Petplan Review

Cat, Dog, Rabbit and Horse Insurance

Petplan is the UK’s largest pet insurer and is owned and underwritten by Allianz Insurance plc. While Petplan prices aren’t the cheapest, with Petplan you get a pet-specialist insurer with a solid reputation and rules on submitting claims that are relatively favourable to the pet owner.

PetPlan Logo

Positives

  • Dental injury AND illness
  • Quick reimbursement
  • Long window to submit claims
  • Vets accustomed to submitting claims

Negatives

  • Anyone wanting a new Lifetime policy for an older pet
  • Higher premiums
  • No euthanasia cover
  • No vet nurse helpline

Overview

Petplan pet insurance is not only the UK’s largest pet insurer but is also one of the best pet insurance providers for financial protection in case your beloved dog or cat is injured or falls ill. Customers can choose between £3,000 and £12,000 of vet fee cover, but before you buy check out our price comparison because Petplan is on the expensive side.

If you’re on a tight budget, you may want to consider options like BoughtByMany, 4Paws, VetsMediCover, Scratch & Patch and Animal Friends

What to consider with Petplan pet insurance

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents. I should be incapable of drawing a single stroke at the present moment. I throw myself down among the tall grass by the trickling stream; and, as I lie close to the earth. Thousand unknown plants are noticed by me. When I hear the buzz of the little world among the stalks, and grow familiar with the countless.

How do Petplan premiums compare?

According to our research, Petplan is one of the more expensive pet insurance brands in the UK. In fact, Petplan prices can be around 60% more than the average cost of pet insurance you’ll find elsewhere for similar coverage limits.

Direct quote comparisons can be tricky for pet insurance, since coverage levels, features and excess amounts vary across insurers, but we’ve compared the Petplan Lifetime policies to competing Lifetime policies with similar vet cover limits from 4Paws, Vetsmedicover, Scratch & Patch, Pet Protect, BoughtbyMany, Legal and General, ASDA and Puffin. We used a 3-year-old Labrador Retriever as our sample dog to see how Petplan prices compare.

Sample Monthly Premiums for Lifetime Cover for a 3-Year-Old, Spayed Male Labrador

Petplan Lifetime Price Comparison £3,000 – £5,000 vet cover £6,000 – £8,000 vet cover £10,000+ vet cover
Petplan £61.2 £76.4 £103.6
UK Average £41.6 £47.1 £62.1
Petplan is more expensive by: 47% 62% 67%
 

We found that Petplan lifetime policies started from £61.20 a month for our 3-year-old Labrador, going up to £103.6 a month for the highest level of cover (£12,000 of vet bills a year). These prices were around 60% higher than the competing plans. The best value could be found on Petplan’s Classic plan offering £4,000 of lifetime cover.

chart showing how Petplan dog insurance quotes compare to the average in the market
Petplan is more expensive than competing plans

Petplan prices by breed

We also checked prices for 3-year-old dogs across a dozen popular breeds in the UK. These are just estimates and prices may be different for you, but this can give you a rough idea and you can see how prices compare across the breeds. Dogs that have more genetic health problems like French Bulldogs cost a lot more to insure than dogs that are typically healthier, like terriers.

Petplan monthly price estimates by dog breed (aged 3 years) Classic Classic+ Ultimate
Terrier Cross £37.15 £46.40 £77.74
Cockapoo £43.95 £54.90 £74.20
Cocker Spaniel £43.95 £54.90 £74.20
Border Terrier £46.38 £57.93 £78.93
Springer Spaniel £49.45 £61.77 £83.47
Cavalier King Charles Spaniel £57.06 £71.28 £95.54
Pug £57.06 £71.28 £95.54
Staffordshire Bull Terrier £58.74 £73.38 £98.35
Golden Retriever £60.07 £75.04 £91.00
Labrador £61.19 £76.44 £103.57
German Shepard £75.10 £93.82 £183.97
Boxer £118.05 £147.48 £264.51
Doberman £163.85 £204.70 £324.44
French Bulldog £163.85 £204.70 £324.44

Petplan key facts

  • Choice of Time Limited (£3k) or Lifetime cover (£4k, £7k or £12k)
  • Dental injury or illness cover (annual dental exams required)
  • 90% of claims paid within 5 working days of receipt
  • One year to submit claims
  • 20% copay for older pets
  • Pre-existing conditions not covered
  • Euthanasia not covered

Tip: If you want a Lifetime plan for your older pet, be sure to sign up before your dog reaches 8 years of age (or your cat turns 10).

Petplan key features

Below is a brief overview of the more notable features of Petplan dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.

Petplan Pet Insurance Features  
Complementary Therapy Acupuncture, homeopathy, herbal medicine, Chiropractic manipulation, osteopathy and hydrotherapy (performed by a recognised party)
Dental Cover Cover for dental injuries and illnesses, provided your pet had a dental exam by a vet in the 12 months leading up to the injury/illness
Holiday Cancellation Cover for travel and accommodation expenses if you have to cancel a trip because you pet is injured or showing signs of illness within 7 days of your departure and needs immediate life-saving treatment; cover if you have to curtail a trip because your pet goes missing or is injured or shows signs of an illness while you’re away, and needs immediate life-saving treatment
Boarding if You’re Unwell Boarding costs if you’re in hospital for 4 or more consecutive days
Travel Cover for up to 90 days per policy year when travelling to countries in the EU through the PETS travel scheme
Congenital & Hereditary Diseases Covered
Euthanasia Not covered
 

Types of Petplan Policies

Petplan offers two types of policies—lifetime and 12 month. Generally speaking, Lifetime policies are best for younger pets to protect the owner against the financial strain of recurring/chronic injuries/illnesses over the course of the pet’s life. Time Limited cover can be purchased for older) that aren’t eligible for new Lifetime cover due to age.

Petplan Covered for Life: Lifetime Cover

Petplan’s most popular policies are the “Covered 4 Life” Lifetime plans. As long as you keep paying your premiums, a lifetime policy will cover injuries and illnesses throughout your pet’s life. For example, your dog’s ear infections at aged 2, aged 5, aged 6 and aged 9 would all be reimbursable illnesses.

Those looking for Lifetime cover should purchase a policy before their pet hits the “older” pet cutoff of 8 years for a dog (5 for some breeds) or 10 years for a cat. Older pets are not eligible for new Covered 4 Life policies; however pets who joined Petplan under a Lifetime policy before the age cutoff can continue under a Lifetime plan as they age.

Petplan Lifetime Plans Vet Cover up to
Classic £4,000
Classic+ £7,000
Ultimate £12,000
 

Petplan Essential: 12-Month Cover

Petplan’s Time Limited, 12-month insurance option is called the “Essential” plan. Cover for any injury or illness will last up to 12 months, but not longer. As a result, recurring or chronic health issues will not be reimbursed beyond one year.

Essential cover does not offer the following features that are included in Covered 4 Life plans as standard: death from injury & illness (available as extras), advertising & rewards, loss by theft or straying, emergency boarding fees, holiday cancellation, quarantine & loss of documents and repatriation.

Petplan Time Limited Plan Vet Cover up to
Essential £3,000 per condition, up to 12 months from initial occurrence
 

Petplan Coverage Amounts

Policy Name: Essential Classic Classic+ Ultimate
TYPE: 12-Month Cover Time Limited Policy “Cover 4 Life” Lifetime Cover “Cover 4 Life” Lifetime Cover “Cover 4 Life” Lifetime Cover
Veterinary fees (each year) £3,000 (£85 excess per illness/injury) £4,000 (£110 excess per illness/injury) £7,000 (£110 excess per illness/injury) £12,000 (£110 excess per illness/injury)
Complementary treatment (each year) £500 (£75 excess per illness/injury) £1,000 (£75 excess per illness/injury) £1,000 (£75 excess per illness/injury) £2,000 (£75 excess per illness/injury)
Third-party liability (£250 excess for each property damage claim) £1 million £2 million £2 million £3 million
Death from illness or injury £1,000 optional extra £1,500 optional extra £1,500 optional extra £2,000
Advertising & rewards (each year) n/a £1,500 £1,500 £2,000
Loss by theft or straying (each year) n/a £1,500 £1,500 £2,000
Emergency boarding fees (each year) n/a £1,500 £1,500 £2,000
Holiday cancellation (each year) n/a £1,500 £1,500 £2,000
Quarantine expenses & loss of documents (each year) n/a £1,500 £1,500 £1,500
Emergency repatriation (each year) n/a £500 £500 £500
 
 

Petplan policies and coverage

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine. I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents. I should be incapable of drawing a single stroke at the present moment. I throw myself down among the tall grass by the trickling stream; and, as I lie close to the earth. Thousand unknown plants are noticed by me. When I hear the buzz of the little world among the stalks, and grow familiar with the countless.

Petplan ratings and reviews

More than 3,000 customers have rated Petplan with 4.5 stars on Trustpilot as well as 4.4 stars on feefo by over 7,000 customers.
  • The Yoga Yajnavalkya is another early text on yoga that provides description of Yoga techniques and its benefits. Two of its Sanskrit palm-leaf manuscripts have been dated, one is from the early 10th-century CE and another more firmly

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  • The Yoga Yajnavalkya is another early text on yoga that provides description of Yoga techniques and its benefits. Two of its Sanskrit palm-leaf manuscripts have been dated, one is from the early 10th-century CE and another more firmly

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  • The Yoga Yajnavalkya is another early text on yoga that provides description of Yoga techniques and its benefits. Two of its Sanskrit palm-leaf manuscripts have been dated, one is from the early 10th-century CE and another more firmly

    Hana Smith
    Customer
  • The Yoga Yajnavalkya is another early text on yoga that provides description of Yoga techniques and its benefits. Two of its Sanskrit palm-leaf manuscripts have been dated, one is from the early 10th-century CE and another more firmly

    Mildred Reed
    Customer

Petplan contact Info

Phone : (1)-1234-4444
Email : Contact@GoodLayers.com