Petplan is a leading pet health insurance provider in the United States and Canada the preferred provider of pet insurance for the American Animal Hospital Association and AARP members. For nearly 15 years, Petplan has set the gold standard for pet health insurance coverage as the first pet health insurance provider to offer a “Covered for Life” option and cover pets of any age without broad exclusions for hereditary and chronic conditions. 

Learn more about Petplan Canada's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 6.8 6.8 9.1
Count 0 38 3898
10
Out of 10

The best pet insurance in the USA, hands down!

Posted: 04/05/2007
By:
Lisa
B.

Finally! A pet insurance company that sets the standard for how pet insurance should be in this country. Petplan started & continues as a company of pet lovers for pet lovers. Petplan is unquestionably the gold standard for pet insurance - hands down! It is an essential for every pet owner who wants to provide their pet with the best health care available with affordable plans for everyone.
Prior to finding Petplan, I, like many, thought that pet insurance in this country defeated its purpose as it usually proved not worthwhile. Prior to joining Petplan, my pets were insured by one of the largest & well known, pet insurance companies, but were subject to high premiums, difficulties in receiving fair coverage for claims, untimely claim processing, and often unhelpful or ill-trained customer service.

However, Petplan has changed all this! Petplan distinguishes itself from current pet insurance plans with truly exceptional insurance plans that offer:

o $20,000.00 of coverage per year – not
just a lifetime limit,
o Lifetime coverage for the entirety of
your pet’s life only with Petplan,
o Coverage for hereditary and chronic
conditions -the only company who
covers such with no limits per
condition,
o Ability to choose your deductible and
add your desired level of
coinsurance making it affordable for
everyone,
o Coverage for alternative therapies,
o Features refreshingly, helpful and well
educated customer service who go
out of their way to demonstrate real
care about you and your pet’s health
and happiness.
o And much more.

Aside from the best health insurance coverage and customer service available, one of the most delightful surprises I enjoy with Petplan is how much of a valuable resource they are in helping me to provide the best care I can for my pets in conjunction with my veterinarian. Petplan truly cares about your pet by empowering and educating you to keep your pet in the best possible health! They even worked with me individually by going to the mat for me to help fairly determine what preexisting conditions should or should not be included for my pets insurance policy.

All of the above-mentioned and more make Petplan a company that values and reflects superior integrity, excellence, and quality. For the fist time, I have peace of mind that I can give my pets the best heath care available. It simply is the best pet insurance I have had the pleasure to experience. I cannot sing Petplan’s praises enough as a truly dedicated pet owner!

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10

Very Fast and Fair Claim Payment

Posted: 03/10/2007
By:
Chris
in

I chose PetPlan because their coverage seemed a lot more extensive than other carriers. If you are shopping, watch out for things like exclusions of genetic/hereditary conditions and payments based on fee schedules or the insurance company's definition of "reasonable charges." Recently my dog ingested poison, and the bills totaled almost $1300. I filed a claim (keep your vet receipts) and received reimbursement for almost $1000 in less than 2 weeks. My only responsibility was the co-pay and deductible. My vet told me that he was a bit surprised as most of the other pet insurance companies his clients deal with are focused on looking for ways to deny payment.

Injury/illness
Claim Amount
Breed
Age of Pet
Monthly Cost

$16 - $60, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible. 

Non-routine exam fees, including at ER and Specialists, are covered.

The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada.

Payout Limits

Annual limits range from $2,500 to unlimited depending on your chosen plan.

No per condition limits.

No limits or exclusions for hereditary or chronic conditions.

Deductible

Annual deductible from $100 to $2,500.

Per condition deductibles from $100 to $2,500 also available.

Age Limits

Pet must be at least 6 weeks old to enroll. 

No upper age limits apply.

Waiting Period

Coverage goes into effect at 12:10am the day after activation. Accident claims are valid after a 5-day policy waiting period. A policy waiting period of 15 days applies for illness claims. 

Hip dysplasia – standard illness waiting period applies.
Cruciate, patella, and soft tissue disorders of the knee – six (6) month exclusionary period (waivable by Petplan if a healthy knee exam by your veterinarian during the policy period – call Petplan 24/7 for details).

Exclusions

Pre-existing conditions are not covered.  Curable pre-existing conditions may be coverable after an exclusionary period – call Petplan directly 24/7 to learn more.  Preventive care expenses are not covered.

Alternative therapies such as acupuncture, physical therapy, hydrotherapy, and holistic care are covered as standard in every plan.  No additional fees.

Non-routine exam fee coverage, including specialists, and non-routine dental coverage including periodontal disease, are covered as standard in the policy. 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits.

Petplan is a leading pet health insurance provider in the United States and Canada the preferred provider of pet insurance for the American Animal Hospital Association and AARP members. For nearly 15 years, Petplan has set the gold standard for pet health insurance coverage as the first pet health insurance provider to offer a “Covered for Life” option and cover pets of any age without broad exclusions for hereditary and chronic conditions. 

Petplan’s innovative approach to pet insurance has been recognized by Forbes, Financial Times, Bloomberg, Inc. magazine, Smart CEO, the Communicator Awards, Ernst & Young and many others. 

Petplan supports partner shelters, rescues and humane societies across the U.S. in addition to funding humane veterinary research into hereditary, congenital and other chronic conditions through the Petplan Fund.