Review: Petplan Insurance

Ronny Lavie
20 April 2021 - 3 min read

Petplan is one of the UK's biggest and best known pet insurers. They provide insurance policies for a variety of animals that include cats, dogs rabbits and horses. They also have a specialist product that insures breeders.

Key Petplan policy features

  • Petplan offers a choice between three policies and up to £12,000 vet fee cover

  • Online quotes for dogs, cats and rabbits. Petplan Equine offers cover for horses

  • 10% discount for new customers buying onlinePetplan is featured in our lists of the best pet insurance for dogs.

How does Petplan insurance compare to ManyPets?

All ManyPets policies are lifetime which means the vet cover level resets every year you renew so it can cover ongoing illness and conditions throughout the lifetime of your pet.

Petplan offers a choice of three different lifetime policies under their Covered For Life title, these include: Utimate, Classic Plus and Classic.

Petplan's highest level of vet fee cover is £12,000 which by comparison is £3,000 lower than the £15,000 on offer through ManyPets' Complete policy.

Both ManyPets and Petplan offer lower cover levels. Petplan's Classic Plus has a vet fee limit of £7,000 and Classic £4,000. ManyPets' other lifetime policies include Regular with up to £7,000 of vet fee cover and a Value policy with £3,000.

Petplan also have Time Limited policy available. The 12 Months policy will only cover an illness for up to 12 months. After that period ends that illness or condition will become excluded and you will no longer be able to make a claim.

ManyPets believe pet insurance should last a pet’s entire life and that's why they offer only lifetime policies. It means pet owners can make a claim for all ongoing medical conditions that develop during the lifetime of their pet.

Unlike Petplan and many other pet insurers, ManyPets offer policies that can cover conditions that ended more than two years ago. They also have a policy that can cover conditions that have ended more recently. More Than does not offer policies that cover pre-conditions.

ManyPets also allow new customers to make an immediate claim if they switch from another pet insurance provider straight to ManyPets. Petplan along with many other pet insurers apply a 14 day exclusion period before customers can make a first claim.

Both Petplan and ManyPets have a multi-pet discount available. With Petplan, you can get a £12 per year discount for each pet you have insured. ManyPets, however, offer a 15% discount if you have more than one pet insured on the same policy.

If you're worried about your pet and need quick advice, ManyPets customers can get free 24/7 unlimited access to video consultations with a qualified veterinary professional. This service is provided as part of their partnership with FirstVet. Petplan currently do not provide any video or telephone help service for customers.

Petplan is one of the largest and best known pet insurers in the UK. By comparison, ManyPets are a more recent addition to the pet insurance market. But since launching in 2017, ManyPets are already insuring over 250,000 pet owners.

We've compared the top levels of cover that we and Petplan offer. The table uses our Complete pet insurance policy.

Petplan offer other types of specialist insurance

Some of Petplan's products are offered under different brands, for example, Petplan Equine covers horses, ponies and riders.

Its breeder insurance scheme lets breeders give new owners 4 weeks of free Petplan insurance. New pet owners are provided with immediate cover for illness and injury up to £4,000 as soon as the policy is activated.

Petplan Sanctuary offers business insurance for companies that work with pets. Read our review of Petplan Sanctuary.

Highest level of vet fee cover£15,000£12,000
Video vet calls as standardYesNo
Claims waiting period is removed if you switch to the providerYesNo
Lifetime coverAll policiesVaries (Covered for Life policy only)
Excess payableOnce per yearper condition
Multi-pet discount15% discount for pets insured on the same policyYes (£12 discount per pet)
Cover for dental accidents and illnessYes (Up to full vet fee limit)Yes (Subject to conditions)

How much does from Petplan pet insurance cost?

With almost all pet insurance companies, the cost of pet insurance varies widely depending on factors like the age and breed of your pet, and which part of the UK you live in.

If you have a pedigree dog, it could cost hundreds of pounds a month to get comprehensive cover. However, a moggy cat on a cheaper policy can cost under £20 a month. Price ranges can be wide so it's worth getting a quote and shopping around.

Petplan's Ultimate policy is one of the more comprehensive pet insurance products on the market so it may cost more than some other providers. As with most insurance, you get what you pay for.

Find out how much your quote is on the Petplan's site.

Learn more about average pet insurance prices with our guide to the average cost of dog insurance.

Are promotional codes available for Petplan?

We could not find any voucher codes for Petplan although it does offer a 10% discount to new customers buying online and there is a multi-pet discount of £12 a year per pet.

How to make a claim on Petplan

To make a claim you'll need to send a claim form to Petplan. They will process it and inform you if your claim is successful. You can download a range of claim form from their website or request one to be sent to you.

You can call Petplan on their customer services telephone number - 0345 071 8000.