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Petplan Pet 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

pet plan insurance review

How PetPlan Pet Insurance Works

Petplan offers very well-rounded coverage and is known as one of the top pet insurance providers.

Petplan covers illness, accidents, hospital visits and even diagnostic testing and alternative therapy treatments.

Veterinary fees (that are not routine) are also included which is unusual among pet insurance plans.

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

PetPlan Coverage

Petplan covers periodontal disease as well as dental disease in any of the policies that you choose.

Petplan has no exclusions for genetic or hereditary conditions and no age limits for those who want to enroll older pets.

Hip dysplasia is also covered in all of their plans which really makes Petplan stand out.

After a year, Petplan will cover conditions that are pre-existing if they are curable as well as bi-lateral conditions when one of the sides of the pup or kitty already has the condition.

PetPlan’s 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
  • Hospital & Emergency Care Visits
  • All Medications
  • 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 company that will cover alternative therapies in all their plans without an extra charge.

Alternative treatments include:

  • Acupuncture
  • Chiropractoic care
  • Physical therapy
  • Hydrotherapy

PetPlan Pet Insurance 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 include the following:  $2,500 all the way up to unlimited.

There are no limits, per condition or lifetime, which means that your dog or cat will have continual coverage for the duration of all injuries and illnesses even those conditions that are chronic such as cancer or diabetes.

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.

PetPlan Reimbursement Method

Reimbursements are excellent with Petplan.

You can choose to be reimbursed 70%, 80%, or even 90% reimbursement of your 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 medical bill and not what some providers call “usual and customary’ costs.

PetPlan Deductible Types

Pet plan sets itself apart in the way they offer their deductibles. Pet owners can choose between a per incident deductible or the prefered annual deductible.

On top of that, you can choose the amount of your deductible. The deductibles start at $100 and and you can pick up to $2,500 and can be increased on $50 increments. This gives you the most control over the plan in helping it meet your financial needs.

If you decide to choose the per-condition plan, this means that if your pet has two veterinary visits for the same injury or illness 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 also offers annual deductible which means you just pay the deductible one time each year and it doesn’t matter if it is an illness or an accident.

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 has pricing that is similar to other pet insurance companies with comparable plans. Petplan also offers discounts if you register online, service pets and members of the military.

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

The average starting monthly rate is $29 for dog insurance and $18 for cat insurance.

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

How To File A Claim with PetPlan

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 that you can do easily form your phone.

Just log in and hit the new file claim button and send all the appropriate information and it’s completed!

Or just print it right out and mail, fax or email in your form within 90 days!

Petplan also has what they call there Telehealth Help which offers advice by telephone for basic care or even after-hour emergencies.

Enrollment and Waiting Period from PetPlan

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

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

Accident coverage begins 5 days after enrollment and illnesses are covered after 15 days, which is a pretty standard waiting period for pet insurance.

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 all new members, 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 dog or cat that passes away, Petplan will make a $15 donation to Morris Animal Foundation in their honor.

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!

Look for some other reviews and opinions, like those offered by Consumers Advocate.

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 for two months prior to signing up with Petplan, you are then required to take your pet to the vet within the first month of signing up.

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”

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.



  1. http://www.yelp.com/biz/petplan-pet-insurance-north-america-newtown-square
  2. https://www.gopetplan.com/petplan-reviews
  3. https://en.wikipedia.org/wiki/Petplan
  4. https://www.youtube.com/user/gopetplan
  5. http://www.forbes.com/companies/petplan/
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
  1. Reply
    Scott 11/30/2015 at 8:29 am

    That’s awesome that the reimbursements can get up to 100%. Honestly, if I got another dachshund, I would do this (still thinking about getting another one). We had to put ours down in 2012 because of spine problems, and the bill would have been $4800 if I had chosen to get the surgery, which may not have even fixed it.

    • Reply
      Truthseeker 09/15/2017 at 4:05 pm

      Your dog needs a b12 shot and Cal carb drops – spine problems gone

    • Reply
      Fran 04/03/2016 at 3:58 pm

      Hi Scott, sorry for your loss. Yes I think that it is important to remember that just because we can, doesn’t mean we should – insurance doesn’t mean go ahead and try and fix problems when the dog’s ‘time has come’.

    • Reply
      Pet Insurance U 01/21/2016 at 7:49 am

      Hi Scott, and sorry to hear about spine probs for your dachshund. We had nerve/spinal issues with one of our big dogs and were faced with a similar dilemma – tests alone were upwards of $5,000 and vets weren’t sure if ANYTHING would have helped or not. Blech. You’re def. right on procedures being costly, even before it gets to the point of surgery. And we also agree that the 100% reimbursement option is absolutely fabulous. Good luck with new dachshund decisions (and yes, we got another big dog…)!

    • Reply
      Charisse Cappello 12/30/2015 at 7:12 am

      It’s tough, Scott. So sorry you had to let him go, but at least he didn’t suffer for years with that pain. You made a tough decision to make sure he didn’t have to suffer long.

      • Reply
        Pet Insurance U 01/21/2016 at 7:51 am

        Good input, Charisse.

    • Reply
      Michelle 12/13/2015 at 12:17 am

      Hey Scott,

      Isn’t that the worst? When you’re not sure if surgery will result in a fix and it’s so much money? Ugh. I understand your pain. I hope you do get another companion!

      • Reply
        Pet Insurance U 01/21/2016 at 7:50 am

        Us, too!

  2. Reply
    Michelle 12/13/2015 at 12:15 am

    I wish I would have known about this a few years ago. Sadly, we watched our rescue dog, Katie, succumb to her wounds from pellets being shot into her from her previous owner. She was such a good dog and did not deserve the pain she was in. There was a surgery available to help her, but it wasn’t guaranteed, it was over $10,000 and the drive to the hospital to perform it was 5 hours away. The vet told us she didn’t have long before one of the pellets reached her heart so we made her as comfortable as possible until her time with us was over.

    If we would have had coverage like this at that time, I am sure she would have lived quite a few more years more! After reviewing the information, we likely would have gone with the silver or gold package for her. Thank goodness my other pets will be covered!

    • Reply
      Fran 04/03/2016 at 3:56 pm

      That is a heartbreaking story! I taken in rescue dogs and know how you feel. These packages look really good for peace of mind.

    • Reply
      Pet Insurance U 01/21/2016 at 7:54 am

      Hi Michelle and so sad to hear about Katie’s plight. Some decisions are just so difficult and heartbreaking, but it sounds like you made the most compassionate and loving choice faced with your dilemma. And those dilemmas are tough, as we know firsthand, when vets aren’t even sure if surgery or any other procedure will help the issue at hand. Thanks for sharing and it sounds like Katie had a great home – as will any other pets you bring into it!

    • Reply
      Charisse Cappello 12/30/2015 at 7:06 am

      OH, MY GOD, Michelle, I am so sorry for you and your family. That’s just awful. No animal deserves to be treated that way. I am so sorry your family had to go through that, and I thank God for angels like you who help the furbabies make their transition out of this planet and back to the Rainbow Bridge. Bless you and your family.

      • Reply
        Pet Insurance U 01/21/2016 at 8:05 am

        We def. feel the same way!
        One of our current rescue pups had deep gash scars on his sides and a mangled foot. We’re always so pained when we see what some people can do to animals – when all the pets want to do is love us.

    • Reply
      Karma 12/13/2015 at 2:04 am

      I am so sorry to hear about that Michelle, that story sounds awful. Dogs don’t deserve so much of what people do to them and it’s heartbreaking every time I hear about an animal suffering like yours. Sadly, this year I lost one of my dogs too. They were talking about doing surgery but it would have been very expensive and he was a little older and had existing respiratory problems so we could have lost him on the table. If/when I get another dog, I’m definitely going to look at PetPlan but I’m not 100% sold on it. The prices are pretty reasonable and I did read a couple complaints about slow claims checks or excluding conditions that they said they would cover.

      • Reply
        Pet Insurance U 01/21/2016 at 8:03 am

        Hi Karma, Sorry to hear about your loss – and the tough decision you had to make. Sigh. Sounds to us like you made a wise one, with careful consideration of all the factors. Also glad to hear you’d consider pet insurance going forward, and that you’re diligently doing your research! Thanks for input.

      • Reply
        Charisse Cappello 12/30/2015 at 7:10 am

        Sorry for your loss, Karma. It’s always tough when you lose one.

  3. Reply
    Gregory 12/13/2015 at 6:46 am

    My golden retriever is getting up there in the senior dog category now and approaching ten-years-old. Things are starting to fall apart here and there. His hearing is getting a lot worse, he used to be able to hear me call his name from 10 feet away and now I have to raise my voice even when I’m right next to him. He’s got eyesight trouble, deteriorating muscles, skin issues, it never stops. I don’t know how I could take care of him without pet insurance, I’m just lucky I got it before any major medical issues occurred. Unlike insurance for humans, pet insurance companies can and will deny coverage on the grounds that your pet has had prior medical conditions. PetPlan’s gold plan has been thoroughly worth the investment, the deductible is pretty reasonable and the coverage is 90% with payout limits that are over $20,000 annualy. I’m just jealous that human insurance isn’t as good as dog insurance. Blue Cross is bleeding me dry lol.

    • Reply
      Pet Insurance U 01/21/2016 at 8:10 am

      Thanks for sharing your experience, Gregory. And SO COOL to hear Petplan is consistently coming through for you and your golden retriever. Glad, too, you reinforced importance of getting pet insured BEFORE medical issues set in to ensure they’re covered.
      Your retriever is one lucky dude to have such a great pet parent who is taking such good care of him. Always appreciate real-life input – esp. when it’s such positive stuff!

    • Reply
      Charisse Cappello 12/30/2015 at 7:03 am

      Wow, this is great to know, Gregory. Thank you so much for this info about the gold plan.

  4. Reply
    Jerry Winfield 12/13/2015 at 8:09 pm

    PetPlan’s annual limit of $10,000 and a low deductible is exactly the coverage I’m looking for my older pets. With the cost of pet care increasing, a pet illness or accident can be very expensive. PetPlan’s coverage of hip and CCL surgery techniques could make a big difference when trying to pay for the cost of an unexpected accident. I’ll be contacting them right away.

    • Reply
      Ujjal Karmakar 02/19/2016 at 8:22 pm

      You are right. Now-a-days the cost of pet care is increasing rapidly. So pet illness and accident can be very expensive. For that we should do insurance regarding pet. It can help us to reduce this type of cost. PetPlan is a good insurance policy to apply. It has the lowest premium around 9 bucks.

    • Reply
      Pet Insurance U 01/21/2016 at 8:06 am

      Good to hear, Jerry! Glad to hear you’re finding what you and your pet need!

  5. Reply
    Charisse Cappello 12/30/2015 at 7:02 am

    Wow, this is amazing. Above average claim approval and 97% customer satisfaction rating. This is great. 🙂

    • Reply
      Pet Insurance U 01/21/2016 at 8:05 am

      Awesome stats, for sure!

  6. Reply
    Victoria Nahley 02/15/2016 at 8:56 am

    For a long time I had no idea pet insurance even existed but I’m happy it does. It’s a great peace of mind knowing that my senior Shih Tzu can be taken care and that it won’t break the bank. I just wish people insurance was this affordable.

    I had never heard of PetPlan until now but they sound amazing and the low cost deductibles are very appealing. Thanks for the informational review. Also, I love the charts and appearance of this post. I’m a blogger myself and I’ve got to say, I am put to shame with these ascetics! 😀

  7. Reply
    Victoria Nahley 02/15/2016 at 9:55 am

    For a long time, I had no idea pet insurance even existed but I’m happy it does. It’s a great peace of mind knowing that my senior Shih Tzu can be taken care of and that it won’t break the bank. i just wish people insurance was affordable.

    I had never heard of PetPlan until now but they sound amazing and the low cost deductibles are very appealing. Thanks for the informational review. Also, I love the charts and appearance of this post. I am a blogger myself and I’ve got to say, I am put to shame with these ascetics! 😀

  8. Reply
    Alexa Cress 02/15/2016 at 10:38 am

    What a great plan for older pets! I love that you’ve included the chart of the different levels of care you can choose from! I love that dental care is included in the plan because I find that’s often an issue that I’ve had with my own pets in the past. Once again, I love that you have created a rating system based on customers reviews, and that it’s not an unbelievable 10/10. It’s a very trust worthy article with real facts and insights that readers are looking for. Also, 35 years in the business is not something every company can say so keep up the great business!

  9. Reply
    Anastacia 02/15/2016 at 7:09 pm

    “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.” This is wonderful! My grandmother’s dog unfortunately passed due to a hereditary illness. Medical costs mounted year by year, and it was hard to find an insurance policy that covered any sort of hereditary conditions.

  10. Reply
    Justina Roberts 02/15/2016 at 7:40 pm

    Reading about PetPlan was really informative, I’d probably learn toward the bronze coverage because my friend usually watches our pets when we go camping or on vacation so we wouldn’t need kennel coverage. I think one of the other coverage levels would be really good for someone who has to travel for work a lot or doesn’t have family near them to help out. I’m relieved to read that cancer treatment coverage is included at all the levels.

  11. Reply
    Jerome 02/15/2016 at 8:21 pm

    I’m impressed the costumer ratings ,cheap plans and they offer so much , This is perfect!

  12. Reply
    Dana Gore 02/15/2016 at 11:57 pm

    This plan has some interesting features that I have never given any thought to.

    You think about pet insurance and immediately associate it with illness, emergencies and with some companies, preventative care.

    But I’ve never heard of a company that took the loss of a pet, boarding or straying into consideration.

    People adopt pets and don’t always think of these things. It’s an emotional decision – and there can be quite a bit of excitement involved…but
    it’s a HUGE responsibility and anything can happen (regardless of how responsible a pet owner you might be).

    A reliable insurance company is the peace of mind we need if something unexpected happens – and this one has some impressive reviews. It was refreshing to see that one person wasn’t refused even though she had an older cat.

  13. Reply
    Graysse 02/16/2016 at 12:56 am

    Petplan Pet Insurance offers life insurance for $19 per month!!! That’s such a bargain. Every pet owner should care for their pets health and not be drowned in bills to do that. PetPlan is the answer.

  14. Reply
    Jamie 02/16/2016 at 4:59 pm

    I have owned three dogs in my lifetime. They have all passed away due to medical conditions and to my regret none of them had been insured. I have recently purchased a new dog – Katie – and searched the web learning about insurance and where to protect her should anything happen.

    PetPlans’s name has appeared over and over again so I decided to give them a call. The quote was quick, easy and the various options were explained clearly. I always like to see the paperwork before I sign up to anything – especially with insurance – and everything looked to be in order.

    I found this info-graphic very useful as it gives an overview of the plans and what you get for your money.

    I hope I will never have to claim, but feel assured that PetPlan will cover the cost of any medical bills.

  15. Reply
    ronline betit 02/17/2016 at 7:34 pm

    I’m actually looking for a cheap pet insurance with great benefits. Thanks for sharing this review, I now have 3 on my list and soon I will pick the best. Pet Plan seems to be reputable and affordable.

    • Reply
      dot 12/28/2016 at 2:35 am

      not affordable! rates go up a lot every year. mine doubled this year.

  16. Reply
    lovely mcarthur 02/18/2016 at 7:13 am

    Pet Plan has good reviews and it seems that their trust rating is high. The gold package is complete so I hope I can afford the monthly payment.

  17. Reply
    George H. 02/19/2016 at 8:07 am

    Picking a pet insurance plan that has dermatology, laboratory and diagnostic testing, and surgery coverage is important for our family. We’ve had dogs in the past that have developed rashes and cysts, and it was incredibly expensive to do the testing and surgery they required. We even had insurance at the time, but it didn’t cover the diagnostic testing or a good portion of the surgery. PetPlan gets great reviews and they have a lot to offer!

  18. Reply
    Irina S. 02/19/2016 at 8:08 am

    PetPlan is so comprehensive! I appreciate that they list all of the covered treatments with each plan. I have two healthy dogs, but I worry about them as they age. Knowing that I can pick a plan that is right for both of their needs is very important. Laboratory testing, diagnostic testing, and scans can be so expensive; but it is so helpful in preventing further health issues and managing your pet’s current health. I’m glad those are all covered with PetPlan!

  19. Reply
    Dani Jane 02/19/2016 at 8:10 am

    I really appreciate an insurance plan that covers alternative and holistic health treatments. My dog tends to be sensitive to a lot of prescription medications. We also think she might have some food allergies. I want her to feel her best, without having to pay an arm and a leg for natural remedies that will work better for her individual needs.

  20. Reply
    Jackie 02/28/2016 at 9:58 am

    As a former dog owner, I’d recommend using Pet Plan. It was actually recommended by a close friend. Claims was quick and easy. Customer service was friendly and efficient too. I opted for the silver level coverage. No complaints.

  21. Reply
    Lirodin 02/28/2016 at 2:47 pm

    At the beginning I was skeptic but soon after I read all what’s about and all other people’s testimony, I have to admit I got hooked and decided to give it a try. I was impressed by how easy it is to get a quote. It takes less than five minutes. Now I know my Ibuki is covered for the rest of his canine life. He’s already 6 years old
    going into 7 and I would really like to have him a few more years. I can now say I have peace of mind knowing he can receive treatment anytime. I would recommend you to give it a try. It hurts nobody.

  22. Reply
    Kendra Justine 02/29/2016 at 11:25 pm

    You can’t beat this deal. Pet coverage starting at $19.99 per month is great for lifetime coverage! It will really bring me a peace of mind to know that my cat is getting this kind of coverage. The deductibles are very reasonable also. Definitely not a plan to overlook.

  23. Reply
    Momi Nul 03/20/2016 at 1:34 pm

    In the start I was doubter but soon after Someone said all what’s about and all other people’s statement, I have to confess I got connected and made a decision to provide it a try. I was satisfied by how simple it is to get a quotation. It requires less than five moments. Now I know my Ibuki is protected for the remaining of his dog lifestyle. He’s already 6 decades old going into 7 and I would really like to have him a few more decades. I can now say I have satisfaction understanding he will get therapy at any time. I would suggest you to provide it a try. It affects nobody.

  24. Reply
    comment_blog 03/22/2016 at 9:53 pm

    Petplan is awesome, they attend to customer on a go. You can get a vet on a click and your pet issue will be solve in a moment. They are available online to serve you even more better.

  25. Reply
    Theo 03/29/2016 at 12:50 am

    They offer so much! When I was a kid, one of our dogs got hit by a car. Pet insurance wasn’t around or at least our parents didn’t have any, so they put our dog down! I was traumatized. This insurance not only allows root canals and blood tests, they go as far as offering MRI’s and aftercare following illness or injury. I want to make sure my pet gets this kind of coverage so I never have to worry again. I’ll never forget how painful that was.

  26. Reply
    Fran 04/03/2016 at 2:44 pm

    Pet Plan are known to be a little more expensive, but one of the best pet insurers in the business. I always say if you have the money then go with Pet Plan as yes they do cover a lot and have the animal’s best interests at heart. When we got our rescue dog we had Pet Plan, before changing to a cheaper policy.

  27. Reply
    Ian Whitcomb 08/27/2016 at 9:00 pm


    I purchased a Petplan insurance policy in February 2016 at the cost of $86.05 per month. I haven’t needed to use it until August 2016 which means they have already collected $688.40 of my money for a policy that they haven’t paid out a dime on.

    My dog has an unidentified lump on her wrist which was noted by the vet prior to purchasing the Petplan policy. What this means is that the veterinarian noted in the patient log to have existed(one line), but it was never tested on or diagnosed to be a condition. Despite it not having gone undiagnosed Petplan chose to deny a pre-authorization to have the lump tested and removed. The reason for the denial was that it is considered a pre-existing condition simply because she was showing symptoms prior to purchasing the policy.

    I spoke with a representative on the phone who explained a pre-existing condition to be “any condition that exists prior to purchasing the plan EXCEPT conditions in which the breed is genetically prone to getting(hereditary). For example, if a Daschund gets arthritis in its back they will cover the cost of treatment because the breed is prone to back arthritis.” Upon explaining this to me I inquired about whether or not they would cover my English Bulldogs hip dysplasia because, as a breed, they are genetically prone to getting the condition and are known to have the highest rate of hip dysplasia among any breed. She told me that despite it being a hereditary condition, it would not be covered because it is a pre-existing condition.

    In addition to the lump on her wrist I submitted an official claim in the amount of $325(or $800) regarding a condition that my dog was in fact treated for. My Petplan policy comes with a $200 deductible PER CONDITION. Instead of paying the difference($325 – $200 = $125) they separated the claim into 2 different conditions involving allergies thus 2x $200 deductibles, neither of which were met therefor they did not pay a dime. I called them to point out numerous errors that were made across BOTH of the new claims where the amount applied to the deductible was less than it should have been. There was also the issue that without the Banfield wellness plan that I’m paying an additional $40/mo for, the visit would have costed nearly $800. The difference in cost is very clearly stated on the vet invoice that was submitted with the claim. In other words, I’m paying Banfield for a discount that Petplan is knowingly taking advantage of and then taking MORE of my money to do so.

    Upon requesting that they cancel my policy and refund me for the full amount that I have already paid them they refused to do so stating that I had been using their service and that I chose to have the Banfield wellness plan in addition to the Petplan. I’m sorry, but that doesn’t make it ok for them to knowingly take advantage of people. Smoke and mirrors and knowingly stealing from me, extremely unethical.

    • Reply
      Pet Insurance U 09/04/2016 at 4:13 am

      Hi Ian, sorry to hear about your experience with Petplan. Also, thank you for taking the time to share. We’re in the process of contacting Petplan to request a response to your comment. Stay tuned…

  28. Reply
    john 10/28/2016 at 11:37 pm

    If not for Pet Plan and its outstanding coverage, our dog would most likely not be alive today. Our 8 year old Lab mix Monty has recently been diagnosed with Inflammatory Bowel Disease, and we’ve incurred more than $15,000 in expenses,about 80% of which has been reimbursed to us by Pet Plan. They cover his medicine, tests, acupuncture…we could not be more grateful! I always recommend Pet Plan to new pet owners…and have it on our 1 year old terrier mix we adopted in January.

  29. Reply
    Sarah Bott 10/28/2016 at 11:39 pm

    I like to think I do my homework really well, I had a dog and a cat already covered by Petplan and when buying my next puppy I did my homework all over again just to be sure I was still getting the best cover around. I believe I was so insured my puppy as soon as we got him at 8 weeks of age, never expecting to need it but why wouldn’t you cover your pet? At 6 months of age my perfect puppy had clusters of seizures and needed specialist services. Thankfully all bills were covered and all ongoing medication and care is also covered. I am so pleased to say that the whole process was hassle free and payments are made quickly.

  30. Reply
    francis woods 11/14/2016 at 12:52 am

    Petplan is one of the best in the industry! They pay out fast and they are easy to call if we have any questions about our plan. We even got to choose our own deductible and upgrade our plan without waiting. We recommend them to every pet owner we see and our friends who use them love them!

    • Reply
      Pet Insurance U 12/29/2016 at 7:13 pm

      Francis Petplan allows you to tailors your plan to fit your needs and budget as always thanks we appreciate when great people like you offer recommendations. Thanks again!!!

  31. Reply
    nikki 11/14/2016 at 1:16 am

    I just left a comment about another company here on your site asking if they offer cancer treatment coverage and then I found this review! Petplan offers it and they are highly rated? As long as the deductibles are afforable and the rates aren’t bad, I think we will be choosing Petplan. Thank you for the insightful review! 🙂

    • Reply
      Pet Insurance U 12/29/2016 at 7:10 pm

      Petplan is one of the best Nikki we are glad that our reviews have been insightful for you. If there is anything we can help you with further please let us know because we are here to help. 😉

  32. Reply
    dot 12/28/2016 at 2:29 am

    I just received my renewal for my dogs Petplan insurance. I have 2 dogs and both plans have more than doubled! Every year the insurance goes up. It is ridiculous. This year the price went up and the coverage went down. I am so upset with this company!

    • Reply
      Pet Insurance U 12/28/2016 at 3:34 am

      Hi Dot, we’re very sorry to hear about your experience with Petplan insurance. Thanks for letting us know your experience, we’ll factor that into our Petplan review and Petplan customer satisfaction rating. Please take a look at other pet insurances, we’ve received great feedback from Healthy Paws customers. Let us know if we can provide any help!

  33. Reply
    Michael 03/29/2017 at 8:25 am

    This company has gone from one of the best to the worst in one year. They apparently lost their insurance underwriter and the new underwriter appears to deny every single claim. The customer service has gone to hell as well. I’m guessing the new underwriter has laid off a lot of the employees. BEWARE! This insurance company no longer pays out on claims! They are a “no” and “deny” insurance company. They will make you fight them for every single claim!

    • Reply
      Pet Insurance U 03/31/2017 at 5:01 am

      Michael, thank you very much for your comment and Petplan insurance review. This information is helpful for our ratings system and for other pet parents like yourself who want the best pet health insurance for their dogs and cats. We’re very sorry to hear that you’ve experienced difficulties with Petplan. If you’re looking to switch plans, please feel free to ask any questions about other pet insurance companies! We’d love to help any way we can. Thanks again.

  34. Reply
    DIANN MCBEE 05/17/2017 at 1:18 am

    I was a satisfied customer until this contract renewal in 2017. Company changed underwriters and premiums/deductibles went way up. I have older pets with pre-existing conditions so change may not be an option, but I would if I could.

    • Reply
      Pet Insurance U 06/14/2017 at 3:45 am

      Diann, thanks for sharing about your policy renewal and we’re very sorry to hear that they’ve increased your costs. It’s particularly disheartening since your pets are older and need good coverage now more than ever. We’ll factor your experience into our Petplan pet insurance reviews.

      Again, we’re sorry this happened and we appreciate that your experience will help other pet parents who are considering Petplan for their dog or cat. Unfortunately, like you said, pre-existing conditions prevent you from changing to another plan, so we hope that at least Petplan honors claims and reimburses you for veterinary costs.

      Wishing good health to your pets!

  35. Reply
    Dave 05/17/2017 at 4:47 pm

    All of the reviews are coming prior to the massive increase by Petplan. As with other long term policy holders, my premiums will increase and for me it will be by 40%. That’s not acceptable but I’m held captive because my little boy has a condition that requires meds and monitoring so I can’t go elsewhere.
    I have praised Petplan to everyone I came across for the 8 years that I’ve had it. Now I will tell people not to go with them because you can’t trust what they will do. And to me, trust is everything. I had heard they were going to increase premium about 6 months ago so I called and was assured that would not be the case. Let’s see if I will get a “private message” as other’s have from Petplan.

  36. Reply
    Don DeLany 05/23/2017 at 12:49 am

    Petplan Pet Insurance will gladly take your money, but if you have a claim it is highly unlikely to pay, claiming it is a pre-existing condition. Had an insignificant mole on my dog 5 years ago. Decided to have a needle biopsy on it due to changes in the size of the mole, then Vet said we should remove it since it had some spindle cells show up in the biopsy. Thankfully it was benign. But Petplan did not allow the claim saying it was a pre-existing condition, even though the Vet sent a letter letting them know that when it was examined 5 years ago there was no reason to believe it was a problem and there were no issues. Do not buy their insurance, you are better paying it out of packet then the $1300+ per year I paid for 3 years.

  37. Reply
    Kyle 05/26/2017 at 5:06 am

    Having go through this process and having the policy for 2 years to find out they will not cover almost anything was not my idea of fun. I now have no faith in the process just like most of us with personal insurance. If I were you I would recommend putting a monthly amount in saving that you would have paid them as a contingency fund. I was paying around $60 a month X 2 years which is around $1,500. This doesn’t include the visit fees and out of pocket until the deductible was met ($200). If you live close to Mexico I would encourage you to go there for any surgical procedures if you can. Far cheaper and less of this BS. Most of the vets are trained in the US and have clinics on both sides of the boarder. Less litigation down there which in turn gives you cheaper prices. Good luck out there.

  38. Reply
    Tony Annello 09/02/2017 at 3:33 am

    Pet Plan has been an absolute nightmare to deal with. I filed a valid, legitimate claim for emergency room treatment of my 13 week old puppy. As requested, I sent them all documentation and even held a conference call with my vet. It was apparent that Pet Plan did not adequately research or understand the details of the emergency treatment. My vet confirmed that her illness was not due to a prexisting condition. It is clear that Pet Plan disregards both the patient and owner and strives NOT to pay claims. Pet Plan made no attempt to follow through with my many phone calls. My interactions with Pet Plan was horrible and I would never recommend them. This is based on my experience.

  39. Reply
    LK 09/05/2017 at 8:01 am

    A stray dog came to our house today and I have decided to keep her. what type of plan would be best for her. I have no idea what pre-existing conditions she may have.

    • Reply
      Anonymous 01/28/2018 at 8:59 am

      Do not use Petplan!

  40. Reply
    Anonymous 01/06/2018 at 10:50 am

    I have paid premium insurance with this company for my dog since I got him. I recently had my dog diagnosed with separation anxiety. I have taken all the necessary steps with them to make sure everything is running smooth so he can get the help he needs, or so I thought.

    I have been passed on from one customer service agent to the next, with no advocate for my dog, I realize this company does not stand by its integrity and values promoted. I called the company the day the first claim was put through, I was reassured that my dog Sami would get the help he needs. I asked the agent to put a request for his medical history to expedite the process for his medical coverage. The next day I called and AGAIN reassured that he will be taken care of. The following day I take my dog to the vet, having them to process all the necessary paperwork for Sami is coverage. I called Pet plan again to not only have them once more reassure me that everything was going smooth but to also inform me that I should know if he is covered by a certain day. The following day I called, I was told by an agent who insinuated that he is an RCMP officer who mentioned it in a form of intimidation that his premium went up when I changed his bread, which I didn’t, he informed me that his colleague was told that he is a pure breed when he is a mixed breed and that is why my premium went up. That being said, he apologises for the miscommunication and told me once more not to worry, that he will take care of it. Today I call after receiving an email saying that additional records are required to assist my dog who is still suffering from anxiety. I had asked all the agents I spoke to, to assist my dog in getting the help he needs, that all that was necessary for them to do is simply request his records and they failed to do so. I pay my fee on time each month and never did my dog go to the vet since we had this insurance made and now that he needs the help, they are being inconsistent and not advocating for this poor, helpless animal. Everything is being miscommunicated and it seems like they don’t have a strong team as they are constantly apologising for their mistakes. Here I am cornered as I can not afford to leave my pet at all and having to pay tons of money that I thought I was covered for. When I spoke to the agent today I was told that not only did the records get requested today, which is a week later. but also still they have to wait for the office to respond to their request instead of following up and not sure how they will process the request I quote, ” I don’t know how they will process it, a form of mail, fax, how many pages” basically his telling me that my dog might get covered next year because of their inconsistency, laid-back service and lack of organized professionalism. I am looking at others reviews and I see I am not the only one facing these awful circumstances, in the end, my dog still needs help and in the end, I am paying tons of money that is not going towards his medical needs. THIS IS AN AWFUL COMPANY!!! I AM GETTING A LAWYER!!

  41. Reply
    Anonymius 01/28/2018 at 8:59 am

    It is an awful company indeed! They refuse to even add deductibles for my dog’s giardia treatment which they are now claiming it was presxistant while it is not. It is a scam! Do not sign up with them. There are other much reliable pet insurance companies out there!

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