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Petplan: Pet insurance reviews

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4.72
Based on 2,343 reviews, last reviewed 12th May 2026
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Latest highest rating:

5

My dog became poorly and required tests, an overnigh... My dog became poorly and required tests, an overnight stay at a vet hospital. All the claim was sorted out between the vets and Petplan so quickly. I ... Read more Reviewed on: 15th October 2025
Charlotte G's avatar
Charlotte G

Latest lowest rating:

1

Repeated underwriting errors for 10years! We insured our Siberian Husky, Ghost (our son), with Petplan from puppyhood because we trusted their reputation and believed we were choosing the best... Read more Reviewed on: 12th May 2026
Ayoni Singh's avatar
Ayoni Singh
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About this product

Petplan is one of the most well-known pet insurers in the UK.

Petplan promise to never charge you more for claiming and they’ve created policies that cover some things other insurers don’t. You can get pet insurance for dogs, cats and rabbits. There’s also a multi-pet cover option.

Petplan pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Petplan before, you can also leave a review and share your experience.

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Petplan Pet insurance reviews (2343)

Repeated underwriting errors for 10years!

1
We insured our Siberian Husky, Ghost (our son), with Petplan from puppyhood because we trusted their reputation and believed we were choosing the best protection possible for our pets. Sadly, our experience has been extremely distressing. As a puppy, Ghost had a mild cosmetic valgus observation which was fully assessed by Fitzpatrick Referrals, one of the UK’s leading orthopaedic specialist centres. Their European orthopaedic specialist confirmed there was: no clinical disease, no pain, no functional abnormality, no treatment or management required, and stated: “I would consider him to be a NORMAL dog… this is purely COSMETIC.” Ghost then remained fully active for approximately 9.5 years: long hikes, sledding, bike towing, running, with no symptoms, no medication, and no treatment relating to this so-called “pre-existing” condition. We made a claim relating to the Fitzpatrick referral in 2018, which was later rejected in 2019. In that response, Petplan acknowledged that the underwriting team had not written the policy correctly regarding exclusions, yet still declined the claim. Due to the COVID pandemic and serious family illness at the time, we were unable to pursue the matter further through the Ombudsman. Fast forward 6 years later, in 2025, Ghost developed completely new age-related conditions including spondylosis and arthritis affecting multiple joints and different parts of the body. Before proceeding with expensive stem cell treatment, we specifically contacted Petplan multiple times from August 2025 onwards to clarify whether ANY exclusions existed, particularly regarding his historic valgus observation and previous claim rejection. We were explicitly told in writing that: “There are no exclusions… we missed to place it and won’t be adding one.” I made several additional calls to further clarify policy wording and Ghost’s previous history. We were repeatedly reassured that there was no exclusion relating to valgus deformity. We relied on this confirmation before proceeding with treatment costing thousands of pounds. Despite this, the claim was later rejected and retrospective exclusions were subsequently applied approximately 9.5 years after the policy began through what was described as a “mid-term policy adjustment.” Petplan had opportunities to correct any alleged underwriting issue in: 2016, 2019, and throughout the following 6 years, yet remained silent until a major claim was submitted. What has been most disappointing is not only the financial impact, but the emotional distress caused while trying to secure treatment for a beloved family dog approaching 10 years old. We are now pursuing this matter formally due to serious concerns regarding: retrospective underwriting, contradictory information, and failure to properly consider specialist veterinary evidence. We strongly encourage pet owners to carefully review their policies and obtain written confirmation of exclusions, even where none appear on renewal documents. We currently pay over £300 per month for Ghost alone and have two dogs insured with Petplan. Based on our experience, we no longer feel the service reflects the reputation of the company we originally trusted. We will continue pursuing this matter and sharing our experience publicly so other pet owners are fully informed. Reviewed on: 12th May 2026
Ayoni Singh's avatar
Ayoni Singh

Missed checkup by 3 months won't pay 2 years later

1
I have had petplan insurance for the past 4 years. I renewed my policy this year and as my dog missed her check up appt by 3 months petplan wouldn't pay out a claim 2 years later! Typical insurance company, always trying to find a reason not to pay. No different to any other. I would not recommend. No UK call centres either Reviewed on: 27th February 2026
Belinda Swinnerton's avatar
Belinda Swinnerton

My dog became poorly and required tests, an overnigh...

5
My dog became poorly and required tests, an overnight stay at a vet hospital. All the claim was sorted out between the vets and Petplan so quickly. I didn't have to worry about paying up front or chasing up any costs. A fabulous insurance, and my dog is now fit and well. Reviewed on: 15th October 2025
Charlotte G's avatar
Charlotte G

Making claims

5
We've been with Petplan for over 12 years. During this time whenever we have had to make a claim it has always been quick & easy. Reviewed on: 1st October 2025
Amanda B's avatar
Amanda B

Brilliant service

5
We had a terrible time with our dog who suddenly developed acute pancreatitis. She was very ill and needed to go to a second vet practice for overnight care. I really expected it being at two vets that I would be out of pocket but petplan paid both bills within a week. I can't fault them. Reviewed on: 30th September 2025
Allison B's avatar
Allison B

Insurance that actually pays out when you need it

5
I took a risk with PetPlan because their monthly rates are higher than most, but they were recommended by my vet and I had a feeling my cat would end up developing health issues (he is a former stray, so had very little health care in his early years). It has paid off following his diabetes diagnosis. In less than a year I have broken even because PetPlan do not quibble on costs. They take the advice of the vet and pay quickly - just today, I have received £320 back from a claim raised two days ago. You take a risk with the up front costs but in PetPlan's case, they deliver. Reviewed on: 30th September 2025
Gem T's avatar
Gem T

Great service

5
In the few times I have claimed for Alfie i have always had a very quick and postive response . Communication is very good. Reviewed on: 28th September 2025
Anne Marie Printy's avatar
Anne Marie Printy

Been a customer for over 11 years and have two dogs...

5
Been a customer for over 11 years and have two dogs insured with PetPlan. Their customer service is excellent very friendly staff and extremely helpful. I have no issues with claims they deal with them very quickly. Their policies are very user friendly and explain everything from cost (monthly) and excess applied and any changes. The only downside is that it can be slightly expensive compared to other Pet Insurance companies but I wouldn’t change. Reviewed on: 28th September 2025
Margaret T's avatar
Margaret T

The best pet insurance around!

5
We have always used petplan for all of our dogs, the only insurance we will use. Petplan has always paid out for claims we have made, and are often quick to do so. When our Dalmatian got diagnosed with epilepsy, we were faced with a bill of just under £5k, worried about not being able to afford to pay that outright, the vets were able to contact Petplan who dealt with the claim directly. Saving us the worry of having to pay straight away, and later claim back. Reviewed on: 27th September 2025
Lake's avatar
Lake

Always had very quick payments without any hassle.

5
Always had very quick payments without any hassle. Reviewed on: 26th September 2025
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Little Archies mum

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