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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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

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.

Beverly Hills, 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.

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.

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.

Newark, California

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.

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
Glen Mills, 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.

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.

Jesus T
Boonton, New Jersey

PetPlan is definitely a top above A+ insurance with technology on its side, filing a claim is a breeze with the iPhone app. It only took me 5 minutes to file the claim and a few weeks to get reimbursed.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your honest review.

Jill A
Woodbridge, Virginia

We have been with PetPlan for many years, and have insured a total of 6 dogs with them to date. They have always come through, through many different surgeries, medications, illnesses, etc with no issues. One of our current dogs just had FHO surgery and the reimbursement check arrived 3 days after I submitted the claim! They are currently covering his physical therapy. We are a multiple dog household, so we cannot afford to be without good pet insurance. I never want to be in a position that I can't pay for the care my animals need. They also have covered euthanasia, even when someone comes to the home. The care and concern shown by their staff even on social media, after an animal... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
We're honored that you chose us to protect your family.

Debra N
Buffalo, New York

It has been an emotional 2017 with 5 my year old Bichon/Lhaso Apso. She woke up one morning in April and couldn't walk. She was immediately rushed to have an MRI and then surgery on her back. She was recovering well but recently had another episode of back issues. She was put on pain medicine and had such an adverse reaction she was back in ICU and almost died. The past two weeks she has been in and out of vets and it's been truly emotional. In April, I submitted all her surgery expenses to the insurance and had no issue. Again, this week I was able to get all my documents together and submit them without any issues. I've called PetPlan many times for direction on what to submit and... Read More

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Debra, thank you for taking the time to share with others your experience with Petplan. We are so glad you have received top-notch care from everyone you speak with here at Petplan. Thank you for your support, we're honored.

Courtney M
Winnipeg, Manitoba

Fabrice is an excellent representation of customer service. He was clear, had great practical examples and walked me through the entire process. I really appreciated his patience with all my questions too. I am looking forward to this new relationship with Petplan!

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for posting your review. We're honored you chose Petplan for your family.

Lavinia P
Miami, Florida

Best pet insurance ever. I never want to second guess healthcare decisions for my four legged family members - two rescues, a dog Lyla and a cat Gracie. They even cover behavioral problems which nobody really covers. Lyla, my now 14 year old Maltese, an ex puppy mill mom who I adopted when she was 8 years old, has battled cancer - if it wasn't for Petplan I would have had no help in dealing with the over 14k between surgery and radiation therapy. She has been cancer free for over three years now - thank you Petplan for helping me do the best for her.

Keyai L  
Official Response

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

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