RSPCA Pet Insurance (UK) Reviews 

You cant claim on your insurance, if there is no way to contact them! This seems to be the business model for what is probably the most expensive pet insurance in the UK. dont bother.
update, post reply from RSPCA:
As much as i would like to talk to your customer service, I have been on hold for an hour, so no. this service puts something other than customers and thier pets first. let me guess, it money? your "charity" seems to follow the usual model of exploiting people and paying your execs large "pay-offs" or whatever language you want to use, lets call them bonuses? note this is not specualtion, re: the publicised 2016 review of your practices.
My premium is over £1000 a year for a house cat, and you cant answer the phone to me? i will never use your services again and i will make sure others understand that you are criminals, and money given to you will never go to help animals

I couldn’t be happier with RSPCA Pet Insurance! The online form was super easy to complete, and the whole process was quick and stress-free. They liaised directly with my vet, which made everything so much simpler for me. The outcome was fast and efficient. I’d highly recommend RSPCA Pet Insurance to any pet owner looking for reliable cover and service.

Honestly can't fault RSPCA pet insurance. Had a big claim when our dog became ill which was ongoing over 5 weeks. The insurance paid with no quibble and also paid very quickly. Gave us confidence knowing we are in safe hands with the RSPCA. Thank you so much.

My wee kitten broke her leg at just 8 months old, requiring a surgery, pins, the works. It was a scary situation with very expensive bills - but it could not have been easier working with RSPCA Pet Insurance - my claims were handled promptly and easilly.

Best price for the type of insurance required.

Took out insurance for our Working Cocker Spaniel.
Making a claim, discovered that an admin error had recorded our dog's date of birth incorrectly.
This was amended and in April a new insurance schedule was issued for the year February 2025/2026.
Noted on this document was the excess of £100 and, importantly, a co insurance of 0%.
Fast forward to after our dog had successful cruciate surgery. We received an unexpected bill of almost £500 from the veterinary surgery. We queried this with the insurer and were told that this was a co-insurance payment due to our dog being over 7 years old.
We raised this with RSPCA referring them to the document noting the 0% co insurance. They acknowledged that the document did indeed state 0% but told us that small print in a link in the covering letter to the schedule referred to the relevant payment for dogs over 7 years. This document is only available after one enters into a contract with RSPCA.
To have a document stating 0% co insurance (issued by RSCPA after updating our dogs date of birth) and to not have the co insurance payment referred to when accepting the claim seems unfair and at worst very sharp practice.
Reading reviews, it seems that RSPCA think nothing of charging extortionate amounts (£86 per month for our dog) and then doing whatever it can to wriggle out of paying.
By their logic, the schedule could state an excess of £100 but deep in the small print could be a 10 times multiplier for dogs over a certain age - extremely onerous and unfair.
Note- RSPCA have responded to this review and haven’t even got the subject matter of my complaint correct! Says it all really!

If I'm honest, I usually ignore the cheapest option from a insurance search site - but this time the cheapest was RSPCA. A charity I trust. And when I looked at the details of the policy compared to the 2nd, 3rd & 4th options, it was better.

very easy to understand and complete

It was so easy to set up on line. Had make a phone call to RSPCA to recheck I had set it up right the chap was so very helpful went through policy explaining everything. 1st class service was given thank you. Great firm to have as pet insurance.

Quick and easy and glad to be supporting the rspca

Easy to do & good value

They were very helpful and caring as my cat hurt her leg, they got in touch with the emergency vets for us.

Really easy to navigate the policy and a good price for what your getting, not the cheapest but everything covered at a fair price,

They were very professional from the way the process went from the start to the end

The company doing well and how easy it was to get the right policy for my dog.

Good value pet insurance and easy to purchase.

Looked for a new policy after the previous company tried to up the premium by 35% for my 1yr old toy poodle who is in very good health and not been to see a vet for any illness. Took out the policy with the rspca, cheaper monthly payments, although the excess is £40 more than the last insurer. Sorting the policy was quick and simple, will see what happens when it comes to renewal time again. Will always compare prices if I feel I am being overcharged when no claims have been made.

Completely rude and insensitive.
Only contacted me back about my deceased pets policies when I requested a new policy for my deceased loved on.

Cash grab and incompetent.

Would not recommend

Absolutely fantastic service. When your beloved pet is poorly it's very stressful anyway but knowing you have a great insurance policy in place and great customer service it's peace of mind. I've had Labradors for 25 years, and they have all been insured, RSPCA Insurance are by far the best
Thank You.

Wouldn't bother with these guys. Took a policy in November 2024. Claimed for my dog who had an aggravated ear in September 2024 and we were given a sterile cleaner. She has been fine since. In April her ears needed cleaning under anaesthetic as something had aggravated her ears again.

They are linking the two issues and stating that her condition was pre-existing, despite the fact she has been fine for months. There is no way to tell if the issue was preexisting or not, but logic would dictate that no further vet visits up until this month would suggest these are two seperate incidents.

I would never have changed insurer if I reasonably thought my pet had ongoing issues.

I am now faced with a large bill. Absolutely shocking. Will be moving away from these guys asap.