Petplan Reviews 

I can’t thank Petplan enough for covering our British shorthairs surgery. We are so grateful as would have never been about to afford it and it’s very reassuring knowing that we can offer the best treatments and life for our cat knowing that Petplan are there to support us. Thank you so much.

increase to £101 per month for a 4 year old border terrier
Good bye Pet Plan

Very disappointed in the current financial environment to receive my renewal notice only to find the monthly premium has gone up by 20% for my six year old cockapoo who has no health issues and no claims! It’s now £52.73 a month from £42.94 a month.

As pensioners we can’t afford this and I personally think it’s emotional blackmail!

I am now being asked to pay as much as I’d pay for health insurance for myself if I could afford it!

My husband rang earlier this morning and got nowhere with the advisor who said she couldn’t do anything about the price.

We are now going to have to cancel and look elsewhere for cover.

I have been with Petplan for over 16 years, but they have for the past 3 years increased their prices by 20% every year. It is important to note that whilst they have a rather nonsense video explaining the increase it also very clearly demonstrates the policies are effectively worth less. If treatment prices have increased so much as to double premiums why have your policy limits remained the same, for 16 years. Effectively the treatment cost isn’t relevant you are insuring a static policy limit. £1500 per annum to insure £7000 in treatment with an additional excess increase is ludicrously excessive. Profiteering as it’s very worst, I would prefer you didn’t respond with a “we’ll log your concern” you are effectively making pet insurance a pointless exercise.

Took a policy out for our Romanian rescue dog.

There was no option for a mixed breed which has no defined 2nd breed and they wanted to put my premium up to £370 for 'unknown overseas dog'. Then they told me I had to say what she most looked like and that I would have to pay £75 per month for german shepherd cross - even though she's not a german shepherd. Explaining this to the customer service person and their supervisor they basically said machine says no. Really disappointed.

Absolute 10/10 pet insurance company. I have had nothing but good experiences with them… from my cat needing smaller vet visits to recently, more larger procedures.. every single thing has been covered. Minimal contact needed with them once the claim is submitted and quick decisions on resolving claims, it’s always been within a week. I understand the premiums may be slightly higher than other companies but there is a reason for this, and it is absolutely worth the peace of mind. I will never go elsewhere. Thank you so much pet plan… you are what insurance companies should be!

5/5 just doesn’t cover it!
We sadly and suddenly lost our 15 week old puppy. The trauma was heavy for us to deal with as well as the loss but Petplan only communicated to let us know everything was sorted, we were left alone and everything was done for us. Easy to set the plan up and just such great dealings. Couldn’t recommend them enough!

Exploitative company, I would not reinsure my pets through this company, they raise the prices too high when your pet gets old. Just put the money in a savings account instead.
£152 a month for two ten year old cats is far too high.

My missus has a cat with Petplan and over the last few years, the monthly coverage has increased exponentially. she is now paying over £1,000 per year for coverage. Talking to Petplan is like getting blood out of a stone, and if you raise a complaint it takes up to 8 weeks for them to investigate????????
From our perspective, Petplan care more about money!

We lost our lovely cat Stan recently due to kidney failure. Nothing will bring him back, but the way Petplan handled our claim has been superb. They've paid our claim in full without any fuss or quibbling over small print.
We've always insured our cats with Petplan. I'd recently started thinking they're getting a little overpriced, but you genuinely get what you pay for.
Thank you Petplan.

A follow on a review I did on Pet plan in May about my Cat who had a ulcer on her left eye in March 2025 which was cleared up and Pet plan not only excluded Ulcers on my renewal but decided to exclude everything to do with both eyes which I didn't find out until after renewing my policy because I never read the policy and only looked at the price
Not only did Pet plan exclude anything to do with Eyes but also increased my payment for the new renewal policy
Apparently less cover bigger price
Seems to me Pet Plan have it both ways
Anyway as expected my complaint to thee company took about 6 weeks too say that there is nothing I can do about it and if I got
Letter from the vet I used that cleared up the ulcer to say that the Ulcer had nothing to do with what the Cat has now which is Glaucoma then they would think about it
First of all to get a report from the Vet would mean them doing tests plus them writing a report would cost a lot of money just to get a answer I know that will be the same as they gave me on my complaint
First of all I think it should be up to the insurance company to pay for a test and report if they are excluding something if there isn't a 100% certainy that a Ulcer has caused the glaucoma to my Cat
Many Cats get Glaucoma without having a Ulcer on their eye
Then there is the question why are they excluding everything to do with both eyes when there are a lot more conditions that my Cat can get not anything to do with ulcers or be in a accident and damage her eyes
I don't think a lot of customers realise that there are other parts of a Pets body that Pet Plan Exclude everything when they have a problem with that body part
Instead of writing some body parts can be completely excluded
Perhaps they would let people know what parts of the body they are talking about
I have asked for this information and have yet to get a answer on here or when speaking with them
I would ask this question before taking out a policy and not be shocked like I was. Plus if you are renewing a policy
You might still go ahead but unlike me you will know
Also I was told that if I had taken out a Life plan instead of the only one I could take out because of my cats age I wouldn't have this trouble
I then asked do you mean that the exclusion wouldnt have been put on the policy
So I said do you mean everything to do with Eyes wouldn't have been put on my policy if I had a Live plan
He said I never said that which made me think perhaps the Ulcer on the eye would have been covered but nothing that may cause
Perhaps someone can write me a reply giving me the answer on my queries and not keep saying Sorry get in touch with social@petplan
Anyway there is nothing I can do regarding my issue
But please be careful when taking out a policy with this company and check you are completely getting and ask them which parts of the body do they exclude everything on when there is a condition on it
Reply to Pet plan reply
You say premiums go up because Vet bills have increased
Again your answer dosn't make sense as although you say that's why you increase premiums if that's the case why didn't my Limit of the amount I can claim per policy which was £3000 last year and yet you increased my premium and yet the Limit still stayed at £3000 plus as you excluded anything to do with Eyes that again Limited what I could claim for
So I really can't see how you can give that's a reason to increase the premium cost
Also you say a ulcer can lead to a lot of other problems to the eye
Yes there are problems but usually there are signs within a year
There are also a lot more conditions a Cat get get in their eyes even that they have never had a Ulcer on their eye
They can also get Glaucoma without having ever had a ulcer on a eye
It seems that any condition a pet can get on a part of their body which could lead to 3 or 4 other conditions but not 20 other condition that they may get you can just exclude every condition they may get on that part of the body
May I also remind you that you excluded both eyes
Plus you excluding both eyes means that anyother pet insurance company will do the same
As I said my two policies for my cats have been cancelled with you
I just think you are not clear enough on your policies on what body parts are you likely to exclude every other conditions because of a condition they get
To me a Cat getting Glaucoma because of having a Ulcer on a eye a year earlier is not a 100% Certain when many Cats get Glaucoma without ever having a Ulcer
So if you would like to show me something different on what I'm saying about Cats can't get Glaucoma unless they have had a Ulcer or they can't get more conditions not having a Ulcer then having had one I would be interested

Again I will Mention that a Cat c

Classed my cane corso dog as high risk and flat out refused to insure us.
They may try and monopolise the whole pet industry along with monopolising the feed and veterinarian industry.But can they decide to create their own dangerous dog list.I thought that was what The kennel club advisory and members of parliament was for,not by some predatory aquisition megalomaniacs.I suppose they can buy a few politicians with their Spurious business model..
A real empathetic vet (a James Herriot) will be a thing of the past assigned to the history books.
Vets will be like car mechanics,if you can't pay a our extortionate repair cost with your car in bits...Walk!...
Not one person I know with petplan are happy being stiffed annually.!!

Thank you for approving my claim for Betsy she suffers with ear infections and it really is something less to worry about, very good customer service

The company is just pure evil.

I was going through some very though times while my cat got sick and unfortunately vets were not able to save him

I agreed to the treatments knowing I have insurance ( normally I wouldn't be able to afford it ).

They straight up refused paying it as apparently their policy doesn't cover numerous conditions, however my cat never got a proper diagnosis and refusal was only based on vet report.

I cannot fault Petplan for the speed with which claims are settled. On the one occasion I needed to make a relatively small claim, it was processed and paid very quickly.

However, I have serious concerns about premium increases. In 2025 my premium rose by 17%, followed by a further increase of almost 20% in 2026. As a result, the premium has increased by around 40% over the last two years.

Over the same period, UK CPI inflation was just under 6%. While some increase is expected, rises of this magnitude are difficult to understand and make it increasingly hard to regard the policy as good value for money.

My dog is a healthy breed with limited claims history, so the scale of these increases is also difficult to reconcile with the level of risk being insured.

While I appreciate that many factors influence pricing, the scale of the recent increases is difficult to understand from a customer perspective and has significantly affected the perceived value of the policy.

Overall, despite good claims handling, the level of premium increases makes it increasingly difficult to justify the policy in value terms.

I received my renewal for my pet insurance, and of course the price has increased. Like with all other insurance we have in our daily lives (car, home, technology, etc) I shopped around for comparisons and called Petplan to discuss matching these prices.
Their flat response was 'we don't discount/we don't price match'.

In essence, they hold you hostage by your emotions to renew with them for fear of losing pre-existing medical conditions if you swap to another provider. This gives them carte blanche to do what they want with premiums year after year.

I'm honestly disgusted at how this company markets itself and then the reality of being insured by them.

Once I can confirm the pre-existing conditions can be covered elsewhere, I'll be leaving them, but for now I'm not risking my pet's health so they have me right where they want me - with my money in their account.

I have been with Petplan for many many years but they have just increased the premiums by way over the rate of inflation. I am not alone in noticing this. You are in an invidious position as your pet gets older but I really feel they are exploiting people. When I make a claim it’s good service but can’t help but think they are trying to price people with cover for life out of the market, having taken premiums for years with no claim . Disgraceful.

We have been with Petplan for the entirety of our dog's life that being 11.5 years.
He had terrible allergies and that required many specialist appointments and medicines and a regular vaccine. He was last year diagnosed with prostate cancer. He lived a year longer than expected but sadly we had to put him down last month. Over this long time Petplan has been covering all the bills and fully paid for his euthanasia not charging an excess. Of course his premiums rose but we couldn't have afforded these bills without petplan insurance. Thanks so much for your service in supporting our dog Rufus the Welsh terrier over these many years. Would use you again.

Petplan claim not to have received emails when I received the auto response - same forms and invoices being sent multiple times - more recent part of the claim paid out before earlier ones - baffled at the all the 5 star reviews - every dealing I have had has been hard work - right down to having to chase euthanasia costs - far from ideal

I have been with Petplan for many years. Fortunately my dogs during this period have been pretty healthy and I have only needed their assistance on a couple of occasions. Both times my claims were paid without fuss. My current dog is now too old to undergo major surgery so I have cancelled my policy. Again no fuss. Today I received an e-mail saying they were returning my last payment to my bank. An excellent company.