Royal Kennel Club Pet Insurance: most-reported complaints
Automated analysis of 365 public Trustpilot reviews published 2024-01-08 to 2026-09-08. TrustScore 4.9 from 3,216 total reviews — see the Trustpilot page. Quick answer: is Royal Kennel Club Pet Insurance legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report warranty disputes, which account for 31% of the 80 identified complaints. Other frequent issues include general problems at 20%, unhelpful support at 15%, and unreachable support at 14%. The trend for warranty disputes is flat, while reports of other issues and unreachable support are rising. Conversely, complaints regarding unhelpful support are falling.
How to reach Royal Kennel Club Pet Insurance
These are the contact details Royal Kennel Club Pet Insurance publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 03330305030, email [email protected], address First Floor, Blue Leanie, Walton Street, Aylesbury, HP21 7QW, GB.
The company claimed its Trustpilot profile on 2021-01-21, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-08-25. Trustpilot ranks it 1 of 32 in Pet Insurance Company. We last checked this profile on 2026-09-24 and found 10 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Forum footprint: 0 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count.
TrustScore over time
4.9 → 4.9 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (100%, 4.5d) · 2026-08-15 (100%, 4.5d) · 2026-08-18 (100%, 4.5d) · 2026-08-21 (95%, 4.3d) · 2026-08-24 (95%, 4.5d) · 2026-08-27 (100%, 4.5d) · 2026-08-30 (100%, 4.5d) · 2026-09-02 (100%, 5.2d) · 2026-09-08 (100%, 5.2d) · 2026-09-11 (100%, 5.2d) · 2026-09-15 (100%, 5.2d) · 2026-09-18 (100%, 5.2d) · 2026-09-21 (100%, 5.2d) · 2026-09-24 (100%, 5.2d).
Severity: 24% of this company’s 80 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 7.8 days between the experience and publishing their negative review (150 reviews record both dates).
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 151 negative reviews that received a public reply, the median wait was 2.1 days — the company profile reports an average of 5 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 151 company replies to negative reviews analysed, 36% engaged with the specific problem and 56% were generic templates.
Review provenance: 273 company-invited reviews in the recent window average 4.93★, while 50 organic (uninvited) reviews average 4.84★.
18% of its 306 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: warranty disputes makes up 31% of this company’s complaints vs a 17% median across 55 ranked companies in its sector.
Review velocity: 974 of this company’s 3,216 Trustpilot reviews (30%) were written in the last 12 months.
What are the most common complaints about Royal Kennel Club Pet Insurance?
Warranty disputes
25 reports · 31% of complaintssteady“We are paying high monthly amounts but not able to claim for a year... our dog was attacked by another dog...we cannot claim a thing...?”
The company replied on 2025-01-06: “Hello Sophie Thank you for leaving a review, we are currently attempting to contact you as we would like the opportunity to discuss this further. Alternatively you can contact us on 03330 308 396.…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
“they decided they would not cover it as it was a 'pre-existing condition'”
The company replied on 2025-01-07: “Hello Dave Cresswell Thank you for taking the time to leave us your review. We are sorry to learn of your recent claims experience with us, and that you are unhappy with our decision. We assess our…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
“they have came up with reasons not to pay out”
The company replied on 2024-11-15: “Hello DH Thank you for taking the time to leave us your review. We are sorry to learn that you have been unhappy with your recent claims experience and outcome. We assess our claims based on the…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
Other
16 reports · 20% of complaintsrising since 2025-11“Still waiting for claim form that I asked a week ago to be posted to me”
The company replied on 2025-03-11: “Hello customer Thank you for taking the time to leave us your feedback. We do hope the form arrives soon, this can take 5-7 working days. Unfortunately we’ve been unable to locate your details from…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“I get calls every 2 days them trying to sell me insurance even after requesting to not call me”
The company replied on 2024-03-25: “Hello Danielle Dickinson Thank you for taking the time to leave us a review. We do appreciate all feedback we receive. I am sorry to hear that following your request to terminate marketing, you have…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“Still waiting for my documents by post despite ringing you a month ago to remind you.”
The company replied on 2026-06-08: “Hello D Reilly, Thank you for taking the time to leave us a review. We are sorry to see that you have not had a good experience with us on this occasion. Please be assured a postal copy was printed…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Support unhelpful
12 reports · 15% of complaintsfalling“since then the price rises and rises I’m now over £200 a month!”
The company replied on 2025-01-09: “Hello Ashley Fuller, Thank you for taking the time to leave us a review, we do appreciate all the feedback we receive. I am sorry to hear that you've felt as though our customer service has been cold…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
“a faster response would be helpful if not receiving emails from vets hen they say they have sent”
The company replied on 2025-02-17: “Hello Lesley Hindmarsh, Thank you for leaving a review, we are currently attempting to contact you as we would like the opportunity to discuss this further. Alternatively you can contact us on 03330…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“The process is extremely slow and in complete contravention to what they claim”
The company replied on 2024-10-09: “Hello David Hurley Thank you for leaving a review, we are currently attempting to contact you as we would like the opportunity to discuss this further. Alternatively you can contact us on 03330…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Support unreachable
11 reports · 14% of complaintsrising since 2025-11“I have been trying to contact the publication team for five days with no luck.”
The company replied on 2024-08-02: “Dear Mac Moreno, Thank you for taking the time to leave a review. The Kennel Club Pet Insurance do not have a publications department, so we wanted to highlight this to you as you may have left this…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“Money that I am Still waiting on infact a total of £486.04 Owed”
The company replied on 2026-08-20: “Hello Mr Anthony Lawry, Thank you for your time in leaving us your review. I have tried to contact you today to discuss your claims, but I went to voicemail. When you have a moment, please do return…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“Your claim goes into a black hole. Good luck trying to contact anyone about it.”
The company replied on 2025-12-01: “Hello Anna Thank you for taking the time to leave us your review, we are sorry to learn that you have been unhappy with your recent claims experience with us. We would like to discuss this further…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Misleading pricing
9 reports · 11% of complaintsfalling“I had to pay not just a £120 excess but also 20% of the bill on top.”
The company replied on 2024-06-06: “Hello Anonymous, Firstly, we are very sorry for recent loss. Our thoughts are with you and your family during this difficult time. We are also sorry to hear that you have been unhappy with your…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“premiums go up by an extortionate amount every year”
The company replied on 2024-02-12: “Hello Mr AM, Thank you for taking the time to leave us a review. We are sorry to hear of your concerns regarding your renewal quote. We understand that price increases can be frustrating which is why…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“No dental cover for the 5 weeks free.”
The company replied on 2024-01-09: “Hello George Brown Thank you for your feedback and review. I am glad that we have had the opportunity to discuss this matter with you directly and we do apologise that we have not been able to meet…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Overcharging
8 reports · 10% of complaintsrising since 2025-11“since then the price rises and rises I’m now over £200 a month!”
The company replied on 2025-01-09: “Hello Ashley Fuller, Thank you for taking the time to leave us a review, we do appreciate all the feedback we receive. I am sorry to hear that you've felt as though our customer service has been cold…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
“deduct 20% off total claim plus fixed fee of £175.00”
The company replied on 2025-09-16: “Hello Susan Thank you for leaving a review, we are currently attempting to contact you as we would like the opportunity to discuss this further. Alternatively you can contact us on 03330 308 396.…”
Our classifier read this reply as a template response.
“RKC increased my monthly premium by over 20%.”
The company replied on 2026-07-06: “Hello Andy B Thank you for taking the time to leave your review. We're really pleased to hear that Shane provided you with excellent service. We'll make sure your kind comments are shared with him,…”
Our classifier read this reply as a substantive response.
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-08.