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 9.6 9.0 9.2
Count 96 272 5100

Petplan USA

1
Out of 10
Insurer: Petplan USA
Posted: 04/10/2008
By:
Chris

Because my cat had a cough within the 14 day waiting period (treated and cured with an antibiotic) they are now ruling all costs associated with Asthma as a Pre-existing condition.
THEY SUCK!!!!

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Petplan USA
Posted: 04/03/2008
By:
Dennis

I can't say enough about my experience with Pet Plan and the advisors with whom I have had contact. The information in the policy was informative but did not capture the personable treatment I received throughout my dog's 4 month ordeal from injury to...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Petplan USA
Posted: 04/03/2008
By:
Debbie

I have had PetPlan US insurance for two years now and I recommend them to other pet owners all the time. They have insured us for a TPLO surgery, and for removal of a TPLO plate. Both claims were costly, but PetPlan reimbursed us in a timely manner for...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Insurer: Petplan USA
Posted: 03/10/2008
By:
Jeff Scott

I see others have not been so happy with their experience with Petplan. I have had Petplan on my Terrier/Shepherd crossbreed for 3 years. I had to claim last fall for the first time when my dog caught an infection called "blasto" at the cottage. The...

Injury/illness
Claim Amount
Breed
Age of Pet
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.