Comparing your pet insurance options: Waggel and Petplan.

Petplan is one of the most established and recognised names in UK pet insurance, trusted by vets and breeders for decades. With over 1 million pets insured, it remains a go-to brand for many pet owners.

Their product range has remained consistent over the years, offering Lifetime policies for ongoing conditions and Time-Limited policies for more short-term issues. Lifetime cover is available with three limit options: £4,000, £7,000, or £12,000, while the Time-Limited policy offers £3,000 of cover.

When exploring your options, you’ll find that Waggel is one of the newer brands on the scene, founded on the belief that pet insurance should take the stress out of your pet’s medical care, so you can spend more time giving them the love they deserve.

To achieve that goal, we set out to combine modern technology with a deeply human approach, aiming to be the most human pet insurer in the UK by keeping things super simple and fully personalised to you and your pet.

This page outlines our approach at Waggel, so you can see why hundreds of thousands of cats, dogs, and their humans choose to be part of our community.

Your lively cross-breed snaffles a sock and needs emergency surgery on a Sunday, racking up thousands in out-of-hours vet fees. You go to your Waggel dashboard, while the kettle boils, file the claim in under two minutes, and watch the claim status creep forward before your dog is back on solid food.

Because you chose a £10k limit and £0 excess, the payout lands without any wallet-pinch, and the limit refreshes at renewal in case tummy troubles linger.

Pre-existing conditions remain excluded (see our guide), and other terms apply. More on limits, excesses and policy types in our handy explainer here.