How Does Esurance Pet Insurance Work?

Esurance is an insurance company that is known for their home, car and even life insurance.

They are owned by Allstate Insurance which is one of the oldest and most solid insurance companies in the United States.

Did you know that Esurance also offers pet insurance?  They do so through their partner, Petplan.


Esurance even has an A+ financial rating

Our grade- B

esurance pet insurance logoHere’s How It Works

Similar to any other pet insurance company, Esurance offers different levels of coverage, reimbursement percentages, and deductible options.

Esurance Pet Insurance Highlights

  • 24/7 customer service
  • Flexible coverage options
  • Easy-to-use mobile app for claims
  • Alternative Therapy Included

Esurance Pet Insurance Coverage

Esurance coverage includes the following:

  • Prescriptions
  • MRI and other imaging
  • Diagnostic testing
  • Surgery and hospital stays
  • Treatment for cancer
  • Hereditary conditions
  • Dental treatment
  • Chronic conditions
  • Alternative treatment therapy

Esurance also covers some other things that aren’t always included in a typical pet insurance plans:

  • Advertising and reward for a missing pet
  • Vacation cancellation coverage if your dog or cat gets sick
  • Kennel and boarding reimbursement up to your limit choice
  • Esurance even offers full coverage of dental illness and periodontal disease treatment.

Other Conditions & Treatments

Esurance also covers specific specialist treatment if your dog or cat needs it including:

  • Oncology
  • Cardiology
  • Ophthalmology
  • Dermatology
  • Dentistry
  • Neurology
  • MRI
  • CAT Scan
  • Ultrasound

Alternative Care

Alternative care is included with Esurance coverage and is a great alternative treatment for non-invasive treatment for older pets or even those pet parents who would prefer to try this type of therapy.

Acupuncture, chiropractor, physical therapy, and hydrotherapy are among the few treatment options.

Benefit Limits

Esurance offers benefit limits ranging anywhere from $2,500 all the way up to $22,000. What does this mean?

Simply choose the benefit limit that you think your cat or dog might need that year.

Some plans, like Healthy Paws, offers unlimited benefit options which are always the best choice to have.

Esurance pet insurance also has no lifetime caps or per condition limits. This can be particularly helpful if your dog or cat has an illness that needs continuous treatment.

If you want your monthly premium to stay on the lower side, choose on the lesser reimbursement levels.

Reimbursement Method

esurance pet insurance through petplanWith Esurance, you have a choice of reimbursement levels ranging from 70% to 90%.

If you want to have a lower monthly premium rate, choose the lower deductible.

Deductible Types

With Esurance plans, you can choose deductible anywhere from $100 to $1,000 dollars.

There are also two kinds of deductibles to choose from:

Annual Deductible

The annual deductible is when you choose the deductible level of your choice and you just need to meet the deductible once each year.

Per-Condition Deductible

The per-condition deducible gives you the choice of paying a deductible once for any illness or condition (that year). This means you can file multiple claims for the same condition each policy year but only pay it once.

An example is if your dog has a condition like diabetes and you need to go the vet a few times to treat your pup. You will only pay the per-condition deductible one that year for all diabetes-related treatment.

But, if your dog has another illness or occurrence, you will have to meet the deductible again for that particular illness.

What Is The Cost Of Esurance Pet Insurance?

Esurance, through Petplan, has competitive pricing and there are discounts available.

Of course, the cost of your pet insurance plan will depend on where you live, the breed of your cat or dog, your pet’s age and the plan you choose.

The average monthly premium for dogs is $30.

The average monthly premium for cats is $19.

Discounts Available

  • Save 5% if you enroll online
  • Enroll more than one dog or cat and you get a 10% discount
  • Veterans and a military discount of 10%
  • Vet students and staff at the vet office can get saving on their policy

Claims Process

To file a claim, you can do with the Petplan Claims App.  It’s super easy and can be done right from your smartphone.

Log in and click on the option to file a new claim, fill in the pertinent information.  Just upload it from there and you’re done.

You can also just print out the claims form on their site and either mail it back, fax or email it.  Just get it done within 90 days!

It takes a week to two weeks to get your claim filed and reimbursed.

Call 1-866-467-3875 to speak with a customer care rep that is available 24/7

Enrollment and Waiting period

Enrollment for your puppies or kittens can start at six weeks.  Esurance does not have an upper age restriction which is always an extra benefit.

Coverage for accidents typically starts 5 days after you enroll your pet.

Illness is covered at 15 days.

There is a six month wait period for any conditions related to cruciate ligaments and patella conditions.

Questions and Answers

Why should you insure your pet with Esurance?

If you are already an Esurance member, it makes it easy to have your automobile, homeowners or other insurance all in one place. However, you are really insuring with Petplan, from the Esurance site.

Are there any age limits when enrolling?

No! Pets of any age can be enrolled through Esurance.

Is there anything that makes enrolling with Esurance via Petplan unique?

Exam fees that are not routine are covered which can really help save you money. Prescription medications, herbal supplements are covered.

Is dental work covered?

Similar to most pet insurance companies, dental work is covered if it is related to an accident or illness.

However, periodontal disease is also covered which is not typical of pet insurance providers.

You can also take a look at our comparison chart to see how Esurance compares to the other pet insurance companies.

What about pre-existing conditions in my pet?

If your pet already has a condition or illness before enrolling, that condition won’t be covered.

But, if the is curable through treatment, your dog or cat can be treated for that condition after a specific waiting period typically a year.

How can you get in touch with a customer service rep?

Their customer service reps are available daily to help you and answer all your questions at 1-800-214-0638.

Do you have to take your pet to the vet before you sign up?

You need to take your pet to the vet 30 days after enrollment only if your pet has not been to the pet in the last 60 days.

It’s always a good idea to do so beforehand so you will know if your dog or cat has any condition or illness that might be considered pre-existing.

Summing It Up

If you are already an Esurance plan member then you could certainly add Petplan’s insurance to your existing policy which is a nice option to have.

Or just go to Petplan directly to see if they are the right insurance provider for our dog or cat.

We will be happy to hear your thoughts

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