Petplan pet insurance review

13 min Read Published: 18 Jun 2021

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In this independent review, we look at Petplan’s pet insurance policies for cats and dogs including the types of policy available, the level of cover on offer and how much it costs. For more information on Petplan's pet insurance for horses visit Petplan's website.

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What is Petplan pet insurance?

Petplan has been insuring pets for over 40 years and is one of the most popular pet insurance providers in the UK, with over 1.3 million pets insured to date. Petplan claims it can offer extensive cover for pets with over 97% of claims being paid and over 90% of customers renewing their policies each year.

Petplan was voted ‘Most Trusted Pet insurance provider’ at the Moneywise customer service awards in 2017 and has a 2020 defaqto rating of 5 stars. Petplan is underwritten by Allianz Insurance plc and is regulated by the Financial Conduct Authority (FCA).

Petplan pet insurance features

Below is an overview of Petplan's policy features:

tick Multiple pet insurance policies

tick Can pay your vet directly

tick Multi-pet discount

tick No penalty for making a claim

tick Online portal

What does Petplan pet insurance cover?

Petplan has two pet insurance policies, 12-month cover and Covered for Life and offers cover for dogs, cats, rabbits and horses. For more information on what each policy covers click here.

Petplan's Lifetime cover

Lifetime pet insurance is the most comprehensive cover for your pet. Petplan offers three different lifetime policies; Classic, Classic+ and Ultimate with cover for your pet for up to £12,000 per policy year. This limit then renews annually and any conditions you have claimed for will be covered for your pet’s lifetime as long as you renew your policy each year.

Petplan's Time-Limited cover

Time-limited pet insurance covers your pet for a set amount or a set period of time, whichever comes first. Petplan's time-limited policy offers cover for up to £3,000 of veterinary fees per condition for 12 months from when the condition was first noticed. After the 12 month period, the condition is no longer covered but any new conditions can still be claimed for.

Petplan only offers two types of pet insurance but these are not the only types of pet insurance available. For more information on the different types of pet insurance read our article 'What are the different types of pet insurance?'

Petplan pet insurance exclusions

Petplan does not offer cover for the following:

cross Pre-existing conditions

cross Any illness that starts within 14 days of opening the policy

cross Cremation and euthanasia

cross Pregnancy

cross Pets used for breeding purposes

cross Routine care such as vaccinations and worming etc

It is important that you read each policy carefully to ensure you fully understand the terms and conditions before opening the policy and making a claim.

Petplan policy types

Petplan offers a choice between Lifetime policies or a Time-limited policy. Lifetime pet insurance is the most comprehensive pet insurance policy available as your pet is covered for illnesses and injuries it sustains for the duration of its life. Time-limited pet insurance will cover vet fees up to a certain amount or for a certain period of time.

You can insure your cat, dog or rabbit with a Petplan policy from 6 weeks old but there are some restrictions if you want to insure an older pet with a new Petplan policy. For new Petplan Covered for Life policies, you can only insure cats up to the age of 10, dogs up to the age of 8 (5 for some breeds) and rabbits up to the age of 5. There is no upper age limit on Petplan's time-limited Essential policy, but this is only available for cats and dogs.

Petplan only offers lifetime and time-limited pet insurance however there are alternatives and you can find out more information in our article 'What are the different types of pet insurance?'

The below comparison table compares the key differences between the Petplan policies.

Petplan policies for cats and dogs

Ultimate Classic+ Classic Essential
Cover Type Lifetime Lifetime Lifetime Time-limited
Excess £110 for dogs
£95 for cats
£110 for dogs
£95 for cats
£110 for dogs
£95 for cats
£85 for dogs
£75 for cats
Veterinary fee cover £12,000 per year £7,000 per year £4,000 per year £3,000 per condition for 12 months
Complementary treatment cover £2,000 £1,000 £1,000 £500
Third-Party liability (dogs only) £3million £2million £2million £1million
Death from illness/injury £2,000 £1,500 £1,500 £1,000
Missing pet £2,000 £1,500 £1,500 £1,000
Legal helpline

Petplan policies for rabbits

Covered for Life 
Cover Type Lifetime
Excess £65 for rabbits
Veterinary fee cover £2,000 per year
Complementary treatment cover £750
Boarding fees £250 per policy year
Missing pet £250 per policy year
Behavioural conditions
Congenital, hereditary and dental cover

How much does Petplan pet insurance cost?

In the table below we have included examples of the cost of pet insurance for each of the Petplan pet insurance policies for both cats and dogs. The quotes are based on a 1-year-old mixed breed dog and 1-year-old moggy cat that live in the South East and have no underlying health conditions. The actual cost of your pet insurance will vary depending on the type, age and breed of your pet as well as where you live.

Petplan policy cost for cats and dogs

Ultimate Classic+ Classic Essential
Excess for veterinary fee £110 for dogs
£95 for cats
£110 for dogs
£95 for cats
£110 for dogs
£95 for cats
£85 for dogs
£75 for cats
Excess for complementary fee £75 for dogs
£65 for cats
£75 for dogs
£65 for cats
£75 for dogs
£65 for cats
£75 for dogs
£65 for cats
Monthly cost for a Cat £29.29 £19.84 £17.35 £12.56
Monthly cost for a Dog £62.30 £44.77 £37.86 £22.99

(Quotes correct as of 18/06/21)

Petplan policy cost for rabbits

The following quotes are based on a 1-year-old crossbreed rabbit with no underlying health conditions and living in a South East postcode.

Covered for Life 
Excess for veterinary fee £65
Excess for complementary fee £50
Veterinary fee cover £2,000
Monthly cost for a Rabbit £17.80

(Quote correct as of 18/06/21)

Petplan policy excess

The policy excess on your Petplan pet insurance will vary depending on the age and type of pet you have, as well as the policy you choose. For example, the policy excess is £100 for dogs, £95 for cats and £65 for rabbits on a Covered for Life policy. The policy excess is lower on Petplan's Essential policy at £85 for dogs and £75 for cats.

If you make a claim for complementary treatment on any of the Petplan policies the excess fee is lower at £75 for dogs, £65 for cats and £50 for rabbits. Petplan also adds a 20% co-payment on top of the excess amount when your pet turns 10 years old (7 years for certain breeds) on a lifetime policy and 8 years old (5 years old for some breeds) on an essential policy.

How to make a claim with Petplan pet insurance

Making a claim with Petplan is quick and easy. The easiest way to claim for any veterinary treatment is via your vet. Your veterinary practice can submit a claim online and Petplan will pay your vet directly if your vet is happy to receive payment this way. If you are unable to claim for treatment through your vet you can fill out the online claims form on the Petplan website.

Petplan says it will pay 90% of claims within 5 working days once your claim has been received by Petplan from the vet. You have 12 months after the date your pet has started to receive treatment to submit a claim.

Petplan customer reviews

Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.6 out of 5.0 stars from over 7,000 reviews. 83% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims. 12% rated it as 'Bad' with problems with automatic renewals and insurance premium increases.

Petplan pet insurance pros and cons

Pros of Petplan insurance

  • Comprehensive cover
  • Pays out claims quickly
  • No penalty for claiming
  • Multi-pet discount

Cons of Petplan insurance

  • Only offers lifetime and time-limited policies
  • 20% co-payment when pet reaches a certain age
  • No cover for pre-existing conditions

Alternatives to Petplan pet insurance

When it comes to pet insurance it is best to shop around for the best deal and see the different levels of cover available to find the best cover for your pet. In the comparison table below we have compared the most comprehensive Petplan policy to the most comprehensive Agria* and Bought by Many* policy. The policies are based on a 1-year-old dog (medium-sized mongrel) that lives in the South East with no underlying health conditions.

Petplan vs Agria vs Bought by Many

PetPlan Agria
Bought by Many
Excess £110 for dogs £105 + 10% of each claim
£99 per policy year
Cost £62.30 £46.42 £33.45
Vet fee cover £12,000 per year £12,500 per year
£15,000 per year
Public liability £3million £3million £3million
Loss & theft £2,000 £1,500 £6,000
Death of pet cover (if pet dies through illness or injury) £2,000 Additional extra £6,000
Trustpilot score 4.6/5 4.6/5 4.2/5

(The quotes are correct as of 18/06/21)


Overall Petplan provides good insurance cover for your pet at an affordable price. There is a relatively high excess amount in comparison to other pet insurance providers and this is payable each time you claim rather than once each policy year. Petplan does state that it has a 90% claim payout which is encouraging if you are worried about a claim being accepted. Petplan is a well-known pet insurance provider that pays your vet directly so you may not even have to pay out for any veterinary treatment at all.




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