Pet Protect Insurance Review: How Good Is It?

Pet Protect Insurance Review: How Good Is It?

Good value but excess rises steadily with age and premiums may rise if you claim.

Good for

  • Good value
  • Euthanasia cover
  • Travel cover
  • Dental cover
  • Prescription food
  • Having a longer time to claim
  • 24/7 petline

Bad for

  • Those worried about premiums rising after you claim
  • Getting a new policy for an older pets (not available to dogs 5+ or 8+, breed dependent, or cats 10+)

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Pet Protect offers quite cheap pet insurance if you're looking for a good deal, with your choice of four Lifetime cover options ranging from £4,000 to £10,000 of vet cover. They only offer new policies to dogs under aged 8 (or under 5 years for some breeds) so to insure an older pet, check out an alternative like LV=.

Compare quotes from Pet Protect against 25 providers by clicking the blue "Get Quotes" button below to see how much you can save:

Compare Cheap Pet Insurance for Your Dog or Cat

Pet cover can help with vet bills. Compare quotes from 25 providers, including Pet Protect

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In This Review

In this review we try to clarify some features of Pet Protect's pet insurance plans, but be sure to read the policy wording before you sign up. Choosing the best policy for you and your dogs or cats will depend on your individual situation.

Pet Protect Pet Insurance Review

Pet Protect offers some of the Best Value Dog and Cat Insurance, and they offer a range of lifetime pet insurance offerings from £4,000 to £10,000 of cover.

Previously, the Pet Protect website said that their £4,000 policy is their most popular.

Pet Protect helps keep prices lower by having pet owners contribute towards vet bills with both a fixed excess and a variable excess, which we've found starts at 20% and typically increases with pet age (e..g dops aged 8 or cats age 10) to 25%. While some other insurers employ the same method, the variable excess with Pet Protect could be higher for most of your pet's life than, say, with Agria Pet Insurance.

Prices may increase if you claim. When it comes to renewal, your new premium could reflect your claims history over the past year. In their policy wording in section 6.2 Premiums and Terms and Conditions, it says that premiums may increase according to claims history (as well as pet's age, your location and other factors, of course).

Time Limit to Claim: All claims must be submitted within 12 months of the treatment start date. Note: this is an improved window (it previously was only 6 months). For ongoing treatment, interim claims can be submitted—this is a benefit over some other insurers who require you to submit a claim for each treatment.

Excess: The excess on a Pet Protect policy is composed of a fixed £ amount excess and a % copay. When you claim for a new condition, you pay the fixed £ excess and then you pay a percentage of any remaining vet bills for that condition. Each year, you'll need to pay the fixed £ excess again for each condition for which you are still claiming.

The excess will increase as your pet ages and we found that Pet Protect is quoting policies with a 20% excess for younger pets, which rises to 25% for older pets. Please note that the company might quote you for a different excess so be sure to check this before you buy.

Pet Protect Insurance for Older Pets: Pet Protect only offers new policies to younger pets. Older dogs aged 8+ (or 5+ for some breeds) and cats aged 10+ are not eligible for new Pet Protect insurance policies. Once your dog or cat is insured with Pet Protect, however, you should be able to renew regardless of age. (But you should expect your premium and excess to increase with age.) Specified breeds of dogs are further limited and must be aged 5 or less in order to get a new policy. There are dozens of breeds of the "specified breeds" list, including: Bulldogs, Basset Hounds, Dobermans, Mastiffs, Sheepdogs, etc.

Inner Limits: Pet Protect used to impose inner limits on certain claims, including cruciate ligament issues and CT/MRI scans, but we don't see these limits in their terms and conditions anymore—good news, in our book!

There are still limits on complementary therapy and prescription food, however.

Condition/TreatmentMaximum per policy year (lifetime plans only)
Complementary Therapy£1,000 (£4K plan) or £1,500 (higher tiers of cover)
Prescription Food25% of the cost of a clinical diet for your pet for a maximum period of 6 months per condition (not for obesity/weight loss)

Emergency Vet Cover: House call charges are covered so long as the vet confirms it would be life threatening to move your pet or seriously worsen their condition.

Pet Protect Key Facts

  • Holiday cancellation, unwell, travel abroad with your pet, prescription food, dental cover available on lifetime plans
  • Euthanasia cover
  • 12 months to make claims
  • Premium may increase according to claims history
  • Vetfone to call with queries
  • Upper age limit on new policies (not available to dogs 5+ or 8+, breed dependent, or cats 10+)
  • % copay plus fixed £ excess

Pet Protect Quote Comparison

To try to get an idea of how pet insurance premiums may change as your pet ages, we quoted a few Lifetime Pet Protect policies for various dog ages. This is not necessarily an indication of how your premiums may rise if you renew a Pet Protect policy.

chart comparing Pet Protect pet insurance quotes by age
How Do Pet Protect's Prices Vary with Age?

Also remember that the excess increases at certain age milestones as well.

Pet Protect Lifetime Notable Features

Pet Protect Pet Insurance Features
DentalDental illness/disease or medical condition are covered (e.g., tooth decay, gum/tooth disease) as part of vet fees so long as your pet has annual dental exams and received any recommended treatment within 6 months. Accidental injury claims covered as well.
Prescription FoodUp to 25% of the cost of a clinical diet for your pet for a maximum period of 6 months per condition, if it is recommended by your vet for a treatable condition other than for obesity/weight loss.
Euthanasia CoverIf your pet is put to sleep as recommended by your vet for humane reasons.
Travel CoverYou can use your vet fee limits for vet bills abroad, for up to 90 days a year.
Cover for Holiday Cut ShortCover if you have to cancel (less than 7 days before you were due to leave) or curtail your holiday because your pet needs emergency life-saving treatment. Trips booked last minute, within 28 days of departure, are excluded.
Boarding Cover When You're UnwellCover for boarding fees when you're an inpatient at hospital for at least 48 hours.
Death due to Accident or IllnessReimbursement of purchase price of your pet (up to policy limits), if he/she dies due to accident or illness. Death due to illness cover stops at ages 5 or 8 years for dogs and 10 for cats. You must provide the purchase receipt and pedigree certificate (if applicable) or else you get the lower of the amount you stated when you applied for cover or the market value.
Complementary TherapyHydrotherapy, osteopathy, massage and healing, laser treatment, electrical muscle stimulation, acupuncture or chiropractic treatment up to £1,000 for £4K planes or £1,500 for higher tier plans.

Types of Pet Protect Dog and Cat Insurance Policies

Pet Protect offers four tiers of Lifetime pet insurance cover, which provide cover for both accidents and illnesses over the course of your pet's life. Ongoing and recurring conditions are reimbursable, so long as the policy remains in force.

For more information on pet insurance cover in general, please see our article on What Does Pet Insurance Cover in the UK.

Pet Protect Coverage Amounts

Policy / Vet Fees (per policy year)£4,000£6,000£8,000£10,000
Excess (per condition, per year)£130£130£130£130
% Contribution20%20%20%20%
Complementary treatment (as part of vet fees)£1,000£1,500£1,500£1,500
Dental treatment (as part of vet fees)£4,000£6,000£8,000£10,000
Hospitalisation/boarding fees£1,500£2,000£2,000£2,000

Pet Protect Pet Insurance Customer Experience Ratings

According to trustpilot.com, over 3585 customers ranked Pet Protect pet insurance at 4.2 out of 5, which is considered "Excellent". And their rating has risen in the past year, which is great. Here are some comments to give you a feel for the Pet Protect experience from other customers:

"Excellent service. Our giant newfoundland dog unfortunately got bronchitis so you can imagine the vets bills!. Luckily he was insured with pet protect, they paid out every penny we claimed for quickly & efficiently with no questions or hassle. Our last 2 very large dogs were insured by them too, they were very good with them as they both had a lot of health issues, 1 of them requiring 11 very expensive operations but they paid out all that we were entitled to without any questions asked. Would recommend pet protect to anyone buying pet insurance."

"I contacted Pet Protect as my vet needed to know how much insurance cover I had left on my dogs insurance. The guy who answered my call was so helpful, kind and friendly. I had the information sent to me within a couple of minutes. Fantastic service."

"Wanted to ask about taking my pet abroad. Used the oline chat function, so easy and quick. Information obtained and actioned by email, with a fast response. Really pleased."

"We’ve had our policy for the lifetime of our dog. He accidentally poked his eyeball and needed emergency surgery for stitches. We’ve never had to claim before and I wasn’t sure on the procedure but I was able to chat to someone online. Our dog got all the treatment and aftercare he needed and the claim was paid with no issues. For our renewal since the claim the excess has increased slightly and the percentage contribution too but we could not easily have afforded the emergency surgery so we are still grateful."

"This company is not a good choice if your dog is likely to need behavioural/anxiety support. I tried to claim for a separation anxiety programme, after being told by their customer services it was likely to be covered. However it was rejected. I queried this with customer services (as the policy document referred to "re-training programmes", which was not what I was claiming for). Customer services were helpful and it was sent back to the claims team. It was then rejected again, and remained rejected after an email from our dog behaviourist explaining that all the major pet insurers cover the programme we received (she works about 50 cases per year)."

"Excellent service. Claimed online, agreed within a few days and settled. No hassle."

How does Pet Protect Pet Insurance Compare to Competitors?

To better understand the value of Pet Protect Pet Insurance you need to look at it in the context of other available options. We compared this insurer to other similar insurers so you can see which may be more suitable for you.

Pet Protect Pet Insurance vs Argos Pet Insurance

Argos Pet Insurance is a good option for those with older pets. Not only are older pets eligible for Lifetime cover regardless of age, but there’s no change to excess when your pet ages. You’ll get euthanasia cover and there’s a 24/7 vet helpline to call with questions, but you don’t get vet cover for the treatment of tooth decay or tooth/gum disease. To get an idea of price, our sample quote for a young, healthy dog showed a cost of £360 for £7,000 of Lifetime cover with a £135 fixed excess.

Bottom Line: If you're attracted to Pet Protect for a new Lifetime policy for your older pet, Argos plans can be another good option as there's no change to the excess as your pet ages.

Pet Protect Insurance vs Agria Pet Insurance

Agria Pet Insurance offers offers comprehensive Lifetime plans for lower-than-average prices and is one of our favourite pet insurers. Many features are offered as extras, which means that you don't need to pay for certain features if you don't want to—if you never take your pet abroad to Europe, then you don't need to buy the Travel cover. Another way that Agria keeps prices lower is through a 10% copay/variable excess so pet owners contribute more towards vet fees—the pet owner is responsible for the fixed excess (£95 or £160 for dogs, £85 or £160 for cats) than another 10% of vet bills. We like that Agria is a specialist pet insurer with a long history, offering some desirable features such as dental, euthanasia and cremation/burial, sensible out-of-hours reimbursement and cover for congenital conditions. The cost for a young, healthy crossbreed dog is around £350 per year for a plan with £6,500 of vet cover and a £95 fixed excess + 10% copay; a British Shorthair with an £85 excess + 10% copay would cost around £325 for the same level of cover.

Bottom Line: If you're after a good, value plan, Agria can be a solid option—but you'll have to pay a larger share of any vet bills that arise due to the 10% copay.

Pet Protect Pet Insurance vs Animal Friends Pet Insurance

Animal Friends Pet Insurance is another specialist pet insurer, whose plans stand out for lower-than-average premiums (partially achieved through per condition limits, even on Lifetime plans) and they publicly state on their website that they don't penalize for claims by increasing premiums upon renewal. Those with older pets can insure their dogs and cats with Animal Friends, as there is no upper age limit for new policies, even Lifetime cover—but there is a 20% copay (in addition to the £99 fixed excess) for dogs aged 8+ and cats aged 10+. Animal Friends doesn't have dental cover or a vet line to call with queries, however, plus claims need to be submitted within 90 days. Our price check showed a range of £130 to £390 for Lifetime cover for a healthy, young crossbreed dog, significantly lower than average.

Bottom Line: If you're very price conscious, you'll probably find a lower premium with an Animal Friends plan, plus you may prefer Animal Friends' approach to how claims affect premiums.

Other Useful Information

Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.