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Petplan Pet Insurance Review


Rating: 8.9 / 10 (Excellent)
249 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?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
6/10
Pricing
8/10
Enrollment

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
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
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
70%
Maximum Percent Reimbursement
90%
Benefit Limit Types
Annual
Unlimited

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
Mail
Email
Fax
Online Portal
Mobile App
Deductible Type
Per Condition Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$1,000

Pricing: How much does Petplan cost?

Starting Monthly Premiums

Dogs
$29.16
Cats
$18.19
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

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
Company Website
Headquarters
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073

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249 Customer Comments & Reviews

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Nick
, Minnesota
10/20/2017
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


A
Alex K
Brooklyn, New York
10/16/2017
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


S
Susan T
Scotts Valley, California
10/12/2017
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
10/12/2017
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!

L
liza S
Etobicoke, Ontario
10/10/2017
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
Allen Park, Michigan
10/3/2017
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.

A
Alicia
Concord, California
9/21/2017
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.


Bianca D
Glenolden, Pennsylvania
9/17/2017
I am so thankful I have Petplan for my dog Zoey, who unfortunately has an ongoing issue that Petplan is covering. She also recently has been limping and has been to the vet twice for this and we're still unsure what the cause is and Petplan has covered the expenses for this as well. I recently submitted four claims for both the ongoing issue and limping and when I realized my claims were taking a little longer than usual to be completed, I contacted Petplan and spoke with Gina. She made sure I didn't have to wait much longer for my claims to be completed and she notified me that they were done the day after I spoke with her. Thank you Petplan and Gina!


Betsy E
Orlando, Florida
9/15/2017
Petplan has been a great Insurance for my 2 Pugs over the last 6.5 years. They recently had Dental surgery ( both dogs) by a Board Certified Dentist and I was unsure if Petplan would pay. I spoke to 3 awesome reps many times, Blair G, Simone and Tami R ( I seemed to need to call daily for about 2 weeks) my claims were expedited ( without me having to ask) and we got reimbursed almost $4000 within about 10 days. My one pug didn't handle the surgery very well and Petplan paid for a specialist and ER visits, no problem. I recently talked to Blair again and she really cared about my dogs and remembered them, asked how they were. The claims representatives are a big plus for me, they helped... Read More


Deby R
The Bronx, New York
9/10/2017
I just renewed our 3 dogs coverage with the help of Regina B. She was not only friendly and courteous but she also did everything she could to keep our premiums as low as possible. Regina also checked on a claim that I had submitted for one of our dogs knee surgery and expedited so we could receive payment soon. I truly appreciate the kindness and consideration shown to me as a consumer. Thank you Regina!!



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