Let’s face it – pet insurance can be perplexing. And no pet parent should have to dig around or hunt for the answers to understand their cover. Our explainer series is here to cut through the confusion and help you get to grips with your policy. Today, we’re looking at inner limits.
Up to £15,000 vet fees
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
Up to £15,000 vet fees
More info
Choose vet fee cover from £1,000 to £15,000 to suit your pet’s needs. Your limit resets each year you renew.
Tailored pet insurance
More info
Your pet is unique. Choose your limits, excess and optional extras to create a policy that fits them like a collar.
Switch with continuous cover
More info
Switch to Petgevity on a like for like basis, with no gap in cover, and your cover could start immediately**.
When you take out lifetime pet insurance, you choose an annual vet fee limit to cover your pet’s treatment throughout the year.
But many insurers will only pay out a maximum amount towards certain conditions or treatments. This is known as an inner limit.
Your annual vet fee limit and inner limits then reset back up to the full amount when you renew each year.
Some of the common conditions and treatments that insurers will put limits on are:
Always check your policy wording as this will explain if your cover has any inner limits.
For Petgevity policies, any inner limits can be found in the table of benefits in your policy wording. We call these your ‘limit of cover’. They are also included in your confirmation of cover.
Some of the limits of cover on a Petgevity policy include:
Defaqto 5 star rating when you choose vet fees over £4,000 with all optional add-ons included.
Basic cover alone has 3 star rating
Three-time winner National Insurance Awards Pet Insurance Award 2022, 2023 & 2024.
Awarded Best Pet Insurance Provider at the Insurance Choice Awards 2022.
Choosing Petgevity to protect your pet gives you more than just vet fee cover. Here's what you get from our policy.
Dental accident
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
Behavioural treatment
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Complementary therapy
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
Dental accident
More info
If your pets have a dental accident or injury, you’re covered up to your chosen vet fee limit. Just make sure you’re taking them for annual check-ups and following vet dental advice.
Behavioural treatment
More info
Get expert help with your pets’ emotional and mental well-being, as advised by a vet. Covers up to your chosen vet fee limit (maximum 12 sessions, combined with complementary therapy).
Complementary therapy
More info
This includes alternative treatments like hydrotherapy or acupuncture, as advised by a vet. Cover up to your chosen vet fee limit (maximum 12 sessions combined with behavioural treatment)
Emergency care
More info
If you have an emergency (like an unplanned hospital visit) and can’t look after your pets, you get up to £1,500 towards pet minding costs.
Third-party liability for dogs
More info
This is when your dog causes injury to someone or their pet, or causes loss or damage to another person’s property. Cover for up to £2,000,000 for legal action made against you or your dog.
Choice of optional extras
More info
Choose from a range of optional extras to suit your pets’ needs, such as dental illness and cover if your pets get lost or stolen.
|
ManyPets | Petplan | Agria | |
|---|---|---|---|---|
| Maximum vet fees | £15k per year | £15k per year | £12k per year | £20k per year |
| Cover for pre-existing conditions? | ✓ | ✓ | ✗ | ✗ |
| No compulsory excess? | ✓ | ✗ | ✗ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 9) | 20% (from age 7) | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ | ✓ | ✓ |
|
|
ManyPets | |
|---|---|---|
| Maximum vet fees | £15k per year | £15k per year |
| Cover for pre-existing conditions? | ✓ | ✓ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 9) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
|
|
Petplan | |
|---|---|---|
| Maximum vet fees | £15k per year | £12k per year |
| Cover for pre-existing conditions? | ✓ | ✗ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | 20% (from age 7) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
|
|
Agria | |
|---|---|---|
| Maximum vet fees | £15k per year | £20k per year |
| Cover for pre-existing conditions? | ✓ | ✗ |
| No compulsory excess? | ✓ | ✗ |
| No compulsory co-payments for older pets? | ✓ | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | ✓ | ✓ |
| Dental treatment for accidents? | ✓ | ✓ |
| Behavioural treatment and complementary therapy? | ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £15k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✓ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | 20% (from age 9) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £12k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✗ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | 20% (from age 7) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
| Maximum vet fees | |
|---|---|
| £15k per year | £20k per year |
| Cover for pre-existing conditions? | |
| ✓ | ✗ |
| No compulsory excess? | |
| ✓ | ✗ |
| No compulsory co-payments for older pets? | |
| ✓ | Min. 10% (from any age) |
| Tailor limits per pet on a multi-pet policy | |
| ✓ | ✓ |
| Dental treatment for accidents? | |
| ✓ | ✓ |
| Behavioural treatment and complementary therapy? | |
| ✓ | ✓ |
†For Lifetime policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording.
*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.
**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.