Do you agree with Petplan Pet Insurance's TrustScore? Voice your opinion today and hear what 799 customers have already said.
Petplan Pet Insurance is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 1.8 out of 5 stars. Last reviewed March 6, 2026.
This company is a SCAM! They will not let you cancel without a fight and if you cancel after they bill you, they will not prorated and refund like all insurance companies do. They will increase your rates at will without notifying you. They CANNOT be trusted
I have been a customer of Petplan for five years and insured multiple pets with them. Until recently, I had every intention of remaining a loyal customer.Earlier this month, I had to make the devastating decision to euthanise my young cat after she was unexpectedly diagnosed with a congenital heart condition. Up until her final hours she had been in good spirits, so this was a complete shock.The claim submitted related to euthanasia costs only. The cost was less than the annual premium I had paid. I even made it clear during my call that I was willing to cover the vet charges myself. The claim was originally left with the insurer at the suggestion of the vet, who advised they would contact me if there were any issues.Instead of a compassionate explanation, I was told during a call that I had acted “recklessly” and the conversation implied potential fraud concerns. I was also warned that my details could be shared in a way that might impact future insurance applications.To be spoken to like this while arranging to collect my cat’s ashes was deeply upsetting. If the policy did not cover certain elements (such as cremation), that should simply have been explained and declined clearly. Accusations or insinuations of dishonesty were unnecessary and distressing.I had always paid premiums on time and even paid for minor previous vet visits privately without claiming. There was never any attempt to gain financially.I am sharing this so other pet owners are aware of how sensitive claims can be handled. Losing a pet is traumatic enough without feeling accused or threatened during the process.I hope Petplan reviews its training and approach when dealing with bereavement-related claims, because empathy and clarity matter.
Having never made a claim in 7 years for my house rabbit, he suddenly (as rabbits can do) became very unwell. The course of a 3 night stay in the vets with scans, treatments, diagnostics left a bill of over £2900. I forwarded my vets a copy of the policy on the night of admission and the direct pay had been authorised upon discharge with me having £72 to pay. The receptionist told me that lots of people cancel their insurance if they haven’t made a claim within the first couple of years - I’m so pleased I maintained my policy and it means that no matter what the future outcome, I know I have done everything I possibly can for my bunny, and the seamless service from PetPlan made what was an incredibly stressful and upsetting time significantly easier. Thank you to PetPlan!
After paying petplan for my cat for 15 years (which is now at a monthly fee of £79!!) the very first claim I made which is for dental treatment (£600-800) is rejected because he doesn't have dental history spanning the last two years. This also took over a month for the pre-authorsiation team to let me know whilst my cat is suffering. There is no compassion or customer loyalty here whatsoever. I feel completely let down
Constant price hikes. Zero claims. Young cat. Its a digrace. Premiums cost more than my car insurance by £20. Cancelled!
My daughter inn law took out insurance for her dog with this company. Since taking it out her dog has been diagnosed with bladder issues and needs surgery. She has been in touch with pet plan and been told that her dog isn’t covered for the operation. She wishes that she didn’t go with them but because it’s now an ongoing problem she can’t change company’s The operation is going to be very expensive. She is still trying to get it covered by them. She thought she was going with a very pet rated company now wishes that she hadn’t. Avoid at all costs and double check what you are covered for
Stuck in a loop in their customer service system with multiple people/AIs replying to the same email without looking at what has already been discussed. Took too long to finally get a straight answer on an issue of supposedly missing vet history. Claim is now resolved but still getting new responses to old emails! Premium and excess are both high so considering just opening a savings account for future vet bills!
My dogs have been insured since I got them in 2016, I have just had my renewal from £99 pcm to £113 pm. I never make claims because they increase when I do. My girl dog got admitted to Northwest Veterinary Health care hospital with inflammation/infection and increased white blood cells and a mass cranial to her kidney. Petplan refused to pay straight away saying she has has this problem before which is not true and that it's coughing and respiratory which this is the first time Mia has had this. I just feel so let down because when I signed up I had the best cover as mia and Alfie have got older their cover has decreased. I now owe a bill for £4,315 which is unfair i pay so much a month. So payplan is happy to take money and not pay for vet bills shame on you petplan you are a disgrace and im going to fight this to the end
THIS COMPANY IS A DISGRACE LEAVING MY ANIMAL TO SUFFER UNNECESSARILY THE CALL CENTRE IN INDIA IS DISGUSTING DOESNT SPEAK OR UNDERSTAND ENGLISH AT ALL, GETS TOTALLY CONFUSED MAKING YOU REPEAT THINGS OVER AND OVER, PROMISING TO CALL YOU BACK BUT NEVER DO, THEIR PRIORITY IS TO AVOID PAYING OUT FOR ANY CLAIMS AND NOT CARING ABOUT YOUR PETNOEL FITZPATRICK SHOULD BE ASHAMED TO REPRESENT THIS COMPANY IN TV ADVERTS AS HE IS FAR TOO PROFESSIONAL TO BE ASSOCIATED WITH THEM. LOOK AT THE REVIEWS NOEL, 1.9%???AVOID THIS COMPANY UNLESS YOU WANT TO BE SCAMMED AND DISTRESSED BEYOND BELIEF
This company rips people off.Have had my dog insured with them for 14 years without makin a claim. Now my dog has arthritis and needs monthly injections to control her pain.They paid the 1st few months and I had to pay the 20% excess, which was ok. However because I'm now entering a new policy year they want me to pay an extra excess of £115 before they restart paying my claims and yes still taking 20% of the claim as well. The government don't care, they give permission to these companies to rip us off.Its high time these insurance companies sorted and their policies reviewed by an independent adjuster.Over the years I have paid them in the region of £14,000 and now they just want more and more money from me. It will be cheaper for me to pay for my dog's treatment myself so I won't be bothering with any insurance again ever.
I have a young cat, premium went up after one small claim. 1 bout of diarrhea they make anything to do with the stomach exempt.
When our beautiful little staffie passed away in March petplan were amazing, The compassion they shown was wonderful,, We are in the process of adopting another dog from Dogs trust and Petplan with be our 1st call after signing the adoption forms,
Disgusting customer service when trying to renew policy! They have increased my policy for 2 dogs 6 & 7 never claimed by over £800 a year and feel this is fair !
My dog is 7 years old and I've had Petplan cover since 2019. Now I come to claim for surgery to crucia ligament I have to pay first £110 myself and the policy limit of £4000 is £1400 short of what needed from two vet quotes. Totally inadequate level of cover for relatively standard injury. I feel conned as I was led to believe good level of cover.
What’s happened to Petplan?Call centre has changed, Claims are taking over a month to be resolved and even when they are the claims team are saying that information is required when it’s been submitted. No longer the helpful and efficient insurer they once were and I expect better from the leading and most expensive provider. So fed up I’m thinking of leaving them all together and all of my dogs have been insured with them over the years!
They have really gone down hill over the years. My premium has increased by over 440% in about 10 years, with no increase in cover, and no claims on the policy. I complained and they offered a 10% decrease for a single year. They say costs have increased, but then that's funny how my premium has increased the exact same amount every year. I also note their operating profits are up 53% last year. Avoid them honestly, they trade on their previous reputation as being market leading, but they really aren't any more
Have been with pet plan for 7 years. This year my renewal has gone up by 48%! I've never made a claim. The reason for this, increased costs and a new address last year. Asked them to reduce and they refused. They just lost a good customer. Sainsbury Bank, exactly the same cover and £1000 per year less - SHOP AROUND!
Wish I could give less stars. Paid over £800 over the last two years with pet plan for my cats policy. They have rejected my claim again, after taking two months to review it. They want to find every small loop hole they can to not pay out for your pet and do not care about you or your pets health, just their money. Just start a savings pot for your pet rather than pay into their pockets. this company is a disgrace
I had a continuous covered for life policy, following expensive surgery, my cover limit was exceeded in the early part of year 10, but I continued to pay the premiums with no benefit for the remainder of the policy year to retain the cover for life. Our vet requires 24 hours notice for repeat prescriptions and I requested medication costing £300 the day before my policy renewal but did collect and pay for it until the actual day that my policy renewed. Clearly this was the point of sale and should have been covered by Petplan but they declined the claim. Veterinary medicine is a controlled substance and the law is very clear that it remains under the control of the vet until I have payed. There is no dispute as to the date I purchased the items. As experienced by many other reviewers, Petplan Customer Service is non-existent, they ignore emails and allege that the Claims Team can't be spoken to direct, only via internal communication from the agents (who indeed seldom sound UK based). They refuse to escalate complaints to a Manager, as would be possible with most companies. I have tried several times over many months to get the issue resolved without any response beyond automated emails and broken promises to return my calls, which they never do.Petplan have been using the same marketing slogan 'We pay 97% of claims' for decades, Trading Standards should review whether that remains accurate - I doubt it!Since they are no longer providing the service that I am paying for I am going to cancel my policy, even though my dog is too old to insure elsewhere. I'm not throwing good money after bad.This company is trading on past glory. Historically they were very good 20+ years ago but their service has declined badly. Don't give them your undivided loyalty, I wish I hadn't. There is definitely better cover, at lower prices elsewhere, as I discovered with my new puppy.
Disgusted that my premium has gone up £22 a month. Pet plan claim that they don't put up premiums for claims utter rubbish.
According to TrustPlane, Petplan Pet Insurance has a 1.8/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/gopetplan-com
