Petplan
Overall Rating:
Total Reviews:
Major Medical Coverage:
Included
Wellness Coverage:
Excluded
Average Price Range:
$15-25/mo.

Petplan Pet Insurance

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.

 

Petplan Reviews

Overall Rating

Petplan is one of the most trusted companies, which is illustrated by a customer satisfaction rating of 4.3 / 5.0. Here is a summary of Petplan’s customer satisfaction ratings.

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Coverage

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 Pet plan insurance is an excellent choice. They do not offer wellness coverage, but by not offering wellness care they can keep costs low.

Overall:

Coverage Notes

 

  • 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

 

Coverage Highlights

One Customizable Plan

Petplan Pet insurance offers one simple, comprehensive plan that you can customize to meet your needs and budget.

* 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
  • Exclusionary period for knees can be waived with a healthy knee exam/check at the vet
  • 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
  • 15-day waiting period for hip dysplasia

Coverage Details

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
Waiting Period:
5 days, 15 days

Enrollment Requirements

*6 month waiting period for knee conditions

Cost

Petplan pet insurance 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 Refundable if the policy is cancelled within the first 30 days Not applicable in all states; subject to approval by state
Premium:

Costs vary by age, breed and zip code.

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Sample Premiums

Top 10 Dog Breeds

Mixed Breed Dog:
$41/mo.

Top 10 Cat Breeds

Mixed Breed Cat:
$21/mo.

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Customer Reviews

About Petplan

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.

Company:
Policy Options:
Service:

Company Profile

Headquarters:
Philadelphia, Pennsylvania

Policy Exclusions

Petplan Pre-Existing Conditions: A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.

i. Any injury that happened or any illness that first showed clinical sign(s) before the effective date of this policy; any illness that first showed clinical sign(s) during the waiting period beginning on the effective date of this policy; any injury that occurred during the waiting period beginning on the effective date of this 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 this policy; any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the waiting period beginning on the effective date of this policy; or 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 waiting period beginning on the effective date of this 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 this policy; any illness that is caused by, relates to or results from any illness or clinical sign(s) your pet had during the waiting period beginning on the effective date of this policy; or any injury that is caused by, relates to or results from any injury that occurred to your pet during the waiting period beginning on the effective date of this policy. This exclusion applies no matter where the injury, illness or clinical sign(s) are noticed or occur on your pet’s body.

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.h.) 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. If your pet has received treatment for a cruciate or soft tissue injury to one knee prior to policy inception then the other knee is automatically excluded. If your pet has shown clinical signs of a cruciate or soft tissue injury to one knee prior to the effective date of this policy or during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.h.), then the other knee is automatically excluded from coverage.

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 fifteen (15) 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

 

Definitions

  • Clinical Signs – Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, recorded in your pet’s medical record, or identified in previously performed examinations or treatment(s) for your pet).
  • Congenital Defects or Abnormalities – Any condition(s) or disorder(s) present at and existing from the birth of your pet.

 

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