We had PetPlan insurance for about a year for our rescue pooch. We purchased the insurance about four months after adoption, and after she had to go to the vet for pyoderma (a bacterial infection of the skin, usually treatable with antibiotics). A few months after we purchased the insurance the poor pooch had another episode of pyoderma. Our claim was rejected because somewhere buried in the policy we never received -- and more importantly cannot be found on their website -- there is a 24 month exclusion for pyoderma. Thus, because she had been diagnosed with the condition less than 24 months before, the claim was rejected.
Flash forward to Christmas Day. While visiting relatives we saw blood in the pup's urine. We took her to an emergency hospital that diagnosed her with a very treatable urinary tract infection. The claim was rejected because it did not meet our $200 per condition deductible. The followup visits were also rejected because they were in a different policy period.
Bee sting -- rejected because of $200 per condition deductible, after rejecting the DVM's entry of "routine examination". In other words, we brought the pup in because of a bee sting, and the doc charged for a routine exam and benadryl and the like. PetPlan first rejected the "routine exam" charge, and then determined that the remaining charge was less than $200.
Hip lesion -- same.
Rejections come without explanation; you have to contact PetPlan to try to have any idea of the rationale for the rejection.
While PetPlan is friendly enough, and most likely would work well in case of a major emergency, the idea of paying thousands of dollars in premiums over the life of the pup on the off chance she has a major illness seemed silly. So, while PetPlan may be perfectly within their contractual rights to reject claims, caveat emptor certainly applies. Ask to read the policy before buying.