How much does pet insurance cost?

The cost of pet insurance depends on many different factors, but with our range of pet insurance policies, there should be one that suits you just right.

Where you live, what kind of pet you own, their age, breed and the level of cover you need all have an impact on the cost of pet insurance. Because each and every pet is unique, there’s no one-size-fits-all price to insure your pet, so it’s important to find out which policy is right for you and your new best friend.

The price of your premium

We know how much you love your pet, so we want you to prioritise their healthcare. If your dog, cat or rabbit is injured or ill, you can make a claim without worrying about your premium costing more. We don’t directly increase premiums for claims – and it’s why we don’t offer no-claims discounts. However, your pet’s age, increasing vet costs and advancements in veterinary medicine can all affect the premium you pay. This means your premium will increase over the lifetime of your policy.

Our premiums are carefully calculated for each individual pet based on location, age, breed and size – why not get a quote from us today?

Our insurance policies

We offer three different levels of pet insurance – Petplan Essential, Covered For Life® Classic and Covered For Life® Ultimate

Our Covered For Life® policies are for dog, cat and rabbit owners who want peace of mind that their pet will be insured if she or he develops a long-term illness in the future or needs extensive ongoing treatment from a vet. As long as you renew your policy each year without a break, we’ll provide cover for any new illness from the moment your policy starts until your pet’s old age as long as they are still on cover.

But lifetime pet insurance isn’t for everyone. If your pet is older (that means more than 10 years old for a cat, 8 years for most dogs) and you just want help with the immediate cost of treatment then our Petplan Essential policy could suit you better. Essential covers treatment for each illness or injury for up to 12 months from when the condition was first noticed.

Read more about different types of insurance available

What isn’t covered?

There are some exclusions that we don’t cover under any of our plans. These include:

  • Pre-existing conditions. If your pet has an injury or illness before their cover starts, we regrettably can’t cover you for this.
  • An illness that starts in the first 14 days after your policy starts. This only applies in your first policy year and doesn’t apply in future years as long as you renew your policy with us.
  • Any illness or injury that lasts for longer or costs more than we’ve said we’ll pay for in your policy.
  • Putting your pet to sleep and having him or her cremated or buried.
  • Charges you might face for supplying supporting documents or claim forms.

Find out more about our exclusions here

Renewing your policy

Whether you’ve chosen one of our Covered For Life® policies or Petplan Essential, your policy will last for 12 months as long as you continue to pay your insurance premium. If you’ve paid for your pet insurance in one go by credit or debit card, you’ll need to contact us to renew your policy for continuous cover. We’ll get in touch with you in plenty of time to let you know if anything’s changed and to remind you to renew.

If you pay your premium by direct debit, we’ll automatically renew your cover at the end of your policy year. So, if you don’t want to renew, you just need to let us know before that date.

Excess and much do you need to pay?

The excess is the amount you pay towards the cost of treating each illness or injury during the period of cover (i.e. the policy year or up to the maximum benefit), which is not related to any other illness or injury treated during the same period of cover.

How much excess you pay for a claim depends on the level of cover you have and the benefit you’ve claimed for. Excesses are also variable by breed and the age of your pet. For most pets you will pay a fixed excess but as your pet gets older you may have to pay a percentage of the amount claimed in addition. We work hard to keep your insurance affordable as your pet gets older and this helps us to do this. The age at which this percentage excess applies varies depending on the breed of your pet and the insurance plan you have selected.


If you’re lucky enough to have more than one pet in your life, you can insure them all for less with multi-pet insurance. It doesn’t matter whether they’re a dog, cat or rabbit: for each animal you’ll receive a £12 discount per pet on your premium for as long as you insure multiple pets with us.

For example, if you have a single dog insurance policy, single cat insurance policy and single rabbit insurance policy, you’ll save £36 a year on your insurance.

If you buy your insurance through the Petplan website, you will get at least 10% off online. This is automatically deducted from the premium given and this discount is applicable for the first year only.

Why cheap pet insurance isn’t always worth it

It might be tempting to go with a cheap pet insurance plan, but sometimes these will only cover accidents not illnesses so just make sure to check what is covered in the policy. More restrictive policies such as Accident only will only cover accidents not illnesses, which, according to our statistics, are less likely to be claimed for. Others will limit what you can claim for with very restrictive Terms and Conditions even within a lifetime policy. With our award-winning pet insurance, we’ll make sure that your pet has the cover they need to live a long and healthy life, without you worrying about the vet bills – leaving you both with more time for walks, games and cuddles.

All our policies are subject to terms and conditions, so please read these carefully to understand what you are covered for.

Every pet deserves Petplan

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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