Beware of how the deductible and reimbursement rate are used!

Out of 10

Beware of how Petplan used deductibles.
In the description on this web site for Petplan it says: "You have a co-pay of 10%, 20% or 30% after your deductible."
That is NOT how they do it.
You would assume that this means taking the total bill for covered services, subtracting the deductible, then reimbursing you at your chosen reimbursement level (like 80%).
Example: Bill is $600. Deductible is %500. Reimbursement rate is 80%. $600 - $500 = $100. You are reimbursed .8 x 100 = $80

This is not what happens. They take the total bill for covered services, apply the reimbursement percentage, then the deductible.
Example: Bill is $600. Reimbursement rate is 80%. $600 x .8 = $480. $480 is less than your deductible of $500, so NO reimbursement.

I just experienced this. I have never seen a deductible used in this way. It clearly comes out in their favor.

Petplan used to be GREAT. But since they lost their original underwriter, the quality has declined dramatically.

Did you find this review helpful?


Claim Amount
$500 - $1000

Mixed Breed

Age of Pet
Over 8 years

Leave a comment

Enter the characters shown in the image.
Posted: 02/27/2019
By: socialmedia@go…

Hi Christine,

On our website we provide a claims calculator to help policyholders assess the amount of reimbursement they can expect for a given claim. As you may know, once you meet your annual deductible you do not have to calculate that into what your reimbursement would be from Petplan. Please email us at if you would like us to review the claims and reimbursement process with you.

Posted: 02/27/2019
By: jimmymichael02…

you serious? Learn to read a plan. Mine is 200 deductible. SOOO whatever happens per illness I will pay 200. THEN we start the 90% of their pay out. Yesterday, my dog got a biopsy done, and teeth cleaned at 340 bucks. The final bill was 950. So I pay 200 down to 750. The teeth cleaning IS PREVENTIVE/MAINTENANCE.. that is all me. so now, 550. that leaves 400 and they paid 360. I'm noticing most of these complaints here, are people like you and con artists trying to scan an insurance company. You thought every time something happens they will pay 80%??? THERE is nothing in there that says this. Everyone would be with them, and your monthly payments would be 150 plus.. Learn to read.

Posted: 03/19/2019

I'm just in the process of making a choice. Thank you for this very helpful info!