PetPlacePetInsurance.com Review

Sarah BadaniBySarah BadaniOct. 07, 2019

In a Nutshell

PetPlacePetInsurance.com provides pet insurance with a heart. Founded by a veterinarian, PetPlace has one goal in mind: offering the best pet health and wellness care for pets. With a fast and easy claims process, direct deposit for reimbursements, and a sterling reputation, PetPlacePetInsurance.com provides easy, quality care for all its customers. Choose your own vet, cover multiple pets, and rely on this top name in the industry.

pros

  • Can use all licensed veterinarians in the United States
  • Claims are easy and fast
  • Multiple pet coverage under one policy

cons

  • New insurance product, but from established company
  • Waiting periods apply

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PetPlacePetInsurance.com at a Glance: 

Pets covered: Dogs, cats

Waiting period: Next day - 14 days

Deductible: $0 - $1000

Reimbursement model: Direct deposit, 70% - 100%

Best for: Pet owners with complex conditions

What Does it Cover

PetPlacePetInsurance.com has a plan for just about any eventuality you could think of. Coverage options include things like:

  • Accident and illness
  • Routine care
  • Accident-only plans
  • Vaccinations
  • Spay and neuter jobs
  • Bloodwork
  • Heartworm preventative treatments
  • Rabies shots
  • Flea and tick prevention
  • Teeth cleaning and other dental procedures
  • Urinalysis test
  • Microchip
  • Fecal tests
  • Blood panel
  • FeLV testing for leukemia

And a lot more. PetPlacePetInsurance.com covers a lot of medical conditions that other pet insurance providers will not. For example, even in its most basic plan, the Essential Plan, it covers hereditary conditions and illnesses like cancer. If you want more advanced coverage or alternative care options like acupuncture and chiropractic coverage, you can get that with PetPlacePetInsurance.com, but you'll have to splurge for the Elite Plan. If you know or think that your pet will need this sometime down the road, it's worth the investment.

Insurance Plans & Pricing

PetPlacePetInsurance.com has several plans to choose from, so pet parents can get the coverage they need without having to pay for a lot of extras that they don’t. Here are the 3 types of accident and illness plans available:


Essentials Plan
Plus Plan
Elite Plan
Accidents and illnesses
Yes
Yes
Yes
Exam fees
No
Yes
Yes
Rehabilitative care
No
No
Yes
Annual coverage limits
Unlimited
Unlimited
Unlimited

What’s really incredible about PetPlacePetInsurance.com is that no matter which plan you opt for, you’ll receive unlimited annual coverage. That’s amazing.

PetPlacePetInsurance.com also offers accident-only plans. The pricing varies depending on which state you live in, but there is generally a $10,000 annual coverage limit for these plans, along with a $250 deductible, and a whopping 90% reimbursement rate. Accident only plans cover things like coverage related to any treatment of injuries that were incurred due to an accident (like a broken bone, being hit by a moving vehicle, or swallowing a foreign object). If your pet is young and not prone to illness due to breeding, this is the most budget-friendly option available.

Finally, PetPlacePetInsurance.com also offers Routine Care Coverage. These plans cover the basics and can be added to any plan we’ve already mentioned. Routine Care Coverage is available in 2 forms: BasicWellness and BestWellness. Each one covers a variety of routine care procedures like vaccines, wellness exams, heartworm tests, and neutering. In total, pet parents can enjoy anywhere from $245-$565 in annual benefits from adding this coverage option onto their plans.

What is Not Covered

PetPlacePetInsurance.com covers a ton of conditions and medical treatments, but it doesn’t cover everything. Exclusions include things like:

  • Some pre-existing conditions
  • Elective and preventive procedures
  • Non-veterinary expenses
  • Breeding and reproductive expenses
  • Herbal, holistic, and experimental therapies

You can get a full and detailed list of all the exclusions when you ask for a quote and generate a policy.

Waiting Periods

Another thing that makes PetPlacePetInsurance.com so great to work with is its waiting period policy. Some pet insurance providers require you to wait a month or even up to 60 days after enrolling in a policy before the policy actually kicks in. Meanwhile, any expenses you incur during that waiting period are not reimbursed by the pet insurance policy provider.

PetPlacePetInsurance.com is a lot more flexible and understanding. Instead of a lengthy wait, PetPlace policyholders wait just 14 days for illnesses, 3 days for accidents, and routine care can even be used the next day. That's incredibly flexible of PetPlacePetInsurance.com and shows how much this company is looking out for your pets' best interests.

Coverage Limits

The most amazing thing about using PetPlacePetInsurance.com is the coverage limits or lack thereof. All plans come with unlimited coverage. So, you can take your pup or cat into the vet as often as it needs without worrying about maxing out on your annual limit.

Reimbursement & Deductibles

PetPlacePetInsurance.com has several reimbursement levels depending on which plan you’ve chosen to purchase. The same goes for deductibles. Generally, deductibles will range anywhere from $0 up to $1,000 depending on the procedure, policy of choice, and your pet. Deductibles rise in increments of $50.

Reimbursements from PetPlacePetInsurance.com are unusually high as well. They start at 70%, and with some procedures, will even be covered entirely. Here’s a sample of some of the claims paid out by PetPlacePetInsurance.com:

Claims & Service

PetPlacePetInsurance.com knows that just because you lay out the money for a medical procedure or emergency doesn’t mean you can afford to wait around for that check to clear. We were very pleased to see that PetPlacePetInsurance.com has an incredibly fast claims turnaround time. In fact, most customers see their claims paid out in 10-14 days, and that’s not business days!

What’s more, PetPlacePetInsurance.com makes it easy for policyholders to get the claims process going. There is a handy mobile app to submit your claims faster, and it’s even easy for the non-tech friendly pet owners. You can also submit claims online:

  • Fill out the claims form online or on the mobile app.
  • Provide any documentation pertaining to the claim, including veterinary services receipts, medical bills, and other care expenses.
  • Claims will be processed, and reimbursements will be directly deposited into your account or to the vet if you prefer.

Customer service is somewhat limited at PetPlacePetInsurance.com. You can only submit an email message with the online contact form before you become a client. Afterward, though, PetPlacePetInsurance.com has a 24/7 phone line that you can call for all questions. So, that really makes up for it. The mobile app also makes things a lot easier for customers to manage all of their account details.

What You Might Like Best

PetPlacePetInsurance.com  was a great pet insurance policy provider to review because it was apparent from every aspect of the service that it has one thing in mind: providing quality, user-friendly, and fast services to each pet it covers.

Everything from the user-friendly claims process to the flexible terms and conditions illustrates that this is a company that cares. That, in and of itself, sets PetPlacePetInsurance.com apart in our mind, and here are a few more things that really made this pet insurance provider stand out from the competition in our eyes:

Coverage

Unlike other pet insurance policies, all of the accident and illness plans from PetPlacePetInsurance.com cover euthanasia and cremation. It also covers overseas travel insurance for up to 6 months of traveling. With such depth of coverage, PetPlacePetInsurance.com clearly shows that its main concern is getting your pet the care it needs and deserves.

Accessibility

As we already mentioned, your PetPlacePetInsurance.com policy extends to when you are traveling abroad. What’s more, PetPlacePetInsurance.com has a 24/7 pet helpline (powered by whiskerDocs!). So, there is always someone available to reach out to no matter what time of day or night an emergency strikes.

In addition to having loads of policy options to choose from, PetPlacePetInsurance.com takes flexibility one step further by allowing pet owners to choose their own veterinarian to visit. Many pet parents have a vet they and their pets are already comfortable with. Instead of forcing a strange doctor onto your pet during its time of need, PetPlacePetInsurance.com allows you to choose the vet you want.

What PetPlacePetInsurance.com Could Do Better

Honestly, there's not really much to complain about with this service. The only thing we'd say PetPlacePetInsurance.com could improve upon is the online information resources. There is not much info on the website, and this makes it hard for pet parents to make an educated choice without generating a policy quote.

How PetPlacePetInsurance.com  Compares


PetPlacePetInsurance.com
ASPCA
Embrace
Deductibles
$0-$1000
$100-$500
$100-$1000
Reimbursements
70%-100%
70%-90%
70%-90%
Age limit
No age limit
From 8 weeks upwards
14 years old
Annual coverage limits
Unlimited
$5,000-unlimited
Up to $15,000

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Bottom Line

PetPlacePetInsurance.com is a reliable source for insurance coverage for dogs and cats that which lets you use the veterinarian of your choice. Add to that a sterling reputation for covering claims promptly, and this company, founded by a vet, will put your mind at ease as far as your furry friends are concerned.

Disclaimer

PetPlacePetInsurance.com, markets products offered and administered by Pets Best Insurance 

Services, LLC and underwritten by Independence American Insurance Company (rated A- Excellent by A.M.Best), a Delaware Company.

Sarah BadaniBySarah BadaniOct. 07, 2019
Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way.
PetPlacePetInsurance.com