Petplan has 40 years of global experience in offering care, support and value to pet owners with its comprehensive, fully customizable plan. It supports partner shelters, rescues and humane societies through the Petplan Fund.

Average customer rating

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 9.5 9.5 9.2
Count 70 589 4442

Petplan USA

10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 01/11/2019
By:
lisa

I am so thankful for PetPlan! My dog has gone to the ICU and has had 4 surgeries on her legs since 2015. Without PetPlan, she may not have made it this far, and her quality of life would be much lower. PetPlan's coverage is worth every penny! It has...

Injury/illness
Right and left hind floating patellas; right and left torn ACLs
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 01/11/2019
By:
Maureen Peterson

My beloved Alexandra (Lexy) developed Irritable Bowel Disease in Sept.2018 and the vet bills, for a widow on fixed income, have been overwhelming. Without PetPlan, I would not have been able to give her the care she so desperately needed. PetPlan's...

Injury/illness
Irritable Bowel Disease/Syndrome
Claim Amount
$100 - $500
Breed

Siamese

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Petplan USA
Posted: 01/11/2019
By:
Eda

This insurance saved my dogs life. Without it I would not have been able to afford the 2 surgeries and hospital stay for my dog. She had a cancer surgery and foreign object removal surgery. Petplan was super fast with the claim and payment. No hassles...

Injury/illness

Cancer

foreign object removal
Claim Amount
Over $1000
Breed

Boston Terrier

Age of Pet
1 - 8
2
Out of 10
Insurer: Petplan USA
Posted: 01/11/2019
By:
Barbara Murray

After paying premiums for over 4 years (now over $1500/year) PetPlan DENIED a claim for major dental work (loose tooth, 8 extractions) as my dog had a “pre-existing condition”: 5 years ago she had light tartar on her teeth. They explained that they did...

Injury/illness
Periodontal disease
Claim Amount
Over $1000
Breed

Maltese

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 has over 40 years of global experience in offering care, support and value to pet parents with its comprehensive and completely customizable insurance plan. 

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.