Petplan Canada Pet Insurance Review

#2 in Pet Insurance in Canada

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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