Petplan Pet
Insurance Review
Editorial review only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links.
Overview
Founded in 1976, Petplan has grown to become the UK's most recognised pet insurance brand. Underwritten by Allianz Insurance plc, one of the world's largest financial services groups, Petplan provides the reassurance of a financially robust insurer. Their Covered For Life policies ensure that ongoing conditions continue to be covered year after year, provided you renew without a break. Petplan covers vet fees up to £12,000 per year on their top-tier plan, including dental treatment, behavioural therapy, complementary treatments, and third-party liability for dogs. Their direct vet payment option means you don't have to pay upfront in many cases. With no upper age limit for renewals, they stand by pets throughout their lifetime.
Key Facts
Founded
1976
Pets Insured
1.3 million+
Underwriter
Allianz Insurance plc
Cover Types
Lifetime, Max-benefit, Time-limited
Pet Types
Dog, Cat, Rabbit
Vet Fee Limit
£2,500–£12,000
Excess From
£60–£160
Waiting Period
14 days
Max Pet Age
No upper age limit for renewals
Pros & Cons
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
Cover Features
Prices From
Dogs from
£12.00/mo
Cats from
£8.00/mo
Prices are indicative starting prices and may vary based on breed, age, and postcode.
Editor's Verdict
The gold standard in UK pet insurance. Petplan's comprehensive lifetime cover, backed by Allianz, makes them the safest choice for pet owners who want peace of mind. Premium pricing is justified by the breadth of cover and reliability of claims.
Learn More About Petplan
Visit Petplan's website to compare cover options and find out more about their policies.
Visit Petplan WebsiteAffiliate link. See our methodology.
Important: VetCost provides information for comparison purposes only. We do not arrange, advise on, or sell insurance products. All information is editorial and should not be considered financial advice. Always read the policy documents and contact the insurer directly before purchasing cover. Some links on this page are affiliate links and we may earn a commission at no extra cost to you.