Since 1983, Pet Protect has built a strong reputation for putting pet wellbeing first. They offer lifetime cover to help you cover the cost of expensive vet treatments, should your furry friend have an accident or fall ill.
With a specialist background in the veterinary profession, all of their insurance policies are backed by their understanding of the clinical, financial and emotional impact that can come with a poorly pet.
8.8
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8.8
/10Review score
This score shows how highly reviewers have rated this pet insurance provider, with 10 being the highest score
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£10,000
Vet fee cover
Pet Protect offers lifetime coverage, meaning your pup is covered for any new illnesses year after year as long as you renew the policy. This ensures they get the best treatment possible and you get complete peace of mind, should they develop a long-term illness.
Cover for illnesses or conditions that occur within the policy year.
24/7 pet advice over the phone or live chat if your dog falls ill.
Complementary medicine such as hydrotherapy, homoeopathic medicine, physiotherapy and acupuncture.
Dental cover if treatment is for an accident or illness.
Loss of your dog if they are stolen or go stray.
Customers can choose from four levels of annual vet fee cover:
£4,000
£6,000
£8,000
£10,000
Following a simple, online claims process, Pet Protect will either pay your vet directly or reimburse you.
Pet Protect won’t cover treatment for:
Pre-existing conditions
Illness that occurs in the first 14 days of your policy*
Poisoning or any accidental injury that occurs in the first 3 days of your policy*
Vaccine-preventable conditions
Breeding, pregnancy or birthing
Baby teeth if your pet is over 16 weeks when your policy starts
With Pet Protect's lifetime cover, your cat is always protected, no matter what life throws their way. This provides complete peace of mind, knowing you can afford the best care for them year after year, even if they develop a long-term illness.
Cover for illnesses or conditions that occur within the policy year.
24/7 pet advice over the phone or live chat if your cat falls ill.
Complementary medicine, such as hydrotherapy, homoeopathic medicine, physiotherapy and acupuncture.
Dental cover if treatment is for an accident or illness.
Loss of your cat if they are stolen or go stray.
Customers can choose from four levels of annual vet fee cover:
£4,000
£6,000
£8,000
£10,000
Following a simple, online claims process, Pet Protect will either pay your vet directly or reimburse you.
Pet Protect won’t cover treatment for:
Pre-existing conditions
Illness that occurs in the first 14 days of your policy*
Poisoning or any accidental injury that occurs in the first 3 days of your policy*
Vaccine-preventable conditions
Breeding, pregnancy or birthing
Baby teeth if your pet is over 16 weeks when your policy starts
Pet Protect pays
97%
of claims!
Mr Whiskers, a 5-year-old moggie with no pre-existing conditions
Cheapest Cat Quote
£23.88 per month
Maximum Vet Fees
£6,000 per year
Excess per Condition
£130
Buster, a 3-year-old Border Terrier with no pre-existing conditions
Cheapest Dog Quote
£29.88 per month
Maximum Vet Fees
£6,000 per year
Excess per Condition
£130
Pet Protect offers four different levels of annual vet fee cover. So, you can find the right policy for your budget and your pet's needs. Take a look at the table below to compare products and find the right one for you:
| Vet fees | £4,000 | £6,000, £8,000 and £10,000 |
|---|---|---|
| Vet fees per year | £4,000 | £6,000, £8,000 or £10,000 |
| Excess Per condition, per year | £130 | £130 |
| Percentage contribution | 20% | 20% |
| Complementary treatment As part of your vet fee cover | Up to £1,000 | Up to £1,500 |
| Physiotherapy As part of your vet fee cover | Up to £1,000 | Up to £1,500 |
| Death from accident or injury | Up to £1,500 | Up to £2,000 |
| Death from illness | Up to £1,500 | Up to £2,000 |
| Advertising and reward | Up to £1,000 | Up to £1,500 |
| Theft or straying | Up to £1,500 | Up to £2,000 |
| Boarding kennel or cattery fees | Up to £1,500 | Up to £2,000 |
| Cremation and burial costs | £200 | £200 |
| Holiday cancellation | Up to £2,000 | Up to £3,000 |
| Third party liability Dogs only | £1,000,000 | £1,000,000 |
| PetConnect 24/7 access to a vet team | Included | Included |
| Pet Portal Manage your pet policy online | Included | Included |
Making a vet fee claim couldn’t be simpler for Pet Protect policyholders and, thanks to their customer portal, you’re able to follow the progress of your claim at every stage.
After logging into the user-friendly Pet Portal and answering a few questions, you can easily submit and track a claim.
Pet Protect then waits to hear from your vet what treatments have been provided and how much they cost.
With this information, Pet Protect confirms the claim as received and moves to assessment. This stage typically takes five days but may take longer if more information is needed.
Once the claim has been fully processed and assessed, Pet Protect will contact you to confirm the outcome.
If your claim has been accepted, Pet Protect will proceed with reimbursement. This can be made either to you or directly to your vet.
For third party liability and other claims, you simply need to download a form from the Pet Portal and send it to Pet Protect.
There are several factors that will affect the cost of your insurance premium when you first take out your pet insurance policy. These include:
Age: younger pets typically have lower premiums.
Breed: certain breeds are more prone to specific health conditions, which can affect the cost.
Location: vet costs can vary by region.
Coverage level: higher coverage plans naturally come with a higher premium.
Your Pet Protect insurance policy premium is fixed for 12 months and is reviewed annually. It will only change for the following reasons:
A change in the general costs for the running of our business.
A change in the scheme performance or claims experience.
Changes to your circumstances, for example, the age of your pet, your claims history or an address change.
Any change in the Insurance Premium Tax (IPT) rate.
Pet Protect offers clients two flexible payment methods; either one single payment each year or in monthly instalments.
The insurance excess is the amount you will need to pay toward the treatment for each condition you make a claim on.
Upon renewal of your Pet Protect insurance policy, after your cat turns 10 or your dog turns 8 (5 for some breeds), an additional 25% of the remaining claim amount will be added to your standard excess.
If you want to speak to a member of the Pet Protect team, you can contact them via their on-site live chat or by filling in their 'email us' form online.
If you'd prefer to talk to someone over the phone, you can call their customer service team on 0345 602 4797. Lines are open Monday to Friday, 9 am to 5:30 pm.
What types of policies does Pet Protect offer?
There are four types of lifetime insurance policies that Pet Protect offers, ranging from £4,000 up to £10,000 in annual vet fee cover. These policies can be taken out for your cat or dog.
Does Pet Protect cover pre-existing conditions?
No, Pet Protect doesn’t offer cover for pre-existing conditions.
What animals does Pet Protect cover?
Pet Protect provides cover for cats and dogs. They also offer lifetime rabbit insurance.
Does Pet Protect have an online claim system?
Yes! You can make claims via the online Pet Portal or you can use Pet Protect’s claim form service.
How quickly does Pet Protect process claims?
It can take up to 12 working days for Pet Protect to process a claim.
Can Pet Protect make a payment directly to my vet?
Yes, you can ask Pet Protect to pay your vet directly or make the reimbursement to you. It’s your choice!
Does Pet Protect offer complementary therapies?
Pet Protect offers up to £1,500 cover for complementary therapies as part of their annual vet fee cover policies. Take a look at the comparison table above to see how much you can claim on complementary therapies, which include hydrotherapy, homoeopathic medicine, physiotherapy and acupuncture.
Does Pet Protect include third party liability as standard?
Yes, Pet Protect covers up to £1,000,000 in third party liability cover for dogs only.
