Question 1

If my pet has been ill before, will this be covered by my insurance policy?

Accepted Answer

At Petplan, we don't believe in a "one-size-fits-all" approach to pre-existing conditions, and review every pet's needs individually. Before taking out your dog, cat or rabbit insurance you must tell us about your pet's conditions and any prior illnesses or injuries they've had. We will then decide whether we can provide cover for this condition or not. We like to be as clear as possible with our customers, therefore any exclusion from cover placed on your policy will be stated clearly on your Certificate of Insurance. Your pet's previous medical history will not affect your premium. When you take out a policy you should always check your terms and conditions in conjunction with your Certificate of Insurance to see what is and what is not covered.

Question 2

What is covered by the Pet Therapies benefit?

Accepted Answer

We provide cover for Pet Therapies in addition to our cover for Vet Bills so that you can receive help covering the cost of hydrotherapy, herbal medicine, homeopathy or acupuncture if your vet recommends these to you.

Our Essential plan provides 12 months treatment up to £500 per illness/injury for Pet Therapies.

Our Covered For Life® plan provides £2,000 every year for Pet Therapies.

Within these benefits you can claim up to £500 for hydrotherapy per illness/injury. On our Covered For Life® plan this cover refreshes each time you renew allowing to you to continue to claim for the same condition year after year providing you renew with no break in cover.

You can also claim for physiotherapy, osteopathy, chiropractic manipulation and behavioural treatment under the Vet Bills benefit.

Question 3

What dog insurance policies do you offer?

Accepted Answer

Our two types of dog insurance offer either ongoing help with vet bills or short-term help with vet bills.

Our Covered For Life® plan provides ongoing help with vet bills. You can continue to claim year after year for the same condition up to your chosen yearly limit providing you renew with no break in cover.

Our Essential plan provides short term help with vet bills. You can claim for 12 months treatment up to £3,000 for each illness/injury. Once you reach either of these limits the condition will no longer be covered.

Read more about our Dog Insurance policies here.

Question 4

Can I still purchase pet insurance if my pet has previously been ill?

Accepted Answer

If your pet has previously been ill or injured you can still purchase pet insurance. Before you take out a pet insurance policy you must inform us of any conditions, injuries and prior illnesses they've had. We will then decide if we can cover these pre-existing conditions or not. We like to be as clear as possible with our customers, and any exclusions will be clearly stated on your Certificate of Insurance and will not affect the price of your policy.

Question 5

Does Petplan offer travel insurance for pets?

Accepted Answer

Yes we do, this benefit is available as standard on all of our Covered For Life ® polices, however this does not include Legal Liability Cover abroad. For further information please refer to your Terms and Conditions or alternatively you can call our customer service centre on 0345 071 8000.

Question 6

Do you offer Legal Liability cover?

Accepted Answer

Yes, our Covered For Life® and Essential dog policies automatically include Legal Liability cover – in addition to cover for Vet Bills, Pet Therapies, Emergency Boarding and Holiday Cancellation. Our Legal Liability insurance covers dog owners for compensation, legal bills and the associated costs related to defending claims brought against them. Please do note that Legal Liability cover is not included in the 4 week cover. To find out more, visit our helpful Legal Liability Cover page.

Question 7

What does a Vet Bills claim excess mean?

Accepted Answer

The excess is the amount you need to contribute to the cost of a claim.

If you have our Essential plan your policy covers treatment costs for 12 months up to £3,000 per illness or injury. You would need to pay an excess for each illness/injury.

If you have a Covered For Life® plan you can claim up to the Vet Bills amount you chose - £4,000, £7,000 or £12,000 per year. You would need to pay an excess for each condition each policy year.

To help keep premiums affordable, as your pet gets older you will need to contribute more towards the cost of your claim. You'll pay 20% of all pet treatments on top of your fixed excess. We’ll remind you of this a year before it happens.

You can check your Vet Bills excess at any time on your Certificate of Insurance.

**You can make a claim online here. **

Question 8

What are the benefits of the Essential plan?

Accepted Answer

Our Essential plan provides short term help with vet bills. You can claim for 12 months treatment up to £3,000 for each illness/injury. Once you reach either of these limits the condition will no longer be covered.

We also provide a Covered For Life® plan which provides ongoing help with vet bills. You can continue to claim year after year for the same condition up to your chosen yearly limit providing you renew with no break in cover.

Question 9

What cat insurance policies do you offer?

Accepted Answer

Our two types of cat insurance offer either ongoing help with vet bills or short-term help with vet bills.

Our Covered For Life® plan provides ongoing help with vet bills. You can continue to claim year after year for the same condition up to your chosen yearly limit providing you renew with no break in cover.

Our Essential plan provides short term help with vet bills. You can claim for 12 months treatment up to £3,000 for each illness/injury. Once you reach either of these limits the condition will no longer be covered.

Question 10

Am I covered for the cost of telephone/video vet consulations?

Accepted Answer

Yes, we will cover these costs in the same way as we would cover a face to face vet consultation. Your Petplan policy also includes access to our free vet, behaviour and nutrition video chat service, Pet Expert Chat as standard.

Login to your MyPetplan account to access free Pet Expert chat.