually means a first course of vaccinations at 8 to 10 weeks of age, followed by a booster every year.

Cats must be vaccinated against feline infectious enteritis, feline leukemia and cat flu. Again, this normally starts with a course of two injections at 9 and 12 weeks of age, followed by an annual booster.

See all FAQs

Explore our policies

We also offer a multi-pet discount if you have more than one furry friend



Get a quote