Petplan Reviews 

Very disappointed with Petplan. My dental claim was rejected despite veterinary records showing a normal oral examination before the issue was identified. The rejection was based on a gap between vet appointments, and I don’t believe the decision fairly reflects the policy wording or the evidence. I have submitted a formal complaint.

I expected much better from a pet insurance provider. Would not recommend based on my experience.

Claim has been ongoing for over 3 weeks!! sent information and it was never received. Staff always make you feel like a problem when you call and are not friendly. No one knows what is going on and my claim is still ongoing and has been over 3 weeks. I’m likely not to renew both of my pets after this experience. Petplan used to be the go to, after my first claim a while back on my dog Freddie I couldn’t speak highly enough. My current experience with my other dog is nothing short of awful, the length of time being taken on such a simple claim ( over 3 weeks) has meant I’m not being able to afford to continue his treatment and I’ve had to cancel a well needed surgery! petplan have put me in financial detriment and my dog is also suffering due to the delay. I will not be renewing and no longer recommending to family and friends.

Worst experience ever, all what I’m asking is clarity they still processing claim from 2 months .
They can’t even answer one question when I’m gonna get result

I was previously insured with another pet insurance provider, but I recently switched to Petplan specifically because their policy includes dental treatment coverage.

However, my very first claim was declined, with Petplan stating: "Your pre-authorisation request for dental treatment has been declined as no veterinary dental examination has been carried out within the last two years."

My cat underwent a dental assessment just a few weeks ago. Unfortunately, his dental condition deteriorated rapidly due to the sudden development of an abscess, resulting in the extraction of several teeth. Despite this, Petplan has refused to cover any of the treatment costs.

What I find particularly frustrating is that the policy states that a dental assessment must have been carried out within the last 12 months. Nowhere does it clearly specify that a dental examination must have been conducted within the previous two years.

This discrepancy makes the rejection seem unjustified and raises serious concerns about the transparency of the policy's terms and conditions. It feels as though Petplan is using an unclear requirement as an excuse to avoid paying a legitimate claim, leaving us to face substantial and unexpected veterinary bills.

I find this situation extremely disappointing and unfair, particularly as dental coverage was one of the main reasons I chose to switch to Petplan.

I would like Petplan to provide a clear explanation of the grounds for rejecting my claim, identify the specific policy clause supporting the two-year requirement, and reconsider its decision in light of the dental assessment my cat recently received.

My lab is 13 years old, I have been with Petplan since his birth and paid a total of over 22 k during his lifetime in monthly payments to those scammers.
Dear dog lover, save your money in a separate account for hard times or ask a financial adviser for help in investing your money rather than give it away for free to Pet Plan who is using all of us to make huge profits !!Do not get fooled by these greedy people and their advertising techniques for they know how much we love our pets and they prey on this love .

⭐ 1 Star – Extremely stressful experience. I would not recommend Petplan.

My experience with Petplan has been absolutely appalling, and I have completely lost trust in this insurance company.

My dog Rose had mastitis and postpartum metritis in January 2026, before my policy began in February. She subsequently developed pyometra in July and required emergency surgery in August. What followed has been an exhausting and incredibly stressful claims process.

I have repeatedly been asked to provide medical records and information that I had already submitted. Instead of feeling like my claim was being handled efficiently, I felt as though I was constantly going around in circles, chasing answers and having to repeat myself. The lack of clear communication and the ongoing uncertainty have caused me unnecessary stress at an already worrying time.

When you pay for pet insurance, you do so expecting support when your beloved pet becomes seriously ill. You do not expect to spend so much time chasing the insurer and repeatedly dealing with the same requests. I understand that claims need to be assessed, but I expect that process to be organised, transparent and fair.

I was so dissatisfied with the way everything was handled that I submitted a formal complaint on 13 September 2026. It is incredibly disappointing to feel that you have to fight so hard just to have your concerns addressed.

In my opinion, the whole experience has left me feeling misled and let down by a company I trusted to protect my dog. I have reached the point where I no longer feel comfortable continuing to pay for a policy with Petplan because my confidence in them has been severely damaged.

Pet insurance is supposed to provide peace of mind during frightening situations, not add another layer of stress and frustration. I would strongly encourage other pet owners to consider carefully whether this is the experience they want to risk when choosing an insurer.

I would never have expected to be left feeling this way about a company I was paying to help protect my beloved dog. My experience has been exhausting, disappointing and completely unacceptable to me.

So my dog had a cough for one day when arriving with us
Totally fine after this then about 16 days later and 18 days before we had the claim in and he got poorly and they are trying not to disguinsh a cough due to change of enviorment and use the day one cough as the same thing which it was not . Complaint is going in really as thats a big con! Using the 14 day period saying those are two of the same things when he was fine after first day .
Will be taking matters further

Petplan had already paid out on one significant claim for our cat, Elsa, in 2023. In September 2026, Elsa suddenly became ill and was referred to a veterinary hospital in Birmingham. After a £2000 CT scan, she was diagnosed with a terminal cancer that affected her lungs and spine, and we felt we had no option but to put her to sleep immediately. Petplan were excellent and paid the full claim, along with a sympathetic email. When we do get a new cat next year, we will absolutely use Petplan again.

Took out petplan whole of life cover when I purchased my dog. Even though it was a major cost for me being a single parent with other mitigating circumstances. Have paid duly even though the price has quadrupled sice taking the policy out and if you miss a payment you lose the whole of life cover. I have put in a small claim by comparison, and have been rejected due to not following the rules they keep changing so cover gets less and less. Woul not recommended. You would be better opening an account and putting a monthly sum in ready for when you need it

Was with petplan for over 10 years with my cats. My cat went missing and I was not given paperwork from the microchip company or vets when reported. Due to this I was not reimbursed for the £1k I spent trying to find her. They also did not refund me the £43 a month I was paying whilst they spent several months sending me emails requesting information I had previously corrected or provided on multiple phone calls and emails with them. Would not recommend.

I cannot recommend petplan enough, for 13 years they have paid every claim we've ever had to make for our dog. Our vets send the claims and petplan send payment straight to the vets so it's easier. We don't have to keep ringing, that way we can concentrate on getting our boy the best care. Cancer, dermatitis, infections and dental cleaning all covered. Yes they are one of the more expensive plans BUT i strongly believe if we had of gone with a cheaper company then they would not have covered as much. Our boy recently passed away and they were incredible, i didn't realise they paid for the euthanasia so that was a weight lifted. Strongly recommend

It is with heavy heart that I have had to cancel my PetPlan policy for my 2 dogs.
I was mis sold the policy when it was started:- I wanted a policy that covered all dental work. After conversation with a customer service advisor today, it became clear that one of my pets would never have been covered due to previous dental work carried out by the Dogs Trust, who I got the dogs from several years ago. I have paid 4 years worth for the policy and the company clearly knew they would not pay out. This fraud needs to be highlighted to help others avoid this company.
In my view- DO NOT USE PETPLAN.
M

Really disappointed with Pet Plan and their restricted dental policy. Feel really abandoned following my dog's dental and the fact that Pet Plan refuse to cover, despite me checking with them pre-surgery and being assured that this dental would be covered. Out of pocket and will not renew with Pet Plan.

This review is for existing and potential customers - I am not a customer myself.
I am writing this because I am still receiving mail for a previous occupant of my house (I do not have a forwarding address) and despite returning the mail with information that their client no longer lives here and has not done so for over 11 years, they still write each year.
It is my strong suspicion that they do this because they are taking pet insurance money annually even though it is unlikely that the pet is still alive - by chasing the correct whereabouts of their client via mobile or email it would mean verification that payments are no longer warranted.
Although I do have two pets I am really pleased that I do not use PetPlan. Their treatment of this client is awful, despite being told for 11 years that she no longer lives at the address they have. This uncaring company has done absolutely nothing to connect with her.

very good service
very easy to deal with, great service!

This company is a scam payout over £1500 a year and when make a claim its not covered under terms Avoid Avoid Avoid

PETPLAN -DONT TRUST THE ADVERT OR THEM - September 2026

Yes the add on TV comes across as a very caring company, the best insurance for your peace of mind and your beloved pets. Even recommended by your vets. Don't be fooled, even with that well known vet in their advert. Petplan is a front name for Allianz insurance and we all know that insurance companies do their utmost to get out of paying.
Having been a loyal customer for over 10 years with my dogs, this year I needed this current insurance policy for my dog Milo. There was an unfortunate incident and Milo bit someone entering my gated drive. Petplan ask to inform them ASAP if anything happens. I did this straight away and within hours of me informing them, Milos liability cover was removed and backdated to July, the renewal date of my current policy. I had reported the incident in good faith and also told them that Milo had been put to sleep on the day of the incident. I questioned their action. In their reply they said perhaps in 24 months after training for Milo, the cover could be reinstated. Milo was dead, no one had listened or read the emails I sent, so uncaring and heartless.
I raised this again by email and phone to be told they would be in touch in 7 to 10 days. 3 weeks have now gone by, and no one has bothered to get in touch. They even took the next full months premium from my bank account. What will happen next month? Will they demand payment. They also said that the liability part of the policy was only £5 and I'd get that reduction. What use is that, I don't have a dog anymore.
I'm 80 years old, have never needed a legal solicitor in my life and now I'm having to deal with a liability claim on my own. It's been a terrible experience, made even worse by Petplan/Allianz's heartless and thoughtless action.
I've read some of Petplans reviews and I wondered if the answers are AI generated as the same wording is repeated time and time again. It also seems that they only have 2 people doing all the replies Alison and Becky, they must be busy ladies.
IS PETPLAN/ALLIANZ SO BAD? YOU BET THEY ARE, SO BE VERY WARNED.
How can AI possibly deal with such traumatic events?
My next letter is to the Ombudsman, see if help can be sought there. Harry Mason 19th October 2026

Petplan were brilliant with my cat's claims when he has skin cancer, and never had an issue paying quickly for him.
I took out a policy with my dog and the price jump was too much and then communication was not good when I queried it-took 3 weeks and 2 emails chasing up to respond. I ended up cancelling the policy as I was quoted the wrong price over the phone, and then my new quote for the year ended up being over £70 for a 2 year old small dog with no existing health issues/claims. I am quite disappointed by this as they were so good and affordable before, but knowing that price will go up every year and he's only 2 has made me look elsewhere. It doesn't seem expensive on the website at first but the amount it increased over the span of a year was ridiculous

Monsters who denied our insurance because we dared to see a freelance vet for their opinion on our dogs condition beforehand. These people are parasites who don’t want to help you or your animal and will weasel their way out for any reason they can find, don’t give them anything. Whoever owns this company I hope one day you get Whats coming to you.

I currently have free insurance for one month. Trying to establish whether I should continue with Petplan has been an ordeal. I just called back after a missed call and the operator was incredibly rude. I was simply trying to ask questions about the policy and I got scolded for asking and interrupting his script! Please train your operators.