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Petplan Pet Insurance Review

What’s New In 2021 For Petplan Pet Insurance

Petplan Insurance provides comprehensive health coverage for dogs and cats. Get the latest facts below.

How Has Covid-19 Affected Petplan Pet Insurance

Petplan responded to the COVID-19 pandemic in a few key ways:

  • Petplan announced that its cat and dog policies would include coverage of illness related to viruses, including COVID-19.
  • Petplan provided coverage for virtual visits with veterinarians in the United States and Canada at no extra charge. This included chat, email, phone, text, and video communication.
  • Petplan further reimbursed boarding costs for subscribers diagnosed with a COVID-19 infection if they had to be hospitalized for four-plus days. Petplan covered boarding fees up to $1,000.

New Products Or Changes

The primary changes implemented by Petplan in 2020 related to the company’s COVID-19 response. However, this isn’t the only adaptation Petplan undertook. The pet insurance provider also updated its digital experience for pet parents.

Petplan Pet Insurance In The News

Petplan made headlines in 2020. The pet insurance company was acquired by The Dodo, an animal-centered new site, and is set to be renamed “Fetch by the Dodo.”

The company also made headlines for its COVID-related actions, like offering free virtual dog training and establishing a comprehensive coronavirus response plan.

2021 Latest Petplan Pet Insurance Reviews 

Petplan has a profile with the Better Business Bureau® under its parent company, Fetch, Incorporated. Customer reviews average 1.06 out of 5 stars. People complain about the lack of responsive customer service and problems canceling their policies. Petplan also reportedly drags out the claims process, delaying when people get paid.

The reviews for Petplan insurance on Yelp are also not great. Here, the insurer has 2.5 out of 5 stars, based on more than 500 reviews. Customers note having difficulties with the automated claims submission process and faulty IT technical systems. The customer service is also deemed insufficient.

On ConsumerAffairs, Petplan earns an overall satisfaction rating of about 3 out of 5 stars, based on more than 250 ratings submitted in the past year. The platform lists a few pros, including that Petplan covers older pets, covers preexisting conditions that are curable, and doesn’t mandate in-network visits. One drawback is coverage limitations.

On TrustPilot, Petplan earns 2.5 out of 5 stars, which is considered “poor” by Trustpilot standards. The reviews are mixed, with some users lauding the excellent customer service and others panning it as inadequate.

The Bottom Line on Petplan Pet Insurance

Petplan earns points for its quick response to the COVID-19 situation in 2020. That said, the reviews regarding Petplan insurance are mixed, so do your research before investing.

You won’t pay the cheapest premiums with Petplan pet insurance, but you will get one of the most comprehensive pet insurance policies out there, a policy that could save you more money in the long run.

Petplan ranks high among vets, breeders, and pet owners. Pet parents like Petplan because this company doesn’t terminate coverage due to old age, illnesses, or injuries.

We gave Petplan insurance a B, naming it one of the best pet insurance companies. In this Petplan review, we’ll explain why.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

How PetPlan Pet Insurance Works

Pet plan offers well-rounded, comprehensive coverage and has earned a reputation as one of the best pet insurance providers in the United States.

The company’s policies cover illnesses, accidents, hospital visits and even diagnostic tests and alternative therapy treatments.

Veterinary exam fees (which result from illnesses or accidents) are also included which is unusual for pet insurance plans.

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

Pet Plan Coverage

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

The insurer has no exclusions for genetic or hereditary conditions and no age limits if you need to enroll older pets.

Hip dysplasia is also covered in all plans which really makes this pet health insurance unique.

After a year, Petplan will even cover some pre-existing conditions if they are curable. And, Petplan covers bilateral conditions making these policies worth it for pets with chronic conditions.

Fetch a Quote with PetPlan

Pet Plan’s Other Conditions & Treatments

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

They also include coverage for the following:

  • Diagnostic testing
  • Hospital & emergency care visits
  • Hospitalization
  • Prescription medications

Specialty 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.

Petplan is one company that will cover alternative therapies in all their plans without an extra charge.

Alternative treatments include:

  • Acupuncture
  • Chiropractic care
  • Physical therapy
  • Hydrotherapy

PetPlan Pet Insurance Benefit Limits

Petplan lets you choose your annual benefit limits which can help lower monthly premiums.

Pet plan’s annual limits start at $2,500 and climb all the way to unlimited.

With no annual limits, per condition or lifetime, your dog or cat could have continual coverage for the duration of all injuries and illnesses — even chronic conditions such as cancer or diabetes.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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

Of course, these higher benefit levels require higher monthly premiums.

PetPlan Reimbursement Method

In case you didn’t know, pet insurance, in general, does not pay your vet directly.

Instead, you’ll pay the vet and then file a claim so your insurer can reimburse you.

You can choose to be reimbursed 70%, 80%, or even 90% of your vet bill. Most leading pet insurers, including Healthy Paws and Nationwide, offer this same choice.

The only provider that we reviewed that offers a 100% reimbursement is Figo.

The higher the reimbursement level, the higher the monthly premiums.

For example, if you choose the 80% reimbursement model, you will pay 20% of your total bill after your deductible is reached. (In human health insurance terms, your 20% would be called your copay.)

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.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


The playful pup Samson tore his ACL in a lively game of fetch. After surgery and rehabilitation, Samson is back to being active and never turns down a game of fetch!

Pet Plan Deductible Types

Pet plan sets itself apart in the way it offers deductibles.

Pet owners can choose between a per incident deductible or the preferred annual deductible.

On top of that, you can choose the amount of your deductible. The deductibles start at $100 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 choose the per-incident 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.

Pet plan also offers annual deductible which means you just pay the deductible one time each year and it doesn’t matter whether your insurance coverage is reimbursing for 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.

PetPlan vs Healthy Paws Pet Insurance Costs And Other Competitors

PetPlan has some competitive rates for some breeds of dogs and cats. Healthy Paws has the best rates for younger crossbreed and mixed breed pets. 

We have put together multiple articles comparing PetPlan to their competitors:

Pets Best vs Pet Plan Pet Insurance

Petplan vs PetFirst Pet Insurance

Petplan vs Healthy Paws Pet Insurance

Embrace vs Petplan Pet Insurance

How To File A Claim with Pet Plan

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

Payouts can arrive 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 Pet plan 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 the claim form and then mail, fax, or email it in within 90 days of the vet visit.

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

Enrollment and Waiting Period

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

Petplan doesn’t have an upper age limit so older dogs and cats get covered with a new policy 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 waiting period on cruciate ligaments and patella conditions and typical of most plans.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!


Petplanthopy, the insurer’s corporate philanthropy division, makes quarterly financial contributions to partner shelters, rescues and humane societies across North America which is always nice to know when you’re purchasing a policy.

For all new members, Pet plan 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.

PetPlan FAQs

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 Pet plan?

Petplan has 40 years of experience behind its name and reputation. It is also backed by a leading global underwriter, 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 Pet plan 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 Pet plan?

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 have rated over 9 out of 10 since 2008 on an independent review site.

What else does Pet plan 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 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 Pet plan compares to the other pet insurance companies such as Trupanion, Figo, and PetFirst.

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. You could choose a deductible as low as $100 and up to $2,500; you can also choose 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 Petplan reviews and opinions. For example, Consumers Advocate has an alternative review of Petplan pet insurance.

Also, before buying any policy, read the fine print to make sure you understand how the coverage options work. A lot of bad reviews stem from policyholders who didn’t know what to expect from their pet insurance policy.

How can you get in touch with Pet plan?

Their customer service representatives are available to help you and answer all your questions at 1-800-241-8141. You can also find contact forms at gopetplan.com.

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

If you haven’t taken your pet for an annual check-up 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 review

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
Morrisville, PA

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

petplan review

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

Pet Parent of Max
Murrieta, CA[/vc_column_text]

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.

Fetch a Quote with PetPlan


  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/

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ’s, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

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
    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.

  2. 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.

  3. 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!

  4. 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!

  5. 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! 😀

  6. 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! 😀

  7. 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!

  8. 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.

  9. 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.

  10. 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!

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