Whatever happens, you’re covered

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 how to ensure they have the best care, whenever its needed.

Petplan has over 45 years of experience caring for pets, and our team has seen first-hand how complex animal health can be. We also know that insurance is the best way to make sure your animal stays safe and well.

But choosing pet insurance is not as easy as it might seem, for example what are the veterinary fee cover limits? How long will the insurance cover a behavioral condition? Will your premium go up as a result of a claim? There a number of important considerations when shopping around for pet insurance so you need to look beyond the headlines and look at the detail when thinking about what’s best for your pet’s heath.

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 the insurance – but getting ill is actually much more common than getting injured.

Just like us, pets are susceptible to anything from breaking a leg 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 within their policies 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 every time you make a claim.

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

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

Our Covered For LifeⓇ plans allow you to claim year after year, so that if your pet has a long-term condition you’ll be confident you can give 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 do not cover. Others place restrictive limits on the amount they will pay out for each individual condition – a particular issue if your pets need 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.

We know that helping your pet cope with long-term conditions is as important as dealing with short-term emergencies – so unlike some policies, Covered For LifeⓇ does not exclude chronic or long-term conditions.

Many owners think that taking out pet insurance is just about protecting their pet’s health. 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 insure you for:

Reward costs 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

Cattery or kennel fees if you have to go into hospital

Third-party liability if your dog damages someone else’s property and you are legally liable

With Petplan you’ll also get the benefit of our 45 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 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 questions to ask:

two dogs looking up

The biggest benefit? Peace of mind

There can be a lot to think about when your pet needs treatment, so don’t forget to check if your vet takes direct payments before you need to claim. If they do, you can cut any hassle and concentrate on getting your pet back on their furry feet. Not covered with us yet? Get a quote to see how we could help.

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.


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 – so we pay out on 97% of claims we receive.

We also want to help owners get their pets the best care. Unlike some cheaper providers, we don’t have hidden limits in our policies, and we promise never to raise your premium because you have made a claim.

We are highly rated on Trustpilot, and 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 what policy you choose. We have a range of options to suit different needs. When picking a plan, you need to look at what is covered and what the costs are to work out what is best for you and your pet.

How does age affect pet insurance?

You can insure a cat, dog or rabbit from the time it is six weeks old. After that, we will continue to pay claims for ongoing conditions as long as you renew each year without a break.

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 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 all animals are different, so we don’t have a one-size-fits-all policy on pre-existing conditions. You may have seen specific pre-existing conditions policies being offered by other insurers, but because of the cost of covering certain long-term illnesses these often have restrictive limits on the coverage you can receive.

We don’t think it is possible to provide comprehensive insurance for pre-existing conditions at an affordable price, so we don’t offer it.

When you take out a policy with us, you must tell us about any existing conditions, illnesses or injuries, and we will then decide 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 eight 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 nine and 12 weeks of age, followed by an annual booster.

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