Petplan Pet Health Insurance Review

Petplan is consistently recognized as a top-rated pet insurance company among vets, respected breeders, and customers.

Petplan ranked among the best for customer service, with a 97% customer satisfaction rate and one of the highest overall ratings for a company we reviewed.


Because they don’t ever terminate coverage due to old age, illness or injuries.

Our Final Grade


How PetPlan Pet Insurance Works

Petplan offers extremely comprehensive coverage and is truly among the top in the industry.

They handle all accidents and new illnesses as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies.

Also, all non-routine veterinary exam fees are covered in all plans, including emergency hospitals and specialists making it unique compared to other providers.

Petplan also includes free congenital, hereditary, and genetic coverage with every plan.

Most pet insurance plans require extra add-ons to cover these common and expensive conditions or they provide low-limit coverage with annual restrictions.

Those limitations make the reimbursements to customer inadequate for most pet health conditions.

In addition to going above and beyond the status quo in their standards plan, Petplan also covers expensive specialized treatments like specialist referrals and these include heart socialists and oncologists for cancer treatments.


Petplan has the most comprehensive coverage of dental injury and treatment of periodontal disease.

There is full coverage for dental diseases and injuries which are included as standard in the policy you choose.

Petplan is great for older pets as they insure pets of any age, with no policy exclusions for hereditary and chronic conditions.

They are one of the few providers that will cover hip dysplasia in all of their policies which sets Petplan apart from the others.

Petplan also covers curable pre-existing conditions after the 365-day exclusionary period following the beginning of the policy.

The company also covers most bilateral conditions when one side is considered to be pre-existing, which is something many other providers don’t offer.

Other Conditions & Treatments

Petplan like the other top pet insurance companies offers treatment for chronic conditions like allergies and atopy, cancer and diabetes.

They also include coverage for the following:

  • Diagnostic Testing
  • Hospitalization
  • Prescription Medications
  • Emergency Care

vet examining cat and dog with Petplan pet insuranceSpecialty Care Including:

  • Surgery
  • Oncology
  • Cardiology
  • Ophthalmology
  • Dermatology
  • Dentistry
  • Neurology

Any Imaging Including:

  • MRI
  • CAT Scan
  • Ultrasound

These things are ALL covered!

Alternative Care

Alternative care is becoming increasingly popular, particularly in senior pets and Petplan is one of the few providers to cover treatments at no additional charge.

Alternative treatments include acupuncture, chiropractor, physical therapy, and hydrotherapy.

Other pet insurances charge extra for this type of coverage.

Benefit Limits

Petplan doesn’t offer across the board unlimited coverage, but it does offer the flexibility in allowing you to choose your annual benefit limit which helps lower the costs.

Petplan’s annual limits can be set at $2,500, $5,000, $10,000, $15,000, $20,000, and $25,000 or unlimited.

There are no per condition limits or lifetime caps, which guarantees your furry friend’s care will be covered for the duration of an illness or injury, including chronic conditions like diabetes, allergies, cancer or dry eyes.

This really makes Petplan stand out. Most pet insurance companies have annual limits, and some of them are very low.

The higher benefit levels come with a higher premium rate.

Reimbursement Method

Reimbursements are excellent with Petplan.

You can choose to be reimbursed 70%, 80%, or 90% reimbursement of your total vet bill.

The higher the reimbursement level, the higher the premium. The only provider that we reviewed that offers a 100% reimbursement is Figo.

For example, if you choose the 80% reimbursement model, you will pay 20% of your total bill after your deductible is reached.

And, like all the other top pet insurance providers, Petplan pays you back on the actual veterinary bill and not what some providers call “usual and customary’ costs.

Deductible Types

Petplan is unique in that it lets pet parents choose their deductible by offering either an annual deductible or a per condition annual deductible.

Petplan is unique in that it offers one of the most customizable deductible policy options in the market.

It lets you choose whether to apply the deductible annually or per condition. You can also choose your deductible, starting from as low as $100 up to $2,500.

The deductible can be increased in $50 increments.

If you decide to choose the per-condition plan, this means that if your pet has two veterinary visits for the same condition within the policy year, you will pay the deductible for your policy only once for this condition even if you file three claims for the same condition.

This can be helpful for a dog or cat that has cancer or a serious injury or illness.

Petplan operates on an annual deductible, which is ideal as you will only have to meet the one deductible regardless of accidents or illness.

Other top providers like Embrace operate on an annual deductible. If you choose the higher deductible, you will have a lower monthly premium.

How Much Does PetPlan Pet Insurance Cost?

Petplan offers competitive pricing that is in line with comparable plans. Petplan also offers discounts if you register online, as well military personnel or medical service pets.

You can also get a 5% discount just for enrolling online.

The average starting monthly premium for dogs is $29 and for cats is $18.

Further discounts are available through Wag-worthy, veterinary professionals get a 10% professional discount when enrolling online (5% veterinary professional discount + 5% online discount).

How To File A Claim

Petplan actually states that claims payout is usually within a timeframe of 30 days.

It can be faster, from 5 to 14 days, if your claim is accepted right away, but 30 days is the longest it would take.

Claims are filed easily and quickly either online or from the Petplan Claims App which is a fast, easy way to send claims right from your smartphone.

All you have to do is log in, click “File a New Claim” and complete the required information. Once you upload photos of your invoice and medical records, you’re done!

You can also just print out and sign the personalized claim form, and either fax, email, or mail it with the receipts and invoices within 90 days of treatment.

Petplan also features the “Telehealth” service.

This facility provides coverage for telephone consultations for an immediate lifesaving emergency.

Enrollment and Waiting Period

Petplan allows enrollment for dogs and cats as young as six weeks old.

What distinguishes Petplan is that it doesn’t have an upper age limit so older dogs and cats get covered as well.

Accident coverage begins 5 days after enrollment, but there is a 15 day waiting period for illnesses.

Medical records are not required for enrollment. Based on your pet’s medical history, records may be requested if your pet is taking medication, recently injured or you are re-enrolling your pet with Petplan policy after there has been a break in coverage.

There is a (6) month exclusion on cruciate ligaments and patella conditions and typical of most plans.


Petplan’s philanthropic foundation that gives back!

Petplanthopy, their corporate philanthropy, makes quarterly financial contributions to their partner shelters, rescues and humane societies across the country which is always a nice perk when purchasing a policy.

For every policy sold, Petplan makes a generous donation to the Best Friends Animal Society® Save Them All® campaign to help adoptable pets find their forever homes.

And for every Petplan-protected furry member that crosses the Rainbow Bridge, Petplan donates $15 to Morris Animal Foundation in their memory.

Frequently Asked Questions and Answers

Why should I choose Petplan?

Recommendations do matter – and Petplan is highly recommended by veterinarians, fellow pet owners, and breeders of pedigreed pets based on the quality of care that is offered to the pets under their care.

How reliable is Petplan?

Petplan has 40 years of experience behind its name and reputation. It is also backed by one of the global leaders in insurance –- Allianz, the world’s largest property and casualty insurer.

What does Petplan cover?

Truly comprehensive coverage for your pet is one of the most important features of the Petplan policies.

This policy reimburses your expenses for illness or injury and also provides complete coverage for congenital or hereditary diseases in your pet with no exclusions or hidden limits.

What other specific items are covered with Petplan?

Laboratory and diagnostic testing, dental care and root canal therapy, high-value specialty treatments such as surgery, cancer treatment, cardiology, ophthalmology, dermatology, neurology, a full range of scans including MRI and CAT scans, and aftercare in the form of rehabilitation are all offered with Petplan.

How is Petplan any different from the other pet insurance companies?

There are no additional surcharges for the coverage of non-routine veterinary exam fees (including ER visits and Veterinary Specialists), congenital or hereditary diseases, comprehensive dental coverage-including periodontal disease or alternative therapies.

Once your policy is in force, chronic conditions are also covered for the life of your pet as long as the policy is kept current. Petplan also offers support 24/7 through their call center as well as online chat, and they have fast and paperless claims process with a free app for iOS and Android users (just take a picture of your invoice and you’ve submitted a claim!).

They also have an A+BBB rating and rated over 9 out of 10 since 2008 on an independent review site.

What else does Petplan cover that other companies do not?

Non-routine exam fees are covered as standard with Petplan.

This could be like a separate deductible each time you visit the vet (including the ER or a veterinary specialist!).

Alternative, rehabilitation and holistic health treatments are considered to be standard items as well. Prescription medications, even nutraceuticals and herbal supplements are covered.

In addition, the dental coverage, including periodontal disease, is covered as standard. According to the American Veterinary Dental College, most drugs and cats over the age of 3 have clinical evidence of periodontal disease.

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

How does Petplan handle deductibles and co-payments?

The pet owner has a range deductibles and co-payment options to choose from when they purchase a Petplan policy.

You can choose to be reimbursed up to 70, 80, or 90% depending on your pet’s needs and your personal circumstances. A deductible starting at just $100 and up to $2500 may be chosen and you can decide if you want an annual deductible or a per-condition/per year deductible.

These options allow you to customize your policy to fit your budget.

How does Petplan deal with pre-existing conditions in my pet?

If your pet already has an illness or condition or is showing clear symptoms of developing an illness or condition, then may be precluded from purchasing Petplan.

However, if the condition is treatable and curable, the pet may be insured at a later date following a specified waiting period.

What do other review focused companies say?

Looking for even more perspectives? Smart move!

Don’t just take our word for it, check out the well-regarded company, Consumers Advocate, for an alternative review of Petplan pet insurance.

How does Petplan deal with pre-existing conditions in my pet?

If your pet already has an illness or condition or is showing clear symptoms of developing an illness or condition, then maybe precluded from purchasing Petplan.

However, if the condition is treatable and curable, the pet may be insured at a later date following a specified waiting period.

How can you get in touch with Petplan?

Their customer service representatives are available to help you and answer all your questions at 1-800-241-8141.

Do you have to have your pet to the vet before signing up with Petplan?

If you haven’t take your pet for an annual vet visit 60 days prior to signing up with Petplan, you are then required to have your pet examined at your own expense within thirty (30) days of the effective date of the policy.

Petplan Customer Reviews

Average customer review: 4/5

“Petplan is a life saver”

petplan customer reviewPetplan was a life saver and paid 90% of my adopted dog Bear’s accident & sickness bills. Thanks Petplan for helping me pay Bear’s bills.

Pet Parent of Bear
Morrisville, PA


“Petplan paid $6,800 of a $7,000 bill”

2016 petplan review Max had his Gallbladder removed and the vet bill was over $7,000. Petplan covered $6,800 of it and we were only out of pocket $200.

Pet Parent of Max
Murrieta, CA

Petplan Highlights
  • American Animal Hospital Association’s Member Values Program Provider
  • Exclusive pet insurance provider for members of AARP
  • Every pet is covered for life. No exceptions.


Make sure to get a quote from Petplan to see if they are the right pet insurance company for you and your pet.





Petplan Pet Insurance
Paws Up
Every pet is covered for life
Paws Down
Annual limits on base plans
$39 per month*
Great hereditary coverage, watch out for exclusions and payout maximums