Expert Review

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PetPlan Review

30 reviews

In a Nutshell

While Petplan isn’t the cheapest provider, it offers a basic level of cover that’s superior to some insurers’ more expensive plans, justifying the expense. You can customize your level of reimbursement, deductible and annual limit to fit your budget.

pros

  • Cover for hereditary and chronic conditions is standard
  • Choose amount and frequency of deductible
  • Unlimited annual cover option and lifetime cover

cons

  • No wellness cover
  • Can be costly

PetPlan PetPlan Visit Site

Highlights

  • Available in all 50 states and Canada
  • Highly customizable 
  • Comprehensive coverage with no age restrictions

What Petplan covers 

While Petplan used to offer tiered plans, it has moved towards a model with one single, comprehensive policy, which you can then customize by choosing your level of reimbursement (70% 80% or 90%), deductible ($100-$2,500), and annual limit($2,500-unlimited).

Standard cover is comprehensive, and includes accidents and injuries, diagnostic treatment, surgery, rehab, non-routine dental treatment, cancer cover, and even prescription medications.

If you take out a policy with an annual limit of $15,000 or more, there are some additional benefits, including behavioral treatments, death from illness or injury, and even lost and found advertising and rewards.

Limits and Deductibles

Petplan is one of the most customizable policies around. 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.

In addition, you can set your unlimited annual payout limit. This can be as low as $2,500 or completely unlimited coverage. Even better, 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, cancers, KCS or dry eyes, etc.

Reimbursement is a straight 70%, 80% or 90% of your actual vet bills.

Value for Money

Petplan’s coverage comes with higher price tag than some providers, but will give you peace of mind that your pet is covered for medical care.

It’s possible to insure a small, mixed breed cat for as low as $21.20 with an annual limit of $2,500, a $1,000 deductible and 70% reimbursement.

With a $15,000 annual limit, plus a $500 annual deductible and 90% reimbursement, the price becomes $51.16 a month.

While the price might be a bit high, you’re getting a lot of coverage and customization options. Also, the periodontal disease and bilateral condition coverage add a lot to these comprehensive policies.

You can get discounts that can knock a chunk off your final bill. These include 5% off if you purchase your policy online 10% off if you’re military or ex-military and even 10% off if you offer pet insurance to your employees as a voluntary benefit.

Age Limits 

Petplan insures all pets over 6 months old, with no upper limits. However, any pet over the age of 6 years will need to undergo a vet exam within 30 days of being insured.

PetPlan PetPlan Visit Site

The Fine Print: What Isn’t Covered?

Like some other insurers, pre-existing conditions are divided into 2 categories: those that will be covered after a waiting period, and those that are considered incurable. There is no set list of incurable conditions, but only examples of what might be considered incurable, which could make for some uncertainty. However, Petplan provides a free medical underwriting option and their customer service is open 24/7/365 to help you understand exactly how the policy works.

Dental treatment is covered, not only for dental injury but also for periodontal disease in all teeth. Routine treatments such as cleaning aren’t covered.

Routine wellness care also isn’t covered, but treatment for some conditions will be excluded unless you prove your pet had a routine exam by a veterinarian within 12 months prior to policy.

Of course, as a responsible pet owner you’ll want to get your pet checked at regular intervals, whether this is covered or not. However, with Petplan you run the risk of having an otherwise valid claim rejected if you miss a visit.

Conclusion

Petplan’s insurance policy has good standard cover and a lot of customization possibilities, which gives you flexibility. There are easy to qualify for discounts and you will be reimbursed by 70%, 80% or 90%, depending on your choice. You can also set your annual payout limit, with no per condition or lifetime limits for your pet. 

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

PetPlan customer reviews

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06 Jul 2020

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Top reviews

A*******r, UT
6 months ago

Ease of use

Brand satisfaction

Value for money

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protection for our 7 year old dog is paramount for us. So, we ensure that she has the best health care possible.

F******y, PA
6 months ago

PetPlan is awesome! They really care about animals and are not greedy nickel and diming your vet care. I would really recommend PetPlan to anyone !

L***a, VA
8 months ago

You can design your own plan for as much or as little insurance as you want. We have a annual payment which makes it easy for us but you can choose a monthly payment. So there are many options

J***e, TX
6 months ago

When I was researching pet insurance it was stated to be the best . It is very easy to use from getting treatment to filing a claim

I**y, SC
6 months ago

Because when my pet got sick they were able to cover most of the costs for me and that made me happy

R***a, CA
4 months ago

I don't really have any dislikes about this company because they always take care and I know I can trust them with my dog spot

R****a, TX
5 months ago

We found the coverage to be easy to use. Very easy process to submit a claim. The coverage offered is great for our family and our dogs.

R**a, MI
6 months ago

PetPlan provides affordable price premium's that gives me piece of mind in case of illness or injury, and there is nothing I dislike, very satisfied

R***e, MO
8 months ago

Pet plan is a great insurance company, it helps with my vet bills and medicines I need for my bulldog

T*****a, NJ
8 months ago

It provides the best insurance plan for the family dog. It has a choice of plans and a low cost insurance

A****a, GA
8 months ago

They are easy to use and have been responsive to my claims, however their premium goes up every year.

C****l, FL
5 months ago

I like customer service and quality of care my animal gets for the price of plan.

K***n, SD
6 months ago

Good service, reasonable price, good coverage, gives me peace for my pets, I don't worry if they might get sick of what will be covered or that I have to pay a lot out of pocket

T***h, NC
8 months ago

Easy to use, point of service claim filing and Vets I know. I can focus on preventative care for my pets.

B****e, KY
5 months ago

It's a good brand, very trustworthy and good service. I would recommend this company. There good to there clients and the pups!

C****a, AR
9 months ago

It's easy to use, it also has a low price so I can help my pets when ever they may need it.

B*b, SD
8 months ago

Good company with good benefits and fair premiums and great customer service. Clear policy language

C**l, NY
7 months ago

Pet Plan was everything I hoped for everything went great I would recommend them highly. Coverage is great. C

M***y, NJ
8 months ago

It covers a lot and it has saved me a lot of money in the past few years between shots and check ups.

M********e, NY
4 months ago

I really haven't used him for anything much because they don't cover just check ups or wellness visits

30 reviews