Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
259 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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DeeDee A
Honolulu, Hawaii

If I could give this company 0 stars, I would. We purchased a plan for a 13 year old beagle and the company was more than willing to cover her since she had not reached their age limit. She has a few health issues that we knew would never be covered (and we wouldn't expect them to be), which included atypical Cushings, polyarthritis, and a back issue. However, we wanted to purchase the plan just to ensure she would be covered in the event that she was diagnosed with an unrelated condition like cancer. Unfortunately, she was diagnosed with TCC about a month after the plan went into place. Our vets were confident that this would not be a pre-existing condition, since she had never shown... Read More
1 People found this helpful.

Laurie L
Hatboro, Pennsylvania

They are horrible liars!! I bought this "protection" 2 years ago for my Yorkie and was promised by Mike that she would be covered for all congenital issues. Guess what $15,000.00 dollars later and the death of my beloved little Doodles they paid NOTHING. Dont but this dont belive them they are HORRIBLE
1 People found this helpful.

Philadelphia, Pennsylvania

I will not purchase Pet Plan for my second cat. Seems every service my first cat has is chalked up to a condition she had as a kitten though they are not clinically related so no coverage. Now wondering if I should cancel the policy as I am wondering if anything will ever be "covered."
1 People found this helpful.

John B
Cromwell, Connecticut

We had a broken leg claim which was handled 5 star...however, every year the insurance premium hikes $10. Doesn't matter how wonderful or nice PetPlan is, we must change to a more stable pet insurance carrier.
1 People found this helpful.

Claudia M
Denver, Colorado

I do not recommend this company. Despite the fact that I have had the insurance since approx. 2008 and have submitted only one claim for teeth cleaning. This company recently raised the rates on my dog by 22%! I have tried to obtain a reason for this increase which is far beyond increases I received for either my own property insurance or my own health insurance. I can only assume that they have done this "because they can". I find this astounding. The people I have spoken with like to say "I'm sorry you feel this way" - and they don't seem to understand the difference between "feelings" and "facts"...I plan to shop for a different company asap. I will not give them another penny given... Read More
1 People found this helpful.

Curtis S
Edmonton, Alberta

I adopted a cat 5 months ago and he was completely healthy until last week. He had a problem with his urinary tract. When it was absolutely dire to have him operated on pet plan wouldn't set up pre authorization and I had to put him down. I lost my little buddy forever because an insurance company couldn't provide insurance in an emergency situation. Never deal with these people. They wouldn't even reimburse the cost of euthanization. I'm now left empty hearted and full of resentment towards them. If you value the life of your pet, never obtain this insurance.
1 People found this helpful.

Brett M
Arlington, Virginia

If I could give zero stars I would choose that option. I had this insurance for seven months and the first claim I submitted was for what was most likely a visit to the vet due to a stomach flu. It took them 74 days to process the claim and they denied the claim without notifying me. I had to call them to determine the status of the claim only to be told that the claims department decided my dog's visit was due to a pre-existing condition. A little over six months prior to my claim I had to take my dog to the vet, because of unexplained vomiting. The vet basically gave her something to calm her stomach and the symptoms went away a day later. Apparently because the symptoms were similar... Read More
1 People found this helpful.

David C
Metairie, Louisiana

We got an 8 week old puppy thinking that surely if we got PetPlan from the start, we would be solid. Nope. Nope. Nope! Puppy got giardia (which causes diarrhea) in the first 14 days. So now, anything even remotely related to diarrhea is not covered. That includes weird seizures. That includes when he doesn't feel good for any reason and has diarrhea. So what is covered then? Maybe a broken bone? We appealed twice already and each time they deny our claims. Thousands of dollars of claims completely unrelated to giardia or diarrhea yet they find a way to "tie it to" the "preexisting" conditions -- even seizures!? Cancelling this crap and going with another provider. Oh, and another thing,... Read More
1 People found this helpful.

Ryan S
Seattle, Washington

I purchased Pet Plan insurance for my healthy dog after his younger brother racked up tens of thousands of dollars in vet bills. I thought I was purchasing peace of mind that if my older dog ever became sick it wouldn't be as financially devastating. My older dog ended getting sick well after the waiting period and Pet Plan said he had a pre-existing condition. They've never been able to say what the condition actually is, but they will not cover anything for my senior dog unless he get's into an accident. My vet has written a letter and explained how this is simply not true. Pet Plan has denied every claim even though my dog never had a diagnosed or treated pre-existing... Read More
1 People found this helpful.

Janet G
Newark, New Jersey

Do not use this company. They pay for nothing! Since I took out the policy 5yrs ago I've collected a total of $16.50 from them for a medication once for my dog. I'm done! Cancelling! The per-condition deductible makes it possible for them to never make a payout unless your pet has a major illness and even then they will find a way to get out of paying! This is not the same coverage I got when I first signed up and after research I've found a lot better plans out there.
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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