Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
150 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Petplan rated?
Benefit Limits
Reimbursement Models
Claims and Service

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


 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.


 $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
Non-routine Vet Exams including ER and Specialists
MRI, ultrasound, CT Scans
Diagnostic treatments
Prescriptions & Nutraceuticals
Dental (injuries and periodontal disease)
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.
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. 

Start your review for Petplan Pet Insurance

Latest Reviews

Based on customer reviews
150 Reviews
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Marlene Jehnsen
I have 5 of my dogs insured with Petplan and unfortunately my dogs have had many expensive health issues. Petplan has paid for everything as promised, never a problem with reimbursement. My only gripe is that after years of being insured, my dogs are now 9 years old and their premiums are now getting so much more expensive that I will have to drop their insurance.

Andrei B
Ridgewood, New Jersey
I have been a loyal Petplan customer for many years now and always believed that what I paid and what I got in return was fair all involved. Today I got a notice indicating that my existing policy was not going to be renewed because Petplan was getting a new underwriter. I currently pay an annual premium of $1275 for my 11 yr old beagle with a $200 deductible and 90% coverage. Now with their new policy in order for me to get the same level of coverage my annual premium would be $2800. OVER DOUBLE. I find this to be completely unacceptable and am seriously considering switching insurers. If I had a new pet I would NOT recommend anyone paying these new costs.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Hi Andrei, I can understand your frustration about the pricing and why you might be taken aback by the change and how it has affected your premium. I'd love to help clear up as many of these concerns as possible for you and better explain the change, as well as review your account to see if any adjustments can be made. Please send me an email at [email protected] so I can assist you. Thank you.
Cathi LaRusso Platz
Ottawa, Ontario
I can't say enough about how great Pet Plan has been to us. Our sweet Murphy has been through so much, and they have always been fast,efficient, empathetc and kind. Kim Boone called this morning to check on Murphy and to see if we had any questions. She was very compassionate and we really appreciate it .

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Thank you for those kind words, Cathi. Our family members mean the world to us, and we only want the absolute best care for Murphy. We're honored to have you in the family.
J Poe
I took out Petplan insurance about 6 years ago for my toy poodle, Molly. I am SO glad I kept it each year even though I never had to use it much until recently. A few months ago, Molly started gagging and coughing and had several visits to her vet which resulted in some testing and some big bills, but not a definite diagnosis. I took her to a second vet who still did not completely figure out the problem, so we went to a THIRD vet that someone recommended. He immediately did ultrasound, EKG, echocardiogram, chest x rays, upper endoscopy with biopsies of her stomach and small intestine, and a lymph node biopsy. This resulted in large vet bills. Also, unrelated to all that, Molly broke a... Read More

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
We are so happy to hear Molly's doing better after all her ordeals! Poor pup! It's our absolute honor to be here to lend you a paw in these times of need and we appreciate your kind words and feedback.
Leona Ryan
BEWARE! Petplan is not what it used to be! They have a new underwriter and premiums have SKYROCKETED!! The premium, for my cat, was $531.04 with a $200 deductible per condition, per policy term, 80% reimbursement, and a $10,000 annual allowance. That will now cost me $1350.02!!! The best option they're offering is a premium of $806.34 with a deductible of $500 per condition, per policy term, 70% reimbursement, and a $15,000 annual allowance. I had three cats insured with them over the last several years and felt they were fair about most things including premium increases. Two of my cats (now deceased) had quite a few claims submitted and service was always prompt and friendly. My last... Read More

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Hi Leona. Thank you for voicing your concerns. I understand your frustration and would like to help. We take customer satisfaction very seriously at Petplan; after all, we consider every member family. I would like to discuss your comments further and review your account. Please email me directly at [email protected] so that I can put you in touch with our customer service management team to help resolve this. Thank you. - Keith
Deb L
I have been with PetPlan for over 5 years - since then their rates have increased astronomically! They have more than doubled in the last year alone.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Hi Deb - premium increases can difficult to manage, so I understand your concerns and would like to help. Please email me at [email protected] so we can review your account and put you in touch with someone in customer service who can go over any additional options that may exist regarding your pet's premium and coverage. Thank you - Keith
Deborah Weidhaas
We have submitted 2 claims for our 7 month old puppy and Petplan paid nothing on both claims. They decided that there would be a lifetime exclusion for all dental work because my dog has inherited an overbite even though they claim to cover non routine dental work and hereditary conditions. This company looked at my puppies' health records and excluded everything they possibly could--what's left? Not much. Also, to add insult to injury, they put in a note that we needed to follow everything our vet suggested or that could be a reason for denying a claim. Now my ability to make decisions about what is best for my puppy has been taken away and I am at the mercy of whatever the vet says... Read More

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Hi Deborah - While no pet insurance provider can cover a pre-existing condition, we want you to feel empowered as a Petplan policyholder to make the best decisions for your pet's care. It is clear from your comment that we have not yet done so, and I would like to help understand why. Please send me an email at [email protected] so we can review your denied claims and underwriting and make you feel more confident in the coverage you have purchased. Thank you - Keith
Stan Burford
Insurance, for any reason, is one of life's little burdens we all grumble about. So the question is, are better having it or not? We all know the answer, or you wouldn't be shopping here. I, of course had to learn the hard way - several thousand dollars of pet vet bills for a young dog told me that it could happen again. Enter Petplan. I did shop around and their rates, services and compensation plan were [are] the best. Unfortunately I've had to make several claims and each time Petplan has been there for us from moment one. I only wish they handled my car insurance. 5 STARS !!!!!

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Thank you for the kind words, Stan. It's our honor to serve you and your pet family members. - Keith
Rene Rutishauser
Denver, Colorado
I have been a Petplan customer for quite some time. Recently, our dog broke a tooth and pulp exposure required a triple root canal to avoid infection and tooth loss. I got pre-authorization from Petplan without a problem and was able to get our dog in with the vet dentist in time to avoid further complications. After the procedures I corresponded with Emily at Petplan. She made sure that I would submit the right paperwork and final invoice etc. in order to get reimbursed quickly as it was quite a large bill. Emily was extremely helpful, kind and professional and only enhanced my very positive experience with Petplan.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
That's great to hear, Rene. We will make sure Emily gets this note, and we look forward to serving you and your pet family members for many years to come. - Keith
Sister Pat
Petplan is an outstanding and worthy insurance for my Golden Retriever.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Thank you so much!
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