Pet insurance reviews
Petplan is a UK pet insurance provider reviewed here for pet owners comparing cover. This page looks at accident-only, time-limited, maximum benefit and lifetime-style cover, where available; a clear plus is that the page brings owner review context together in one place, while a clear drawback is that you still need to check the insurer’s latest policy wording directly before relying on any feature.
Thinking about Petplan Pet Insurance? Here you'll find reviews from Petplan customers covering everything from claims handling to customer service, so you can see what it's like to be insured with Petplan before you commit.
Petplan is one of the best known pet insurance brands in the UK and has specialised in pet insurance for decades. The insurer offers a range of cover levels including lifetime policies designed to help with ongoing conditions year after year, subject to renewal terms.
Petplan says it works closely with vets and animal welfare organisations and is widely recognised within the UK pet insurance market. It is part of Allianz Insurance plc.
Most known for: Lifetime cover and long-standing relationships with UK veterinary practices.
Petplan typically applies a 20% co-payment once pets reach a certain age, usually age 10, or age 7 for some dog breeds. This means you contribute 20% of eligible vet fee claims on top of your fixed excess. Petplan says customers are notified at least a year before this change takes effect.
Petplan frequently applies introductory online discounts to first-year premiums. Renewal pricing will not usually include that introductory discount.
Dental illness and injury are included within Petplan's lifetime policies, subject to the policy terms and requirements such as regular dental examinations and recommended treatment being carried out.
Petplan offers direct payment to vets as standard, meaning you may not need to pay the bill upfront and wait to be reimbursed.
Petplan launched a digital tool in October 2025 called Cover Certainty, which allows your vet to instantly check your policy details before treatment begins. This includes whether your pet's condition is covered, how much of your vet fee allowance remains, and what your excess is. The tool is available 24/7 through Petplan's veterinary portal at petplanvet.co.uk, including for emergency out-of-hours care.
Petplan operates a Claims Pricing Guarantee, which means they state they will not increase your premium solely because you have made a claim.
Currently, £12,000 appears to be the highest annual lifetime vet fee limit available from Petplan.
Petplan is part of Allianz Insurance plc.
Full policy wording is available directly from Petplan, and terms and cover can change over time.
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The reviews on this page are written independently by real customers based on their own personal experiences. Honest Pet Insurance does not earn commission on clicks or sales. Some insurers pay a flat fee for a link to their own website in our directory, this does not influence our editorial content, the reviews shown or how providers are presented on this site.
If any provider details shown here are inaccurate, or if you represent an insurer and would like your company considered for inclusion, email info@honestpetinsurance.co.uk. Listings are for general information only and do not constitute a recommendation, endorsement or financial advice.