Petplan Insurance: A Lifesaver or Just Costly?
Petplan offers comprehensive pet insurance with a high approval rate, but are the rising premiums worth it? Let's break down what you need to know.
The Quick Version
Petplan is a top-tier option for pet insurance in the UK, known for its comprehensive coverage and stellar customer satisfaction. It covers lifetime vet fees, dental care, and third-party liability, with a claims approval rate of 97%. However, starting premiums at £12 and reports of rising costs might give budget-conscious pet owners pause.
Petplan's lifetime cover is its standout feature.
Petplan Pet Insurance
What's Inside
Petplan offers lifetime cover with no upper age limit, covering vet fees, dental care, and third-party liability. This means your pet is protected throughout its life, which is a significant advantage if you're dealing with chronic conditions. The monthly premium starts from £12, which is competitive, though not the cheapest on the market. It's rated 4.3 stars and praised for its reliable claims process.
What's Actually Good
The high claims approval rate of 97% is a highlight — you can be confident that your claims will be processed smoothly. Petplan is a Which? Best Buy, and with over 10,000 positive reviews on Trustpilot, its reputation precedes it. Plus, the inclusion of dental care and third-party liability provides peace of mind that your pet is covered in most situations.
The Catch
The starting premium of £12 might seem reasonable, but some users report that premiums can increase significantly over time. Additionally, Petplan's coverage options are more limited compared to other companies like Bought By Many, which offer more tailored plans. Another downside is that pre-existing conditions are not covered, so if your pet has a health history, this might not be the best fit.
Who It's For
If you're looking for comprehensive, lifelong coverage for your pet and are willing to pay a bit more for peace of mind, Petplan is for you. It's ideal for pet owners who want extensive coverage without worrying about the age of their pet. But if you're on a tight budget or have a pet with pre-existing conditions, you might want to consider other options.
The Bottom Line
Petplan offers robust coverage and high customer satisfaction, making it a solid choice if you value comprehensive insurance over cost. For those seeking a reliable insurer, Petplan delivers. If you want a broader perspective, check out our review of New York Life Insurance: A Classic with Modern Flexibility for a comparison of different insurance needs.
