Petplan offers two types of pet insurance policies: Covered For Life® pet insurance policies and a 12-month pet insurance policy. Covered For Life® policies provide cover for ongoing illnesses such as diabetes for the duration of your pet's life as long as you renew your policy each year without a break in cover. Petplan's 12-month pet insurance product is for owners requiring a less comprehensive policy for their cat or dog. It is important to remember that under a 12-month policy each illness and injury will only be covered for either 12-months, or up to the maximum benefit, whichever is reached first. Should your dog or cat suffer from the same condition again you will not be able to claim for it.