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's policy 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 5.5 8.8 9.1
Count 2 305 5391
10
Out of 10
Recommended

Pet Plan has excellent communication skills .

Posted: 09/20/2021
By:
David
Hairston

I am happy to have purchased insurance on diamond because of the way you care about her.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
1
Out of 10

For what I am paying for insurance ??

Posted: 09/02/2021
By:
Aleksandr
Riabinin

Worse experience with them. They won’t approve and pay for my claim ( my cat had emergency situation with gastrointestinal tract) because my cat does not have medical record for 2020! Most of vet clinics were closed in Washington state during the pandemic!

I think Petplan is lousy! I won’t use their insurance again and will call my Credit card department for refund my payment!

Injury/illness
Claim Amount
Breed

Ragdoll

Age of Pet
1 - 8
1
Out of 10

impossible Claim Approval Process

Posted: 08/21/2021
By:
Kimberlee
Klosowski

I have had PetPlan since 2014 and cannot get claims approved. I pay every month and pay more every month as the pets age. I have had trouble with simple claims like annual exams to a recent kidney disease diagnosis in my 10 year old cat. PetPlan needs proof that it is not pre-existing and needs records that are over 8 years old even though I have submitted more recent veterinary history documents that show the kidney disease was not pre-existing. The claims are closed without resolution and they note, 'you did not respond,' even though I did (many times). I have filed a complaint with the BBB due to the pro-longed and ongoing problems that never resolve. What happens when we encounter an emergency situation? Why even get pet insurance if all I am doing is paying for no reason?

Injury/illness
Claim Amount
Breed

American Shorthair

Age of Pet
Over 8 years
1
Out of 10

Onwer

Posted: 08/14/2021
By:
Andrea
Walker

DO NOT go throught his company. They are a scam!!! When I enrolled, I had trouble uploading documents so I ended up on the phone with a rep who walked me through and told me everything looked good and they had what they needed. Fast forward a year and my cat needed majoyr surgery. I submitted my claim with the documentation from the vet's office. Suddenly, they can't find any of my documents. I've been on the phone 3 separate times with reps, each time telling me everything looks good,. I even got an email saying everything looked good, that there wasn't anything else I needed to do as they were reaching out to the vet. Then I get another email telling me they can't process the claim. When I spoke to the rep after that, he said their company would never send an email llike that. When I did a screeenshot of it and sent it to him, he had nothing to say except that they couldn't process the claim.

THIS COMPANY IS unreliable, its reps contradict themselves, they lie and they do everything possible to not honor what they promise. There are enought Pet Insurance companies out there that I would highly recommend GOING SOMEWHERE ELSE. I am.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
Monthly Cost

Depends on your chosen plan.

Coverage

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

The complete sick visit, including the exam fees, 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, including ER and specialty hospitals.

Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits. 

 

Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.

 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit. 

 

Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.

 

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.

 

Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more.

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 $250 to $1,000.

Per condition deductibles from $250 to $2,500 also available.

Age Limits

Pet must be at least 6 weeks old to enroll. 

No upper age limits for enrollments apply.

Waiting Period

Coverage goes into effect at 12:10am the day after activation. Accident and injury coverage begins after a 5-day policy waiting period. Illness coverage begins after a 15-day waiting period.

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).*

*Healthy knee exam must be done in the first 30 days after the inception of the policy in order for the 6 month cruciate exclusionary period to be waived.

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 and routine care expenses are not covered.

 

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.