PetTrac Pet Insurance Review

Many complaints arise because the pet insurance policy wasn't read carefully enough and customers were unaware of specific exclusions, or excesses and co-insurance payments for example.

That is why reading the policy document and familiarising yourself with the cover is so important. To assist, we have highlighted important exclusions, we think you should know about. PETtrac do not cover;

1. Any treatment recommended by your vet to prevent illness or injury.
2. The killing or controlling of fleas, the use of general health enhancers.
3. Any treatment that is unconventional or unlicensed.
4. Any pet used for breeding, racing, guarding, personal protection, or search and rescue.
5. Vaccinations and if you do not keep your pet vaccinated, any claims that result from any illness that they should have been vaccinated against.
6. Spaying, castration, or retained testicles.
7. The costs of housecalls, out of hours surgery, hospitalisation, or emergency transportation, unless the vet considers it necessary.
8. The cost of purchasing or hiring equipment.
9. Any dog, whether pedigree, cross or mixed breed that belongs to the following breeds Dogo Argentino, Fila Brazillero, Japanese Tosa, Pit Bull, Shar-pei, Wolf or Wolf Hybrid dog and any animal registered under the Dangerous Dogs Act 1991.
10. Third Party Liability claims for the following breeds American Bulldog, American Indian Dog, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, or any dog crossbred with any of these breeds.
11. Any claim for Rabies, Avian Influenza or variant.
12. Death as a result of an illness if the pet is aged 5 years or above at the date of death.

PETtrac policies cover complementary treatments up to 25% of the vet fees limit, which depends on the level of cover selected.

Complementary treatments include Physiotherapy, acupuncture, homeopathy, osteopathy, hydrotherapy, chiropractic and
alternative medicines recommended by or carried out by your vet or a trained person.

The accident and illness policies also cover behavioural treatments up to £200.

The PETtrac Accident and Illness policy covers clinical diets up to £200, described as A clinically formulated diet prescribed by your vet as part of your pet’s treatment for a specific condition. Note this does not cover costs of a clinical diet prescribed for weight reduction.

The accident and illness policy covers dentistry up to the vets fees limit caused by an injury or illness.

The accident and illness policy covers MRI/CT scans and cruciate ligament claims up to the vet fees limit.

All policies cover the cost of euthanasia, including cremation and burial costs up to £200.

You can insure up to 5 pets under the same policy (dogs or cats). There is a 10% multi pet discount available for insuring more than one pet.

Pettrac do not cover your pets pre-existing medical conditions. Pet Guard describe pre-existing conditions as;

"Any condition, or complication directly resulting from or relating to that condition that has been identified or investigated by a vet or that has the same diagnosis, clinical signs or symptoms as a condition prior to the start of this insurance, regardless of the areas affected in or on your pet’s body".

PETtrac will not cover any pet used for breeding or any treatment associated with pregnancy or giving birth.

Pettrac give you the option to extend your policy so your pet can join you on a European holiday.

If you are plan to take your pet on a European holiday under the Pet Passport scheme, this cover option will extend your UK cover to EU countries. It will cover you for as many trips as you like providing each trip away from the UK is no longer than 60 days.

In addition to the extension of vet fees cover whilst abroad, the policy also covers, emergency repatriation expenses, additional quarantine costs, loss of your pets health care certificate and repeat worming treatments.

There are no cover for treatments, or death caused by an illness that occurred within the first 14 days of any new policy.

The standard policy excess for all Pettrac policies is £100. In addition there are specific excesses for certain sections of the policy.

Holiday cancellation – the first £75 of any claim.
Accidental damage to third party property – the first £75 of any claim.
Accidental damage to pet accessories – the first £50 of any claim.
Emergency expenses – the first £50 of any claim.
Third party liability – the first £250 of any property damage claim.

When your pet turns 8 (cat or dog) The excess increases to the first £100 plus 20% of the remaining cost of treatment.

For example, if your claim is for £1,000, your contribution would be £100 plus 20% totalling £280.

The Pettrac pet insurance website is simple to use. A page explains the cover options, allowing you to compare benefits, read the eligibility criteria and policy wording before proceeding with a quote.

There is no frequently answered questions section and PETtrac don't operate live chat, but if you have a question, you can either phone or email them.

The quotation system is quick and easy to use. The only downside is that you don't get a side by side comparison of costs/cover and although there is easy access to the policy, once you made your choice, you are not provided with a breakdown of cover or sums insured.

The 27 page policy wording is neatly laid out and easy to follow. It includes a summary of cover, useful table of contents and helpful definitions. Sections are easy to read and understand. Perhaps no surprise then that it scored 62 out of 100 in our tests, which classed the text as average reading and that could be read and understood by anyone with a reading age of 11 - 13.

PETtrac cannot be found on any comparison websites. For a quote visit PETtrac direct.

Pettrac does not include a pet health or vet consultation helpline.

We were unable to find any customer reviews on PETtrac's pet insurance policies.

There are no administration charges.

A 20% online discount is available to all new policyholders.

PETtrac policies provide excellent levels of cover and we have awarded 5 stars to the £6,000 and £12,000 limit policies to reflect that fact.

The £6,000 limit policy is competitive in comparison to other policies that provide similar levels of cover. The £12,000 is more expensive, but this is to be expected based on the high level of vet fees cover it offers.

Unlike many Pet Insurers, PETtrac will cover working dogs (A dog that is being used for shooting or hunting; to work with livestock; or to perform tasks to assist a human companion, including therapy-dogs.)

You can view the levels of cover being offered by PETtrac below. You can compare all pet policies here and we also have guides on the best pet insurance for specific breeds.