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Petplan Pet Insurance
|Major Medical Coverage||✔|
✓ = Included X = Excluded
Petplan is considered by hundreds of thousands of pet owners as the gold standard in pet insurance. In fact, the company was named to Forbes Most Promising Companies list, coming in at #59 last year. Here is a snapshot of Petplan Pet Insurance.
Petplan also provide pet insurance with partner companies. Here are some companies they provide plans for:
- AARP Pet Insurance
- Esurance Pet Insurance
- Blue Cross Pet Insurance
Overall Rating: ★★★★★
Petplan is one of the most respected and highest rated pet insurance companies in America, and rightfully so. Our scoring reflects Petplan's new policy, which provides the most comprehensive coverage for accidents and illnesses without the need to add riders or other confusing options.
Learn More: Pet Insurance Scores
Category Rating: ★★★★★
Coverage is king. Whether you're shopping for pet insurance, auto insurance or life insurance, coverage is what differentiates insurance policies. If you're looking for excellent accident and illness coverage then Petplan is an excellent choice. They do not offer wellness coverage, but by not offering wellness care they can keep costs low.
- Unlimited Lifetime Benefits
- Non-routine veterinary exam fees are covered in all plans, including at emergency and specialist hospitals
- 24/7 customer service and claims
- Short waiting period for accidents (5 days after enrollment)
- Lost & Found tag powered by PetHub
- 24-7 “fetch a vet” Veterinary Helpline
- Sample Petplan Policy
- No company covers pre-existing conditions
One Customizable Plan
Petplan offers one simple, comprehensive plan that you can customize to meet your needs and budget.
|Annual Limit||$2,500 to Unlimited
|Lifetime Limit||$2,500 to Unlimited|
|Accidents + Injuries||✔|
|Veterinary Exam Fees||✔|
|X-ray, mri, cat scan, etc.
|Non-Routine Dental Treatments||✔|
|Behavioral Therapies *
|Lost due to Death or Stray *
|Advertising + Reward *
|Boarding Kennel Fees *
|Death from Illness or Injury *||O|
|Vacation Cancellation *||O|
* Ancillary coverages will be included in all plans with an annual coverage limit of $15,000 or greater at $1,000 annually for the following:
- Treatment of behavioral conditions with a licensed veterinarian
- Lost pet advertising and reward
- Boarding fees
- Loss due to theft or straying
- Death from covered illness/injury
- Vacation cancellation
Here is a quick overview of policy details to give you an idea of what to expect when building your custom Petplan quote.
|Deductible Type||Annual or Per Incident|
|Deductible Options||$100 to $2,500|
|Reimbursement Options||70%, 80%, 90%|
|Hereditary Disorders||No restrictions|
|Wellness & Routine Care||Not Available|
|Minimum Age for Coverage||6 weeks old|
|Maximum Age for Coverage||No upper age limit *
|Waiting Period Injuries||5 days|
|Waiting Period Illnesses||15 days|
|Orthopedic Waiting Period||6 months **|
|Policy Exclusions||Listed at End of Page
* Pets six years or older at the time of initial enrollment will be required to have a veterinary exam within thirty days of the policy inception date (currently within twelve months).
** Orthopedic Health Issues
- 6-month waiting period for cruciate ligaments and patellar luxation
- Exclusionary period for knees can be waived with a healthy knee exam/check at the vet
- 30-day waiver is available
- If your pet is treated for a cruciate ailment on one side the other side is excluded for 12 months from the date of treatment
- 14-day waiting period for hip dysplasia
Category Rating: ★★
Petplan provides excellent coverage, but is one of the most expensive pet insurance plans in the country.
Discounts, subject to individual state approvals:
- Maximum discount 10%
- 5% Online
- 10% Military Personnel - active or retired
- 10% Medical Service Pet
- $25 one-time enrollment fee
- Refundable if the policy is cancelled within the first 30 days
- Not applicable in all states; subject to approval by state
Average Costs for Different Breeds
Here are some sample of dog insurance costs of Petplan's accident and illness policy.
|Dog Breeds||Cost *|
|Mixed Breed Dog||$41/mo.|
|Average for All Dogs||$45/mo.|
* Accident & illness coverage for a 3 year-old dog
And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.
|Cat Breeds||Cost *|
|Mixed Breed Cat||$34/mo.|
|Average for All Cats||$34/mo.|
* Accident & illness coverage for a 3 year-old cat
Category Rating: ★★★★★
Customer Satisfaction: 91%
Total Reviews: 6,133
Petplan is one of the most trusted companies, which is illustrated by a customer satisfaction rating of 91%. Here is a summary of Petplan's customer satisfaction ratings.
|Ease of Enrollment||★★★★★|
"Petplan Paid Our Claim with No Issues"
"Our dog racked up over $5,000 in veterinary bills after getting hit by a car. Broken bones, 6 days in the hospital and 2 surgeries. We're extremely lucky her injuries were not life threatening and miraculously he's almost fully healed thanks to our vets and Petplan!"
Margo & Bessie
"I'm So Happy We Had Petplan"
"Monty's medication costs over $90 per month and Petplan covers 90% of the cost. Petplan covers long term conditions so I'm glad we had them over other companies. I'm so happy we had Petplan or else I don't know what I would have done."
Danielle & Monty
"Not All Pet Insurance is Created Equal"
"Rocky is a lab mixed breed and suffered from hip dysplasia and needed corrective surgery. We submitted the claim to Petplan and just as advertised they paid 90% of the bill. Such a relief and such a great experience."
Stanley & Rocky
More Stories: Petplan Insurance Reviews
Category Rating: ★★★★
The company was founded by husband and wife entrepreneurs Natasha and Chris Ashton. Petplan is actually the sister company of Petplan UK, which is the world’s largest pet insurer. Underwriter: XL Specialty Insurance Company, A+ A.M. Best Rating.
|Underwriter||XL Specialty Insurance Company (A)
|Headquarters||Newton Square, PA|
|Leadership||Natasha and Chris Ashton|
|Claims Reimbursement||95% of claims paid in 5 days|
|Vet Policy||Any licensed U.S. veterinarian|
|Service Hours||24 / 7 / 365|
|Trial Offer||30 days|
Fun Fact: Petplan is the only pet insurance company to be endorsed by AARP
Pre-Existing Conditions: Congenital defects or abnormalities where clinical sign(s) were apparent prior to the effective date of the policy or that became apparent during the first fourteen (14) days beginning on the effective date of your policy.
i. Any injury that happened or any illness that first showed clinical sign(s) before the effective date of this policy. Or for any illness that first showed clinical sign(s) during the first fourteen (14) days beginning on the effective date of your policy. Or for any injury that occurred during the first twenty four (24) hours beginning on the effective date of your policy.
ii. Any injury or illness that is the same as, or has the same diagnosis or clinical sign(s) as any injury, illness or clinical sign(s) your pet had prior to the effective date of your policy. Or for any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the first fourteen (14) days beginning on the effective date of your policy. Or for any injury that is the same as, or has the same diagnosis or clinical sign(s) as any injury that occurred to your pet during the first twenty-four (24) hours beginning on the effective date of your policy.
iii. Any injury or illness that is caused by, relates to or results from any injury, illness or clinical sign(s) your pet had prior to the effective date of your policy. Or for any illness that is caused by, relates to or results from any illness or clinical sign(s) your pet had during the first fourteen (14) days beginning on the effective date of your policy. Or for any injury that is caused by, relates to or results from any injury that occurred to your pet during the first twenty-four (24) hours beginning on the effective date of your policy. No matter where the injury, illness or clinical sign(s) are noticed or occur on your pet’s body.
Cruciate Ligament or Soft Tissue Injury - Bilateral - If your pet has received treatment for a cruciate or soft tissue injury to one knee during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.g.) then the other knee is automatically excluded from coverage for a period of twelve (12) months from the date of last treatment to the affected knee.
Intervertebral disc disease when another disc in the same or neighboring spinal region (e.g. cervical, lumbosacral) was previously treated or showing clinical sign(s) prior to the effective date of this policy or during the first fourteen (14) days beginning on the effective date of the policy.
Breeding, Pregnancy, Whelping treatment
Routine and preventive treatment
Experimental procedures and treatments
Organ transplants - not deemed medically necessary or not first approved by us
- Clinical Signs - Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, or recorded in your pet’s medical record).
- Congenital Defects or Abnormalities - Any condition(s) or disorder(s) present at and existing from the birth of your pet.
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