Petplan Sanctuary Insurance Review

PetPlan Sanctuary Insurance: Comprehensive Coverage for Shelter Pets

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PetPlan Sanctuary is a specialized pet insurance offered by PetPlan, an industry-leading company in the field of pet insurance. With PetPlan Sanctuary, pet owners can expect the highest level of coverage available, providing comprehensive protection for accidents, illnesses, genetic conditions, routine care, and even alternative treatments like acupuncture or chiropractic care. This article will delve into the details of PetPlan Sanctuary, including the types of coverage it offers, policy highlights, pricing information, and how to file a claim.

Types of Insurance Coverage Provided by PetPlan Sanctuary:

PetPlan Sanctuary offers insurance coverage for a range of shelter pet organizations, categorized into three main areas:

  1. Liability: This includes public liability coverage of up to £5 million, protecting against legal claims in case your business activities cause harm to someone or damage their property. Additionally, PetPlan Sanctuary provides professional indemnity coverage of up to £100,000 to safeguard your business against claims resulting from negligent advice or services. Employer’s liability coverage is also available, which is a legal requirement if you have employees or volunteers working for you.
  2. Animal Care: This coverage is designed to cover expenses associated with animals in your care. The coverage limits represent the maximum amount you can claim per animal in a policy year. Examples of coverage under this category include veterinary fees (£1,250), death of an animal (£1,250), loss by theft or misappropriation (£1,250), loss of boarding fees (£350), ad and excess (£350), cattle in transit (£2,000), and custodial liability insurance, which protects against claims of negligence made by someone using your services under normal contracts or terms of trade.
  3. Building and Property: This category covers damages to buildings, materials, or stock due to accidental damage. It may also include coverage for money shortages, goods in transit, lost or stolen keys (beneficial for pet professionals with access to clients’ homes), business equipment such as computers, and specific risks like mobile equipment used away from your business premises, such as grooming equipment or baths.

Is Liability Insurance Covered by PetPlan Sanctuary?

Yes, PetPlan Sanctuary includes public liability coverage, which is an essential type of insurance for businesses to consider. Some local authorities or clients may require proof of public liability coverage. PetPlan Sanctuary offers public liability coverage of up to £5 million. Additional liability limits can be found in the section above.

Cost of PetPlan Sanctuary Insurance:

The cost of coverage will vary depending on factors such as the type and size of your business. For example, a dog walker may pay around £130 per year for coverage, which increases to approximately £186 when adding on £10 million of employer’s liability coverage for 10 individuals as standard. To get an accurate cost estimate, you can obtain a quote directly from PetPlan Sanctuary.

Exceptions to PetPlan Sanctuary Insurance:

As with any insurance policy, it is important to review the company’s contractual documents to be aware of any exclusions and how they may apply to your business. Notably, PetPlan does not cover the wear and tear of Sanctuary equipment. Additionally, there is an excess amount applicable to most claims, varying depending on the type of coverage the claim is related to.

Filing a Claim with PetPlan Sanctuary:

To file a claim related to animal care, you can download a claim form from the PetPlan Sanctuary website, specifically on the “Making a Claim” page. Fill in the required personal and claim details, and then submit the form to Riversdown Braithwaite (Sussex) Ltd at the provided address. For all other claims, you should contact PetPlan Sanctuary’s customer services at the telephone number 0345 070 1064.

Please note that the information provided is accurate as of the article’s publishing date, and it is always advisable to review the specific terms and conditions of the insurance provider for the most up-to-date information.

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