Whether you have a cat or dog insurance policy, you must take reasonable precautions to maintain your pet's health throughout the policy year and to prevent any illness, injury or loss. Therefore you must arrange and pay for your pet to have an annual dental examination and general check-up (including vaccinations) and follow any veterinary advice given by a vet in order to prevent oral disease. By continuing with these regular check-ups, this shows us that you have played your part in caring for your dog or cat, so we can play ours. If you fail to have a dental check and follow any veterinary advice given at the time it may affect a claim for a dental related condition.
As a responsible pet insurer and advocate of responsible pet ownership, Petplan wouldn't do anything to discourage our customers from getting their dog or cat treated when they are unwell or injured. It is for this reason that we do not have a 'no claims discount', as it may encourage people not to seek vet treatment for fear of losing their potential ‘no claims discount’.
We would like you to submit your claim as soon as your pet has been treated by your vet. However, you are required to submit a claim within 12 months of your vet's invoice date for the relevant accident, injury or illness treatment.
If you choose not to vaccinate your pet that is your choice, but if the pet was to then get an illness for which a vaccine is available you would not be able to claim for the costs of the treatment as you have not taken all necessary precautions. If your pet is not vaccinated it will not affect you claiming for an unrelated illness.
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