Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
252 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 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.
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

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. 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.
Deductible Type
Per Condition Annual
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 Periouds

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.
Min Enrollment Age
6 weeks
Max Enrollment Age
8 years
Illnesses Waiting Period
14 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 for treatment. Petplan also gives you the flexibility of submitting this information through its app for Android and iPhone.
Advertised Response Time
5 days
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

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252 Customer Comments & Reviews

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Carl B
Portland, Missouri

In choosing a pet insurance plan for my miniature dachshund I did a lot of research that took me a long time to do. I had to be certain because we love our little one very much. I found that PetPlan offers the most services at the lowest cost. I'm paying $30 per month where other places want $70 for far less coverage. PetPlan also has a lost pet service that I did utilize one time. My dog was found. PetPlan is not like one of those huge companies where there is no customer service. I have had no trouble with them and in fact they have contacted me when they did not have to. I am very happy with their services.

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.

Debbie M
Burlington, Wisconsin

Called today to get info and Quotes for 2 puppies I am picking up tomorrow. Rates were OK for having more than one pet. Was quoted for $10,000 per year max. rate and had to ask if they had others. Had spoke with Tom, and was quick with answers, seemed very cold and unhappy to even be at his job. Asked him to email me info quoted and other then gave my email. Of course I never received anything from him. Made to feel like I was bothering him or something. So much for their 24-7 "happy" phone service! After reading some of the reviews here and rate increases too added to cold customer service without their email to follow up info on, I think I will go with a different company!

John K
Somerville, Alabama

Started out paying around $30 per month but it has gone up every Jan 1st about $3 per month. We`re now over $40 per month so we are going to start shopping around elsewhere.

Kyle M
Stockton, California

Run away from this company. Do not walk Scam artists. You will not get any money back for any claims submitted! Run. Run very fast. Horrible customer service as well.

Char R
Orange, California

I was so happy with Pet Plan, having been with them for 4 years, I introduced my 2 sisters and a neighbor to this organization. I have 2 dogs enrolled, with very minimal, routine claims, nothing life threatening, my premiums, tho higher than other insurance companies, remained the same. Last month, one of my dogs ingested a high dosage of medication, I had to have him hospitalized for 3 days, my claim was for $1600.00 not excessive in this day of medicine. Within week, I received a letter that my premium would be going up 80%!!! Tho the letter stated it was not due to my claims, it was routine due to my dogs age, increased medical treatments... hummmmm, After submitting this review, I... Read More

Catherine C
Los Angeles, California

No stars!!! Worst pet insurance out there! Total rip off! Don't waste your money or you time!

Vania K
Seattle, Washington

Petplan is expensive. I paid $65/month for my 10-year-old Pomeranian (I enrolled him at 9 worrying that he would encounter more health issues in his "golden years"), which btw, was more than my car insurance premium. My premium went up to $82 this year, when my Pom turned 10. I filed 3 claims during the 1.5 years I was with Petplan and none got reimbursed. I got 2 out of my 3 claims rejected due to pre-existing conditions, and I never heard back about the last one. In some ways, rejection on the basis of pre-existing conditions is absolutely fair, but at 10 years old (for a dog), I guess everything would be pre-existing conditions so it was my fault for not reading into more detail about... Read More

Minneapolis, Minnesota

Been a customer for 6 years. Rates started at $525 a year and now $1275 a year. Only one claim in that time i during 2011 for $245 dollars.

Brett M

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

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