PetPlan Review: Fully Updated For 2021

by Ben Doyle

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.

In this review we’ll cover;

  • Their policy choices
  • Policy exclusions
  • How much it costs to insure your pets
  • What experts and customers say about PetPlan

They’re also recommended by the Supervet, Noel Fitzpatrick and have won several awards for their cover. Still,read our review (and other PetPlan reviews) before you make a decision. You can also see where they came in 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.

Our guide to pet insurance might also help.

PetPlan says they pay 97% of claims (figures from 2019). They also say they pay 90% of 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 is 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?


How much your Petplan policy costs 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
Dog£19.04£23.65£28.76£39.05
Cat£10.10£13.58£15.52£21.78
Rabbit£12.32

These prices have PetPlan’s 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.

EssentialClassicClassic+Ultimate
Which?66%66%66%66%
Defaqto3*5*5*5*

They have also won numerous awards award so 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 still find paying for medical treatment 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 is unfair or unjustified. That said, our research suggests this is a problem across the industry, not exclusive to PetPlan.
  • Refusal to payout: PetPlan claims to 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, 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

To Sum Up


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

They pay out on 97% of claims, 90% of which within 5 days and they also say that 90% of their customers renew each year.

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

Also, compare policies and find out what each provider covers.


Ben Doyle

My name is Ben Doyle and I co-own Pet Checkers. I spend most of my time looking after all kinds of animals, from dogs to eagles. When I'm not taking care of animals, I'm photographing them and writing about them here on our website.


About

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

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