Petplan Pet Insurance
Overall Rating:
Total Reviews:
5,949
Accident & Illness Coverage:
Included
Wellness Coverage:
Excluded
Average Price Range:
$29-35/month

Petplan Pet Insurance

Petplan is one of the the most tenured and trusted brands in the North American pet insurance market. They offer world-class injury and illness coverage plus additional coverage for lost pets, boarding fees and vacation cancellation coverage on policies with an annual limit of $15,000 or greater.

Petplan Reviews

Overall Rating

Read some of the most recent customer reviews from real pet parents just like you!

 

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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.

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)
  • 24-7 ‘fetch a vet’ Veterinary Helpline

 

Coverage Highlights

One Customizable Plan

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

  • Behavioral Therapies: Yes
  • Loss due to Death or Stray: $1,000 annually
  • Advertising & Reward: $1,000 annually
  • Boarding Kennel Fees: $1,000 annually
  • Death from Illness or Injury: $1,000 annually
  • Vacation Cancellation: $1,000 annually

*Ancillary coverages are 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

Coverage Details

  • Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.
  • The complete sick visit – including the exam fee – is covered in all plans, including at emergency and specialist hospitals
  • Covers pets of any age (over 6 weeks old) – no upper age enrollment limit
  • No Claims Credit:For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.
  • 24/7 customer service and claims
  • Short waiting period for accidents (5 days after enrollment)
  • 24-7 ‘fetch a vet’ Veterinary Helpline
  • Major Medical: Sick visit exam fees; Illnesses; Injuries; Comprehensive dental disease and injuries; Alternative, holistic and homeopathic treatments; Hereditary and chronic conditions; Behavioral treatments
  • Use any licensed vet in the U.S. or Canada
  • No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.
Accident & Illness Coverage:
Included
Wellness Care Coverage:
Not Included
Deductible Options:
$250 to $1,000
Reimbursement Options:
70%, 80%, 90%
Annual Limit:
$2,500 to Unlimited
Hereditary Disorders:
No restrictions
Minimum Age for Enrollment:
6 weeks old
Maximum Age for Enrollment:
No upper age limit*
Waiting Period - Accidents:
5 days
Waiting Period - Illnesses:
15 days
Waiting Period - Orthopedic:
6 months for knees (can be waived)**
Policy Exclusions:
Listed Below

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

Cost

Petplan pet insurance provides excellent coverage. Their policy pricing reflects the extensive and comprehensive coverage they provide, including coverage of veterinary exam fees that others exclude, and the most comprehensive coverage of dental illnesses and injury available among North American providers. 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

Note: Prices represent accident & illness coverage with $10,000 in annual coverage, a $250 annual deductible and 90% reimbursement in zip code 43221

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Sample Premiums

Dogs

Average for dogs:
$35/month

Cats

Average for cats:
$29/month

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About Petplan Pet Insurance

Petplan Pet Insurance 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+ S&P Rating.

Petplan also provides pet insurance with partner companies. Here are some companies they provide plans (and discounts) for:

  • AAHA (American Animal Hospital Association)
  • AARP
  • Esurance
  • Blue Cross Blue Shield
Company:
Policy Options:
Service:

Company Profile

Fun Fact: Petplan is the exclusive preferred pet insurance provider for the American Animal Hospital Association

Headquarters:
Newton Square, Pennsylvania
Founded:
2003
Underwriter:
XL Specialty Insurance Company (A)
Service Hours:
24 / 7 / 365
Website:
www.gopetplan.com

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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