Petplan USA offers great coverage. There are a few very important factors that helped me decide on this plan over many others. They do not have a per incident max and the yearly max is $20,000, both of which are better than found in most other plans. They also cover hereditary, congenital and chronic conditions which most plans don't. I know from experience that those are the kinds of conditions that will cost you a lot of money over time. It also covers some alternative therapies which many people choose to use as a complement to traditional veterinary medicine. Now for my complaints about the plan. The one thing I didn't realize when I bought the plan was that the deductible was per incident. However, after much research I found that many plans are like that and you can't have everything in any insurance plan, you have to give and take. There are deductible and coinsurance choices, I have the $200 deductible with 0% coinsurance. Had I known the deductible was per incident I would have gone with a lower one. The biggest problem I have with the plan is something that you could only find on their website by clicking on the word coinsurance to look at it's definition, something I never did because I know what coinsurance is. If you take your pet to a specialist, emergency care, after hours veterinary facility or accredited school/college of veterinary medicine, you will pay 30% coinsurance no matter which coinsurance you have chosen. This is a big problem for me because I know that where you really spend your money is when you seek emergency or specialized treatment. When I read this in the policy I was very upset and contacted them because I never saw this on their website, since it was hidden under the definition of coinsurance. I was told that as long as I went to a specialist on my own, not with a referral by my veterinarian, it would be covered with my standard deductible and coinsurance. The person I spoke with also told me that they were removing that provision and all policyholders would be notified when that happens, something I haven't seen yet in the 11 months I've had the policy. This would have been a reason for me not to purchase the policy. I was looking for coverage for the major and chronic conditions and would never select a plan where I had to pay 30% coinsurance for that care. As a matter of fact, I had a claim where my dog went to a specialist and they denied to cover it. When I contacted them and explained what I had been told by one of their staff and that it was not on a referral basis, they paid the claim. Just like with any insurance company, you really do have to question them if a claim has not been paid when you think it should have been.
Age of Pet