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 8.9 9.1 9.2
Count 77 396 5270

Petplan USA Pet Insurance Reviews

1
Out of 10
Posted: 01/17/2021
By:
Roseann
Wolferd

Legal theirs. $145.00 on an 1145.00 clam. After arguing with them the determination was they knew at the time of my policy renewal they were not going to cover my pet however they accepted 2 years of premiums at almost 1,000 for the year. Run!

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 01/16/2021
By:
JoAnne
Moore

Just started with AARP PetPlan for my new pup, no claims yet. Found their price for my needs best of all quotes. Had to call them with a question or two; Daniel was awesome! Thanks!

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 01/15/2021
By:
Jacob
Halstead

Called for a claim status update after speaking to Joe about my 2 different claims he was able to get everything on track and even got notes from the vet for me. It’s hard to find a service rep that actually goes beyond to help you out and he did just...

Injury/illness
Claim Amount
Breed

Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 01/13/2021
By:
KimLann
DimSoy

I am absolutely blown away by the customer service I received from Happiness Manager, Joe. I called because I was having a hard time uploading docs to the site and application to file a claim, and Joe was so kind and patient with me as I emailed him the...

Injury/illness
Claim Amount
Breed

Lhasa Apso

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.