Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
252 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
The original Petplan was founded in the UK in 1976. It's US affiliate, Petplan Pet Insurance - North America, was launched in 2003 and based in Philadelphia. The company is recommended by the Humane Society of the United States and offers comprehensive accident and illness coverage for cats and dogs.

How is Petplan rated?


Benefit Limits
Claims and Service

Overall Rating: 8.9 / 10 (Excellent)

Petplan ranks highly with us chiefly because of the comprehensiveness of coverage, and flexibility in customizing deductible/reimbursement percentage/benefit limit combinations. In light of this, the customer is afforded a high degree of leeway to mix and match to get the right premiums and coverage options for their situation.

Petplan Coverage

Coverage - 10 / 10

Petplan offers extremely comprehensive coverage in comparison to the other companies we rate. They handle all accidents and new illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing and hospital stays. Also, all non-routine veterinary exam fees are covered in all plans, including at emergency & specialist hospitals. Finally, Petplan has the most comprehensive coverage of dental injury and treatment of periodontal disease.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications

Benefit Limits

Benefit Limits - 10 / 10

Although Petplan doesn't offer across the board unlimited coverage like Healthy Paws, it does the next best thing by being the company that allows you the most flexibility in choosing and annual benefit limit. Petplan's annual limits can be set at $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited. This can be advantageous if you research the types and costs of conditions your particular breed is susceptible to, and combine it with the cost of treatment considering your area.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 10 / 10

Like all the leading pet insurance policies today, Petplan will pay a pre determined percentage of your actual veterinarian bill after you have met your deductible. The percentages available are 70%, 80%, and 90%.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

Compared to other providers, Petplan offers a very flexible deductible schedule as well, allowing customers to choose deductible levels anywhere between $100 - $1,000. If you have the wherewithal to meet a higher end deductible, it is going to translate into lower monthly premiums. However, Petplan operates a per condition deductible. So you'll have to take into consideration you will be paying the full deductible for each separate condition.
Deductible Type
Per Condition Annual
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Petplan cost?

Pricing - 6 / 10

Petplan offers competitive pricing that is pretty much industry standard and in line with what you might expect of comparable plans. The company also offers discounts for registration online, as well military personnel or medical service pets.

Starting Monthly Premiums

Rate Details: Annual Deductible: $1,000, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: Wag-worthy 10% discount for veterinary professionals when they enrol online (5% veterinary professional discount + 5% online discount)

Enrollment & Waiting Periouds

Enrollment - 7.5 / 10

Petplan allows enrollment for dogs and cats as young as six weeks. Also, unlike most companies the company does not have an upper age limit so older animals can get covered as well. There is a one time $25 enrollment fee. Accident coverage begins 24 hours after enrollment, but there is a 14 day waiting period for illnesses. Petplan may ask for medical records, but they are typically not required for enrollment.
Min Enrollment Age
6 weeks
Max Enrollment Age
8 years
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Claims and Service - 9 / 10

Petplan is one of the only pet insurance companies to specifically state a claims payout timeframe in its terms and conditions -- 30 days. To file you must first print out and sign the personalized claim form, and either fax, email, or mail it with the relevant receipts and invoices for treatment. Petplan also gives you the flexibility of submitting this information through its app for Android and iPhone.
Advertised Response Time
Claim Form
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
Headquarters Address
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Year Founded

Leave a comment for Petplan Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

252 Customer Comments & Reviews

Loading Reviews ...
Toronto, Ontario

Do not use this company! They are the worst and have no interest in your pets health. We had our plan changed on us to increase our annual fee and also increase our deductible from $200 to $500. All of this was done behind our backs without telling us. We only found out after a $1000 surgery where we only got $90 of coverage. Please, Please, Please do not use this company to insure your pets. We spent so much money to protect our dog to only get pennies back. After speaking with customer service several times, we were told a letter was mailed to inform us of the change and if we didn't receive it (which we didn't), an "assumption" was made which resulted in an increased in fees and raise... Read More

Kevin N
Wethersfield, Connecticut

I rate this company zero stars. We've had coverage for two years since buying a breeder puppy. Have had over $5,000 in vets bills for various conditions, and all claims have been denied. Other owners with similar claims with other insurers have had claims paid. Thos company has been a sham for us

Carl B
Portland, Missouri

I HAD PetPlan for several years. I WAS happy with them. They were BOUGHT by another company who REDUCED COVERAGE and INCREASED PREMIUMS. I am in the process of TERMINATING my coverage. Before all this happened I was very happy with their customer service.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Carl, I understand why you would be frustrated. We did have a change in the underwriter, but we are still the same company who cares very much for your fur family. If you will allow us, I would like to have a Petplan team member contact you to see if we can reduce your premiums that have recently increased. In many cases we are able to identify options to keep premiums down. Please email us at and include your policy number and I will have a Petplan team member contact you today.

, Minnesota

We have had Pet Plan for 7 years. As long as we have had our dogs. This past August was the first time we had to use the insurance. One of our dogs was attacked and had close to $5,000 in medical bills. Originally we had trouble logging into the website, but their IT department sorted it promptly and kept in touch with us. More importantly Jenny, and later Gina "Happiness Managers" did a great job of helping us. We were on vacation and did not receive notice that they needed additional information. When we returned we were worried that it would become a "hassle". However, we emailed Gina. She responded really quickly. Our vet then sent over the information on a Friday, and by... Read More

Alex K
Brooklyn, New York

So, I have had pet plan for my dog, Bella for over 2 years now, I decided to get it for her after she ate a bone off the street and we needed to get her X-rays and labs. so far no claims and all was well, then this last month my wife came home with a kitten "little" we call him. I put insurance on him immediately because I am a proactive type of guy. Well you guessed it, the worst happened and the next day we came home to find him clinging to life, vomit and diarrhea all over, scooped him up and rushed him to VERG animal hospital in Brooklyn, who is AMAZING BTW. 6100.00 later Little is alive and well, well 6100 you say, heck you had insurance right? WRONG, denied the claim stating some BS... Read More

Susan T
Scotts Valley, California

I have had Petplan Insurance for about five years for my dog Madi. Madi is now eight years old and recently developed an allergy that make her very itchy, which means we have been seeing a Dermatologist. These visits are not cheap, but Petplan has been very good about reimbursing me for my expenses. I recently called Petplan to change some account information and ask about a couple of claims. Nick was very helpful with these matters and even called back the next day to let me know that my claims had been processed and my reimbursement was on the way. I really appreciate his follow-up; which was unexpected.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review Susan. We're so glad Nick exceeded your expectations.

Gretchen S
New Orleans, Louisiana

I have been using Pet Plan for years and have never been disappointed in the coverage. I have a German shepherd and a mixed breed and have had to use my insurance fairly consistently, for the GSD anyway. Recently, my reimbursement check was lost in the mail. No fault of Pet Plan. I spoke with Nick Burns who determined that it had been lost and had a new check sent to me within days. I appreciated his politeness and efficiency. Thanks, Nick and Pet Plan!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. We really appreciate it!

liza S
Toronto, Ontario

Nick Burns was very helpful. Thank you! We recommend pet plan to anyone looking for a good pet insurance.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for the continued support Liza, it means a lot to us.

Cathy J
Taylor, Michigan

I've had PetPlan for 9 years for one Golden and 5 years for another. I have been very happy with the customer service. My latest health concern was cancer for my 9 year old. I have had many claims. My happiness manager, Jennifer Grasso, has helped take some of the stress away. She keeps in touch with me and is always asking about my pets and makes sure my claims go through in a timely manner. I strongly recommend PetPlan!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for the recommendation. We're so happy you will be able to get the best care available for your pup that was recently diagnosed with cancer. Sending your pup healing thoughts.

Antioch, California

What a bad insurance company. Been with them for years and we moved literally 3 miles from our current residence and because my zip cope changed my rate increased 5.00. I am sorry it's a matter of principal. Because I moved this does not make my pet more of a risk.

Top Rated
Our Partner
8.9 / 10
  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • Choose Annual Deductible from $100-$1,000
  • 24/7 Customer Service – top rated, always available
  • Use any veterinarian in the US or Canada
  • Fast, paperless claim reimbursement via Petplan App
  • 10% Online Discount & Free Barkbox Offer