Pet Insurance Quotes

Petco Pet Insurance vs. Petplan

Petco and Petplan both offer accident and illness policies, which are the most popular type of policies for both dogs and cats. These plans cover everything from emergency room visits to long-term meds to surgery. So, if you’re looking for protection against unexpected illnesses and injuries then Petco and Petplan are both great options!

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Petco Insurance Petplan Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 4 6,434
Deductible: $100 - $500 $250 - $1,000
Reimbursement: 70% - 90% 70% - 90%
Annual Limit: $5,000 - Unlimited $2,500 to Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 5 days
Waiting Period for Illnesses: 14 days 15 days
Waiting Period for Orthopedic Coverage: 14 days 15 days**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Excluded
Vet Restrictions: None None

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Petco vs. Petplan Pet Insurance

Petco and Petplan both offer a simple, easy-to-understand plan that covers accidents and illnesses. These plans are the most popular type of pet insurance coverage accounting for over 98% of all pet insurance policies sold. An easy way to understand these plans is that they cover veterinary expenses for unexpected health issues. So if your dog is sick or your cat breaks a leg the emergency room visit, surgery and medications would all be covered. Essentially it’s protection against the unknown.

However, it’s important to point out that pre-existing conditions are not covered by any pet insurer, so it’s critical to enroll in a plan while your pet is young and healthy!

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Check out these other side-by-side comparisons of Petco and Petplan Pet Insurance vs other competitors.

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.

Petplan Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

  • 6-month waiting period for cruciate ligaments and patellar luxation
  • Standard 15 day Illness Waiting Period for other Orthopedic conditions
  • Exclusionary period for knees can be waived with a healthy knee exam/check at the vet while the policy is in force
  • 30-day waiver is available
  • Cruciate injuries and illnesses are coverable, but there is a six month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days