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Co-op Insurance: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.19 (40 reviews)

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2.19

Based on 40 reviews, last reviewed 28th Jul 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

3 star

2 star

88%

Latest highest rating:

5

No discrimination The Co-op pet insurance plan is great in that I have 24 hour access to a vet online something that is very reassuring as no vet near me does out of ho... Read more Reviewed on: 11th March 2023

Latest lowest rating:

1

Looking for any excuse not to pay out I have insured all my pets my entire adult life. I have never experience anything like this before. My dog fractured a tooth, Co-op have emailed my ve... Read more Reviewed on: 28th July 2026

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About this product

Reading customer reviews is the best way to gain genuine insight into a financial product. And when it comes to protecting your pet, you want the best policy around. We collect Co-op pet insurance reviews to help you make an informed decision when choosing your next provider.

Co-op offers pet insurance for cats and dogs with no maximum age limit. Choose between a Lifetime or Time limited policy, with each having a choice of flexible levels of cover. All policies have a discount available for Co-op members.

If Co-op sounds like the right provider for you and your pet, find out more by reading out reviews. Learn what animals policyholders have insured with Co-op and which policy they chose. Find out about the customer service and claims process. Discover how satisfied customers have been with their policies. Read all of this and more in our Co-op pet insurance reviews.

Have you had a pet insurance policy with Co-op? Share your experience with our Smart Money People community to help others like you make better financial decisions. Tell us whether you’ve insured a cat or a dog and which policy you chose. Don’t forget to tell us what level of cover you took out as well. Are you a Co-op member, and if so, were you satisfied with your savings? Have you had to make a claim on your policy, and if so, how well was it dealt with? Would you renew your policy and recommend the provider to family and friends? Leave an honest Co-op pet insurance review today.

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Co-op Insurance Pet Insurance reviews (40)

Looking for any excuse not to pay out

I have insured all my pets my entire adult life. I have never experience anything like this before. My dog fractured a tooth, Co-op have emailed my veterinary practice 3 times to try to find a way not to pay the claim. They also have a disclaimer which states if the vet doesn't reply in 30 days, they will cancel the claim. Avoid Co-op pet insurance at all costs. If this continues I will report to the Ombudsman. It is almost becoming harassment. Reviewed on: 28th July 2026

ZERO EMPATHY OR CARE

WHY????????? because when i rang to cancel they asked why, so I explained he had passed away not one iota of even fake empathy not a sorry to hear sorry for your loss just ok we will cancel!! DISGUSTING Reviewed on: 25th July 2026

My dog had an operation to remove a lump on her belly.

My dog had an operation to remove a lump on her belly. Vets submitted claim on our behalf. I had a raft of questions from Coop about the condition. They have then sent multiple questions to my vets over the last 4 weeks. Currently 6 weeks since claim was raised and still awaiting a decision. I'm not holding my breath especially having read other reviews. I will be moving to a different provider shortly. Reviewed on: 14th November 2025

Poor cover for elderly dogs, stay away

we insured our 2 dogs with the coop just over 2 years ago, the digs at the time of moving to the coop were 13 and 10. We had to unfortunately have the older dog put down this week, due to becoming very ill quickly. Contacted CO Op the next day to discuss, to be told that due to her age , they was nothing covered. They have happily taken 000's of pounds in premiums with no intention. When asked why then insure an elderly dog, just was said it is in the wording. When cancelling the policy there intermated that really over the age of 7 the dogs is getting old, however would we like to continue cover for our other dog. Reviewed on: 1st June 2025

Scammers and charlatans.

Scammers and charlatans. take two months to even look at a claim saying they’re ’very busy’ - turns out they work with some dodgy other company. Refused to pay out 2k because said was pre existing condition (I’d argue it wasn’t) and some BS about not covering illness or injury that can spread to or affect both sides of the body which is ludicrous (and hadn’t even happened in this case) and this from a supposed ‘lifetime’ policy. I also left an anonymous review elsewhere and they emailed me about it! GDPR breach much?! Call handlers couldn’t care less until you make a fuss then miraculously my case was looked at overnight (and denied). I don’t think that was a coincidence. Avoid at ALL costs Reviewed on: 7th March 2025

I got a bill from the vets for routine medical proce...

I got a bill from the vets for routine medical procedures, blood tests etc. for my pet dog, the bill come to over £300. I submitted a claim in October 2024 and despite numerous emails, Co op has not responded. I have cancelled my Direct Debit payments. DO NOT USE! They are scammers! Reviewed on: 1st March 2025

These people don't care about animals

If I could put 0 I would aviod at all cost. Our dog is 16 never had a claim were at 3 and a half months and not responce. Disgrace. We're claiming for treatment had and to see if they'll fund on- going treatment. My dogs struggling till we get an answer. Hate these people Reviewed on: 13th February 2025

Long claim times and lied!

Told us we would be covered to have some of our dogs teeth removed when I renewed (only reason we renewed with them), then took 2 months to come back on claim and refuse to pay saying it was pre-existing when it was a different condition (gingivitis a few years ago that vet did not recommend teeth be removed). Trying to still charge me for useless policy that I cancelled Reviewed on: 12th February 2025

They took over 3 months to pay out £30 claim.

They took over 3 months to pay out £30 claim. They have now only paid out on a third on a different claim. Do not take out a policy with these clowns!! Reviewed on: 11th February 2025

10 weeks and still waiting.. £3.5K out of pocket

10 weeks and still waiting. I am over 3.5K out of pocket for various CT scans at the moment and the still waiting to hear if they will pay out. My dog needs surgery that that £3.5k back is needed the vets for the said operation. When I called them, they had not even looked at the claim and had not even got the medical history from my dogs regular vets (only the referral vet). I have had to chase twice for them to even contact my vets for the relevant medical history. Absolutely terrible service. Oh and there on-line login has been unavailable since early December. Reviewed on: 29th January 2025

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