PetPlan Review: Fully Updated For 2023

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PetPlan is the UK’s leading provider of pet insurance, insuring 1.3 million pets in the UK. They provide cover for dogs, cats, rabbits and horses.

They’re recommended by the Supervet, Noel Fitzpatrick and have won several awards for their cover. Still, read our review (and other PetPlan reviews) to make sure they’re the right company for you. You can also see where they came on our list of best pet insurers.

petplan logo
  • UK’s leading pet insurer
  • 97% of claims paid
  • Up to £12,000/yr vet fee cover
  • Cover pets from 6 weeks old
  • £12 multi-pet discount
  • 10% online discount

What Does PetPlan Cover?

PetPlan offer two types of pet insurance policy;

  1. Time-limited (Essential), and
  2. Lifetime (Classic, Classic + and Ultimate)

That said, they only offer lifetime policies for rabbits. Also, equine insurance has its own rules and policies.

EssentialClassicClassic +Ultimate
Vet Fees£3,000£4,000£7,000£12,000
Complimentary Treatment£500£1,000£1,000£2,000
Third-Party Liability£1 million£2 million£2 million£3 million
Death From Illness/Injury£1,000£1,500£1,500£2,000
Boarding Fees£1,000£1,500£1,500£2,000
Advertise/Reward For Missing Pet£1,000£1,500£1,500£2,000
Loss by Theft or Straying£1,000£1,500£1,500£2,000
Holiday Cancellation£1,000£1,500£1,500£2,000
Quarantine Expenses£1,000£1,500£1,500£1,500
Emergency Repatriation£500£500£500£500
Multi-Pet Discount (Per Pet, Per Year)£12£12£12£12
Pet Owner Support Package
Pet Bereavement Helpline
Legal Helpline

If you’re not sure how much cover you need, have a chat with your vet. They will be able to let you know how much treatment is likely to cost if your pet ever needs it.

PetPlan says they pay 97% of claims (figures from 2019). That breaks down to;

  • 98% of 883,000 covered for life plan claims (98% dog, 98% cat, 97% rabbit), and
  • 89% of the 90,000 Essential plan claims (dog 89%, cat 89%)

On top of that, they also say they have paid 90% of those claims within 5 days of receipt. If you prefer, they can pay your vet direct.

What Does PetPlan NOT Cover?

It’s one thing to know what your pet insurance covers. It’s even more important to know what it doesn’t cover. That way, you’ll not get a nasty shock when you try to claim.

With that said, this is what PetPlan doesn’t cover;

  • Pre-existing conditions – any illness or injury (or signs of them) your pet has suffered before starting a policy.
  • Your first 14 days – any illness that occurs within the first 14 of your policy start date.
  • Routine treatments – like worming and flea treatments etc.
  • Preventative treatments – like vaccinations.
  • Older pets – dogs over 8 (some over 5), cats over 10 years and rabbits over 5 years aren’t eligible for lifetime pet policies. (This is for new policies. If your pet reaches these ages while they’re covered, the cover will continue).
  • Pregnancy and breeding.
  • Euthanasia or cremation.

For more information about PetPlan’s policies, you can read their policy documents here:

petplan logo
  • UK’s leading pet insurer
  • 97% of claims paid
  • Up to £12,000/yr vet fee cover
  • Cover pets from 6 weeks old
  • £12 multi-pet discount
  • 10% online discount

How Much Does PetPlan Cost?

PetPlan aren’t cheap. In fact, they’re among the most expensive pet insurers. How much you’ll pay depends on;

  • Your pets breeds
  • Their medical history
  • Their age
  • Where you live, etc

We based our dog and cat quotes on 2-year-old, mixed breeds as they’re the most common. Our rabbit was a one-year-old mixed breed. They’re all healthy and all live in Lincoln as that’s where Pet Checkers is based.

EssentialClassicClassic +UltimateRabbit Plan

These are the monthly costs and have 10% online discount added.

How Much is PetPlan Excess?

PetPlans’ excess is more expensive than other pet insurers. They charge £85 on their time-limited policies and £110 on their lifetime policies. If your pet needs complementary therapy, they’ll charge you £75. For public liability, you’ll need to fork out £250.

Once your pet reaches 10 years old, you’ll have to pay your excess, plus 20% of your claim. For breeds with a higher risk of health issues, this change happens when the animal reaches 7 years old.

petplan logo
  • UK’s leading pet insurer
  • 97% of claims paid
  • Up to £12,000/yr vet fee cover
  • Cover pets from 6 weeks old
  • £12 multi-pet discount
  • 10% online discount

How Industry Experts Rate PetPlan

Defaqto and Which? have rated PetPlan as one of the UK, best pet insurance companies.

Which? use a percentage scoring system and Defaqto use a 5 star system. This is how they score PetPlan.


They have also won numerous awards award for their cover, including;

feefo trusted service award for petplan
pet plan awarded the yourcat best pet insurance 2021
pet plan awarded the yourdog best pet insurance 2021
petplan logo
  • UK’s leading pet insurer
  • 97% of claims paid
  • Up to £12,000/yr vet fee cover
  • Cover pets from 6 weeks old
  • £12 multi-pet discount
  • 10% online discount

Customer Reviews of PetPlan

Paying customers look at insurance differently than ‘industry experts’. So, to get a more realistic understanding of how good PetPlan are, look at how their customers review them.

Here’s how they score overall on Trustpilot;

petplan trustpilot score

As you can see, PetPlan are very highly reviewed by their customers overall.

The Good

positive petplan reviews

It appears that PetPlan excel when it comes to making the claims process easy. Customers have a high level of trust that they will pay out when they claim.

The stats back this up, with PetPlan paying out on 97% of claims during 2019.

The Average

3 star petplan reviews

There are very few average customer reviews of PetPlan. Of the ones there are, many talk about how expensive PetPlan becomes as their pets get older.

Once your pet reaches a certain age, you’ll need to pay the excess, plus 20% of the claim. This means some customers start to find their policies become too expensive to be worth it. Even more so if their pets develop an ongoing condition.

The Bad

negative reviews of petplan

Petplan’s negative reviews seen to revolve around;

  • Rising costs: Again, as your pet gets older, your premiums will rise and you’ll have to contribute more to the cost of treatment. If you make a claim, then chances are your renewal fee will increase. Many customers feel the rising costs of their premiums are unfair or unjustified. That said, our research suggests this is a problem across the industry, not exclusive to PetPlan.
  • Refusal to payout: PetPlan says they pay out on 97% of claims. That said, when you consider they insure 1.3 million pets, a small 3% of unpaid claims is still a big number. Also, our research tells us that people are more likely to leave negative reviews than positive ones. Especially when emotions run high, which they often do when our pets are involved. On balance though, PetPlan isn’t a company that tries to wriggle out of paying.
petplan logo
  • UK’s leading pet insurer
  • 97% of claims paid
  • Up to £12,000/yr vet fee cover
  • Cover pets from 6 weeks old
  • £12 multi-pet discount
  • 10% online discount

How Does PetPlan Compare to Other Insurers?

To see whether PetPlan are the right insurer for you and your pets, it helps to compare them to similat companies and policies.

Here’s they stack up against other insurers we recommend.

PetPlanJohn LewisBought By ManyAgria PetWaggel
Vet Fees (per year)up to £12,000up to £12,000up to £15,000up to £12,500up to £10,000
Third-Party LiabilityUp to
Up to
Up to
Up to
Up to
Pre-Existing ConditionsCase by CaseNoYesNoNo
DentalIllness & InjuryInjury OnlyPolicy DependantIllness & InjuryIllness & Injury
Free Vet CallsNoYesYesYesYes
Lost or Stolen Petsup to £2,000up to £1,500Optional ExtraOptional Extra£1,000
Death From Accident/Illnessup to £2,000up to £1,500up to £6,000up to £2,500£1,000
Multi-Pet Discount£12 per pet5%15%5%No
Read Our ReviewRead Our ReviewRead Our ReviewRead Our Review
Turn Your Phone to Landscape to View This Table Fully

Frequently Asked Questions

In many cases, your vet can make a claim with PetPlan on your behalf.

To claim yourself, log into your PetPlan customer dashboard. All your and your pet’s details will e pre-populated and you’ll be able to submit your claim online.

Alternatively, you can call them on 0330 102 1540.

Although they don’t advertise it on their homepage, PetPlan will cover some pre-existing conditons on a case-by-case basis.

For more information read about PetPlans Approach to Pre-Existing Conditions.

To cancel your policy, call PetPlans Customer Service Centre on 0345 071 8000 or send a written confirmation to:

Great West House (GW2)
Great West Road


That said, they do have a 10% online discount and a multi-pet discount of £12 per pet, per year. To claim your discounts, get a quote and sign up online.

To Sum Up

PetPlan is the UK’s largest pet insurer so it’s clear they’re doing something right.

They pay out 97% of claims, 90% of which are within 5 days. In fact, we have found their claims process is quite favorable. They also say that 90% of their customers renew each year.

All that said, they aren’t cheap. If you’re price-conscious, shop around and get quotes from other insurers.

Photo of author

Ben Doyle

Ben Doyle co-owns Pet Checkers with his wife, Vicki. He spends his days looking after all kinds of animals, from dogs to eagles. When he's not taking care of animals, he's writing about them.


At Pet Checkers, we've been providing the very best pet care Lincoln has to offer since 2013.

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