Why some insurers charge customers who claim more

Like other large, active, well-muscled breeds, Staffys can be vulnerable to injuring their cruciate ligaments and since 2014 Buster has had two cruciate ligament operations, as well as treatment for a skin condition. As a result, Nicky’s insurance company had since raised her premiums to £306 per month.

Thanks to this huge hike in her premiums Nicky couldn't continue with the insurance. She is now facing covering the cost of any veterinary care Buster needs out of her own pocket: “I don’t want to leave Buster uninsured,” says Nicky, “but I can’t afford the premiums any more and I haven’t been able to find another insurer that will take Buster on with the conditions he now has.”

Nicky is not alone. As many pet owners discover too late, plenty of pet insurers offer a cheap deal and then penalise you for making a claim. Worse still, you will then find it much harder to get alternative cover elsewhere as the condition you’ve claimed for will now be classed as pre-existing.

With Petplan, we won’t penalise you for claiming. In fact, we want you to claim if your pet needs treatment. This is why we do not offer a no-claims discount. With over 45 years’ experience in pet health, we are able to price our policies based on our knowledge of the long-term needs of each pet. Your policy premium will increase as your pet gets older but what we won’t do is suddenly hike your premium simply because you’ve claimed. We believe pet ownership is a long-term commitment, and we’re here with long-term support to help you give your pet the best care possible.