9 of 18 insurers by customers

Read customer reviews for Petplan Pet Insurance offering Lifetime cover and 12 month cover products designed to provide cover for as many conditions as possible. Petplan claim to pay out on 97% of all claims and that 90% of their policy holder renew each year. They can pay vets direct and claim to settle 90% of claims in 5 working days. Petplan support 1,000 animal welfare charities in the UK and have the Petplan Charitable Trust.


  • 149 reviews
  • Excellent
    23% Complete
  • Very Good
    3% Complete
  • Average
    1% Complete
  • Poor
    9% Complete
  • Terrible
    63% Complete

Choose between Petplan's Covered for Life (lifetime Cover) policies and their Essential 12 month (Time Limited) cover policy. The Covered for Life policies cover any illness or condition for life, as long as your policy is renewed without a break in cover, and within your policy limits (Pay out limit options available of £12,000, £7,000 or £4,000 for Vet Fees. Other limits apply). The policies also cover for congenital, hereditary and behavioural conditions.

The Essential policy covers any illness or injury for a 12 month period or £3,000, whichever is reached first. After this time, the condition will no longer be covered.


Variable fixed excess for Lifetime cover plus a 20% co-pay introduced at a dog's 7th, or 10th birthday (breed dependent) and all cat's 10th birthday. Variable fixed excess for the Essential 12 month cover policy and 20% co-pay is introduced at the dog's 5th or 8th birthday (breed dependent) or a cat's 8th Birthday.

Age Limits

From 6 weeks old or 8 weeks old if sold by a licenced breeder.

Waiting Period

Injuries are covered immediately, Illness cover starts 14 days after policy inception. 

Additional Policy Information
Can they pay your vet direct?


Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

Petplan is the UK's No 1 pet insurer. They offer 3 levels of Covered for Life policy with varying Vet Fee limits and an Essential 12 month policy. They pay 97% of all claims and 90% of claims are paid within 5 working days. Petplan work closly with the veterinary profession and can pay your vet direct.

Petplan Pet Insurance Reviews

Insurer: Petplan
Posted: 18/01/2021

Made to pay excess twice for the same lump. Poppy was taken to the vets in November for a lump which I paid the excess, due to my vet having Covid & my husband having a serious accident which as left him paralysed, Poppy’s op did not take place till Jan...



Insurer: Petplan
Ann Gavienas
Posted: 13/01/2021

Honestly !!... do not take insurance out with Petplan, they’re rubbish they just close the claim . I paid £900 out after paying in to Petplan fir years and didn’t get a penny . DO NOT USE PETPLAN!!! Absolute rubbish but happy to take your money every...


Labrador Retriever

Insurer: Petplan
Marisa Weekes
Posted: 26/11/2020

I'm so Annoyed!! So when my foot was broke in two places, I wasn't able to look after my dogs. So they went into kennels, on my insurance papers it said how much it would be covered whilst dogs are in the kennels which took a weight off of my mind.. I was...