Is Petplan Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Petplan
Petplan stands out as the UK’s leading pet insurer, insuring over 1.3 million pets and partnering with Allianz Insurance plc—a global financial giant—demonstrating unmatched reliability and financial security. It offers two core policies: Essential (time-limited, lower cost per condition) and Covered For Life® (a lifelong option with annual limits up to £12,000 for dogs/cats, separate yearly maximums for rabbits), with a 97% claim payout rate and renewal rates over 90%, indicating strong customer satisfaction. Annual excesses apply, and—after age 7—an additional 20% excess per claim is charged. Petplan’s prices are often above the market average, but the high reimbursement rates, comprehensive inclusion of hereditary, dental, chronic, and behavioural claims, absence of penalty for claims history, and unique value-added services (such as expert video vet chats and direct vet payment) set it apart from digital-first competitors like Bought By Many or Waggel.
Petplan is especially suited for owners seeking robust protection for young or pedigree animals, rabbits, pets with predispositions to chronic issues, or those prioritising claim reliability and scope over premium cost savings. While less optimal for owners of elderly animals seeking low-cost cover, the breadth of coverage and hassle-free claims are frequently validated on Trustpilot (4.7/5 over 19,000 reviews), with 90% of claims paid in under 5 days.
With over £5 million settled in claims weekly, and continuous investment in digital platforms (online claims, customer portals), Petplan’s reputation for excellent service is supported by numerous industry awards and year-on-year customer loyalty. Delays in reimbursement are rare, and communication is prompt and supportive.
- ✅Lifetime (Covered For Life®) formula, annual reset of illness cover limit
- ✅97% of claims paid, 90% settled in less than 5 working days
- ✅No premium penalty for claims made
- ✅Broad coverage: hereditary, chronic, dental, behavioural conditions
- ✅Highly rated: Trustpilot 4.7/5 from 19,000+ reviews
- ✅Direct payment to vets and fast, paperless claims process
- ✅24/7 access to expert vet, behaviourist, and bereavement support
- ❌Premiums higher than many digital-first and low-cost insurers
- ❌Routine/preventive care and vaccines not reimbursed
- ❌Extra 20% excess for pets aged 7+ per claim
- ❌Maximum annual limits apply, not unlimited per condition
- ❌Some exclusions: pre-existing, early illness, breeding-related
- ✅Lifetime (Covered For Life®) formula, annual reset of illness cover limit
- ✅97% of claims paid, 90% settled in less than 5 working days
- ✅No premium penalty for claims made
- ✅Broad coverage: hereditary, chronic, dental, behavioural conditions
- ✅Highly rated: Trustpilot 4.7/5 from 19,000+ reviews
- ✅Direct payment to vets and fast, paperless claims process
- ✅24/7 access to expert vet, behaviourist, and bereavement support
Our Expert's Opinion on Petplan
ScorePetplan stands out as the UK’s leading pet insurer, insuring over 1.3 million pets and partnering with Allianz Insurance plc—a global financial giant—demonstrating unmatched reliability and financial security. It offers two core policies: Essential (time-limited, lower cost per condition) and Covered For Life® (a lifelong option with annual limits up to £12,000 for dogs/cats, separate yearly maximums for rabbits), with a 97% claim payout rate and renewal rates over 90%, indicating strong customer satisfaction. Annual excesses apply, and—after age 7—an additional 20% excess per claim is charged. Petplan’s prices are often above the market average, but the high reimbursement rates, comprehensive inclusion of hereditary, dental, chronic, and behavioural claims, absence of penalty for claims history, and unique value-added services (such as expert video vet chats and direct vet payment) set it apart from digital-first competitors like Bought By Many or Waggel.
Petplan is especially suited for owners seeking robust protection for young or pedigree animals, rabbits, pets with predispositions to chronic issues, or those prioritising claim reliability and scope over premium cost savings. While less optimal for owners of elderly animals seeking low-cost cover, the breadth of coverage and hassle-free claims are frequently validated on Trustpilot (4.7/5 over 19,000 reviews), with 90% of claims paid in under 5 days.
With over £5 million settled in claims weekly, and continuous investment in digital platforms (online claims, customer portals), Petplan’s reputation for excellent service is supported by numerous industry awards and year-on-year customer loyalty. Delays in reimbursement are rare, and communication is prompt and supportive.
- ✅Lifetime (Covered For Life®) formula, annual reset of illness cover limit
- ✅97% of claims paid, 90% settled in less than 5 working days
- ✅No premium penalty for claims made
- ✅Broad coverage: hereditary, chronic, dental, behavioural conditions
- ✅Highly rated: Trustpilot 4.7/5 from 19,000+ reviews
- ✅Direct payment to vets and fast, paperless claims process
- ✅24/7 access to expert vet, behaviourist, and bereavement support
- ❌Premiums higher than many digital-first and low-cost insurers
- ❌Routine/preventive care and vaccines not reimbursed
- ❌Extra 20% excess for pets aged 7+ per claim
- ❌Maximum annual limits apply, not unlimited per condition
- ❌Some exclusions: pre-existing, early illness, breeding-related
- ✅Lifetime (Covered For Life®) formula, annual reset of illness cover limit
- ✅97% of claims paid, 90% settled in less than 5 working days
- ✅No premium penalty for claims made
- ✅Broad coverage: hereditary, chronic, dental, behavioural conditions
- ✅Highly rated: Trustpilot 4.7/5 from 19,000+ reviews
- ✅Direct payment to vets and fast, paperless claims process
- ✅24/7 access to expert vet, behaviourist, and bereavement support
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and conditions and pricing of insurance policies available on the market every year to provide you with a reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of people across the UK trust us every month to help them make their most important financial decisions.
Petplan warranties
Petplan stands out with its "Covered For Life®" and "Essential" formulas, offering comprehensive UK market-leading cover for dogs, cats, and rabbits, with the lifetime option keeping chronic conditions covered each year up to a high annual limit. Reimbursement rates are typically 100% after a fixed excess per claim, and annual benefit reinstatement sets Petplan apart, as does the guarantee that claims will not increase premiums—only factors like age or inflation apply. Dental, hereditary, congenital, and behavioural conditions are included, provided that annual vet checks are done, while value-added services such as vet video consults and bereavement support are notable advantages. However, routine/preventive care (like vaccinations or worming), breeding, pregnancy, pre-existing conditions, and animals under 6 weeks are strictly excluded, with no lump-sum preventive allowance.
Petplan’s main limitation is the lack of a global travel cover for all territories and no civil liability protection, plus strict adherence to regular dental and veterinary check-ups is required.
| Name of guarantee | Covered For Life® | Essential (Time-Limited) |
|---|---|---|
| Positioning | Lifetime, full-spectrum, high annual cap | Short term, 12 months per condition |
| Type of cover | Accident & illness | Accident & illness |
| Animals covered | Dogs, cats, rabbits | Dogs, cats, rabbits |
| Reimbursement rate (%) | 100% after excess | 100% after excess |
| Annual vet fees cover cap | £4,000–£12,000 (by plan & species) | £3,000 per new condition |
| Excess (franchise) | Fixed per condition/year (age-dependent) | Fixed per condition/year (age-dependent) |
| Age limits for subscription – cats | Min 6–8 weeks; no formal upper limit | Min 6–8 weeks; no formal upper limit |
| Age limits for subscription – dogs | Min 6–8 weeks; no formal upper limit | Min 6–8 weeks; no formal upper limit |
| Health questionnaire required? | ❌ | ❌ |
| Waiting period for illness | 14 days | 14 days |
| Waiting period for accident | Immediate (except specific exclusions) | Immediate (except specific exclusions) |
| Lifetime cover once insured? | ✅ | ❌ |
| Vet consultations (all types) | ✅ | ✅ |
| Medicines | ✅ | ✅ |
| Hospitalisation | ✅ | ✅ |
| Ambulance fees | ✅ | ✅ |
| Surgery, anaesthesia | ✅ | ✅ |
| Scans (CT, MRI, ultrasound) | ✅ | ✅ |
| Lab analyses | ✅ | ✅ |
| Radiotherapy | ✅ | ✅ |
| Dental (accident/illness) | ✅ annual dental checks required | ✅ annual dental checks required |
| Descaling | ❌ (routine not covered) | ❌ (routine not covered) |
| Preventive care package | ❌ | ❌ |
| Alternative therapies (physio, acupuncture) | ✅ (limits: Hydro £500/year, others by plan) | ✅ (limits: Hydro £500/year, others by plan) |
| Therapeutic food | ❌ | ❌ |
| Geographic scope | UK only | UK only |
| Death/cremation | ❌ | ❌ |
| Euthanasia | ❌ (unless for humane reasons during covered claim) | ❌ (unless for humane reasons during covered claim) |
| Theft/loss & search costs | ✅ (reward/advertising, limits apply) | ✅ (reward/advertising, limits apply) |
| Pet boarding costs | ✅ (if hospitalised; £30/day alternative, subject to max) | ✅ (if hospitalised; £30/day alternative, subject to max) |
Good to know
Petplan policies require at least annual dental check-ups and treatment of recommended issues for full dental cover. Hydrotherapy is capped at £500 per condition/year within therapies. Claims must be made within 12 months of treatment, and pets under 6–8 weeks cannot be enrolled. Chronic conditions are only covered if insured before symptoms start and policy is maintained without break.
Compare Petplan offers with other providers to secure the best coverage at the most attractive price for your pet.
👉 Compare pet insurance plans for freeStart saving on vet billsPetplan exclusions
Petplan applies a thorough and precise set of exclusions in its rabbit insurance, echoing market standards around pre-existing conditions and routine/preventive care but with notably clear boundaries. Strict exclusion applies to any illness or injury existing before cover or arising in the first 14 days, and breeding, pregnancy, or any illness/injury related to neglect are firmly not covered. Unlike some competitors, a hydrotherapy sub-limit (£500/condition/year) is enforced even within eligible therapies and all alternative therapies not specifically listed (e.g., osteopathy beyond policy wording) are excluded. No benefits are payable for behavioural issues deemed preventable by training or neutering, or for boarding/care provided by family or household members.
The policy also excludes coverage for rabbits under 6 weeks old, incidents from legal non-compliance, mass vaccination campaigns, zoonotic diseases, and all costs related to clinical trials, joint replacements, prostheses, or non-essential procedures.
| Exclusions | Details |
|---|---|
| Medical Exclusions |
|
| Geographical/Provider Exclusions |
|
| Legal/Regulatory Exclusions |
|
| Infectious/Other Specific Exclusions |
|
- Pre
- existing conditions (before policy or within 14 days)
- Illness/injury due to owner neglect or deliberate acts
- Routine/preventive care (e.g. vaccinations, flea/worming)
- Breeding, pregnancy, or giving birth
- Non
- essential/cosmetic procedures
- Behavioural illness preventable by training/neutering
- Clinical trials, joint replacements, prostheses
- Equipment, administrative charges
- Transportation, boarding, grooming
- Dental/illness not meeting annual check
- up requirements
- Hydrotherapy over £500/condition/year
- Rabbits under 6 weeks old
- Treatment outside of qualified professionals per policy
- Boarding/care by family, carers, or household members (boarding/emergency care section)
- Advertising/reward payments to family, carers, or involved persons (missing pet section)
- Events related to breaking UK law
- Claims from compulsory vaccination campaigns
- Exclusions from government orders (e.g. DEFRA, mass culls)
- War, civil unrest, terrorism, radiation
- Zoonotic diseases (transmissible to humans)
- Claims deemed fraudulent or dishonest
- No payout if another insurance applies
Petplan rates
Petplan is positioned as a premium, comprehensive provider in the UK pet insurance market, distinguished by high reimbursement limits, extensive cover for chronic and hereditary conditions, and inclusive features such as dental illness, behavioural treatments, and therapies often excluded elsewhere. These wide-ranging benefits, combined with low excesses (deductibles) and the “Covered For Life®” model, ensure superior protection but result in generally higher premiums compared to competitors offering more restrictive or time-limited plans.
Notably, pricing is not penalised following claims—a significant point of differentiation—though age and inflation do influence renewal costs.
While some digital-first rivals may undercut Petplan by offering stripped-down, solely online contracts, Petplan maintains a traditional, multi-channel service with strong customer support, which is reflected in its customer loyalty and long-term satisfaction metrics.
Overall, Petplan is “expensive but complete”: ideal for owners prioritising maximum breadth and stability of cover over purely low premiums, and less suited for those seeking the cheapest entry-level policy.
Compare providers to secure the best possible coverage for your pet at the lowest monthly cost.
| Covered For Life® £4k | Covered For Life® £7k | Covered For Life® £12k | Essential | |
|---|---|---|---|---|
| Cat young (2–4 yrs) | £18/mo | £23/mo | £28/mo | £11/mo |
| Cat senior (7–8 yrs) | £27/mo | £34/mo | £41/mo | £17/mo |
| Small dog (2–4 yrs) | £20/mo | £26/mo | £32/mo | £13/mo |
| Small dog senior (7–8 yrs) | £31/mo | £39/mo | £47/mo | £19/mo |
| Large dog (2–4 yrs) | £26/mo | £33/mo | £40/mo | £16/mo |
| Large dog senior (7–8 yrs) | £40/mo | £49/mo | £59/mo | £24/mo |
Petplan promo codes
| Petplan Promo Codes | Details |
|---|---|
| HelloSafe |
|
- 5% on your quote
Note: Promo codes are subject to change. For the latest promotional codes, visit our comparison of the best pet insurance offers.
How much will I be reimbursed with Petplan?
Petplan’s “Covered For Life®” plan provides you with peace of mind knowing that, if your pet needs treatment for an illness or injury, you can claim every year for ongoing conditions (up to your chosen annual limit), and you’ll be reimbursed after subtracting your yearly fixed excess. Here are some clear examples to show you exactly how you’ll be reimbursed and what your out-of-pocket costs could be with Petplan’s best lifetime cover for your pet in Great Britain:
Example 1: Treatment for Rabbit Dental Disease
Total vet fees: £350 (consultation, dental X-ray, extraction, post-op pain medication)
Fixed excess to pay: £65 (applies once per condition, per year)
Deductible amount before reimbursement: £350 – £65 = £285
Reimbursement rate (Covered For Life® plan): 90% of £285 = £256.50
👉 You receive a £256.50 reimbursement from Petplan.
ℹ️ The £65 excess is only deducted once per condition per year. If your rabbit needs more dental work later this policy year, only the 10% co-pay will be subtracted from further claims.
Example 2: Emergency Surgery for Gastrointestinal Stasis
Total vet fees: £1,400 (diagnostics, hospitalisation, IV fluids, surgery, several days of aftercare)
Fixed excess: £65 (annual, per condition)
Deductible before reimbursement: £1,400 – £65 = £1,335
90% of remaining amount reimbursed: £1,335 × 90% = £1,201.50
👉 You are paid £1,201.50, directly to you or your vet, from your annual cover.
ℹ️ With the highest “Covered For Life®” benefit (e.g. £7,000/year), you have plenty of cover left for any other issues later the same year. Remember, your premium won’t be increased just because you’ve claimed.
Example 3: Hydrotherapy for Post-Surgical Recovery (Pet Therapies Section)
Course of hydrotherapy sessions: £420 (8 sessions prescribed by your vet)
Limit for hydrotherapy under Pet Therapies: £500 per condition, per year
Excess already paid on previous claim for this condition this year: Yes (so none now)
Reimbursement rate: 90% of £420 = £378
👉 You receive £378 directly reimbursed towards your hydrotherapy sessions.
ℹ️ Hydrotherapy is covered up to £500 per condition, per year, with no additional excess if already paid on an earlier claim for this issue. Other pet therapy treatments—such as acupuncture or physiotherapy—are also included (when prescribed).
With Petplan’s outstanding reimbursement rate and high annual cover limit, you’ll never have to worry about a big vet bill derailing your finances—your pet’s health comes first.
Petplan support
Petplan provides several valuable assistance features for UK pet owners, including a 24/7 legal helpline and a bereavement support line, which are both rare in the market and can be crucial during difficult times. The 'Pet Expert Chat' feature allows free video consultations with vets, behaviourists, and nutritionists, offering meaningful guidance beyond standard claims support.
Claims can be submitted by electronic form, through the My Petplan online portal, or by post, and Petplan enables direct payment to vets—however, there is no real "advance of fees" system as known with payment cards or interest-free instalments. While My Petplan streamlines online claims tracking and management, there is currently no standalone mobile app for policyholders, which may be a drawback given industry norms.
Emergency veterinary assistance and 24/7 vet teleconsultation are not included as direct services, and Petplan does not operate a proprietary clinical partner network. Cover abroad is limited: veterinary fees are only insured within the UK, so the lack of international support may not meet the needs of owners who travel with their pets.
| Assistance Petplan | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | Direct payments to UK vets are possible if the clinic agrees, but no universal advance-fee solution such as a payment card or Payvet equivalent exists. |
| Payment facilities | ❌ | No 3- or 4-instalment payment facilities are provided; premiums are paid monthly or yearly by bank direct debit or card. |
| Mobile app | ❌ | There is no standalone mobile app; all digital services are via the My Petplan web portal (responsive website for mobile, not a native app). |
| Digital claims management | ✅ | Claims can be filed online via My Petplan or by post; policy documents and history are accessible through the online portal. |
| Emergency veterinary hotline | ❌ | No Petplan-operated emergency vet helpline or 24/7 live vet teleconsultation; owners must contact their own vet or out-of-hours clinic directly. |
| Clinical/veterinary partner network | ❌ | Petplan does not offer an affiliated veterinary network or negotiated partner discounts; claims are accepted from any qualified UK vet. |
| Abroad cover | ❌ | Veterinary fee cover applies only within the UK; emergency boarding and other services are also UK-only; no assistance for illness/injury treatment abroad. |
Customer feedback on Petplan
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7/5 – 19,324 reviews |
| Feefo | 4.8/5 – 16,950 reviews |
| Review Centre | 4.3/5 – 1,252 reviews |
We have analysed the reviews from the sites listed above. On the positive side, policyholders who have taken out a Petplan contract for their pet often mention:
- A highly reliable and prompt claims process: the ease of claim submission, quick payouts (often within a few days), and straightforward documentation are repeatedly praised, with many customers noting that claims are processed directly between Petplan and vets with minimal hassle for owners.
- Comprehensive lifelong cover: the ability to cover chronic, hereditary, dental, and ongoing conditions—often under the Covered For Life® plan—sets Petplan apart, and is cited as a reason for long-term customer loyalty.
- Professional and empathetic customer service: the courtesy, clarity, and compassion of the support team during stressful or emotional periods (e.g., during pet illnesses) are frequently highlighted as reassuring and supportive.
- No penalties for claiming: the assurance that premiums do not increase as a direct result of making a claim is valued, providing customers with clear expectations and long-term confidence.
- Strong reputation and trust: both vet recommendations and numerous awards (including Which? Best Buy) reinforce positive perceptions, with many customers insuring multiple pets over many years and recommending the company widely.
On the negative side:
- The premium levels are sometimes considered higher than competitors, leading some customers to question value for money, especially for older pets.
- Occasional complaints relate to administrative communications, such as follow-up marketing emails or letters perceived as excessive, particularly after introductory or free insurance periods.
- Some customers express frustration with specific exclusions, such as routine or preventive care, pre-existing conditions, or additional excess charges for older pets (e.g., a further 20% excess at age 7+), which can result in unexpected out-of-pocket expenses.
- A small number of reviewers mention delays or documentation requests for more complex claims, though most describe the process as swift for standard veterinary treatments.
- Dental cover is conditional upon regular annual checks, and failure to meet these requirements can result in denied claims, which has proved disappointing for a minority of policyholders.
How can I contact Petplan?
| Petplan customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you and click to get a quote. |
| To request and track a reimbursement | 1. Submit the reimbursement request online on the customer portal (my.petplan.co.uk) or via the claims portal (petplan.co.uk/claim), or by mail. 2. Required documents: detailed invoices, proof of payment, animal’s medical history, prescriptions if necessary. 3. Your veterinarian can sometimes submit the request for you. 4. Average compensation time: 90% of claims processed within 5 business days. 5. Reimbursement by bank transfer (or direct payment to the veterinarian possible). 6. Assistance by phone at 0345 071 8000 or email [email protected]. |
| To obtain a proof of insurance | 1. Log into your my.petplan.co.uk client area to download a certificate. 2. You can also request it by phone (0345 071 8000), email ([email protected]), or by mail at Petplan Customer Centre, PO Box 223, Huddersfield, HD8 1FR. |
| To contact assistance | 1. Administrative assistance: - Phone: 0345 071 8000 - Email: [email protected] - Postal address: Petplan Customer Centre, PO Box 223, Huddersfield, HD8 1FR 2. 24/7 legal assistance: "Lawphone" (ref. 36316, number available to members) 3. Pet bereavement helpline: 0800 138 6515 (Blue Cross) - [email protected] |
| To cancel my contract | 1. You can cancel at any time via your client area (my.petplan.co.uk), by phone at 0345 071 8000, by email at [email protected] or by mail at Petplan Customer Centre, PO Box 223, Huddersfield, HD8 1FR. 2. Right to a full refund if canceled within 14 days of subscription or renewal. 3. Pro-rata refund after this period. 4. No specific document is generally required but provide your contract number and contact details to facilitate the process. |
2. Required documents: detailed invoices, proof of payment, animal’s medical history, prescriptions if necessary.
3. Your veterinarian can sometimes submit the request for you.
4. Average compensation time: 90% of claims processed within 5 business days.
5. Reimbursement by bank transfer (or direct payment to the veterinarian possible).
6. Assistance by phone at 0345 071 8000 or email [email protected].
2. You can also request it by phone (0345 071 8000), email ([email protected]), or by mail at Petplan Customer Centre, PO Box 223, Huddersfield, HD8 1FR.
- Phone: 0345 071 8000
- Email: [email protected]
- Postal address: Petplan Customer Centre, PO Box 223, Huddersfield, HD8 1FR
2. 24/7 legal assistance: "Lawphone" (ref. 36316, number available to members)
3. Pet bereavement helpline: 0800 138 6515 (Blue Cross) - [email protected]
2. Right to a full refund if canceled within 14 days of subscription or renewal.
3. Pro-rata refund after this period.
4. No specific document is generally required but provide your contract number and contact details to facilitate the process.
FAQ
Do I need to pay vet fees upfront with Petplan?
Petplan can pay your vet directly, so in many cases you do not have to pay vet fees upfront yourself—provided your vet is happy to accept direct payment from insurers. If your vet prefers the pet owner to pay first, you can still claim back eligible costs quickly online or through your vet practice. Always check with your vet before treatment to confirm their billing process.
How do I cancel my pet insurance contract with Petplan?
To cancel your Petplan pet insurance, contact Petplan by phone, email, or mail at any time; if done within 14 days of starting or renewing the policy, you receive a full refund. After this period, cancellation can be made with a pro-rata refund, and you may need to provide your policy number and a brief written request.
What conditions and treatments does Petplan cover under its policies?
Petplan’s policies cover a wide range of illnesses, injuries, and ongoing or chronic conditions, including dental illness (if dental checks are up-to-date), hereditary issues, and behavioural problems. Cover extends to diagnostic tests, medicines, surgeries, hospitalisation, and certain therapies—but does not include routine or preventative care, pre-existing conditions, or breeding-related costs.
Are there age or breed restrictions for using Petplan insurance?
Petplan insures pets from six weeks old, with no upper age limit for new policies in most cases—though older pets will pay higher premiums and have an increased excess from age 7 onwards. Nearly all rabbit breeds are eligible. Pre-existing health conditions are not covered, so starting cover early provides the broadest protection.
Will my premium increase if I claim, and are there excess fees?
With Petplan, making a claim does not cause your premium to rise—the only increases come from your pet aging or general inflation. Each claim has an excess, detailed in your certificate, and from age 7, an additional 20% of each vet bill is also deducted. All excesses are clearly explained before purchase.
Do I need to pay vet fees upfront with Petplan?
Petplan can pay your vet directly, so in many cases you do not have to pay vet fees upfront yourself—provided your vet is happy to accept direct payment from insurers. If your vet prefers the pet owner to pay first, you can still claim back eligible costs quickly online or through your vet practice. Always check with your vet before treatment to confirm their billing process.
How do I cancel my pet insurance contract with Petplan?
To cancel your Petplan pet insurance, contact Petplan by phone, email, or mail at any time; if done within 14 days of starting or renewing the policy, you receive a full refund. After this period, cancellation can be made with a pro-rata refund, and you may need to provide your policy number and a brief written request.
What conditions and treatments does Petplan cover under its policies?
Petplan’s policies cover a wide range of illnesses, injuries, and ongoing or chronic conditions, including dental illness (if dental checks are up-to-date), hereditary issues, and behavioural problems. Cover extends to diagnostic tests, medicines, surgeries, hospitalisation, and certain therapies—but does not include routine or preventative care, pre-existing conditions, or breeding-related costs.
Are there age or breed restrictions for using Petplan insurance?
Petplan insures pets from six weeks old, with no upper age limit for new policies in most cases—though older pets will pay higher premiums and have an increased excess from age 7 onwards. Nearly all rabbit breeds are eligible. Pre-existing health conditions are not covered, so starting cover early provides the broadest protection.
Will my premium increase if I claim, and are there excess fees?
With Petplan, making a claim does not cause your premium to rise—the only increases come from your pet aging or general inflation. Each claim has an excess, detailed in your certificate, and from age 7, an additional 20% of each vet bill is also deducted. All excesses are clearly explained before purchase.
