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

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 8.1 9.1 9.2
Count 32 395 4891

Petplan USA

1
Out of 10
Insurer: Petplan USA
Posted: 02/21/2020
By:
kelley folk

Be Careful of this company. Premiums rise dramatically and the deductible is structured in a way that it helps only the company, not the customer.

Injury/illness
Claim Amount
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
1
Out of 10
Insurer: Petplan USA
Posted: 02/20/2020
By:
M

Premiums go up ridiculously every year. This year's renewal the premium for my dog went up from over $1000 to $2800. She'll be 15. I had a 16-yo dog last year also insured with them and the rates were the same as hers at the $1000. Obviously, after...

Injury/illness
Claim Amount
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
1
Out of 10
Insurer: Petplan USA
Posted: 02/18/2020
By:
robert Baum

The fine print with Petplan is that they apply the deductible per "condition" rather than per year. We had a very sick dog that had multiple organ failure in the end. Petplan applied the $600 deductible per organ, resulting in $1800 of additional...

Injury/illness
Claim Amount
Breed

English Toy Spaniel

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 02/17/2020
By:
Chanda

My initial call to Petplan when we arrived at the hospital was very helpful, and my experience today with Stacey went over and above what I could expect. I really appreciate everyone who has made this process as easy as possible. Stacey even pre-filled...

Injury/illness
Claim Amount
Breed

Cockapoo

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.