Petplan Pet Insurance Reviews
Updated 3/1/17 by Dr. Pippa Elliot
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 company we reviewed. Why? Because they don’t ever terminate coverage due to old age, illness or injuries.
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 lets pet parents choose their deductible by offering either an annual deductible or a per condition annual deductible. These start as low as $100 and go up to $2,500.
Reimbursements are excellent with Petplan. You can choose to be reimbursed 70%, 80%, or 90% reimbursement of your total vet bill.
Petplan has custom annual limits, from $2,500 to unlimited. This really makes Petplan stand out. Most pet insurance companies have annual limits, and some of them are very low.
Truly customizable coverage, low monthly payments on base plans, vet-recommended service, and a stellar 9.2/10 customer satisfaction reputation earn Petplan a B by the Pet Insurance U independent review team.
Petplan Customer Reviews
Average customer review: 4/5
“Petplan is a life saver”
Petplan 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
“Petplan paid $6,800 of a $7,000 bill”
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
- 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.
Questions About Petplan Pet Insurance?
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.
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.