Petgevity vs Petplan
Which Pet Insurance Is Better?
Petgevity offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Petgevity
Petplan
Editor's ChoicePrice & Cover Comparison
| Metric | Petgevity | Petplan |
|---|---|---|
| Editor Rating | 3.6/5 | 4.5/5 |
| Dog Price From | £15.00/mo | £12.00/mo |
| Cat Price From | £10.00/mo | £8.00/mo |
| Max Vet Fee Limit | £15,000 | £12,000 |
| Excess From | £95 | £60 |
| Trustpilot Score | 3.8/5 | 4.0/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Petgevity | Petplan |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Petgevity
Pros
- Pre-existing condition cover on Lifetime Plus, rare in the UK market
- No upper age limit on Lifetime Plus policies
- Vet fee cover up to £15,000 per year, resetting on renewal
- One policy can cover up to eight pets
- FirstVet 24/7 video consultations available as add-on
Cons
- Premiums tend to be higher to reflect cover for older pets and pre-existing conditions
- Some useful features (dental illness, travel, missing pet) are paid add-ons rather than standard
- Trustpilot score and review volume modest for a UK insurer
- No Defaqto rating yet
Petplan
Pros
- UK's most established pet insurer with 45+ years experience
- Defaqto 5-star rated — comprehensive lifetime cover up to £12,000/year
- Direct vet payment available — no large upfront costs
- No upper age limit for policy renewals
Cons
- Premium pricing — more expensive than budget alternatives
- Excess includes a percentage co-payment for older pets
- Online portal can feel dated compared to newer insurtech competitors
Editor's Verdict
Petplan earns a higher editor rating (4.5 vs 3.6), reflecting stronger overall value. Petgevity provides higher maximum vet fee cover (up to £15,000), which may suit owners who want comprehensive protection. On price, Petplan starts from just £8/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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