PetProtect pet insurance review 2026

The full review

Who PetProtect is

PetProtect has been writing UK pet insurance since 2003 as a broker brand, with policies underwritten by Pinnacle Insurance plc. Pinnacle is the same underwriter that sits behind several supermarket-bank pet insurers and several heritage consumer brands, so the underlying claims handling is familiar to vet practices even though the front-end brand is less well known.

The proposition is straightforward: get the same underwriting most people have already insured a pet with, often at a better price, with a smaller broker on the front end.

What you actually get

A range of plan styles: Accident Only, Time Limited and Lifetime. The Lifetime tier carries vet-fee limits up to £10,000 per year, which sits below the specialist top end but is competent for most pets. Direct vet payment is available at participating practices.

Dental and behavioural cover are partial subject to the IPID terms. Read the policy wording before buying — the tier-by-tier differences on dental and routine-care exclusions matter for some owners.

Claims experience

Claims are filed by phone, online form and post. There is no app. The Pinnacle claims engine handles the underlying processing, which means the experience feels familiar to most UK vet practices. Independent reviews are limited by the smaller customer base, but where they exist they show a typical broker-pace experience.

Pricing

PetProtect is consistently competitive on quote comparisons against brands using the same Pinnacle underwriting. The lower brand spend translates into more competitive premiums in many cases. As with any lifetime insurer, premiums climb at renewal as your pet ages.

Customer service

Phone-and-email-led, UK-based. The service feels broker-style rather than corporate-style: smaller team, more direct contact, less polish on the digital experience. The trade-offs depend on what you value.

Veterinary perspective