Protectapet Diamond Healthcare Plan
Diamond Healthcare Plan by Protectapet offers up to €12,500 in annual cover with 100% reimbursement. It has a 0-day accident waiting period and 21-day illness waiting period. In practice, cover duration is annual. Travel cover is described as base residence cover applies in the country of residence; european travel is offered as an optional add-on.
Key facts
- Annual limit: €12,500
- Reimbursement: 100%
- Excess: —
- Dental: —
- Travel: Optional European travel
- Cover duration: Annual
Highlights
- Highest annual cover on the site - up to EUR 12,500 a year, marketed as around four times typical competitor limits.
- Fixed premiums for life that do not increase with age or after claims.
- Lost or stolen pet passport / health certificate cover up to EUR 750.
Waiting periods
- Accident: 0 days
- Illness: 21 days
Special waits / notes
—
Travel & residency
- Travel cover: Optional European travel
- Residency: Public materials indicate cover is designed for pets resident in the country of cover (Spain, with Portugal, Greece and Cyprus also mentioned).
- Moving abroad: —
Treatment details
- Preventive care: Vaccinations are not covered. The pet must be kept up to date with vaccinations, boosters, and normal preventative care.
- Complementary treatment: —
- Behavioural treatment: —
Conditions & exclusions
- Pre-existing: Pre-existing conditions are not covered. Illnesses or injuries present before the start date, or showing signs during the initial waiting period, are excluded.
- Hereditary / congenital: —
- Key exclusions: —
What stands out
- The excess/deductible and any per-condition limit are not published online and should be confirmed on a quote.
Best for
- Owners who want the highest available annual limit and stable premiums for older or higher-risk pets.
Not ideal for
No specific drawbacks flagged.
Included features
Use any vet
Access
Included
Any veterinary clinic of the owner's choice.
Boarding fees if owner hospitalised
Additional benefit
Included
Boarding or cattery fees if the owner or partner is hospitalised for more than 48 hours.
Accidental death benefit
Benefit
Included
Accidental death benefit included (amount not published for this tier), including processionary caterpillar and cane toad poisoning, subject to conditions.
Any age / breed accepted
Eligibility
Included
Public materials indicate any age and any breed accepted from 8 weeks, including dangerous breeds.
Hereditary / congenital conditions
Exclusion
See details
Hereditary and congenital conditions are excluded under the wording reviewed.
Pre-existing conditions
Exclusion
See details
Pre-existing conditions are not covered.
Fixed premiums for life
Pricing
Included
Advertised as fixed premiums for life that do not rise with age or after claims.
Loss of Passport & Health Certificate
Travel
Included
€750
Lost or stolen pet passport / health certificate replacement up to EUR 750.
Illness waiting period
Waiting period
Included
€21
Illness cover begins after 21 days.
Immediate accident cover
Waiting period
Included
Accident cover starts immediately.
Before you buy
Product details are based on policy information reviewed so far and may change over time. Always check the provider’s latest policy wording and official documents before purchasing.