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
1
Out of 10

Don't bother they don't pay claims.

Posted: 07/20/2021
By:
William
Errico

They don't pay I have a claim and it's been about 2 months and all they keep saying it's still in review. Just made a call
and got the same run around, asked for a Supervisor, waited on hold for 10 more minutes. Guess what no Supervisors available.
No kidding, oh wait someone will call me back. Not holding my breath.

Injury/illness
Claim Amount
Breed

Shih Tzu

Age of Pet
1 - 8
1
Out of 10

Would never recommend this insurance

Posted: 07/18/2021
By:
Shirley
Twigg

Worst decision getting this pet insurance. Has been nothing but aggravating and a waste of money

Injury/illness
Claim Amount
Breed

Shih Tzu

Age of Pet
1 - 8
10
Out of 10
Recommended

THE BEST Pet Insurance in EVERY way!!!!

Posted: 07/17/2021
By:
Karen
Wolper

There are SO many wonderful aspects of this insurance that I honestly do not know where to begin! 1) Customer Service: THE BEST!! You can always speak to a live, "Happiness Manager" (representative). 2) Claims: are processed in a timely manner providing all supporting documentation by the pet parent is sent such as procedures, medicines, necessary treatments, and vet notes. I always submitted my claims by fax with claim form, billing invoices, and vet's notes. Recently, I know that they now have an app which is continuously being worked on for more ease and efficiency, which will be up and running more efficiently soon, please be patient pet parents. Pet Plan insurance company is worth their weight in gold! 3) Pet Plan holds on to their existing customers, they do NOT drop you from the plan if you submit a lot of claims for a pet who is unfortunate enough to have constant multiple and chronic illnesses, as my pet did. 4) They are kind and compassionate in every way!!!! 5) Because of Pet Plan, they literally added YEARS to my cat's life to enable me to afford the medical procedures, medicines, and necessary treatments. This review is based on my pet having been insured by Pet Plan since September 2014 through July 1, 2021, when unfortunately my pet's life had to end. Pet Plan had been with me every step of the way through all my pet's illnesses with Inflammatory Bowel Disease (IBD), Hypertrophic Cardiomyopathy (HCM), feline asthma, and dental disease. Therefore, I had 7 years of experience to be able to advise anyone looking for pet insurance that I HIGHLY recommend Pet Plan!!!! GO FOR IT! You WON'T regret it! They get the gold star award in my opinion!

Injury/illness
Claim Amount
Breed

Sphynx

Age of Pet
Over 8 years
2
Out of 10

Truly awful website and portal

Posted: 07/16/2021
By:
Joy
Kennedy

I've had nothing but trouble with this insurance company, and both their app and website are awful. Good luck submitting a claim and the reams of documentation they require (but keep the file size under 3MB!!)...and then just get denied because, you know, insurance companies are just in it for the profit. And no apparent appeal process.

Injury/illness
Claim Amount
Breed

Miniature Schnauzer

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.