Pet Plan UK Pet Insurance www.petplan.co.uk – Questions & Answers

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Asked by Mark973 on 14th September 2016 Report this content
The lifetime policy sounds too good to be true. Do they hike up the premiums at renewal after a claim as the animal is more of a risk?

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Answers (12)
Report this content Jbrkingros Written on: 15/09/2016
The price goes up every year due to my cat's age, which would be the same with most insurance companies I suspect. Also you pay an amount every year (think mine is £100 but my cat is 16) for a condition and then 20% of each claim - which may sound a lot but if they have a condition like mine does with daily medication (diabetes = insulin and needles) it does work out cheaper. I've just purchased 2 months worth and that comes to £90. So eg that costs 540 pa of which I pay 100. Which leaves 440 which petplan would pay 80% of = 352. Plus monthly pet plan insurance costs anyway. But her condition means regular checks, blood tests, urine tests and as her condition makes her prone to water infection the antibiotics are also covered all under the one condition. So definitely works out a good deal even with the premiums. Insurance seems a rip off unless you need it! Her first bill at diagnosis was 4 figures and I would have struggled to pay that! And she's been diabetic for 5 years now. Hope the maths makes sense, it's hard to explain. Petplan is definitely the one vets recommend.
Report this content Katiejcollins Written on: 15/09/2016
I claimed for my cat for over £1000 the premium went up slightly but this was pence and may have just been the usual inflationary increase you get with insurances
Report this content Andrea1952 Written on: 15/09/2016
It was discovered that my dog has a heart condition and they have paid out for his treatment with absolutely no problems at all over the last couple of years. In fact I think they pay out very quickly. I have also insured my other dog with them as I have been so pleased. The premiums have only gone up by pence (The usual inflationary increase I believe). I would have no hesitation in recommending them to family or friends.
Report this content Claire1710 Written on: 15/09/2016
My boy has in his nearly 10 years had.... (claimed for) xray for ongoing shoulder issue arthroscopy to investigate the above (referred to specialist) Diagnosed Low thyroid c.5 yrs ago and been on daily meds with 6m tests knocked out and had thorn removed from swollen foot MRI on neck injury Operation to remove burst disc material from neck Follow up MRI Think his premium as a baby was £24 a month with a £60 excess He will be 10 next month and his premium is now (after all of the above) £43 a month with a excess of £120 When I add up all the bills over his little lifetime after his neck injury and all the premiums paid up to that point they cancel each other out so I am more than happy. Peace of mind is invaluable
Report this content Dicie Written on: 15/09/2016
We made a claim (for an injury to our dog) not long after we took out the insurance and were very pleased with how quickly the claim was dealt with but the renewal has not come up yet so don't know if there will be a premium increase.
Report this content Milomaine Written on: 15/09/2016
No but once your pet reaches 8-10 years old, they only pay out 80% of the claim. I suppose it was noted in the "small print" somewhere, as I wasn't aware of it until I made a claim for my 10 year old cat. So you could say that the lifetime policy is accurate if your pet only lives to be 8-10 years old.
Report this content stantu1 Written on: 15/09/2016
They did for us and imposed huge restrictions. I had my bulldog covered with them, he required 2 eye ops. They paid for one op then sent a letter saying it was a pre existing condition, wasn't and my vet even wrote to them saying it wasn't but they wouldn't listen. They then said they would keep him Covered for everything but his eyes knowing he needed the second op. And when renewal came up it had gone from £60 to £130 per month. My dog was insured with them from 9 weeks for the first year of his life. We wen elsewhere after the renewal came up and are much happier elsewhere.
Report this content Patdebs Written on: 15/09/2016
Both my dogs are lifetime policy holders and one has just been diagnosed with cushions disease and he has tests and medication for the rest of his life my policy has only gone up by a small amount
Report this content Gailmb Written on: 15/09/2016
One of my dogs (bullmastiff cross) has some serious problems with her joints. She had an operation on both her elbows which wasn't cheap. Whilst the insurance premium did go up the following year it was not much and probably only in line with inflation. Petplan have been brilliant, they paid up straight away with no hassle. I was very impressed and extremely grateful. I would recommend Petplan to anyone.
Report this content LPreviews11 Written on: 15/09/2016
I couldn't recommend them enough (I work with pet insurance quite a lot). They have a unique policy of not increasing premiums based on a previous claim. I normally advise the £7000 policy for cats and small dogs, and if you can afford the £12000 use this for larger breeds. (Ps. I don't work for Petplan)
Report this content Annwman Written on: 15/09/2016
I don't feel they do. My dog is 8 and started out with a £75 excess when first insured with them. It is now £105 despite numerous claims. My new puppy who is nearly 5 months has an excess of £100. Obviously the premiums do go up annually but only by about £3/£4. Hope this helps.
Report this content ChristinePrice Written on: 17/09/2016
I have two 8 year old brother and sister cats Fred and Georgie. One has a common heart condition, the other doesn't. Fred has twice had several expensive tests to monitor his heart and Petplan covered everything without any problem. The monthly cover does go up a bit annually but it has stayed the same for both cats. I've found them to be very good.
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Asked by dawnhelder on 28th April 2015 Report this content
Am currently looking for cat insurance & see that PetPlan are recommended. From experience, do they put up their premiums once you've made a claim, as seems the case with other insurers?

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Answers (15)
Report this content uskyrt Written on: 30/04/2015
No they don't. Had 2 claims already with them with no issue whatsoever. They do increase the premium every year (I suppose to reflect the increased age and risks of your pets) but claims should not affect it.
Report this content dawnhelder Written on: 30/04/2015
Thanks, that's good to know! We're going with them as they have the very best reviews, worth paying the extra
Report this content ayeup Written on: 30/04/2015
No they don't. Insurance goes up each year as costs rise for treatment. Should you make a claim then they won't increase it directly. I have claimed in excess of 10k for one of my moggies and they didn't complain. They without a shadow of a doubt are the best insurers in the market, the preferred choice most vets. They are not cheap but with pet plan you get what you pay for.
Report this content Andrea1952 Written on: 30/04/2015
I have insured both my dogs since they were puppies. My first dog has an ongoing heart condition and my second dog had one very serious illness only. Both premiums have been renewed since then and only the annual increase was applied for which I am grateful. PetPlan have always been helpful and paid out promptly and definitely the premiums have not been "bumped up" because of claiming.I would have no hesitation in recommending them based on my experiences.
Report this content Glyph14 Written on: 30/04/2015
I have a dog with a life long condition which requires daily medication - the cost of which is covered by the insurance. Although the price has gone up since we started, this is no more than the cost of anything else which has increased, and not because we have claimed anything.
Report this content LynnMcColl Written on: 30/04/2015
I can only say in my case which was for £2000 plus they were no delays no hesitations everything paid almost immediately. Great service and unfortunately I lost my cat last weekend he was hit by a car and so cancelled my pets insurance but when I get another and I will I won't be using any other pet insurance. You get what you pay for. I can't recommend them enough.
Report this content ajhawkes23 Written on: 30/04/2015
Have insurance for 2 cats, one of which we have had to claim for a couple of times most recently for major surgery to remove liver cancer. No problems claiming, all paid promptly. The only increase has been in the excess that we need to pay but this is based on the age of our cats as well. Still well worth the money as this latest vet bill was in region of 5K.
Report this content Buzzbomb Written on: 30/04/2015
No they didn't with me. I had to claim about £3500 for an emergency operation and treatment for my dog and when it came time to renew it was the same cost as it had been the previous year. I would highly recommend pet plan as they were very easy to deal with at a difficult time and I had no issues with them.
Report this content Hardacre Written on: 30/04/2015
We've been with Petplan since 1989 and only have praise for the way they handle claims. Premiums increase as pets grow older as illness is more likely to occur but that is the case with all insurances. Claims are dealt with very quickly and their advisers are both kind and helpful.
Report this content gillc308 Written on: 30/04/2015
My dog had about £600 worth of treatment last year and there has been no increase in his premium for this year. Very happy with everything so far and the vet can claim directly from them so it saves any hassle with paying them and claiming back. We have a new puppy and were given a discount for her. It is a bit like car insurance as you don't really know what kind of service you get until you make a claim.
Report this content LTRaynshaw Written on: 30/04/2015
Absolutely NOT. My Dog was diagnosed with diabetes 1 month after joining Pet Plan. Pet Plan payed the full £7000 in the first four months of diagnosis, supported me, asked how Bramble was doing Then at renewal, my premiums went up £2 a month, well below inflation AND most importantly Bramble is covered for life. I really don't believe you can provide your dog with better insurance care.
Report this content Treacle69 Written on: 30/04/2015
As yet have had no increase due to claims only the usual premium increase. However this year I've claimed heavily so will find out!!
Report this content mjshyatt Written on: 01/05/2015
I've had Pet Plan for all my cats and always had the top insurance where they insure any condition for life and I've not found any problems. As previous answer they raise their prices every year which all insurers seem to do but this is not because you have claimed. It is worth the money and piece of mind, my 17 year old cat has never had a claim until this last year and I still feel its worth it, now I need to claim for a condition he'll have for the rest of his life.
Report this content OscarMoody Written on: 01/05/2015
I agree they don't. I have my horse insured with petplan unfortunately I changed insurance for my dog, wish I hadn't now.
Report this content Bridget52 Written on: 15/09/2016
Not in my experience. I had two claims for one of my cats and the premiums have remained the same. Not only that, but in the email I was asked how Skye was, not just "how is your cat". That was lovely to receive and indicated to me that customers are not just payments to PetPlan. I looked around before opting for PetPlan, which was recommended by someone at my previous Vet's practice, and I have never regretted my choice. Go for it! And enjoy your cat(s).
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Asked by hilbonkers on 10th March 2015 Report this content
Is there a combined accident/sickness dog policy available?

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Answers (5)
Report this content Catzome Written on: 11/03/2015
Hi, I have Pet Plan cover for three cats, my vet recommended Pet Plan as she had made two claims for the maximum and there was no quibble. I have claimed for both illness and accident which resulted in major surgery (twice). Most vets are happy to claim directly from Pet Plan Insurance which means that you do not have to pay up front. So far we have been very satisfied but I would give Pet Plan a call and check your requirements with them.
Report this content mjshyatt Written on: 11/03/2015
I have only experience with cat insurance and this has covered all my needs so far. Best place is to check with PetPlan I'm sure they'll be happy to answer your question directly. From experience PetPlan cover most problems and Vets are happy to deal with them. I have an on-going problem with one of my cats and when a claim is needed, I just fill in what I need to fill in, hand it to the vet who then completes it and sends off to PetPlan for me. There is usually a one off charge by the vet of around £5 for the first form but that's all.
Report this content Mullions Written on: 11/03/2015
Give pet plan a ring or look online. They are very competent and will give you the answer you need. I have used pet plan for at least 20 yrs never ever had a problem with them - give excellent service.
Report this content Collingvale Written on: 11/03/2015
you can go online and have a look at Pet Plan Policies I would have thought that certain policies cover sickness and accidents probs 3rd party ... most insurance companies have an online question and answer or a phone number to check
Report this content ayeup Written on: 11/03/2015
Most if not all of the insurance options cover both accident and sickness. I haven't seen them offer separate policies which reflect one or the other. Pet Plan is the industry favourite amongst vets and owners, they are not the cheapest however they are certainly the best. There maybe more cost effective options out there, however what you get is reflected in their insurance quality. The likes of pet/animal friends are very reluctant to honour costly claims, usually trying to find some loophole in the policy documents. Pet Plan does more than just insure dogs, if you have rehomed an animal then 9 times out of 10 the shelter will offer you 4 weeks free pet plan cover, and should you continue to take the policy the animal shelter then usually gets 10% of the value of your premiums indefinitely. So you not only help your pet, you also continue funding rehoming centres for the forseeable. I have 3 cats and their insurance in total costs around £50 a month, however at least I can be safe in the knowldge that should the worst happen I have adequate insurance to cover it.
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Asked by lucyjordan on 22nd September 2014 Report this content
How do I know if my claim was successful? 

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Answers (11)
Report this content uskyrt Written on: 23/09/2014
Go on their website and you'll be able to see its status
Report this content donnayoung263 Written on: 23/09/2014
It probably wasn't... Getting money out of PetPlan is like trying to get blood from a stone!
Report this content uskyrt Written on: 23/09/2014
I don't agree... there are specific rules to follow and they state them pretty clearly. So far I never had an issue with them and had 4 claims in total.
Report this content Hestia Written on: 23/09/2014
If you've given them your mobile number, they will send you a text message when your claim is received and again when it has been processed. If you've elected to pay the vet direct (most good vets process your claim for you once you've put your details on the form), then you will also get a letter confirming how much as been paid out on your claim (less the excess, for example) and if it's been sent to the vet or being sent to you directly. It takes a couple of weeks after you send the claim in. I once had one claim go missing, so if in doubt, call their claims service: I normally found them very helpful. I was a regular claimer for medication for over 3 years with one of my cats who has now sadly died.
Report this content Collingvale Written on: 23/09/2014
you can log in and track you claim and where it is at online ...
Report this content Jenkiro Written on: 23/09/2014
Our claim was settled without quibble in less than a week, so you shouldn't have to wait long.
Report this content naomi01452 Written on: 23/09/2014
Go on to pet plan claims log in by your policy number and it will tell you your status. It normally takes about 2 weeks from going to the vets to getting an answer.
Report this content lucyjordan Written on: 23/09/2014
Thanks everyone x
Report this content Jan1949 Written on: 23/09/2014
I got a letter letter letting me know the claim had been received and was being dealt with
Report this content lucyjordan Written on: 23/09/2014
The claim is now closed online and they emailed to say I'd hear from them within 7 days. So I'll just need to sit tight and see. . . . .
Report this content lucyjordan Written on: 24/09/2014
Sigh of relief and happy to say that my cats insurance claim was successful . What a worry it's been waiting, on top of him being so ill. He's well again and hopefully we'll not have to go through that again. Thank you petplan and thanks to all of you for taking the time and effort to reply to my post, thanks so much x
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Asked by MariaG84 on 7th January 2014 Report this content
Would my dog be covered if for instance he strayed and got hit by a car or if i was walking him off the lead and he had an accident? Some insurers would refuse to pay out based on the exclusion below which is in Pet Plans policy details. Exclusions "- Any amount if you break the United Kingdom laws or regulations, including those relating to animal health or importation" Section 27 of the Road Traffic Act 1998: "A person who causes or permits a dog to be on a designated road without the dog being held on a lead is guilty of an offense". Would Pet Plan pay in these circumstances? Or would my dog not be covered based on their exclusion clause? Animal Friends clearly says they will not pay in these circumstances which is why I ask.

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Answers (1)
Report this content JerseyDawgs Written on: 07/01/2014
There are two distinct scenarios here. The first (your dog straying - escaping from your house/garden and then being in an accident) is quite clearly that. You would argue you have not been negligent if your dog has managed to escape from a usually secure area. The second, "A person who causes or permits a dog to be on a designated road without the dog being held on a lead is guilty of an offense" would clearly not be covered, as the person has shown negligence by allowing the dog off the lead while on a designated road. If your dog was in a field and off the lead, then ran into a road? Hmmm, did you commit an offense? did you cause the dog to be on a designated road? a grey area? Call Pet Plan and ask them, and get it in writing!! Hope this helps.
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