Great service but my rate spiked, beware!

Out of 10

I don't have any complaints with Pet Plan USA's service. However I am very disappointed in how much my annual rate increased this past year. I have a German Shepherd which like many pure breed dogs are prone to hereditary issues down the road. Pet insurance was one of the first things I signed up for when I got my dog, because of this. My dog just made 2 years this past January and although I know that Pet Plan's rates increase based on the age of the animal, my most recent increase I feel is unacceptable. My annual rate increased a total of $165! I called to question the reason for this high increase and was told that they recently switched to a different insurance underwriting who determine d that they were undercharging. I can understand that rates will increase, but such a sharp increase over the course of 1 year is unfair! If you own a pure breed dog beware!

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Claim Amount
$100 - $500

German Shepherd

Age of Pet
Under a year

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Posted: 05/13/2012

I had the same experience. I've had my policy for several years on my Portuguese Water Dog. My premium went up about $125. As this company matures I have seen slower service and possibly lower reimbursement rates.

Posted: 05/18/2012

Consider yourself lucky. I have Pets Best for my 3 dogs and they switched to a different insurer and my 14 year old dog's premium went from $392 a year to $1060. I had to cancel her from the policy.

Posted: 05/21/2012

I had the same experience. My premium for my purebred dog went up over $100 annually. Totally unacceptable!

Posted: 05/29/2012

I agree. I have two dogs insured with Petplan and the rates have increased twice in 3 yrs. for $168/yr for each dog. That's $336/year for the both! I do like Petplan, but a 35% increase in three years (28% this year) is a bit extreme.

Posted: 12/07/2012

If it makes you feel better before you complain about the cost, go online and check out other comparable insurance offerings. I was a bit dismayed about the increase in my dogs premiums but when I looked to see if I could find a cheaper rate, and comparable policy I found that other similar policies were about the same rate.