Question 1

What is the maximum time limit for me to submit a claim?

Accepted Answer

You have 12 months from the point of the illness or injury taking place in which to submit a claim, this will be based on the start date of the treatment. Make a claim [here](https://www.petplan.co.uk/existing-customers/make-a-claim/).

Question 2

If my pet's routine preventative treatment is delayed because of COVID-19 will this affect any claims I make?

Accepted Answer

Routine preventative treatments are now more available than they have been over the last few months, so we hope this won't be an issue for you. However, if due to COVID-19 you’re not able to book your pet in for these treatments please [contact us](https://www.petplan.co.uk/help/#speak-to-us) and we'll be happy to look at your individual situation.

Question 3

What does Covered For Life® mean?

Accepted Answer

Our Covered For Life ® policies are designed for pet owners concerned about their pet developing a long-term, chronic or recurring illness. We have cat insurance, dog insurance and rabbit insurance Covered For Life ® policies. These cover conditions such as arthritis or eczema which require treatment from a vet over a long period of time, often for life. As long as the Covered For Life ® policy is renewed each policy year without a break, we will continue to provide cover for new illnesses after the policy starts right into your dog, cat or rabbit's old age. Many other dog and cat insurance policies, including one of our own, Petplan Essential, will limit the amount and/or time you can claim for each illness of injury. It is definitely worth checking the small print before you buy so that you understand the terms, conditions and any excesses that apply.

Question 4

How long can I claim for each condition for?

Accepted Answer

This depends on the policy you have selected for your pet. Our signature Covered For Life® policies refresh the veterinary fees benefit each year allowing you to claim for ongoing conditions for the life of your pet for as long as you renew your policy. Our Essential policy provides cover for each condition for 12 months from when your pet starts treatment. After the 12 months have passed, the condition will be excluded but you can still claim for new, unrelated conditions.

Question 5

What do we mean by continuous cover and why is this important?

Accepted Answer

Continuous cover means ensuring there is no break in cover between your 4 weeks free cover and the annual policy you purchase to continue your pets protection. As long as you purchase the annual policy before your free cover expires then the cover is continuous.

If you allow the free cover to end before purchasing a policy it will be underwritten as a new policy. That means that any signs of illness or injury prior to you purchasing a policy will be considered as pre-existing and are unlikely to be covered on the policy. What’s more unless you have continuous cover you will have a 14 day deferment period on your new policy, which means any illness that shows clinical signs in the first 14 days will not be covered.

As long as you purchase a policy before your free cover ends you will have continuous cover, conditions which arise during the free cover period will not be considered as pre-existing and you will have no deferment period for illness on the policy you purchase.

Question 6

If I am hospitalised with COVID-19 and have to isolate when I return home will you cover the cost of the boarding establishment for my pet until I can collect them?

Accepted Answer

Yes, where you are instructed to isolate and go straight home we will continue to cover the cost of the boarding fees for your pet until you are able to get them home (or until the max benefit has been reached).

**Make a claim [here](https://www.petplan.co.uk/existing-customers/make-a-claim/).**

Question 7

Does Petplan have a no claims discount?

Accepted Answer

As a responsible pet insurer we wouldn't do anything to discourage our customers from getting their dog, cat or rabbit treated when they are unwell or injured. This is why when you make a claim we will not increase your premiums as a result. It is for this reason that we do not have a 'no claims discount.'

Question 8

How will changing my address affect the price of my policy?

Accepted Answer

Since vet fees vary from region to region, updating your address may affect the price of your policy. Unfortunately we can’t say at this stage what the impact of your change of address will be as we regularly update our pricing to take in to consideration new trends and data. Your change of address will be reflected in the price of your policy at your next renewal. Your renewal premium will also be impacted by the age of your pet and vet fee inflation.

It’s important you keep information relating to your policy up to date. Your pet must live at the address shown on your Certificates of Insurance, which is a condition of your cover. Please let us know of a [change of address here](https://www.petplan.co.uk/existing-customers/update-your-details/).

Question 9

I have more than one pet to insure, can I get a discount?

Accepted Answer

Yes, if you have two or more pets regardless of species (i.e. dog, cat and rabbits) then you are entitled to a Multi-Pet discount. For each animal you are given £1 per pet per month discount off your premium. For example, if you have 1 dog insurance policy, 1 cat insurance policy and 1 rabbit insurance policy you will get a £36 discount in your policy year.

Question 10

Will my premium increase if I make a claim?

Accepted Answer

No, at Petplan there is no penalty for making a claim. You can make a claim online [here](https://www.petplan.co.uk/existing-customers/make-a-claim/).