Petplan Pet Insurance Review

Rating: 8.9 / 10 (Excellent)
257 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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San Jose, California

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Kathy K
Philadelphia, Pennsylvania

I have been with Petplan Pet Insurance for several years now. Just recently in the past year and a half my yorkie has experienced pancreatitis which led to exocrine pancreatic insufficiency and diabetes. Without Petplan I am not sure I would have been able to get the best treatment for my baby. They are awesome. Turnaround time for claims is so quick! When your pet is ill, the last thing you should be thinking of is how to pay for meds, tests, visits, etc. Petplan has given me peace of mind.
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Cheryl L
Pompano Beach, Florida

My three fur-babies have been insured with Petplan since they were puppies. They are now 12, 10, and 10 years old. I have not had to use my insurance until recently when one of my dachshunds Gracie was diagnosed with mammory cancer. She needed 2 operations since the lumpectomy did not work and she needed to have the whole line of memory glands on one side removed. Thank goodness she's doing great and needed no chemotherapy. Petplan is a lifesaver to me knowing if ever my babies get sick their treatments will be very affordable for me. I put the claim in for Gracie and received a check in the mail within two weeks. Everyone I've spoken to at Petplan were so nice and always asked how... Read More
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Denise D
Springfield Gardens, New York

I love PetPlan, but the premium increase is becoming way too costly. I have had two claims and I do understand that premiums rise. I even called to see about increasing my deductibles and co-pays, but the savings were minimal at best. I work in the insurance industry so I get how it all works. I was advised that the new underwriter is not allowing changes until you are a customer for three years. I insure 5 cats and want to add a 6th. I am sorry to say that you are going to lose a customer.
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Toni B
Huntington Beach, California

I have had PetPlan Insurance for 9 years. I have never had a claim, but have renewed my insurance with the staff direct every year and they are wonderful, Gina Blair was outstanding and Tammy and all the other staff are very knowledgeable and very helpful. I won;t claim they are the most competitive rates, they were the best when I first purchased 9 yrs ago, but rates have been raised after 3 yrs at least 40% each year with no claims, so if I was to purchase again I would have to make an assessment of their costs. Pet insurance is very expensive as is our pets care, but it is an investment for the health risks we face with our pets. Hope I never have to use it, but I know Pet Plan will... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Toni, thank you for choosing Petplan for your family for all of these years. Please email us at if you would like us to take a closer look at your policy to make sure you are taking advantage of every option to reduce your monthly premium. In many cases the ability to customize your policy can result in reducing the cost.

New Orleans, Louisiana

PetPlan is the best, and so easy to work with! We have submitted quite a few claims this year, and we have a check in the mail within two weeks of submitting a claim, no questions asked! Filing a claim is so easy to do online. We were undecided on whether or not we should get pet insurance when we got a puppy, but we are SO glad we went with PetPlan. I recommend it to everyone that has a pet!
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your support Adrienne, we're honored!

Ke S
Seattle, Washington

Petplan is a total life saver! I have two Alaskan Malamutes and I had their insurance through Petplan for two years. Until now, I am 100% satisfied with Petplan insurance service, I think in some circumstance, Petplan is better than my own human insurance plan. My dog, Sugar, has unspecified allergy since last year, we visited multiple general vets and dermatologist, had several exam and surgery, and Petplan backed us up! I would never find the right dermatologist for Sugar without the help of Petplan. Not to mention the bill for sedation and reverse in every surgery (that's quite a bit for a dog over 100lbs), Petplan got you covered. All you need to do is take photos of your invoice... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Ke Shi, thank you for taking the time to post your review. We are so glad you are happy with the care we provide to your family.

Kate T
Denver, Colorado

n March 26, 2014, I met my best friend at the local shelter. Riley Coyote is the spunkiest, happiest American Eskimo pup. This past Spring, Riley fell and broke his arm. What I had thought was a clumsy move turned out to be bone cancer. And worse, it had travelled. In a matter of days, we were talking amputation, x-rays, chemotherapy. My head was spinning. We went through all the treatment. When things started to calm down, I remembered I had bought pet insurance. Now I am a human surgeon, and I am quite weary of insurance companies. I was not sure how this was going to go. Were they going to make it very difficult to get compensated? Was there a lot of fine print that would... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your support Kate! We're honored that you chose Petplan to protect your sweet pup Riley. We understand the care your boy needs and will be there for you when you need us most.

Shirley H
Gulfport, Mississippi

Excellent customer service. Mobile app vet easy to use. Highly recommend.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your review Shirley. We're glad our mobile app makes processing claims easy.

Glen Ellyn, Illinois

My cockapoo has been insured by Petplan since she was a pup. We found out she had a serious condition caused by her rabies vaccine. Petplan has covered all her treatments by a dermatologist and everything since. Claims are always processed quickly without hassle. I would recommend to anyone getting a new pet. Now that my dog is 10 years old, the premiums are high for top of the line coverage, but we get out money's worth.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Jo-Ann thank you for taking the time to post your review. We are honored you chose Petplan for your family.

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