Petplan Pet Insurance Review

#2 in Pet Insurance

Petplan Pet Insurance Overview

Petplan is a top choice for pet insurance because they offer some of the most comprehensive coverage around for your furry friend. The company's standard policies cover accidents and new illnesses, and provide access to treatment options that generally would only otherwise be available through costly riders in comparable plans. Petplan covers dogs and cats and its customer care center is open round the clock seven days a week to answer any questions you may have. The company also offers a mobile app for iPhone and Android where customers can find vets and submit and check the status of their claims.

When it comes to coverage for your dollar, Petplan offers a variety of competitive plans to make sure your dog or cat is covered from tail to snout.

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

What's Included with Petplan:

  • * 24/7 support
  • * Fully customizable plan featuring annual policy limits of $2,500 to UNLIMITED coverage.
  • * No per condition limits, no lifetime limits, no age limits over 6 weeks of age.
  • * Choice of $100 to $1,000 deductible 
  • * Choose to apply deductible annually or per condition
  • * 90%, 80%, and 70% reimbursement options based on actual veterinary fees.
  • * Covers all accidents and new illnesses without restrictions for hereditary or congenital conditions.
  • * Covers medications, advanced testing and hospital stays.
  • * AARP exclusive pet insurance provider.
  • * Non-routine veterinary exam fees are covered in all plans, including at Emergency & Specialist Hospitals.
  • * Most comprehensive coverage of dental injury and treatment of periodontal disease for all teeth.
  • * Use any veterinarian in the US or Canada.
  • * Free PetHub Lost & Found tag.
  • * 24/7 "Fetch-a-Vet" helpline via PetCoach.

Plan Details

 Type of contract

 12 months

 Enrollment age

 6 weeks and up

 Effective date

 Refer to Declaration Page

 Waiting period

 Injuries: 5 days

 Illnesses: 15 days

 Out of state coverage

 YES

 Out of country coverage

 US & Canada only

 Claims and policy price 

 NO increase in premiums due to claims made

 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.

 Deductible

 $100 to $1,000 deductible

 Claim limit

 Maximum annual payout $2,500 to UNLIMITED coverage

Issuance Fee

 $25. Refundable if the policy is cancelled within the first 30  days. Not applicable in all states.

 

What does Petplan cover?

Pets: Cats and Dogs

Standard Coverage

Accidents and injuries
Illnesses
Non-routine Vet Exams including ER and Specialists
MRI, ultrasound, CT Scans
Diagnostic treatments
Prescriptions & Nutraceuticals
Dental (injuries and periodontal disease)
Surgery/rehab
Cancer
Alternative therapies like acupuncture, stem cell therapy, hydrotherapy and holistic treatments. 

Ancillary Coverage 
For plans with an annual coverage limit of $15,000 or greater. ($1,000 limit per year)

Behavioral conditions
Lost pet advertising and reward
Boarding fees
Loss due to theft or straying
Death from covered illness/injury
Vacation cancellation

NOT covered

Pre-existing conditions that showed clinical signs or symptoms prior to the effective date of the policy or during the policy waiting period.
Vaccinations
Routine care

PregnancyLIMITED coverage

Discounts (Max 10%)

5% Online
10% Military Personnel – active or retired
​10% Medical Service Pet

The Fine Print:

  • Flat-rate reimbursement for veterinary bill fees. In other words, Petplan reimburses you the cost of your vet bill (minus your deductible, up to the policy limit you selected).
  • Deductibles can be applied annually or on a per condition basis. They will also reset each year at renewal.
  • It does not cover routine care and will not pay for pre-existing conditions.
  • Waiting period: 5 days for injuries, 15 days for illnesses.
  • Petplan is licensed in all 50 states and the District of Columbia, as well as all provinces of Canada. The company is underwritten by XL Specialty, an international insurance carrier with an extensive global presence and a S&P rating of A+.

Office Photos:

PetPlan Pet Insurance Office

Final Sniff

Petplan is a top notch pet insurance provider. Their plans cover all major illnesses in your cats and dogs and offer flexible deductible and coverage limit options to fit your budget and situation. They make it easy to find a vet and monitor claims with their mobile app, and you can never be disappointed with 24/7 support. The fact that Petplan includes things like alternative therapies in its standard policy is a big plus as well. Throw in the additional features for policies of $15,000 or more and cool freebies like Fetch-a-Vet and the PetHub lost and found tag and you'll see why we rank the company highly.

Petplan monthly premiums tend to be a bit on the pricier side of the scale, but this must be weighed against the company's lengthy list of features, comprehensive coverage including payment of veterinary exam fees, and great customer service. Despite the price tag, Petplan customers can enjoy the peace of mind that help will always be there. Tens of thousands of pet owners choose Petplan every year to protect their furry family members.

The Bottom Line:

There's a reason AARP chose them as their pet insurance partner & there's a reason they're popular with consumers. Petplan is a great choice for pet insurance. 

Latest Reviews

Start your review for
Petplan Pet Insurance
S
Sharon Artinger
Allentown, Pennsylvania
Petplan Pet Insurance review
12/2/2016
We are currently experiencing every pet parent's worst nightmare- learning that our dog has cancer. We obtained Petplan insurance for our soon-to-be seven-year-old Doberman, Scarlet, along with two of our other dogs when they were very young. I can't say enough about the entire Petplan Insurance organization. They have responded promptly, efficiently, and with extreme compassion from the second that we had to rush Scarlet to our vet 3 weeks ago, to her being transferred to an Emergency Specialty Clinic, and to now receiving weekly chemotherapy treatments. She also receives Physical Therapy two times weekly to help regain the use of her back legs, which she lost partial use of. Each and every claim that we submitted was handled with a sense of urgency. Several pre-authorization requests were also submitted and handled very promptly and also with a sense of urgency and concern for the care of our beloved pet. Not only did I receive follow-up email responses from Petplan but I also received very empathetic phone call responses to accompany their emails, as well. I can't say enough about representatives -Chris Rugal, Bianca D'Amato, Dan Mason, David Nelson, and claims adjuster Sarah Baker. They have truly gone above and beyond, and are assets to their profession. They are genuinely compassionate to our situation and their interaction is helpful in making a very emotional experience less painful. I would encourage anyone who owns a pet to consider Petplan Insurance. One never knows what life has in-store for us. You wouldn't go without insurance for yourself or your children -why would you go without insurance for your pet? They are beloved and treasured family members. Petplan Insurance is by far the best pet insurance company out there. And believe me, I know -I have researched all of the other pet insurance companies, and in comparison, Petplan is by far superior, from their service to the various plans offered . Scarlet is fighting and we have such Peace of Mind and are extremely grateful knowing that we could give her every opportunity that is offered to her with the help of Petplan.

S
Sharon Artinger
Allentown, Pennsylvania
Petplan Pet Insurance review
12/2/2016
We are currently experiencing every pet parent's worst nightmare- learning that our dog has cancer. We obtained Petplan insurance for our soon-to-be seven-year-old Doberman, Scarlet, along with two of our other dogs when they were very young. I can't say enough about the entire Petplan Insurance organization. They have responded promptly, efficiently, and with extreme compassion from the second that we had to rush Scarlet to our vet 3 weeks ago, to her being transferred to an Emergency Specialty Clinic, and to now receiving weekly chemotherapy treatments. She also receives Physical Therapy two times weekly to help regain the use of her back legs, which she lost partial use of. Each and every claim that we submitted was handled with a sense of urgency. Several pre-authorization requests were also submitted and handled very promptly and also with a sense of urgency and concern for the care of our beloved pet. Not only did I receive follow-up email responses from Petplan but I also received very empathetic phone call responses to accompany their emails, as well. I can't say enough about representatives -Chris Rugal, Bianca D'Amato, Dan Mason, David Nelson, and claims adjuster Sarah Baker. They have truly gone above and beyond, and are assets to their profession. They are genuinely compassionate to our situation and their interaction is helpful in making a very emotional experience less painful. I would encourage anyone who owns a pet to consider Petplan Insurance. One never knows what life has in-store for us. You wouldn't go without insurance for yourself or your children -why would you go without insurance for your pet? They are beloved and treasured family members. Petplan Insurance is by far the best pet insurance company out there. And believe me, I know -I have researched all of the other pet insurance companies, and in comparison, Petplan is by far superior, from their service to the various plans offered . Scarlet is fighting and we have such Peace of Mind and are extremely grateful knowing that we could give her every opportunity that is offered to her with the help of Petplan.

M
Mary Fogerty
Minneapolis, Minnesota
Petplan Pet Insurance review
12/1/2016
I have had Pet Plan for 2 dogs, now. I'd made a spreadsheet comparing All the plans available from different companies & Pet Plan was the Only one that met All the criteria I had set as I'd studied the various plans. The staff at PP is knowledgeable, caring & the turn-around time on paying claims very quick. They are clear re. what info they need so the pet owner is sure what to send & they make it clear what claims each payment is for which, if there is a lengthy illness/injury is a Huge help to the pet owner! When the 1st dog I insured w/ them unfortunately did die - they sent the payment in a sympathy card with a packet of Forget-Me-Not seeds. Which to me sums up the caring of the staff at Pet Plan. They will do what they say they will, they pay promptly and they care. No pet of mine will ever be w/out a Pet Plan policy!!

J
Jennifer Stolting
Houston, Texas
Petplan Pet Insurance review
11/28/2016
I cannot say enough about how wonderful Petplan Pet Insurance is. Unfortunately, my Golden has had his share of afflictions, and we have had to use the insurance a lot over the years. They cover what they say they will and they pay extremely fast. I normally receive the check before my credit card bill is due. After they created the app for the smart phones, submitting claims is even easier. I recommend Petplan every chance I get to everyone who asks about pet insurance.

E
elena shvartsberg
Anaheim, California
Petplan Pet Insurance review
11/28/2016
i was really surprised with the prompt assistance and the kind and intelligent approach in helping the customers .