Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
257 Customer Comments & Reviews - see all comments
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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, hospital stays, rehabilitative care, and holistic therapies. Also, all non-routine veterinary exam fees are covered in all plans, including at emergency & specialist hospitals. Petplan has the most comprehensive coverage of dental injury and treatment of periodontal disease. Finally, Petplan will cover curable pre-existing conditions after the 365 day exclusionary period following policy inception. The company also covers most bilateral conditions when one side is considered to be pre-existing, which is something many other providers won't do.
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
  • Alternative Care

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. Petplan operates on an annual deductible, which is ideal as you will only have to meet the one deductible regardless of incidences.
Deductible Type
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 Periods

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. Accident coverage begins 5 days after enrollment, but there is a 15 day waiting period for illnesses. Medical records are required when filing a claim, but not for enrollment.
Min Enrollment Age
6 weeks
Illnesses Waiting Period
15 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 within 90 days of treatment. Petplan also gives you the flexibility of submitting this information through its app for Android and iPhone. This service provides instant and paperless claims filing at time of discharge from the veterinary hospital.

Petplan also features the "Telehealth" service. This facility provides coverage for telephone consultations for an immediate lifesaving emergency.
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

What We’re Hearing From Our Readers
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Customer Comments

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Sondra S
Denver, Colorado

This is not the company I originally signed up with. That company charged a reasonable rate and paid on claims that made it worthwhile to get pet insurance. Not anymore. After I lost 3 cats to cancer, thyroid, and kidney conditions prior to my current cats, I thought that insurance made sense to help pay the bills. However, the way this company now operates is just plain wrong. It's robbery. It's insensitive. Don't do it. My advice: Read the fine print with any insurance company. And don't expect that what you buy today will stay the same. In this case, it surely didn't. And now my cats are older and have pre-existing conditions, so I can't switch. My choice is to keep paying this... Read More
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Newark, New Jersey

DONT EVER THINK ABOUT IT!!!!!! RUN!!!! RUN AWAY FROM THEM BEFORE THEY TOOK YOUR MONEY!!!!!!!! If your pet had ever got into any issues before you purchase this insurance, you are never going to be covered. If you think your pet's emergency situation is getting covered by the insurance, you are totally wrong!!! You will be ending up paying every single penny of the emergency situation AND the expensive policy fee. They will use EVERY POSSIBLE DETAIL of your previous record to deny your claims, no matter how they are actually unrelated. I strongly suspect that their people are not qualified for any diagnoses. They will always come up with a conclusion benefit to them so... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Rosie, I understand why you would be frustrated that your recent claim was rejected. I would like to have a Petplan team member take a closer look at your recent claim history to see if we missed something during the initial review of your claims. Please email us at your policy number so I can have a Petplan team member follow-up with you.

Phoenix, Arizona

If you start the policy before taking control of the animal and it gets sick they consider it a preexisting condition also if your pet has an accident that too will be considered a preexisting condition. If you value your pet choose another provider. The deductible is not broke down into a percent of a claim so when my bill was $400 they took the whole $300 annual deductible from that claim leaving only $100 reimbursement.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Danny, I'm sorry your experience with Petplan has not been positive. I understand why you would be frustrated with a claim being rejected because it was a pre-existing condition. Your annual deductible must be met before we are able to reimburse you. Now that you met your annual deductible any future claims would receive the full reimbursement. If you would like to speak with us regarding your recent claims that were rejected, please email us your policy number at and I will have a Petplan team follow-up with you.

Mary H
Chicago, Illinois

I have gone through the ringer with you! I have to WORK a full time job with you to get service Promised. Claims are lost! Inability to read claims! A timely return on cash put out! Shameful! This company is full of regret! Apologies etc. etc.
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Atlanta, Georgia

We have had an excellent experience with Petplan! Our wheaten poodle mix has had several stomach and allergy issues since we adopted him and I don't know what we would have done without Petplan! My only advice would be to check into the policy and plan for when the coverage actually begins. We didn't realize there was a waiting period once we signed up for treatment coverage and had to pay more from the onset of our policy than we anticipated.
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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
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Kevin N
Ridgefield, 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
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Carl B
Mokane, 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.
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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
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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
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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