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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Susan L
New York, New York

I have been very happy with PetPlan insurance. I got it when I first brought Tyler home as a puppy. I knew I never wanted to not be able to have a medical test or procedure done because of cost so I signed up. We used it sporadically for a few years but when Tyler was 6 he experience seizures. We raced to the vet who sent us to a neurologist, who ordered an MRI. I was scared to death. I had enough to worry about with his health much less worry where the money would come from to pay for tests and treatment. We got a diagnosis and Tyler is on medications and needs to have his bloodwork done every few months for a pheno level and to see the effect on his liver function. He also sees his... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time post your review. We're so glad to be there for your family when you've needed us the most.

Debbie L
Elkins Park, Pennsylvania

We signed up our rescued Maltese mix dog, Ziggy, when we got him five years ago. We've made several claims, all of which have been handled quickly and efficiently. Everyone I've spoken to at PetPlan has been exceptionally friendly and helpful - if only insurance for humans were such a pleasure to work with! Ziggy was just diagnosed with mitral valve insufficiency and will require care for the rest of his life. We are so grateful for the security of knowing that his ongoing care will be affordable.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. We'll be there for you and Ziggy for the rest of his life.

Aaron M
Boulder, Colorado

We have been very pleased with PetPlan. I am impressed with the ease of submitting a claim online, and the service has allowed us to continue treating a difficult injury for our dog. Insurance always feels too expensive and I wish they'd cover more than 70% (but this could mean we need a different plan), but they have been responsive and understanding to each of our claims. For expensive claims, they even expedite the process and get us a check within a week. Overall, very happy with the service and grateful for their help.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. I'm glad we have been there for you when you've needed us the most.

Maggie M
Plano, Texas

My three-year-old Chihuahua-Pomeranian mix, Dany, first became sick in late May 2017 and was diagnosed with pancreatitis. Two weeks later, she became sick again and could not stop throwing up. She spent several days at the pet hospital and was eventually diagnosed with Inflammatory Bowel Disease. The vomiting had severely damaged her esophagus, and shortly after she came home, she began regurgitating even soft food and could barely eat anything. In just a few weeks, her weight had dropped from fourteen pounds to less than ten, and it was impossible for her to gain weight. She had to have a feeding tube in order to get enough food. Two months later, Dany is slowing gaining weight again and... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Maggie we're honored you chose Petplan for your family. Thank you for taking the time post your review.

Penny S
Altamonte Springs, Florida

It was very clear this time that my cat did not have any pre-existing conditions that would prevent the payment, as I have experienced in the past. They agreed to pay all charges, minus the $200 deductible which was fair. They agreed to pay within an hour of submitting the claims. There were initially some problems with their online submission process but they corrected it and I was able to do it all online instead of mailing it in, as in the past.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to share your experience regarding a recent claim you submitted to Petplan. I'm glad we were able to get the technical issue resolved so you could complete your submission online. We hope the treatment your kitty received is helping resolve the reason for your recent visit to the vet.

Sarah R
Akron, Ohio

My husband and I have been with Petplan for over 20 years now both in the UK and in the USA. We have had many bears (dogs) during this time. We have been fortunate enough to share our homes, money, food, cars and sofas with the hairy critters but unfortunately two of our bears during this time have required many surgeries and treatments. Our last bear who is still living at home is Katie, she is a 10 1/2 year old Newfoundland. Over Katie's life time she has had five major surgeries which alone would have cost us over $10,000 which we would have struggled to pay if it wasn't for the insurance. Not once has Petplan ever come back to us and said 'Sorry, you are not covered', and for this we... Read More
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Sarah, we are honored that you have chosen Petplan for all these years to protect your family. We're so happy to be there for you when you have needed us the most.

Newport Beach, California

I've had PetPlan for 2 years now and it is it time for the renewal. Policy premiums increased almost $400 while they decreased the reimbursement percentage. They no longer offer 100% reimbursement. Note, I have not filed any claims with them so not sure why the steep increase. My dog is 9 years old and in very good health. It's probably best to just save the premiums paid and use that for vet costs.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Martha, I understand why you would be frustrated with your premium increase. I would like to have a Petplan team member follow-up with you to explain in detail why your specific policy premiums increased. During this call we would also review options to reduce the cost for your policy going forward. In some cases we have been able to make changes that will reduce cost. Please email us at with your policy number and I will have a team member call you today.

Cary, North Carolina

Save your money. Pet Plan is a money pit of high premiums that go up every year. In year seven I now pay $1450.00/yr And I have had total paid claims over the 7 years of $250.00. Late last year their underwriter dropped them. The new underwriter is forcing me to go from $200 deductible to $500. And copay up to 30% from 20. People-- don't get taken in. Put a few dollars away per month in a pet fund and you'll be way ahead. I'm out several thousand dollars that I will never get back.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Hi Ray, I understand your frustration and would like the opportunity to connect you with a Petplan team member who can take a closer look at your options to determine where we might be able to provide you a reduction in your monthly premium. Please email us at and include your policy number to review your potential options.

Feasterville, Pennsylvania

PetPlan has been great for us. We're not sure how we would afford our dog's medical bills without them. The claim process is easy and quick. We have recommended PetPlan to friends and family alike. They are always easy to get a hold of on the phone to answer questions about the policy and coverage.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review. We're appreciate your support.

Jenn D
Lenni, Pennsylvania

Excellent customer service. I spoke to Gina yesterday when I called in for information on starting a policy for my new puppy. I called in with very little knowledge I am afraid, but Gina walked me through the plan and answered all my guestions (and there were a lot). Gina was very informative and super friendly. Thanks pet plan and Gina, I will be calling back ASAP to sign up my fur baby.
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Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
That is great news Jenn! We're honored you are choosing 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