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. 

Average customer rating

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 9.4 9.6 9.2
Count 70 548 4517

Petplan USA

10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 03/13/2019
By:
Connie Jo Lawson

I just signed up I'm so excited to be able to give my wonderful healthcare, Georgia helped me completely she's awesome a complete 10

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
7
Out of 10
Insurer: Petplan USA
Posted: 03/08/2019
By:
Lily Chen

At the beginning it was very frustrating. I was like a football, kicked by your office (keep asking for more records) and my Vet ( he told me he sent it twice already). Until I reached Stacy and expressed my concern. She assured me that she understood my...

Injury/illness
Claim Amount
Breed

Dachshund

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 03/06/2019
By:
Norman Yamaguchi

This is a copy of an email I sent to Alyssa's supervisor:

I just wanted to let you know what a fantastic customer service representative (CSR) you have in Alyssa Weber. She's incredible. She is proactive and truly caring in making sure that all my...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 03/06/2019
By:
Richard Lutman

My Cairn developed lymphoma when he was 15. The doctors couldn't have been more helpful and honest. They said treatment would give Oliver 9-12 months. He made it to 16. The care they took of him was outstanding. I put 4,000 miles on my car driving from...

Injury/illness
Claim Amount
Breed

Cairn Terrier

Age of Pet
Over 8 years
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.