Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
197 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. 

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Latest Reviews

Based on customer reviews
197 Reviews
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Tom N
I called to update my payment information and I got to speak to representative Emily in the service department. She was kind and courteous and represents your company well! I wish all customer service experiences would go so smoothly

[email protected]
I have been a member of Petplan Pet Insurance since 2011. Petplan's employees have always been extremely courteous and helpful. I recently had a question about a claim and Emily Briggs there handled it immediately. Thank you Petplan for allowing me to give my pets the best health care ever.

Chrissie p
Philadelphia, Pennsylvania
Hi I called today to get some info on your pet insurance and would just like to tell you how nice the woman who I spoke with was. Gina answered all my questions and was extremely helpful.

Ann P
Houston, Texas
I have been with them for 9 years and have 4 policy's for all 4 dogs and they have been absolutely wonderful!! One of my dogs has had 2 surgeries totally over 10,000 and they have not blinked an eye. Great company and amazing customer service!

Shana M
Philadelphia, Pennsylvania
My experience with PetPlan has been stellar. Their customer service is top notch. They respond to questions, claims and appeals quickly and thoroughly. Every interaction has been great. My interactions with Emily Briggs was especially worthy of note. She was so kind and understanding. She followed up personally with me and made sure that I felt like more than just a number and incredibly valued. I recommend PetPlan to anyone that has a pet.

Matt V
Carrollton, Georgia
PetPlan is by far a must for me and my family. The representatives are incredibly helpful with not only making sure we are taken care of from a financial perspective, but also a personal perspective. For example, I called PetPlan because I accidentally submitted one too many claims, and Emily Briggs was my representative. Through conversation, she fixed the claims, which was the primary purpose of the call. She could have ended the conversation and went to the next caller, but she didn't. What took it to the next level was our conversation and she noticed how much I had in claims and made it a priority to get them processed, which was done the next business day. However, it did not stop... Read More

Tarra W
Buena Park, California
Been using Petplan for 10 years. Regina was awesome and helped me lower my rates, now that I've moved to an area without wolves. :) When I have had claims in the past everything goes smoothly and it seems like everything is continuing to go well at Petplan. Happy customer here.

Janice D
I would like to personally thank and extend my sincere appreciation to Emily Briggs for her continuing help and support with my Golden Retriever, Beckett. He's been going through a rough time, first with a mast cell tumor that initially started out as an ACL repair. I was shocked and very concerned when the tumor was found, which delayed the surgery for his ACL repair. Emily has been extremely compassionate and supportive during this process. This is my first experience having pet insurance so the protocols were a bit confusing at first. Emily has walked me through everything and has been very diligent in following up on the proper paperwork and getting everything processed through... Read More

Jill W
Tarzana, California
I'm submitting my letter to Petplan representative as a means of reviewing. You can see that this company is not easy to deal with anymore and has many issues. Here's what I wrote: Hi Kim, Thank you for the link. I may use it, but don't count on positive comments from me. I'm still waiting on a claim for 3 invoices dated 2/27 to 2/28 totaling $670.78. I finally received another claim for same dates but different receipts after over a month. I'd questioned what was happening with Elle's claims and was told that my vet had not responded with proper paper work. I contacted my vet, and they would beg to differ. They did, indeed, send in the paper work via email when originally... Read More

, California
Like the others, I'd normally rated Petplan 5 stars until I received my renewal paperwork. They increased my annual premium for about $700, and the deductible increased from $50 to $300.  We've been with Petplan for 8 years, and I am always happy with their service, so with this changes, is truly a disappointment...

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