11 of 24 insurers by customers


Read customer reviews for Petplan Pet Insurance who offer Lifetime cover and 12 month cover products designed to provide cover for as many conditions as possible. Their insurance covers vet consultations, diagnostic tests, prescription medicines, surgery and specialist care, physiotherapy and pet therapies, hereditary and congenital conditions, dental injury and illness and cancer treatments, and they offer multi-pet discounts.

Their Covered for Life plan offers the choice of either £4K, £7K or £12K cover for vet bills each year, and as this is a lifetime cover policy, conditions are covered year after year if your policy is renewed and there is no break in cover.   

Petplan's Essential plan is time-limited so cover for any condition lasts 12 months or until the vet fee cover limit of £3k is reached, whichever happens sooner.  

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.

Petplan's customers say they are satisfied with their claims process and speed of payouts, but some customers find their insurance expensive and not everyone has a good experience, with delays in settling bills.



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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
A Constantinou
Posted: 25/05/2024

My petplan policy only covers a condition in the year that it is raised and then removes cover in future years. This means you end up paying for insurance but petplan does not really take much risk. Most of the risk stays with the pet owner. It’s my fault...


Welsh Terrier

Insurer: Petplan
Lucas Massone
Posted: 17/01/2024

I recently started using Pets at Home and was recommended to use Petplan for my pet insurance. Surprisingly, it turned out to be more expensive than the competition, but I decided to give it a try. Unfortunately, when I attempted to make a claim for an...



Insurer: Petplan
Susan Stone
Posted: 28/11/2023

Signed up to Pet Plan as my last dog passed away in 2022 with a tumour in her foot, and after several thousands of pounds she passed away but I knew she was old so I was at peace with this. After getting another dog I decided to take out pet insurance...


Mixed Breed