The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

Petplan Policies – Review

Petplan Review RatingVerdict

Undoubtedly the UK’s most popular pet insurance provider. Although initially expensive Petplan have reputation for low premium increases.

And as neither do they raise premiums if you claim they can work out as good value for money in the long term.

You will have to pay 20% of vet fees for older pets. There are also one or two minor unexpected exclusions.

About this Review

This review of Petplan Pet Insurance policies by March 2015. For further information about how the rating of 4.2 out of 5 was arrived at please see Petplan Pet Insurance – How Good is it?

Customer Feedback

If you ask for pet insurance recomendations on forums or Facebook you will usually get several people tell you how happy they are with Petplan

The average claims satisfaction rating from 150 reviews in our recent survey was 4.6/5

See more about Petplan customer reviews


Petplan is the market leader in UK pet insurance. 

Petplan are part of the Allianz insurance group of companies and have been providing pet insurance since 1976.

Allianz Insurance is one of the largest general insurers in the UK and part of the Allianz SE Group, one of the leading integrated financial services providers worldwide.


  • Good range of lifetime policies available
  • Includes dental cover for illnesses as well as accidents
  • Optional death benefits
  • Most vets are happy to deal directly with Petplan which means you are unlikely to have to pay up front and reclaim.
  • Pet insurance specialists
  • Have a very large number of policyholders which means they are better able to spread the risk than smaller providers which helps them avoid large renewal increases.


  • Will only pay very limited prescription food (Will only pay for food which is to treat either the first occurrence of bladder stones or crystals in urine (max 40% for six months) or is liquid food given whilst your pet is hospitalised (max 5 days)
  • Will only pay for 10 hydrotherapy sessions per condition over a lifetime.
  • Do not pay for euthanasia, burial or cremation.
  • High fixed excess for dogs (£95-£105) and on some cat policies.

Other Points

  • You have to pay 20% of vet fees for pets over 8
  • Maximum age for new lifetime policies is 7 years for dogs and 9 years for cats.


Click on any policy name to view full details of the policy.

Essential Plan £3,000 Time-Limited

Covered for Life Classic £4,000 or £7,000 Lifetime

Covered for Life Ultimate £12,000 Lifetime

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  1. All my pets have been insured with Petplan, initially because it was more or less the only one. However as the years have gone by I have stuck with them because I think they are the best. Everytime I have considered moving I have heard a horror story about price hikes or companies not paying out. Initially they appear to be more expensive than others but as they don’t hike their prices over the years it is much more cost effective and you don’t get into a position that the monthly cost is just too much to afford. I haven’t claimed every year but over the length of the policy have claimed £1000’s for each pet. The other good thing is that most vets will deal direct with Petplan rather than paying and claiming back. Last year my dog had a £4k operation, having to find this (even knowing I would get it back) would have been difficult. They have also always paid out without question.

  2. Petplan lifetime insurance is misleading as cover for cats and dogs has a limit on the age of animal. As quoted for cats 9 years. So it is not a lifetime policy of your animal. This is surely a breach of contract and a trading standard issue. I am sure if they where taken to court over this for a misleading policy they would be in trouble. It needs addressing !. I am sure there would be lawyers in the no that would be interested in taking them on at there expense. Bye the way i am a cat owner all my life and apart from the 12 month jabs etc, cats tend to develop promblens only from the age of 10 upwards, so what is the point of having pet insurance. I have never had pet insurance of having cats for over 30 years. As with all insurances they are a rip off only to benifit themselves with all the excuses when you try and make a claim. Jack.

    1. Hi Giacomo. I think you have misunderstood. There is only an age limit for taking out a new policy. Providing you take out a policy before your pet reaches the specified age they can be covered for life. But certainly you should form your own opinion as to whether pet insurance is necessary for your personal financial circumstances.