Petplan Canada Pet Insurance Review


Rating: 9.5 / 10 (Excellent)
13 Customer Reviews - see all reviews
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How is Petplan Canada rated?
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
9/10
Customer Service
8/10
Value
9/10
Reviews

Petplan is a leading provider of pet insurance in Canada and is a company dedicated to helping pet owners keep the costs of pet treatments under control. Petplan's standard plan covers new illnesses and accidents without restrictions for hereditary or congenital conditions. The company also provides a wide range of treatment options that would typically not be available in other companies' standard offers. Medications, diagnostic testing, non-preventative dental treatments, MRI, CAT Scan and ultrasound are all offered as standard as well. What's more, Petplan does not place any restrictions on older animals. Senior citizen pets have access to the same coverage limits and deductibles as younger ones.

PetPlan has over 40 years of experience covering pets worldwide and is a great choice for your furry companion at every stage of their life. 

Special Offer:  10% off online + a free BarkBox when you choose Petplan

Petplan Canada Snapshot:

Petplan offers a fully customizable plan with annual limits of $2,500 to UNLIMITED. There are no lifetime or per-condition limits, and no age limits after your pet turns 6 weeks. You are also able to choose to apply your deductible on an annual or per-condition basis. Other notable features of Petplan plans include:

  • You can use any vet in the US or Canada
  • 70%, 80%, and 90% reimbursement options that are based on the veterinarian's actual bill.
  • Covers medications, advanced testing and hospital stays.
  • Non-routine exam fees are covered, this includes emergency and specialist hospitals.
  • Medications and advanced testing
  • Most comprehensive coverage of dental injury and treatment of periodontal disease for all teeth.
  • AARP exclusive pet insurance provider.
  • Free PetHub Lost & Found tag.
  •  24/7 "Fetch-a-Vet" helpline via PetCoach

Plan details

Type of contract

12 Months

Claim limit

Maximum annual payout $2,500 to UNLIMITED coverage

Deductible

$100 to $1,000

Claims and policy price

NO increase in premiums due to claims made

Enrollment age

6 weeks and up

Waiting period

Injuries: 5 days

Illnesses: 15 days

Out of country coverage

US & Canada only

Age limit

None

Age Caveat

Pets six (6) years or older at the time of initial enrollment will be required to have a veterinary exam within thirty (30) days of the policy inception date.

Further Details:

Petplan policies reimburse you on the actual amount of each veterinary bill minus the deductible and up to the chosen policy limit. Deductibles reset each year when the plan is renewed and can be applied on an annual or per-condition basis. Petplan is licensed in all provinces in Canada with the exception of Quebec, and is underwritten by XL Specialty, an international insurance carrier with an extensive global presence and a S&P rating of A+.

Coverage Details

STANDARD COVERAGE

 

Dogs and Cats

Yes

Accidents and Injuries

Yes

Illnesses

Yes

Non-routine vet exams, including ER and specialists

Yes

MRI, ultrasound, CT Scans

Yes

Diagnostic Treatment

Yes

Prescriptions & Nutraceuticals

Yes

Dental (injuries and periodontal disease)

Yes

Surgery/rehab

Yes

Cancer

Yes

Acupuncture, stem cell, hydrotherapy, holistic treatments

Yes

ANCILLARY COVERAGE (plans w/annual coverage of $15,000 or more)

 

Behavioral Conditions

Yes

Lost pet advertising and reward

Yes

Boarding fees

Yes

Loss due to theft or straying

Yes

Death from covered illness/injury

Yes

Vacation cancellation

Yes

What’s not covered?

  • Pre-existing conditions when clinical signs were showing prior to the effective date of during the waiting period.
  • Routine Care
  • Vaccines
  • Pregnancy - Limited Coverage

Discounts

10% Medical Assistance Pet
10% Active or Retired Military Personnel
5% Online

Summary

Petplan provides a good mix of coverage and benefit options that makes it a solid choice if you are looking for pet insurance in Canada. The company also features a number of discount options that can help pet owners make pet insurance more affordable. Petplan pretty much covers all the standard items you'd be looking for in a pet insurance provider and more. The fact that older animals are not discriminated against is a big plus, and 24/7 support, comprehensive coverage including payment of the veterinary exam fees, and great customer service are all nothing to sneeze at as well.

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Latest Reviews

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J
Jenn
Toronto, Ontario
8/9/2017
Petplan starts out great, then increases your rates. Had this happen a decade ago with a letter saying we were 'randomly selected due to breed' for a rate hike (after we had 3 claims in one year). Tried them again last year and received a letter at the end of the year saying that they have sold out to a new company and rates are going way up. Cancelled and went with Desjardins instead.

M
Marco
8/6/2017
Got insurance for my 6 month old dog, Dog required a few stitches. Claim and service was fairly good reimbursement was good. Following year they increased my rate for a very minor incident.

C
Cathy S
Ottawa, Ontario
8/2/2017
My oh my I just did some math and it is scary. My pets insurance starts at around 50.00 per month (unlimited coverage, 1000 deductible annual and 90% reimbursement). I have 3 dogs, two are 6 months old and the other 18 months old. By the time they reach 12 yrs of age the premium based on today's rates is close to 300.00 per month per dog. I have owned German Shepherds for over 20 years and to date have not had anything go wrong other than routine things until about the age of 7 and often not till around 9 or 10 years of age. When I calculate all the insurance premiums I would be paying over the years I am further ahead to self insure. Yes I realize I could be behind the 8 ball is... Read More

Mike P
Brampton, Ontario
8/1/2017
Owesome so far You only pay your deductible once per year not every incident Only thing they send you a cheque it's not reimbursed right away to your account.... oh well no biggie Owesome customer service and easy claims process so far

Suman S
Scarborough, Ontario
3/28/2017
They are in usa not in Canada, if your pet had an ear infection prior to the insurance taken from them, they will not cover if it occurs for 30 months from the day insurance taken... all their communication are from usa in regular mail with no tracking system.. so if there was any you expect, it will reach many months later... better take an insurance which has office in your country

Mandy S
Toronto, Ontario
2/25/2017
With the new underwriter and policy coming into effect my rates have increased 52% for the same coverage I currently have. The information I got in the mail regarding the new policy also tried to upsell me by suggesting I increase my coverage. If I don't call or go online to change this it will automatically become the new policy and they will begin to bill me for the additional coverage. This company charges a deductible per condition and not per year as many other insurance companies do. Currently my pet has no claims and no preexisting conditions so I am looking at other alternatives.

D
Daria
2/22/2017
Check all the complaints about them and the negative reviews with the Better Business Bureau. Search them up by their postal code 19073, they are listed as Fetch Insurance Services. I guess Pet Plan is just the marketing name, helps when you are doing shady business. Don't trust the positive Facebook reviews, so easy to hide negative feedback on social media.

Tim J
Toronto, Ontario
2/20/2017
ZERO customer loyalty.... 7 year old dog, no claims ever. This year they put my premium up from $50 per month to $90..... nothing more than daylight robbery, taking advantage of the love we all have for our pets and their care. Disgraceful.

A
Ash N
Toronto, Ontario
1/22/2017
Very fair, generous, great prices, great coverage, outstanding customer service (available 24/7 and answer within seconds). I've had no issues whatsoever with PetPlan (Canada). I've been very pleasantly surprised. Compared with other insurance companies, which I find to be unnecessarily overpriced and I hear are anal/tricky about coverage, PetPlan is very fair and has fantastic coverage. I highly recommend pet insurance, especially for dogs. I have utilized my claims without any issues. PetPlan works for me. PS: Customer Service rep Emily rocks.

E
Erica F
Stouffville, Ontario
1/20/2017
Good company. Do as they say. Not as good as trupanion. But ok. Will keep working with them for now.

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