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Petplan Review – The right insurance for you and your pet?

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In this Petplan review we take a closer look at the company, to see if they are the right pet insurance provider for you and your pet.

We’ll start by having a brief look at who Petplan* are and then we’ll examine what they have to offer pet owners like you.

Who Are Petplan?

Petplan are the UK’s leading pet insurer, insuring UK pets for over 40 years. They offer insurance policies for dogs, cats, rabbits and also horses.

Petplan have won a lot of awards for their pet cover including ‘Most trusted pet insurance provider of 2017’ from Moneywise. On their website* they proudly state that they pay out on 97% of the claims they receive and that 90% of these are paid within 5 working days.

Petplan’s pet insurance policies are underwritten by insurance giant Allianz Insurance. Both Petplan and Allianz are regulated by the Financial Conduct Authority.

What Types of Cover Do Petplan Offer?

Petplan’s main website offers insurance for cats, dogs and rabbits and we’ll look at these more closely in a moment. Before we do, though, it’s important to understand the different types of cover Petplan offer for your pet.

For cats and dogs Petplan give you the option to get a quote for either a ‘Covered for life’ policy or ‘12 month cover’.

Covered for Life

Petplan’s most popular cover is their ‘Covered for life’ product. It is designed to cover you against any ongoing treatments your pet may have throughout the course of its lifetime. It’s called Covered for life because you can claim year after year for the same injury or illness, provided you renew your cover annually without a break in cover. While your insurance premium may increase over the years due to factors like increased vet costs or your pet’s age, Petplan do state on their website that your premium will not increase as a direct result of any claim you make.

Within the ‘Covered for life’ bracket there are also 3 different levels of cover you can opt for. These are called the ‘Ultimate’, ‘Classic+’ and ‘Classic’ products. If it helps, you could view these as Gold, Silver and Bronze levels of cover. We’ll take a closer look at the benefits offered by each of these products as this review continues.

Get a Petplan ‘Covered for Life’ Quote Here*

12 Month Cover

As well as their ‘Covered for life’ option, Petplan also offer a 12 month cover option. When you get a quote for 12 month cover it will likely be cheaper than their ‘Covered for life’ options, but there are drawbacks.

The major drawback is that you can only claim for a condition or injury for up to 12 months on this policy. After this time, the condition will be excluded from your policy and you will no longer be able to claim for it. Petplan’s 12 month policy is therefore designed for those who only want a basic level of cover, or could also be useful for owners of older dogs who no longer qualify for Petplan’s ‘Covered for life’ cover. It’s worth noting that ‘12 month cover’ is not available for rabbits with Petplan.

Get a Petplan ’12 Month Cover’ Quote Here*

What Animals Do Petplan Insure?

Now that we know what types of cover Petplan offer, let’s look at the different animals they insure and some of the policy benefits for each.

Petplan Dog Insurance

Petplan’s most basic dog insurance is their 12 month essential cover. This will cover you for up to £3000 of vet fees per condition for 12 months. There is also an extra £500 of cover on offer for complementary treatments such as acupuncture, homeopathy or hydrotherapy with certain conditions attached. On top of this there is third party insurance of up to £1 million per incident if your dog damages a property or person.

If you require more than just essential cover then the benefit levels rise when you opt for Petplan’s ‘Covered for life’ product. Depending on whether you opt for the classic, classic+ or ultimate cover, with Covered for life you can get anywhere between £4000 and £12000 of vet fee cover per year and with a further £1000 to £2000 for complementary treatments. On top of this you have between £2 million and £3 million of third party liability cover per incident. There are further benefits on offer such as missing or stolen dog cover and more.

Get a Petplan Dog Insurance Quote Here*

Petplan Cat Insurance

Petplan’s most basic cat and kitten insurance is their 12 month essential cover. This will cover you for up to £3000 of vet fees per condition for 12 months. There is also an extra £500 of cover on offer for complementary treatments such as acupuncture, homeopathy, hydrotherapy or herbal medicines with certain conditions attached. As your cat is unlikely to cause serious injury to a human or property there is no third party cover included.

If you require more than just essential cover, then the benefit levels rise when you opt for Petplan’s ‘Covered for life’ cat cover. Depending on whether you opt for the classic, classic+ or ultimate cover, with ‘Covered for life’ you can get anywhere between £4000 and £12000 of vet fee cover per year and with a further £1000 – £2000 for complementary treatments. There are other benefits on offer such as missing or stolen cat cover and holiday cancellation cover and more.

Get a Petplan Cat Insurance Quote Here*

Petplan Rabbit Insurance

As we mentioned earlier in this review, Petplan only offer a ‘Covered for life’ option with their rabbit insurance. This makes it a little easier for us to outline the benefits on offer.

With Petplan’s ‘Covered for life’ rabbit insurance you will be protected for up to £2000 of vet fee costs per year with an extra £750 on offer for recommended complementary treatments like acupuncture, homeopathy, hydrotherapy and herbal medicines. There’s also cover of up to £2000 for boarding fees and a further £2000 for missing rabbit advertising and reward.

Get a Petplan Rabbit Insurance Quote Here*

Petplan Equine Insurance

As equine insurance is quite a specialist area we will be discussing this in a separate review at a later date. To check out the benefits of Petplan’s equine insurance now, however, you can head on over to the Petplan Equine* website. At the time of writing you can also get 1 months horse insurance free with the company!

Do Petplan Offer a Multi-pet Discount?

You’ll be pleased to hear that Petplan also offer a multi-pet discount* for up to 5 pets. This means that when you insure multiple pets with Petplan you will receive a £12 discount per pet, per year. You can insure a mix of dogs, cats and rabbits and you will also be able to set individual cover limits for each.

Summary

As we can see from this review, there is a reason why Petplan* are the UK’s leading pet insurance company. Not only do they offer pet insurance options for all budgets, they also tailor their policies to give the best possible care for you and your pet too.

Petplan are one of the most respected names in the industry and look set to remain so for many years to come.