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Petplan: Pet insurance reviews

View other Petplan products
4.67
Based on 2,350 reviews, last reviewed 21st Aug 2026
700% increase in 5 star reviews
in the past 90 days
50% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
5%
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1%
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0%
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Latest highest rating:

5

Expensive but worth every penny. Lola is now 8 but we’ve had Petplan insurance for her since bringing her home. Each year the price goes up and it is very expensive. But because Lola ... Read more Reviewed on: 21st August 2026
Wammer's avatar
Wammer

Latest lowest rating:

1

Stay away to avoid Heartbreak in time of need! We have been with Petplan for over 7 years. We took out a lifetime policy, and by this year the annual premium was £4,000, with payments of around £18... Read more Reviewed on: 20th July 2026
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Meir
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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 (2350)

Expensive but worth every penny.

5
Lola is now 8 but we’ve had Petplan insurance for her since bringing her home. Each year the price goes up and it is very expensive. But because Lola is a cross breed susceptible to health issues we felt it was worth it. We have claimed numerous times without issues. The cat just takes our plan number and contacts them directly. I do not have to do anything. Petplan then keep me updated with the claim. Recently we had to claim for a specialist vet at a hospital which could have cost thousands of pounds but Petplan met all costs. My only negative is the monthly costs. Currently it is just under £100 per month and next year will go up again. But it does take the worry away. Reviewed on: 21st August 2026
Wammer's avatar
Wammer

Petplan Animal Insurance

5
They are extremely efficient and pay out on claims so quickly. They pay our vet direct so we don’t have to find the money first. They offer tips and suggestions for health and nutrition, based on the animal you have. I wouldn’t choose any other company. Reviewed on: 20th August 2026
Shelley 's avatar
Shelley

Excellent and stress free experience when claiming f...

5
Excellent and stress free experience when claiming for my cat. I have used Petplan twice for when my cat needed surgery. Easy to use service and clear terms and clear process. PetPlan paid my vet directly which meant less stress for me. Reviewed on: 20th August 2026
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SHorsfall

Reliable and comprehensive

5
They are very reliable and no hidden tricks to them the only downside is they are a lot more expensive than any other provider Reviewed on: 19th August 2026
Tracey O's avatar
Tracey O

Stay away to avoid Heartbreak in time of need!

1
We have been with Petplan for over 7 years. We took out a lifetime policy, and by this year the annual premium was £4,000, with payments of around £180 a month for our 11-year-old mixed-breed dog. We had never made a single claim until recently, when my girl needed emergency surgery. The surgery took place weeks ago, and to this day, they still haven't made a decision or reimbursed the vet clinic. Furthermore, our second claim for a holiday cancellation, which we had to cancel after receiving the devastating diagnosis that our girl only had a month to live, was completely rejected. This was despite providing all the necessary documentation for a claim of just £266. To make matters worse, after we appealed, a manager explicitly admitted a mistake was made and reopened the claim, only for them to reject it a second time based on the exact same arbitrary excuse. To make matters worse, my sweet girl has since passed away, and of course, they provide absolutely no help with cremation or euthanasia costs. A company that ignores you, makes mistakes, and makes your life harder during a time of grief definitely doesn't deserve anyone’s money. You are much better off putting that money into a savings account over the years than relying on their services. Please avoid them at all costs!!! Formal Financial Ombudsman Service (FOS) complaint pending. Reviewed on: 20th July 2026
Meir's avatar
Meir

Essential pet cover

5
Great cover for my pet, all the right treatments covered and easy to claim Reviewed on: 17th July 2026
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Ginger

Petplan. Peace of Mind

5
Petplan is expensive but you get what you pay for. It’s peace of mind for when you loved pet gets poorly. They paid out swiftly when my cat needed treatment which came to thousands, but it meant we could save her life having that back up if petplan insurance. Reviewed on: 16th July 2026
JoMa's avatar
JoMa

Great Pet Insurance

5
Firstly, 4 weeks free insurance for my rabbit when registering at my local vets so he was fully covered from that same day. I looked around during the 4 weeks for cheaper quotes and Petplan by far offered the best deal. 15% discount for continuing the cover after 4 weeks but the Petplan policy covers illness and injury to a much higher amount than some insurers and the excess is reasonable too. All terms and conditions are clear and concise and I like the fact they are a well known and trusted insurer so it gives me peace of mind that my rabbit will be well covered should anything happen to him Reviewed on: 16th July 2026
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J R

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
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Belinda Swinnerton

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