Pet Pals ( petpals ) Insurance

Petpals even offers tenant coverage!

Pet Pals insurance offers coverage with no waiting period and no maximum age.

Petpals has 2 main plans with quite low prices for even pedigree dogs.

They keep their plan prices low by not including extras such as trip cancellation insurance, behavior problem treatment or lost/stolen pet adds and reward.

They have 2 main plans which are nearly exactly the same, but one has tenant insurance for damage to a rental flat.

Their plans work by having limits for categories of illnesses and accidents, however the drawback is that the limit is quite low and so could possibly be reached pretty quickly.

Overall their plans are simple and pretty cheap.



Below you will find tables that explain the coverage of Pet Pals plans as well as costs. Further down on this page you will find answers to very important questions.

If you have found this site helpful in your purchase of pet insurance, please Leave a review. Thank you.

I hope that this website helps you to pick the best pet insurance for your pet.

Snapshot Information Chart for Pet Pals

Plan Accidents* Illness** Deductible/ Excess*** Max age limit to sign on Lifetime cover Price per month
Quick Care Dog: £2000/ category Cat: £1500/ category Dog: £2000/ category Cat: £1500/ category £60/condition/yr or 75 or 250 None Upto category maximum Dog: £10.13- 14.50 Cat: £6.25
Tenant Care Dog: £2000/ category Cat: £1500/ category Dog: £2000/ category Cat: £1500/ category £60/condition/yr or 75 or 250 None Upto category maximum Dog: £10.42- 15.95 Cat: £6.57

*illness categories- Dogs: Infectious Disease, Cancer, Digestive Ailments, Ear Problems, Heart Disease
Cats: cancer, diabetes mellitus, feline asthma, feline lower urinary tract disease, infectious disease
**accident categories: Dogs: Foreign Body Ingestion, Bone Fractures, Poison Ingestion, Allergic Reaction to Insect Bites, Bite Wounds / Lacerations, Burns, Motor Vehicle Accident
Cats: bite wounds & bite wound abscesses, bone fractures, burns, feline high rise syndrome, foreign body ingestion removal, poison ingestion

***Excess for Accident and illnesses is 0, Holiday cancellation 50, Tenant care household excess is 75, third party liability is 250 (for dogs only).

Detailed coverage Chart for Pet Pals

Quick Care Tenant Care
Vet fees Accident £2000/ category £2000/ category
Vet fees- Illness £2000/ category £2000/ category
Routine Care
Hereditary Conditions See below See below
Hip dysplasia
Death (replacement cost of pet)
Euthanasia £50 £50
Boarding (if owner hospitalized)
Holiday (trip cancellation)
Cover Abroad
Quarantine costs
Behavioral problems
Prescription meds
Dental (not teeth cleaning)
Alternative treatment yes yes
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog)
Lost/Stolen pet adds
Third party liability £1 million £1 million
(dogs only)
Accidental Damage (tenant coverage) £700 or 500
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident- are covered based on the different categories.
Routine/Preventative care- is not covered (this includes things such as vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds).
Hereditary conditions- as long as the condition is not pre-existing and is under the illness or accident categories, then it will be covered.
Hip Dysplasia- is not covered.
Death- Will cover replacement price of pet if dies from accident
Cremation – is not covered.
Euthanasia– is covered by both plans.
Boarding- is not covered if you go to hospital.
Holiday- or trip cancellation is not covered.
Cover abroad-– if you choose this option at an additional cost, up to 2 trips/ 12 months up to 60 days in European countries that participate in the Pet Travel Scheme.
Quarantine Costs- is not covered.
Behavioral problems- is not covered.
Prescription Meds- is not covered.
Alternative treatment- is covered as long as illness is covered under the illness category ( such as hydrotherapy, physiotherapy, acupuncture, herbal or homeopathic medicine)
Breeding, Fertility, Pregnancy– is not covered.
Medical devices– are not covered.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays) is not covered.
Third party liability(dogs only) is covered upto 1 million.
Accidental Damage– is covered under the tenant care plan. You will get £700 for first 36 months of living in apartment, and £500 for any damage thereafter.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies– is not covered.

Insurance Helplines coverage chart.

Pet pals does not have any pet help lines.

All pet pals plans
Bereavement counseling
Vet finder
Pet legal
Pet minder

Bereavement counseling-help you deal with death/illness of pet.
Vet Finder- -help you find local vet if away.
Pet legal- help you with pet legal matters.Pet minder-help you find a local pet sitter.



Some Common Questions: 

Lifetime insurer (will they cover on going conditions throughout pets life) ? 
yes, upto category limit

Congenital disorders? 
As long as it falls within the illness and accident categories (so it may not be covered with Pet Pals).

The First month is free with Pet Pals£5/year/ pet if you insure multiple pets with Petpals.

Any vet or specific vets only? After hours vets or in home vets? 
You can go to any vet with Petpals insurance.

Can the vet be paid directly?  
Yes, the vet can be paid directly as long as it’s arranged and the vet agrees.

If not, How quickly are claims processed? 
It takes 2 weeks for claims to be processed with Petpals.

Does Petpals cover the examination fee (if it relates to the injury or illness) ? 
Yes, Pet Pals covers consultancy fees and tests if it relates to the injury or illness.

All breeds? 
All dogs except dogs under the Dangerous Dog Act are covered.

Dangerous Dog Act? 
Dogs under the Dangerous dog act are not covered with Petpals. Mixes with these dogs are also not covered.

Do I stop getting coverage as my pet ages? 
No, once you sign on with Petpals, your pet is covered throughout its life.

Does age affect monthly price with Petpals (as my dog gets older will the monthly premium go up) ?  
Yes, the monthly fee will be adjusted as your dog ages, and also by the number of claims that are made as well as the overall veterinary care.

Do they put the monthly price up every year? By how much? 
see answer above.

Where does Petpals serve? Is the monthly amount more depending on where I live? 
Yes. You must be a resident of, and domiciled in, the United Kingdom, the Channel Islands, Isle of Man or Northern Ireland. Sorry, Petpals cannot cover residents of Eire.
The monthly amount is affected by your postal code, such that people living near London have slightly higher monthly fee because vet fees in that area are generally higher.

Waiting period? 
There is no waiting period with Petpals.

Do rates increase with more claims/penalized for filing more claims? 
Yes, the monthly fee will be adjusted each year based on: your dogs age, the number of claims and overall veterinary care price.

Maximum lifetime claim amount? 
They only have maximum claim amounts for each category.

What is the co-pay? 
There is no co-payment with Pet Pals

Extras included? 
none to note.

Money back guarantee? 
14 days.



What Pet Pals doesn’t cover – claims that are directly or indirectly related to:

• Dogs under 8 weeks old, cats under 6 weeks.
• Pre-existing conditions.
• No coverage for injuries that result from: guarding, racing, breeding.
• Treatment not recommended by a vet.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.


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