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Pet Protect

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.

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Trusted by 1000s of pet owners

8.8

/10
Sentiment Score
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This score shows how positive or negative the overall review feedback is on a scale from 1 (most negative) to 10 (most positive)

8.8

/10

Review score

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This score shows how highly reviewers have rated this pet insurance provider, with 10 being the highest score

+

3500

Customer reviews

Up to

£10,000

Vet fee cover

Insurance products by Pet Protect

Lifetime dog insurance

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.

    What’s included?

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    Cover for illnesses or conditions that occur within the policy year.

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    24/7 pet advice over the phone or live chat if your dog falls ill.

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    Complementary medicine such as hydrotherapy, homoeopathic medicine, physiotherapy and acupuncture.

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    Dental cover if treatment is for an accident or illness.

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    Loss of your dog if they are stolen or go stray.

What levels of cover are available?

Customers can choose from four levels of annual vet fee cover:

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    £4,000

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    £6,000

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    £8,000

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    £10,000

How does reimbursement work?

Following a simple, online claims process, Pet Protect will either pay your vet directly or reimburse you.

Are there any exclusions?

Pet Protect won’t cover treatment for:

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    Pre-existing conditions

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    Illness that occurs in the first 14 days of your policy*

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    Poisoning or any accidental injury that occurs in the first 3 days of your policy*

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    Vaccine-preventable conditions

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    Breeding, pregnancy or birthing

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    Baby teeth if your pet is over 16 weeks when your policy starts

*Unless you can prove your previous insurance runs up to the new policy start date.
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Lifetime cat insurance

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.

    What’s included?

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    Cover for illnesses or conditions that occur within the policy year.

  • Tick Icon

    24/7 pet advice over the phone or live chat if your cat falls ill.

  • Tick Icon

    Complementary medicine, such as hydrotherapy, homoeopathic medicine, physiotherapy and acupuncture.

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    Dental cover if treatment is for an accident or illness.

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    Loss of your cat if they are stolen or go stray.

What levels of cover are available?

Customers can choose from four levels of annual vet fee cover:

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    £4,000

  • Tick Icon

    £6,000

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    £8,000

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    £10,000

How does reimbursement work?

Following a simple, online claims process, Pet Protect will either pay your vet directly or reimburse you.

Are there any exclusions?

Pet Protect won’t cover treatment for:

  • Cross Icon

    Pre-existing conditions

  • Cross Icon

    Illness that occurs in the first 14 days of your policy*

  • Cross Icon

    Poisoning or any accidental injury that occurs in the first 3 days of your policy*

  • Cross Icon

    Vaccine-preventable conditions

  • Cross Icon

    Breeding, pregnancy or birthing

  • Cross Icon

    Baby teeth if your pet is over 16 weeks when your policy starts

*Unless you can prove your previous insurance runs up to the new policy start date.
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Did you know?

Pet Protect pays
97%Scribble Icon of claims!

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Quotes our team received

Pet profile:

Mr Whiskers, a 5-year-old moggie with no pre-existing conditions

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  • Cheapest quote:

    £23.88 per month

  • Maximum vet fees:

    £6,000 per year

  • Cover from:

    8 weeks

Pet profile:

Buster, a 3-year-old Border Terrier with no pre-existing conditions

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  • Cheapest quote:

    £29.88 per month

  • Maximum vet fees:

    £6,000 per year

  • Cover from:

    8 weeks

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Compare Pet Protect insurance products

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 Tick Icon £4,000 Tick Icon £6,000, £8,000 or £10,000
Excess
Per condition, per year
Tick Icon £130 Tick Icon £130
Percentage contribution Tick Icon 20% Tick Icon 20%
Complementary treatment
As part of your vet fee cover
Tick Icon Up to £1,000 Tick Icon Up to £1,500
Physiotherapy
As part of your vet fee cover
Tick Icon Up to £1,000 Tick Icon Up to £1,500
Death from accident or injury Tick Icon Up to £1,500 Tick Icon Up to £2,000
Death from illness Tick Icon Up to £1,500 Tick Icon Up to £2,000
Advertising and reward Tick Icon Up to £1,000 Tick Icon Up to £1,500
Theft or straying Tick Icon Up to £1,500 Tick Icon Up to £2,000
Boarding kennel or cattery fees Tick Icon Up to £1,500 Tick Icon Up to £2,000
Cremation and burial costs Tick Icon £200 Tick Icon £200
Holiday cancellation Tick Icon Up to £2,000 Tick Icon Up to £3,000
Third party liability
Dogs only
Tick Icon £1,000,000 Tick Icon £1,000,000
PetConnect
24/7 access to a vet team
Tick Icon Included Tick Icon Included
Pet Portal
Manage your pet policy online
Tick Icon Included Tick Icon Included

Customer Reviews

Christian Brooks
Cover Purchased
Reviewed without invitation
Reviewed the Claims experience on 7 Sep 2023
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1 out of 5 paws

Appalling Service From Pet Protect

Our vet diagnosed our labrador with potential cancer. We had never claimed for anything from Pet Protect insurers for over 7 years and when we spoke to customer service to explain the situation we we…
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    Recieved a response within 3-4 days after their claim was submitted
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    Claim is still unresolved
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    Was neither happy or unhappy with their experience when they spoke to someone
Sara Goodacre
Cover Purchased
Reviewed without invitation
Reviewed the Sales experience on 3 Aug 2023
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5 out of 5 paws

Insurance Policy For My Labrador

PetProtect insurance has been fantastic for my Labrador. Thankfully we have not needed to make many claims in several years, but each time it has been dealt with very efficiently and professionally. …
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    Thought purchasing a policy was really easy
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    Bought insurance with Pet Protect because they trust them
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    Was neither happy or unhappy with their experience when they spoke to someone
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Making a claim

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.

  • 1. Claim

    After logging into the user-friendly Pet Portal and answering a few questions, you can easily submit and track a claim.

  • 2. Vet completion

    Pet Protect then waits to hear from your vet what treatments have been provided and how much they cost.

  • 3. Assessment

    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.

  • 4. Results

    Once the claim has been fully processed and assessed, Pet Protect will contact you to confirm the outcome.

  • 5. Reimbursement

    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.

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Other things to consider

Changes to your premium

There are several factors that will affect the cost of your insurance premium when you first take out your pet insurance policy. These include:

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    Age: younger pets typically have lower premiums.

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    Breed: certain breeds are more prone to specific health conditions, which can affect the cost.

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    Location: vet costs can vary by region.

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    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:

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    A change in the general costs for the running of our business.

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    A change in the scheme performance or claims experience.

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    Changes to your circumstances, for example, the age of your pet, your claims history or an address change.

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    Any change in the Insurance Premium Tax (IPT) rate.

Ways to pay your premium

Pet Protect offers clients two flexible payment methods; either one single payment each year or in monthly instalments.

Understanding insurance excess

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.

Contact Pet Protect

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.

FAQs

  • 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.

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