Pet Pals Insurance:
|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|
Detailed coverage Chart for Pet Pals
|Quick Care||Tenant Care|
|Vet fees Accident||£2000/ category||£2000/ category|
|Vet fees- Illness||£2000/ category||£2000/ category|
|Hereditary Conditions||See below||See below|
|Death (replacement cost of pet)||-||-|
|Boarding (if owner hospitalized)||-||-|
|Holiday (trip cancellation)||-||-|
|Dental (not teeth cleaning)|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||-||-|
|Lost/Stolen pet adds||-||-|
|Third party liability||£1 million||£1 million|
|Accidental Damage (tenant coverage)||-||£700 or 500|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-|
Insurance Helplines coverage chart.
Pet pals does not have any pet help lines.
|All pet pals plans|
Some Common Questions:
Lifetime insurer (will they cover on going conditions throughout pets life) ?
yes, upto category limit
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 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.
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
none to note.
Money back guarantee?
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.