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)
210 Customer Reviews - see all reviews
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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.

Company Profile

Full Name
Petplan Pet Insurance
Year Founded
AGCS Marine Insurance Co.
Moody's Financial Rating
Standard & Poor's Financial Rating 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

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

Benefit Limits


Benefit Limit Types

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.


Key Facts

Deductible Type
Per Condition Annual
Minimum Deductible Offered
Maximum Deductible Offered

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.


Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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%.

Claims & Service

Key Considerations

Advertised Response Time
5 days
Claim Form
Online Portal
Mobile App

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.

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.
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Latest Reviews

Based on customer reviews
210 Reviews
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Marg H
Hamilton, Ontario
Having to pay up front, and getting reimbursement by Pet Plan kinda defeats the purpose of having insurance!!! A lot of people can't afford up front costs, especially if it's a sudden occurrence!! If we had the money to cover Vet bills, we wouldn't need the insurance!!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Marg, I'm sorry you are not happy with the reimbursement option that is standard for all of our policy holders. We do however work with vet clinics to pay direct as long as the clinic is willing to work with us. If you would like more information about this option please email us at [email protected] and I will connect you with a Petplan team member who can help you.
San Juan Capistrano, California
Emily was great and made the process of filing my claim very simple. She took the time to ask how my my puppy Hula was doing after eating a bee, and even made a personal follow-up phone call a week after we spoke to see how Hula was doing! Petplan has been great for my family. They have knowledgable and caring members on their team and it gives us peace of mind knowing we have good insurance coverage for our pets. This claim was over $1,000.00 and having Petplan made the emergency situation a lot less stressful. I highly recommend Petplan for pet insurance.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your review Nikki!
Melissa K
I submitted my claims online and then called customer service two days later. Emily Briggs was absolutely amazing and such a wonderful help. She helped expedite Tucker's claims and I could not be happier with her professionalism and friendliness. She was a pleasure to speak with and I am so happy you have such caring service reps who truly care about our pets. A++++++++

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your review!
Tamara B
Elmer, New Jersey
Recently they have been nit picking everything I submit. And they refuse to cover issues that were only preexisting to being insured with them. I had heard bad things about them when I switched but had to learn my own lesson I guess.

Cathy H
Swansea, Massachusetts
I have had Petplan insurance for 15 years for 4 different dogs, and for just 2 of my Golden Retrievers, who unfortunately had numerous health issues they have saved me well over $30,000. But thanks to great health care one lived a happy eleven years, and my eight year Golden is happy and loving life. Because of Petplan I never had to think twice about proceeding with a surgery or treatment, whether it was a simple cracked tooth that needed to be pulled or treatment for mast cell cancer. The new rates are a bit higher but still well worth it, even my German Shepard who is healthy, but has allergies her medication is covered. The staff is great to work with, friendly, helpful, claims... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to share your experience. We're honored.
Aliso Viejo, California
Petplan Pet Insurance will gladly take your money, but if you have a claim it is highly unlikely to pay, claiming it is a pre-existing condition. Had an insignificant mole on my dog 5 years ago. Decided to have a needle biopsy on it due to changes in the size of the mole, then Vet said we should remove it since it had some spindle cells in the biopsy. Thankfully it was benign. But Petplan did not allow the claim saying it was a pre-existing condition, even though the Vet sent a letter letting them know that when it was examined 5 years ago there was no reason to believe it was a problem and there were no issues. Do not buy their insurance, you are better paying it out of pocket then the... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
I'm sorry your recent claim was denied. If you would like us to review your recent claim in more detail please email us your policy number at [email protected] and I will be sure to have customer service follow-up.
This is the worst insurance ever!!!! They always have excuses to do not pay!!!!!! Do not waste your money

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Laura, may I coordinate a phone call with you and one of our customer service representatives to see if we can correct the frustration you have with Petplan? Please email me at [email protected] and I will have someone call you today.
Philadelphia, Pennsylvania
My new puppy got sick in middle of the night, I was frantic and called in and spoke with Gina who was extremely comforting as she explained the claims process and even help me locate and ER. I never had a puppy before and had no idea they could be so much work. The fact that she was able to help me a my puppy is all I needed to be a loyal petplan customer. Thanks Petplan!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for sharing your experience with our 24/7 customer service team!
Clemmons, North Carolina
I was satisfied until contract renewal in 2017. Company changed underwriters. Awful premiums/deductibles for price; key clauses in policy changed. I would change if I could, but I have older pet with pre-existing conditions.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Diann, I understand your frustration and have asked our Customer Service team to contact you to see if we can identify options that will reduce your monthly premiums.
Celia H
Evansville, Indiana
I agree with previous reviewers who stated that Petplan used to offer good insurance at a reasonable price and with decent coverage. No longer. As others have mentioned, the company has recently changed their underwriter; the result is that they are now offering policies with exorbitant rates and minimal coverage. I have been with Petplan for eight years and have requested non-renewal for the next year. My ten-year-old greyhound, George, and I will now go it alone. If you are considering this company, one word of advice: Don't.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Celia, I understand your frustration with your premiums recently increasing and would like to connect you with a customer service representative to review your policy in detail. In some cases we have been able to make recommendations that help reduce premiums. Please email us at [email protected] so I may coordinate a call.
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