Petplan Pet Insurance Review

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.

Rating: 8.9 / 10 (Excellent)
220 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.

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 Specifics

Pets Covered
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

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.

Medical Conditions Covered

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

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications

Reimbursement & Maximum Benefit Limits

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%.

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.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement
Benefit Limit Types

Claims, Service, & Deductibles

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.

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.
Advertised Response Time
5 days
Claim Form
Online Portal
Mobile App
Deductible Type
Per Condition Annual
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Petplan cost?

Starting Monthly Premiums

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


Enrollment Age & Waiting Periods

Min Enrollment Age
6 weeks
Max Enrollment Age
8 years
Illnesses Waiting Period
14 days
Free Look Period
30 days

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.

Company Profile

Full Name
Petplan Pet Insurance
Year Founded
AGCS Marine Insurance Co.
Moody's Financial Rating
Standard & Poor's Financial Rating
AM Best Financial Rating
Company Website
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Start your review for Petplan Pet Insurance

Latest Reviews

Based on customer reviews
220 Reviews
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Save your money. Pet Plan is a money pit of high premiums that go up every year. In year seven I now pay $1450.00/yr And I have had total paid claims over the 7 years of $250.00. Late last year their underwriter dropped them. The new underwriter is forcing me to go from $200 deductible to $500. And copay up to 30% from 20. People-- don't get taken in. Put a few dollars away per month in a pet fund and you'll be way ahead. I'm out several thousand dollars that I will never get back.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Ray, I understand your frustration and would like the opportunity to connect you with a Petplan team member who can take a closer look at your options to determine where we might be able to provide you a reduction in your monthly premium. Please email us at [email protected] and include your policy number to review your potential options.
Charlotte, Michigan
PetPlan has been great for us. We're not sure how we would afford our dog's medical bills without them. The claim process is easy and quick. We have recommended PetPlan to friends and family alike. They are always easy to get a hold of on the phone to answer questions about the policy and coverage.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. We're appreciate your support.
Jenn D
Glen Mills, Pennsylvania
Excellent customer service. I spoke to Gina yesterday when I called in for information on starting a policy for my new puppy. I called in with very little knowledge I am afraid, but Gina walked me through the plan and answered all my guestions (and there were a lot). Gina was very informative and super friendly. Thanks pet plan and Gina, I will be calling back ASAP to sign up my fur baby.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
That is great news Jenn! We're honored you are choosing Petplan for your family.
Jesus T
Parsippany, New Jersey
PetPlan is definitely a top above A+ insurance with technology on its side, filing a claim is a breeze with the iPhone app. It only took me 5 minutes to file the claim and a few weeks to get reimbursed.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your honest review.
Jill A
Dumfries, Virginia
We have been with PetPlan for many years, and have insured a total of 6 dogs with them to date. They have always come through, through many different surgeries, medications, illnesses, etc with no issues. One of our current dogs just had FHO surgery and the reimbursement check arrived 3 days after I submitted the claim! They are currently covering his physical therapy. We are a multiple dog household, so we cannot afford to be without good pet insurance. I never want to be in a position that I can't pay for the care my animals need. They also have covered euthanasia, even when someone comes to the home. The care and concern shown by their staff even on social media, after an animal... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
We're honored that you chose us to protect your family.
Debra N
Buffalo, New York
It has been an emotional 2017 with 5 my year old Bichon/Lhaso Apso. She woke up one morning in April and couldn't walk. She was immediately rushed to have an MRI and then surgery on her back. She was recovering well but recently had another episode of back issues. She was put on pain medicine and had such an adverse reaction she was back in ICU and almost died. The past two weeks she has been in and out of vets and it's been truly emotional. In April, I submitted all her surgery expenses to the insurance and had no issue. Again, this week I was able to get all my documents together and submit them without any issues. I've called PetPlan many times for direction on what to submit and... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Debra, thank you for taking the time to share with others your experience with Petplan. We are so glad you have received top-notch care from everyone you speak with here at Petplan. Thank you for your support, we're honored.
Courtney M
Winnipeg, Manitoba
Fabrice is an excellent representation of customer service. He was clear, had great practical examples and walked me through the entire process. I really appreciated his patience with all my questions too. I am looking forward to this new relationship with Petplan!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for posting your review. We're honored you chose Petplan for your family.
Lavinia P
Hialeah, Florida
Best pet insurance ever. I never want to second guess healthcare decisions for my four legged family members - two rescues, a dog Lyla and a cat Gracie. They even cover behavioral problems which nobody really covers. Lyla, my now 14 year old Maltese, an ex puppy mill mom who I adopted when she was 8 years old, has battled cancer - if it wasn't for Petplan I would have had no help in dealing with the over 14k between surgery and radiation therapy. She has been cancer free for over three years now - thank you Petplan for helping me do the best for her.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. We're honored to be there for you when you've needed us the most.
Cari I
Ontario, California
Since updating their policies in 2017, we have been extremely disappointed! The amount of money we pay and have paid over the 8 years of our dogs life vs what we get reimbursed is ridiculous. It's absolute robbery. Do your homework. Check other plans. As your dog gets older and is in more need of veterinary care, you pay more and get less back!! What kind of care is that??!!! I feel like the whole pet insurance industry is a complete joke. I also JUST learned of the veterinary professionals discount by reading this page. My husband IS a veterinary professional. I have mentioned this multiple times in speaking with PetPlan reps and not once has anyone told me there was a discount. Shame on... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Cari, I'm sorry that we have not met your expectations and would like to have you speak with a Petplan team member to review your complaints and see if we can address your frustrations. Please email us at [email protected] and provide your policy number and phone number where we can contact you. As soon as I receive your email with your policy information I will be able to take action on your behalf.
Kyle K
, North Carolina
Our 2 year old chocolate lab had a luxating patella that required surgery to correct. PetPlan was very helpful in processing the pre-authorization (which was optional) and the final invoice claims. They promised to refund our costs within 30 days. 48 hours after submitting the final invoices through their mobile device, they e-mailed me letting me know a check had been cut and sent. Emily Briggs from customer service was extremely helpful in resolving my claim. She helped me process the missing paperwork and when I forgot to submit a couple claims, she submitted them for me when I e-mailed proof to her. I highly recommend PetPlan for your pet insurance needs.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to share your experience with Petplan with others, we appreciate your support.
Start your review for Petplan Pet Insurance