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PetPlan Pet Insurance Review

PetPlan pet insurance for dogs and cats provides between £3,000 and £12,000 of vet cover, with your choice of Time Limited or Lifetime plans. (PetPlan's rabbit and horse cover is not discussed in this review.)

Below we discuss features of PetPlan's pet insurance policies, but be sure to read the policy wording before you sign up. Choosing the best policy for you and your pet will depend on your individual situation. There may be other cat or dog insurance policies with better features available in the marketplace.

Pros

  • Dental injury or illness covered (annual dental exams required)
  • 90% of claims paid within 5 working days of receipt
  • One year to submit claims
  • Vetline advice

Cons

  • "Older" pet cover starts from age 8 for dogs (5 for some breeds), 10 for cats
  • 20% copay for older pets
  • New lifetime policies not available for older pets
  • Higher fixed excess of £120
  • Euthanasia not covered

In This Review

PetPlan Pet Insurance Review

PetPlan offers Time Limited ("Essential") and Lifetime ("Covered 4 Life") pet insurance policies for dogs and cats with a variety of coverage options. While PetPlan premiums may be a bit higher than the average cost of pet insurance, PetPlan policy coverage tends to be quite comprehensive.

As one of the largest UK providers of pet insurance, most vet offices are familiar with the PetPlan claim process. Your vet may be willing to send in claim forms, saving you a bit of hassle. Some vets even accept payment direct from PetPlan—it may be worth speaking to your vet about this option. (Most pet insurers are willing to do so.)

Time to Claim

Vet fee claims must be submitted within 12 months of the treatment start date. For ongoing treatment, claims must be submitted at least once every 12 months.

Excess

The excess is the amount you pay towards claims. With a PetPlan policy, the excess is £120 (for younger pets). On their Time Limited Essential policy you pay the £120 excess once for each new condition. Under the Covered 4 Life (Lifetime) plans, the excess is paid once in each and every year that you submit a claim on a PetPlan lifetime policy, per condition. That is, PetPlan will deduct the excess from the first claim(s) for each injury/illness in each policy year.

The excess increases through the addition of a 20% copay for older pets.

PetPlan Insurance for Older Pets

Older pets may face restrictions on signing up to new policies. Once dogs hit 8 years of age (or 5, for some breeds like Bulldogs and German Shepards) and cats 10 years of age, they're only eligible for Time Limited Essential cover. Older pets are not eligible to sign up for a "Covered 4 Life" lifetime policy. (Pets who were covered by a Pet Plan Lifetime policy before hitting the age cap may continue renewing their Lifetime policies as they age, however. The restriction applies to new policies only.)

Age Limits for New PetPlan PoliciesDogsCats
Cover 4 Life (lifetime policies)8 years (5 for select breeds)10 years
Essential (12-month time-limited policies)no age limitno age limit

Select breeds with a lower age limit are: Rottweiler, German Shepard, Cavalier King Charles Spaniel, French Bulldog, Bulldog, Doberman and a few others (usually large breeds with higher health risks and 3rd party risks).

Those with "older" pets should expect to pay more towards vet bills through the addition of a 20% copay for older pets, which is paid in addition to a fixed £ excess. As your pet ages and is likely to suffer increased health problems, PetPlan expects you to contribute more towards the cost of care.

Excess Amounts for Younger and Older PetsDogsCats
AccidentIllnessAccidentIllness
Younger Pets£85£120£75£105
Older Pets£85 + 20%£120 + 20%£75 + 20%£105 + 20%

PetPlan Notable Features

Here is a brief overview of the notable features of PetPlan dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.

  • Vetline: Pet owners can call the PetPlan Vetline with queries (PetPlan Vetline phone number: 0330 102 1606)
  • Complementary Therapy: Acupuncture, homeopathy, herbal medicine, Chiropractic manipulation, osteopathy and hydrotherapy (performed by a recognised party)
  • Dental Cover: Cover for dental injuries and illnesses, provided your pet had a dental exam by a vet in the 12 months leading up to the injury/illness
  • Holiday Cancellation: Cover for travel and accommodation expenses if you have to cancel a trip because you pet is injured or showing signs of illness within 7 days of your departure and needs immediate life-saving treatment; cover if you have to curtail a trip because your pet goes missing or is injured or shows signs of an illness while you're away, and needs immediate life-saving treatment
  • Boarding if You're Unwell: Boarding costs if you're in hospital for 4 or more consecutive days
  • Travel: Cover for up to 90 days per policy year when travelling to countries in the EU through the PETS travel scheme.
  • Congenital & Hereditary Diseases: Covered
  • Euthanasia: Not covered

PetPlan Quote Comparison

According to our research, PetPlan policy prices may be a touch more expensive than the average cost of pet insurance, once policy limits and excess amounts are taken into account. Direct quote comparisons are tricky for pet insurance, since coverage levels and excess amounts vary across insurers. We've compared the PetPlan Cover 4 Life policies to other Lifetime policies which were closest in terms of vet cover limits.

Annual Quotes for Lifetime Policies for 3-Month-Old, Spayed Male Cockapoo

InsurerExcess£4k Vet Cover£7k - £7.5k Vet Cover£10k - £12k Vet Cover
John Lewis£100n/a£439£547
M&S£150£200£362n/a
More Than£75£370n/a£589
Petplan£120£366£416£733
Tesco£120n/a£516£569
chart showing how petplan dog insurance quotes compare the the average in the market
PetPlan Quote Comparison for Lifetime Plans

Types of PetPlan Policies

PetPlan offers two types of policies—lifetime and 12 month. Generally speaking, Lifetime policies are best for younger pets to protect the owner against the financial strain of recurring/chronic injuries/illnesses over the course of the pet's life. Time Limited cover is most suited to older pets that aren't eligible for Lifetime cover due to age.

Lifetime Cover: "Covered for Life" Plans

PetPlan's most popular policies are the "Covered 4 Life" Lifetime plans. As long as you keep paying your premiums, a lifetime policy will cover injuries and illnesses throughout your pet's life. For example, your dog's ear infections at aged 2, aged 5, aged 6 and aged 9 would all be reimbursable illnesses.

Those looking for Lifetime cover should purchase a policy before their pet hits the "older" pet cutoff. "Older" pets are not eligible for new Covered 4 Life policies; however pets who joined PetPlan under a Lifetime policy before the age cutoff can continue under a Lifetime plan as they age.

Levels of Cover: PetPlan's Covered 4 Life plan is available with 3 different levels of cover, as detailed below in Coverage Amounts. The three plan types are named Classic, Classic+ and Ultimate, providing vet cover up to £4,000, £7,000 and £12,000 per year, respectively.

12 Month Cover: "Essential" Plan

PetPlan's Time Limited, 12-month insurance option is called the "Essential" plan. Cover for any injury or illness will last up to 12 months, but not longer. As a result, recurring or chronic health issues will not be reimbursed beyond one year.

Essential cover does not offer the following features that are included in Covered 4 Life plans as standard: death from injury & illness (available as extras), advertising & rewards, loss by theft or straying, emergency boarding fees, holiday cancellation, quarantine & loss of documents and repatriation.

Level of Cover: The Essential plan covers vet bills up to £3,000 per condition, up to 12 months from initial occurrence.

PetPlan Coverage Amounts

Policy Name:EssentialClassicClassic+Ultimate
TYPE:12-Month Cover Time Limited Policy"Cover 4 Life" Lifetime Cover"Cover 4 Life" Lifetime Cover"Cover 4 Life" Lifetime Cover
Veterinary fees (each year)£3,000 (£85 excess per illness/injury)£4,000 (£120 excess per illness/injury)£7,000 (£120 excess per illness/injury)£12,000 (£120 excess per illness/injury)
Complementary treatment (each year)£500 (£75 excess per illness/injury)£1,000 (£75 excess per illness/injury)£1,000 (£75 excess per illness/injury)£2,000 (£75 excess per illness/injury)
Third-party liability (£250 excess for each property damage claim)£1 million£2 million£2 million£3 million
Death from illness or injury£1,000 optional extra£1,500 optional extra£1,500 optional extra£2,000
Advertising & rewards (each year)n/a£1,500£1,500£2,000
Loss by theft or straying (each year)n/a£1,500£1,500£2,000
Emergency boarding fees (each year)n/a£1,500£1,500£2,000
Holiday cancellation (each year)n/a£1,500£1,500£2,000
Quarantine expenses & loss of documents (each year)n/a£1,500£1,500£1,500
Emergency repatriation (each year)n/a£500£500£500

Customer Experience Ratings

PetPlan is rated 4.4 out of 5 stars for customer experience, according to more than 5,000 customers surveyed through feefo.

Other Useful Information

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