RSPCA Pet Insurance (UK) Reviews 

They were extremely helpful and made the whole claiming very quick and fairly easy once I found my way around the app. They emailed and told me exactly what I needed to do.

The claim was agreed within a very short time. Money was paid quickly as well. Such kind and compassionate and professional staff when speaking to me on the phone.

I have 14 month spaniel cross. Premiums are affordable at the moment. Dog was very poorly resulting in many tests to rule out blockages. The vet was on hand to help with the portal if I needed it but it was very simple to use. The payments were made quickly and tracking progress is super easy. This is important when you use a small vet practice. At the moment I would recommend RSPCA but I am only in my first year. I just hope this illness does not result in a high premium next year.

To be honest, I’m very disappointed. I’ve insured two cats and have been paying for the insurance for over two and a half years. Recently, one of my cats became ill, and we went to the vet. The claims team has obviously not been following up, they haven’t responded for the past month and the customer service team has ignored my emails regarding the claim. It’s impossible to reach them by phone; for example, today I spent 50 minutes on the line with no answer. I’m now seriously considering opening a dispute with my bank to recover the last few payments, as this situation is ridiculous and the insurance gets more expensive every year. If you can, go elsewhere.

Very fast payment

My Springer Spaniel was diagnosed with IMHA, extremely low white blood cells (severe Anemia ) and had blood transfusions along with several blood tests etc. I duly went to complete the claim form for this ongoing condition and noticrd I had his age wrong, excactly a year out a genuine miske as his birthday is the 27th December. The insuance company have been great and have paid out on the 1st very large invoice within a few days. The condition is as I say ongoing but the RSPCA insurance has been absolutely great up until now.

No response to emails and now 2 hours trying to speak to someone....still no luck

So took out insurance 11 months ago for our 2 year old Border Collie. Renewal just came through and gone up by a staggering 55%. I called them and was told that this was correct and it could go up by much more than this (consider yourself lucky)! Apparently due to people claiming (not me or my Border Collie as no claim made) Vets fees (again a shock to a pet insurer I'm sure however out local vet had a modest 5% increase not 55%) and the risk of insuring some breeds and the dogs age greatly effects costs. When I said I could get the cover for half elsewhere the lady told me "thats how insurance works" They would probably quote me half as much as a new customer. Can't comment on their claim procedure as never claimed but this is frankly a disgrace. By the way - look out for the standard and meaningless response by

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.