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Petplan Insurance Reviews: Is Price Everything?

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Petplan Pet InsuranceAfter an exhaustive review of nearly a dozen top pet insurance companies on the market today, Petplan came in second place among the pack! Why is Petplan our #2 pick for pet insurance? Keep reading to see exactly what all the Petplan reviews rave about!

This in-depth review will cover Petplan pet insurance and show you why Petplan is a terrific option for pet owners by examining coverage, customer reviews, cost, and comparing the services to other pet insurance providers. Use Petplan Discount Code “CanineJournal” to save a total of 10% off a new policy!

Visit Petplan’s Website

Call: 800-237-1123

After an exhaustive review of nearly a dozen top pet insurance companies on the market today, Petplan came in second place among the pack! Why is Petplan our #2 pick for pet insurance? Keep reading to see exactly what all the Petplan reviews rave about! This in-depth review will cover Petplan pet insurance and show you why Petplan is a terrific option for pet owners by examining coverage, customer reviews, cost, and comparing the services to other pet insurance providers. Use Petplan Discount Code "CanineJournal" to save a total of 10% off a new policy! Visit Petplan's Website Call: 800-237-1123…

Review Overview

Policy Coverage
Customer Service & Reputation
Timeliness of Claim Payment
Price of Policy

4.19/5.00

Summary : Petplan has great customer service, making their reputation phenomenal. There are few exclusions in their policies but overall they're a great pet insurance company. Why are they #2? Ultimately, it came down to price. Healthy Paws offers similar coverage and typically Petplan is more expensive than Healthy Paws for similar coverage.

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Who is Petplan?

Petplan is among the top pet insurance providers in the United States and is headquartered in the U.S. in Philadelphia, Pennsylvania. The U.S. based company is the sister company of Petplan UK, the world’s oldest and largest pet insurance provider and with over 40 years of experience, allowing Petplan to provide a level of coverage at a cost lower than most newer pet insurance companies can. They are licensed in all fifty states and the District of Columbia, as well as all provinces in Canada except Quebec. This is important to note because not all pet insurance companies cover all states.

Petplan also enjoys the stability and strength of the A+ S&P rated XL Specialty Insurance Company, as their underwriting partner. Currently, Petplan is used by various shelter and humane societies including the North Shore Animal League of America and the Humane Society of the United States. Partners of the Petplan pet insurance group include: Allianz, the North Shore Animal League of America, Esurance, Morris Animal Foundation and Pets for Patriots. All of these companies have a passion for pets and help Petplan to provide affordable but quality pet insurance.

What is Covered by Petplan?

Here is a list of services that Petplan does and does not cover as of January 2017.

Covered by PetplanNot Covered by Petplan
SurgeriesPre-existing conditions
HospitalizationVaccinations
CancerRoutine teeth cleaning
Prescription medicationsSpay/neuter procedures
Diagnostic treatment and testing (x-rays, blood tests, imaging, etc.)Wellness visits (preventive care exams or office visits)
Injuries & accidents
Illness
Non-routine veterinary exams & visits, including specialists & emergency
Hereditary & chronic conditions
Dental (non-routine) treatment
Congenital conditions
Emergency care
Alternative treatment
Behavioral therapies (optional coverage)

Should I Insure My Pet with Petplan?

With so many pet insurance providers available it can be difficult to distinguish one from another. Let’s look at why Petplan might be the right insurance solution for you and your furry family members. But, before you choose just one company, be sure to run price quotes with our top three companies or ALL companies that meet your criteria to find the best coverage for the best price.

Hereditary and Congenital Condition Coverage

Pet insurance isn’t just for accidents and unexpected illnesses, although those are enough to invest in pet insurance. Hereditary and congenital conditions can also be costly during the life of your pet, but the vast majority of pet insurance providers do not cover these types of conditions without additional surcharges or riders on the policy. Petplan offers coverage for hereditary and congenital conditions as a standard inclusion on their policies without riders or additional charges. This includes hip dysplasia.

Hip Dysplasia Coverage

Hip dysplasia is one of the most common hereditary conditions found in nearly 100 breeds of dog (from little Pugs to large Labrador Retrievers) but it is most common in large breed dogs, affecting 1 in 5. This common ailment can cost pet owners anywhere from $1,200 (yearly) to $15,000 to treat depending on the severity and course of treatment selected. Yet hip dysplasia is rarely covered by most pet insurance policies and when it is, they typically charge additional and hefty fees. Not Petplan. Petplan covers hereditary conditions such as hip dysplasia as long as there were no signs or symptoms prior to the policy or during the policy waiting periods.

Chronic Condition Coverage

Chronic health conditions can be another significant concern for pet owners interested in purchasing insurance for their pet. Many policies will not cover chronic conditions and those that do implement maximum pay out limits for the lifespan of the pet, ensuring that lifetime coverage is denied. Petplan however, offers coverage for chronic conditions. The only provision to this coverage is that the chronic condition should not be pre-existing and should not have occurred during the initial waiting period of the policy. Under the “covered for life guarantee,” Pet Plan offers coverage for life for chronic conditions so long as the pet policy remains in good standing.

Alternative and Holistic Therapy

Although alternative and holistic treatments are becoming more common in veterinary medicine, many pet insurance plans do not recognize them and charge additional riders or fees for coverage. Petplan is more progressive in this aspect and offers coverage for both alternative and holistic therapy without additional cost as long as a licensed veterinarian performs the treatments.

Pet Prescription Medication Coverage

Prescription medications are costly and unfortunately not every pet insurance policy offers full coverage for all medications. Petplan offers prescription drug coverage as a standard.

Pet Exam Fee Coverage

In the event of an accident or illness your veterinarian will want to perform an exam to fully assess the health of your pet. Depending upon the pet insurance plan you have in place for your pet, this exam fee may or may not be covered. In the case of Petplan, vet exam fees for unexpected emergencies are covered by policies. This Pet Plan insurance feature also ensures that exams performed by veterinary specialists are covered under the policy.

Pet Insurance Enrollment Fees

Pet Plan recently added an enrollment fee of $25 (in most states) but backs it up with a 30-day money back guarantee, so long as no claim has been filed in that thirty-day period. Most companies in this category charge a one-time enrollment or annual renewal fee.

Underwriter Rating

In the insurance world, a third-party underwriter ensures the policies are financially sound and can be fulfilled should a claim be filed. Pet parents can feel confident because Petplan is now underwritten by XL Specialty Insurance Company (XL Catlin), a global casualty and property insurer group with a great reputation and an A+ rating from S&P Global Ratings. This new relationship (launched June 1, 2016) also allows for more flexibility in creating policies that are unique for each pet and pet parent’s needs and budget, however, premium pricing seems to have climbed since this introduction of these new policy options.*
* We recommend that you always get a quote from at least two companies before choosing an insurer to get the best coverage for the best price.

Pros

Cons

  • Covers exam fees for emergencies and accidents as well as some hereditary, chronic conditions and congenital conditions that are not covered by most other plans
  • High customer satisfaction
  • There is a 5% discount for users purchasing their insurance plan online
  • Customizable plans (monthly cost adjustable based on coverage amount, deductible and reimbursement selections)
  • Covers prescription medications
  • No lifetime or per condition claims limit
  • BBB accredited with an A+ rating under their incorporated name, Fetch, Inc.
  • Live chat, which is a rare feature
  • Claims are typically paid within 5-14 days although they allow up to 30 days
  • App available to support claims via iOS and Android
  • In order for coverage to apply you must take your dog to the vet within 48 hours of noticing symptoms of an illness or injury
  • A number of policyholders complain that Pet Plan delays payment on claims (often due to a short upfront waiting period as a new customer) and requires extensive proof of treatment documentation
  • Dogs must have annual health and dental check ups in order for coverage to be applied. Failure to do so may mean your dog won’t get insurance coverage until that check up is done.
  • Only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months
  • Customers state it is more expensive than Healthy Paws for unlimited annual claims
  • Routine vet exams and office visits are not covered (aka wellness exams)
  • Complaints of high premium prices for new customers and premium increases for existing customers to be higher than competitors

Petplan Insurance Reviews

Want to know what real customers think? Read these positive and negate Petplan reviews to give you a better understanding of their customer service.

Positive Reviews

This insurance is everything! There are real people and they are super nice and helpful! They even have an app to file claims and I got a check within 2 weeks of my appointment. Highly recommend!! – Vahlen E., Yelp 5/27/2015

Fast friendly. Had no issues with getting doctor paid by PetPlan for several claims. One was about $4000. I only had to pay $200. -David K., Consumers Advocate 3/23/2015

Negative Reviews

Total Scam. Stay away. Disorganized, They don’t communicate with you and then they deny everything. Save your money and put your $30/month in to a saving account. – Lillie B., Yelp 3/21/2014

We had a broken leg claim which was handled 5 star… however, every year the insurance premium hikes $10. Doesn’t matter how wonderful or nice PetPlan is, we must change to a more stable pet insurance carrier. – John B., Consumers Advocate 6/19/2015

The Cost of Petplan Pet Insurance Policies

The cost of your Petplan pet insurance policy varies depending on a variety of factors such as the plan you select, the deductible you choose and the reimbursement percentage of your plan. As a client of Petplan you are able to customize your Petplan coverage to suit your needs.

Annual Coverage Allowances

As mentioned, there is a new option to choose from a wide range of coverage offerings by Petplan. Your annual coverage limit can start as low as $2,500 but the upper limited it truly unlimited. The higher the limit, the higher you should expect your price to be for the premium. Keep in mind this is the max amount that Pet Plan will pay out to you for any vet bills in any given year so make sure it is high enough to cover the financial and physical risks you are hoping to insure against.

Reimbursement

As with human insurance plans, Pet Plan pet insurance plans come with a variety of reimbursement options. Depending upon your financial means as well as your pets overall health, you may choose a higher or a lower deductible plan. Currently, Petplan offers 70%, 80% and 90% reimbursement plans. A plan with an 80% reimbursement means that the insurance plan will cover 80% of the cost of an incident and the policyholder will pay the remaining 20%. Please keep in mind that with all pet insurance plans, the current norm is for pet owners to pay the full vet bill but then submit your claim to the insurance company to be paid back at your policy’s reimbursement level.

Deductibles

Regardless of which of the Petplan Insurance coverage and reimbursement rates you select, you will also have the option to select your deductible. There is a range of deductible amounts to choose from, ranging from $100 to $2,500. These deductibles can be applied on an annual or per condition basis for your pet. This means that if your pet has two veterinary visits for the same condition 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. Deductibles are taken after your policy co-pay has been applied.

An Example of a Petplan Insurance Claim

Assuming that you purchase a plan for your dog with a $10,000 annual coverage limit, $100 deductible and 90% coverage, let’s take a look at a potential claim filing.

Your dog has just broken his tooth and requires dental surgery. Under your plan your dog is entitled to $10,000 in reimbursement, but this does not mean that if your dog’s tooth extraction costs $10,000 that you will receive this amount. Specific conditions under your plan receive policy limits—the maximum your dog’s policy will pay out for a particular condition or procedure. Let’s assume your dog’s tooth extraction costs $400 and under your policy that full amount is covered. Petplan will pay 90%, after you pay your $100 deductible and the 10% that you are responsible for over an above the 90% deductible insured by Petplan. In this example, Petplan will reimburse you $270 for the tooth extraction.

Compare Pet Insurance Costs

Visit our Pet Insurance Quotes page to see how the cost of Petplan stacks up against the competition.

Coupon Code

Use coupon code CanineJournal to receive an additional 5% discount (10% total if you sign up online). Alternatively, if you call 800-237-1123 you will automatically get the additional 5% discount! You can also visit our dedicated Petplan promotions page to discuss current offers.

Which Pet Insurance Plan is Right for You?

Although there are only three coverage plans available to pet owners via Petplan for their pet’s insurance coverage, there are also three options for co-pay and three options for deductible cost. This combination provides a much larger number of possibilities when it comes to providing for your pet’s medical needs. There are a number of factors to take in to consideration when deciding which Petplan health insurance policy is the best for you and your dog.

Consider Cost & Coverage

When talking pet insurance, the question we most often hear is, “How much does that cost?” Yes, pet insurance is an added monthly expense, but one that can save you significantly in the event of a major health issue. Chances are, over the course of a pet’s average 7-12 year life span, your pet will have at least one medical incident or health issue. (Consider that many dogs and cats now live well into their teens!) The right question to ask yourself: “Are you getting the right amount and kind of coverage for your pet within your budget?”

The Maximum Benefit

While customer satisfaction rating is a big selling point for many pet owners when it comes to pet insurance, it is also important to consider which provider and which plan provides the maximum benefit for cost. If, for example you have a dog that is fairly young and generally healthy with few hereditary concerns, you may feel comfortable with a lower coverage plan with a higher deductible and a lower co-pay percentage. If, however, you have a dog with a chronic condition such as skin allergies or diabetes, you may find that the higher coverage plans are worth your investment based on the number of medications or treatments your pet requires.

Veterinarian Acceptance

While human medical insurance companies only work with certain practices or doctors, pet insurance works differently. There are no “in-network” or “out-of-network” issues to worry about, and you don’t need a referral or approval to see the licensed veterinarian of your choice. The client (you) pays up front for the full cost of the veterinary services and then files a claim directly with Petplan. This claim is processed and the client is reimbursed directly by Petplan. If you have questions about your coverage, call Pet Plan to see if you’re covered before a (non-emergency) procedure or treatment is done on your pet. Bottom line, aside from providing you itemized receipts to file claims, your vet’s office will probably have very little to do with your pet insurance provider.

Petplan Insurance Reviews: Compare Petplan To Other Leading Pet Insurance Providers

Visit our dog insurance reviews page to see a comprehensive comparison of the leading insurance providers for pets.

What is Your Dog Eating?

Worried about what your dog is eating when you’re not looking? Perhaps Petplan can help you feel more protected. Check out this video below, this dog loves to try everything!

Why You Should Get Pet Insurance for Your Dog

Ultimately, whether you choose to use Petplan for your dog is up to you; however, here at Canine Journal we always advocate some form of insurance. Did you know 41% of pet owners are worried they wouldn’t be able to pay for their pet’s emergency medical bills? Pet insurance helps to reduce out-of-pocket expense when any significant medical event occurs in your dog’s life. None of us ever plan for these unexpected events to occur but pet insurance offers a peace of mind when they do happen.

Do you have pet insurance today? Why are you considering Petplan?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.


About Kimberly Alt
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! Although she doesn't have a dog of her own she hopes to have a big dog someday!
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81 Comments on "Petplan Insurance Reviews: Is Price Everything?"

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Halle
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Halle
This is very interesting. Since being bought out by a new underwriter (I believe this is what it’s called?) all premiums skyrocketed. They also changed how they look at deductibles, and pretty much treat everything as it’s own deductible. I calculated it, and you pretty much have to hit a 350 minimum before they consider paying anything out. They really are disappointing with communication ( I find I have to constantly call them to find out what is going on with my claims as they don’t even send documentation to my home half of the time,) and the service they… Read more »
Nick
Guest
Nick

Our dog was hit by a car in Sydney and suffered a broken leg; we paid all the bills (around $8,500.00) then submitted them in an online claim to Petplan. With absolutely no fuss, we received almost full payment (less excess and a couple of minor items) within a couple of weeks. I thought their service was excellent.

gloria lee
Guest
gloria lee
Recently, we have had to unexpectedly file some claims, as Rudy was diagnosed with diabetes. As one could imagine, I had many questions about the claims process and procedures, and to make things more frustrating, not all necessary documents from our vet had been received by pet plan. Fortunately, Ms. Simone Waters, saved MY day! she personally called my vet while she placed me on hold (with my permission) and made sure they knew which documents and records were needed to assist in filing Rudy’s claims. Awesome! I was absolutely satisfied in the way she assisted me with all my… Read more »
Katie Gibbs
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Katie Gibbs

We got PetPlan for our 6-year-old rescue mix. I could not be happier. It turns out that he had a long-term condition, and they have paid 80% of everything–considerable costs, with almost no question. And the few times I had to note that a certain bill was due to the ongoing condition, they never balked. I never imagined I could be positively happy with pet insurance, but I have been with PetPlan. I mean this!

GagaKiki
Guest
GagaKiki
My dog is now 1 year old, but when we purchased Pet Plan, she was only 8-weeks-old, paying about $35 monthly with $200 deductible. I didn’t know the deductible is based on “per condition”; this is what happened; so my dog twisted her ankle when she did her run, and we went to emergency, the bill was $430, great, I paid and filed the claim, with the deductible $200, and 80% coverage, I got $184; then another claim was when my dog’s paw was infected because it’s too wet and humid by walking in the rain so much, the cost… Read more »
Slyster
Guest
Slyster
I have always thought their information was clear from the get-go with per condition deductibles. These per condition deductibles also have to be paid annually. So for example, my dog was diagnosed with a chronic life long disease this year. I paid my $200 deductible and I have been reimbursed about $900 or so. Next year, I’ll have to pay that $200 deductible again. Don’t overlook that. I pretty much got my money back (and a little more) for what I put into this year including the deductible. They have changed to annual deductible plans because of their new underwriter,… Read more »
Pug parent
Guest
Pug parent
WORST pet insurance ever. I have had my dog insured with them for 2 years. For small claims (less than $1k) they were fine covering, but the moment we got a big bill they try to avoid paying in any way they can. My dog fractured his jaw, so I took him to the vet, which referred us to the specialist. They had to put him under anesthesia and take xrays, and perform surgery on him to remove 10 teeth. The bill was $3,200. PetPlan denied my claim because my dog had an underbite since he was a puppy!! Even… Read more »
Slyster
Guest
Slyster
Has anyone done a comparison of Healthy Paws plans and Pet Plans plans? Why is Pet Plan so much more expensive? When I did a comparison of their annual deductible ($250) with 80% coverage. Healthy Paws has unlimited life time benefits. I checked for a 7 year old beagle. Healthy Paws is $57.72 a month and Pet Plan is more than twice that at $123.90 for same annual deductible, 80% coverage, but in this case, I typed in a $10,000 a year limit. Healthy Paws doesn’t cover office visit fees but other than that they are very comparable. Why is… Read more »
nuncha
Guest
nuncha

Our Petplan is going from $150 a month to $400 for $7,500 a year less coverage and for only $1,500 a month unlimited. What a RIP

Petplan Insurance
Guest
Petplan Insurance

Hi Nuncha, we understand these changes can be difficult. Please give us a call at 1-866-467-3875 so we can review your policy in full detail and see what other coverage/deductible options we can provide. We are here 24 hours a day to assist you.

Amy
Guest
I don’t think losing coverage for exams is a reasonable trade off. In MA, my regular Vet is $62 for an office visit. The Emergency Room (note: Healthy Paws clearly states on their site that exams, even at an ER, are not covered- they say “think of it as a co-pay”) is $182 for the exam. So your dog eats a bunch of chocolate and you take her in and they make her puke it up. The bill is $200, and you’re only covered for the $18 in IV fluids (if that). Or say your dog is bitten by a… Read more »
Slyster
Guest
Slyster

Good point about the exam fee. I don’t pay for office visit/exam fees at my regular vet as we are signed up for wellness plans there. I don’t like that some plans don’t cover office/exam fees which was one of the reasons I chose Petplan over Healthy Paws and Trupanion. At the same time, Healthy Paws does not have limits though either. When you look at $692 vs $1486 that’s pretty darn significant.

Kimberly Alt
Guest
Kimberly Alt

We’ve also done a comparison of Healthy Paws and Petplan, you can check it out here: https://www.caninejournal.com/healthy-paws-vs-petplan/. Petplan recently got a new underwriter, XL Specialty Insurance Company. If you skim through our comments you’ll see some from Petplan that explain why their prices are so high.

We found the same information while doing our audit for pet insurance. Petplan’s prices spiked after this change in underwriters and this is part of the reason Healthy Paws is ranked higher than Petplan.

Slyster
Guest
Slyster
Okay, wow Kimberly…thanks for sharing that. You guys have a lot of great articles and I didn’t see that one. I knew Petplan got a new underwriter. Before the new underwriter, I would always recommend Petplan and Healthy Paws to my friends. Largely because of your articles, but also because of my own research. I’m kicking myself because I chose these two companies as the front runners because they kept the same underwriter for years. I have a bad experience with another company who changed underwriters twice and after the second time, their premiums sky rocketed too. As a loyal… Read more »
Michelle Schenker
Guest
Michelle Schenker

Thanks Slyster for sharing your thoughts. I will pass your kind words on to Kimberly (she is on her honeymoon this week!). While we can make generalizations all day about pricing for insurance policies, they will not apply to all people and pets. So, we suggest that you run your own quotes to find out for yourself – it takes about 3 minutes to get a quote for just about any company. Let us know what you find.

Slyster
Guest
Slyster
Here are my quotes for a 7 year old male beagle. Healthy Paws, 80% coverage, $250 annual deductible (does not cover exam fees), no lifetime limits was $59.91 a month. Pets Best, Elite Plan, $200 annual deductible, with 80% coverage, $77.63 a month. Trupanion, 90% coverage, $200 per condition (only pay this once, not annually like some companies; doesn’t cover exam fees, no lifetime limits), $105.43 a month. PetPlan, $10,000 limit per year, $250 annual deductible, 80% coverage (covers exam fees), $123.90 a month. Trupanion was the second highest with Pet Plan the highest. Keeping in mind PetPlan does cover… Read more »
Kimberly Alt
Guest
Kimberly Alt

Thanks for sharing your quotes with us. I’m sure our readers will appreciate this information! 🙂

Alejandra C Suarez
Guest
Alejandra C Suarez
Getting PetPlan Insurance for our pets has been one of the best decisions we have ever made! Their customer service is fabulous. The claims reimbursement process is very quick. Also, their app makes the claim filing process even more easy. Overall, our experience with PetPlan has been GREAT! I’m very surprised to see the bad reviews but for those considering PetPlan as an option for insuring your pet, here’s our experience with PetPlan, I hope it helps: Our lovely almost 3 year old cat Nickel got Histoplasmosis, it’s a horrible, nasty, slow progress and very aggressive fungal disease. We were… Read more »
unhappy insured
Guest
unhappy insured

Buyer beware, they will quickly hike your premiums on an annual basis. I am not sure if they are doing this to everyone or just those with aging pets, but this year they are increasing deductibles, raising premiums and increasing required copays. It seems that this ceases to be worth it unless your pet has a terrible accident and needs extensive care.

Petplan Insurance
Guest
Petplan Insurance
Hello there, I wanted to take a moment to respond to some of your concerns. All pet insurance premiums rise over time to reflect the added risk of your aging pet. That is not unique to Petplan, but it may be represented by other companies in other ways. To your point about increasing deductibles, we actually now offer greater flexibility in deductible choices than ever before, ranging from $100 to $1000, and those that qualify are also eligible to have an annual deductible rather than a per condition deductible. We also dropped the required 80% copay on specialist care and… Read more »
RICK KAUFMANN
Guest
RICK KAUFMANN
We have two loveable Dobermans insured with PetPlan and we are delighted with their customer service, helpfulness on the phone, and overall service. Yes, PetPlan is expensive, BUT their prompt reply (a real person!) to questions, prompt completion and payment of claims, and fairness are well worth it. Heather McAlea (on the phone) has been wonderful and most understanding. The flexibility of PetPlan in altering my policy based on my dogs’ needs, prorating changes in deductibles, and offering multiple plan options is phenomenal. They expect normal pet checkups yearly and detailed vet notes for claims. If that is done, you… Read more »
Petplan Insurance
Guest
Petplan Insurance

We are honored to call you and your pups family, Rick! Thank you for the feedback!

Dobbie
Guest
Dobbie
This company is criminal. I have been with them for 7 years. My dog was 4 months old when I signed up with them. He is 7 years old now. My premiums increased $200.00 to $300.00 a year and their explanation was his age. $200.00 increase for a 3 year old dog? My plan increased every year by 25 to 30%. I just received a letter that they have a new insurance writer and can no longer offer me my plan I’ve had for 7 years. I have always had a plan with 100% reimbursement – last year it was… Read more »
Petplan Insurance
Guest
Petplan Insurance
Hi Dobbie. Thank you for being a member of our family for seven years. I cannot begin to tell you how much that means to us. Regarding your concerns, I can understand your frustration regarding the premium increase and would like to offer some further clarification if I may. I cannot speak to how other pet insurance providers choose to determine their premium increases, but at Petplan, they are usually dictated by your pet growing older and therefore becoming more at risk to developing a costly condition. Most recently, our previous underwriter, AGCS Marine Insurance Company, also made the decision… Read more »
Lisa
Guest
Lisa
10/10 08/26/16 I’m so thankful I have Petplan insurance for my dogs. If it wasn’t for Petplan, I wouldn’t be able to afford the specialty veterinary care that has kept my dog alive and doing well. After a few trips to the emergency room, overnight stays, routine blood panels, medications, and specialty follow up vet visits, the bills are INSANE. I would have gone into debt paying for his bills of it weren’t for Petplan. They process the claims so quickly and make sure I get my reimbursement check as fast as possible because they know how difficult it is… Read more »
Petplan Insurance
Guest
Petplan Insurance

We appreciate the kindness, Lisa. We are honored to call you family.

Angela Mitchell
Guest
Angela Mitchell
I have been with Petplan many years and I am very happy with them. Most recently my golden retriever got cancer. Luckily it hasn’t spread and we are able to manage it so far with radiation. I am very lucky that I bought him this policy as a puppy and now able to keep him around longer in his old age. Kim Borbone who helps me with all my claims has been there helping me throughout this painful process. She always gets my claims in quickly which means I get a check back in the mail within a couple of… Read more »
Petplan Insurance
Guest
Petplan Insurance

We know far too well the difficult battle with cancer, Angela – we’ve faced it with our own pets. We are humbled that we can be here to provide you peace of mind with the vet bills and help Jake in the fight!

Evan L
Guest
Evan L

Recently I had to submit a claim for my cat. Kim B. with Petplan was extremely helpful and knowledgeable. My claim was handled quickly and I am very happy! Petplan is great insurance to have!

Petplan Insurance
Guest
Petplan Insurance

Thanks Evan! We’ll be sure to paw it forward for Kim and let her know about your kind words!

Howard
Guest
Howard
We could not be more satisfied with the care and attention that we have received from Petplan. Those of you considering PetPlan as an option in insuring your pet, please read our story that follows. Our story began a few months ago when we noticed that our 5 ½ year old Vizsla, Jitterbug had a small “pimple-like” blemish near the tip of her nose just under her right nostril. We monitored it for a few weeks noting it getting a bit larger, and decided to have it checked out with our local veterinarian. Our vet assured us that this was… Read more »
Petplan Insurance
Guest
Petplan Insurance

Thank you for these kind words, Howard! Stay strong, Jitterbug. We are here for you!

Sarah Yates
Guest
Sarah Yates
I’m becoming increasingly concerned regarding negative reviews regarding higher premiums with the new underwriter. Even Canine Journal mentions it in their “Cons column”. When I changed from Pets Best to Pet Plan, I made sure I chose a company who has consistently had the same underwriter. Pets Best had two new underwriters since I was with them and the last change, our premiums sky rocketed! You feel trapped because you have seniors. I did a lot of research and also used Canine Journal’s recommendation when choosing Pet Plan. I’m due to renew in February and I have to admit, I’m… Read more »
Petplan Insurance
Guest
Petplan Insurance
Hi Sarah. I can address some of your concerns. Please note I am using a consistent message here for clarity, so you may see parts of this below as well. As noted in your comment, we did recently begin offering policies with a new underwriter. To offer some background on that decision, earlier this year our previous underwriter, AGCS Marine Insurance Company, made the decision to exit the pet insurance industry. When we learned that we’d have to sniff out a new underwriter, we were determined to join paws with a company that is as committed to pet health as… Read more »
Sarah Yates
Guest
Sarah Yates
Thanks for taking the time to respond personally to my message. It sounds like your current policy holders, those with existing conditions will be most affected? It’s also my understanding that any pet who had a claim paid out will not be eligible for the annual deductible. Honestly, I’m okay with that. I signed up knowing I had to pay a deductible per condition, per year (if chronic). I also pay the 80%, $200 deductible so the specialist co-pay change with the new underwriter doesn’t affect me either. All that to say, I’m not sure how a new underwriter benefits… Read more »
Petplan Insurance
Guest
Petplan Insurance

Hi Sarah. We understand your points and the position this change puts you as a current policyholder in – and we’re here to try our best to find a plan that will work for you and your furry family. Please call us anytime to discuss your concerns… we are happy to explain in detail all that we can about the new policy, underwriter and so on.

Sarah Yates
Guest
Sarah Yates

I don’t think I can blame the company. It’s the underwriter. I know this puts you in a tough position. It just sounds like it’s the current policy holders who are getting hit the hardest and what concerns me even more is if anyone has submitted a claim of any kind, they will be treated differently. That stings. I will be in touch and I’m hoping and praying it’s not as bad as what I’m afraid of. Thanks again for responding. I really do appreciate that. I also appreciate you understanding where I am coming from.

Chrissy
Guest
Chrissy
Pet Plan Pet Insurance – Would never recommend again! I had my policy for 3 years since the day I brought my puppy home. I paid on a quarterly basis it came directly out of my debit account until I lost my wallet and had to cancel all my accounts. By the time I caught up with updating all the automated payment accounts I had I did not realize Petplan also needed to be updated. I received a letter in the mail that I did not open right away as Petplan sends out marketing campaigns it did not say urgent… Read more »
Mary Iggy
Guest
Mary Iggy

Do NOT purchase Insurance with Petplan. They use false advertising and this is a quote from their ad in the 2016 issue of AARP Magazine “‘If your Veterinarian recommends it, we cover it’ All accidents & illnesses, even chronic & hereditary conditions.” I have been insured with them for over a year and have not been paid one cent. My dog has chronic asthma, and I’ve called Petplan and they use this circuitous logic, or lack thereof, to deny all claims. Do NOT waste your precious $$ on this Charlatan Insurance!

Elliz
Guest
Elliz
After paying into my PetPlan policy for 7 years, and feeling confidant my dog was covered by the best company, I have just had my first claim with Petplan and am very displeased and feel their reasoning to disallow costs borders on unethical. I advocate for being a responsible pet owner, and became aware that veterinary care now costs as much as medical care for a child. Not only do I have PetPlan insurance – I have “sold” numerous family members and friends on the priority of carrying PetPlan insurance. In the past, I had experienced another company that disallowed… Read more »
Danny Benovich
Guest
Danny Benovich
They turned down my dachshunds coverage for IVDD treatment because 4 years ago, I had a radiograph done to check on a pregnancy. They went back to a 4 year old x-ray and decided that they saw a potential narrowed disc space (no symptoms or signs of back problems for life prior or next two years), and decided not to cover a back condition that happened 4 years later based on the old pregnancy radiograph, they have decided it was a pre-existing condition (I have been paying them for 2 years now about 60 bucks a month). I feel like… Read more »
Kimberly Alt
Guest
Kimberly Alt

Hi Danny, I’m so sorry this happened to you. We are not paid by Petplan to give our reviews. We conduct unbiased research to give honest feedback to our readers. We will definitely take this into consideration in our next audit of this article. Thank you for telling us about your experience. Hearing from readers like you helps us with our reviews and rankings. May I ask, have you changed coverage to another company? Or do you still have Petplan?

Danny Benovich
Guest
Danny Benovich

I found them to be a criminal enterprise. I’m guessing the glowing reviews are planted by paid interns of Petplan. I feel fleeced. Don’t buy it.

John James
Guest
John James

Pet insurance or any insurance for that matter isn’t in it to really help. It’s a business like all the rest with overhead and sending CEO’s on trips to the Bahama’s every year. They are making money hand over fist and love it. Pet food, toys and insurance is a multi-million dollar industry. Put away the co-pay/deductible and monthly payment in a saving account like others were saying (skip insurance) and not worry if you did everything right to get coverage.

Kimberly Alt
Guest
Kimberly Alt

Hi Danny, just to be clear, we are not paid by Petplan to give good reviews. We conduct unbiased research to give honest feedback to our readers. Have you used Petplan before? Why do you find them to be a “criminal enterprise”? Thanks in advance for your feedback. Hearing from our readers helps us update our reviews and rankings.

Jamie Shepherd
Guest
Jamie Shepherd
I insured my dog beginning at age 9. She lived until 13 1/4 years. If I had not purchased pet insurance, we would have had to euthanize her years ago. I got the Silver 90% reimbursement with a $200 deductible. My monthly cost was $50. (Which rose to $75 as I was making many claims near the end.) The first incident was when I saw some of her molars were broken and black. The vet hospital removed them. The second incident was cancer. She had to have many operations. One of them cost over $6000. It gave us another year… Read more »
John Violette
Guest
John Violette

So if I’m reading the reviews correctly, as long as you get a yearly Wellness Exam and keep the receipt. You should have no problems with a claim, as long as there is no “pre existing” condition. I would like to see a detailed explanation of what you guys describe as pre existing conditions. That phrase concerns me, and it could mean anything. Also, how much does the premium go up by each year ?

Myla Holmes
Guest
Myla Holmes

See above comment by ExecOrder11110. My experience was the same. Expect a 25% annual increase even when the dog is young (in my case, between ages 3-4) and healthy, without having filed a single claim. Outrageous!

Kimberly Alt
Guest
Kimberly Alt
At Petplan a pre-existing condition is defined as a “medical condition which first occurred or showed clinical sign(s) or symptoms before the effective date of your policy or which occurred or showed clinical sign(s) or symptoms during the policy waiting period. Simply put, if your pet has or had any condition, whether diagnosed by your veterinarian or not, before enrolling in a Petplan pet insurance policy, it is considered pre-existing.” Petplan continues on with the following. “However, at Petplan we recognize there are two types of pre-existing conditions: those which can be cured, and those which cannot be cured. If… Read more »
Elizabeth Baker
Guest
Elizabeth Baker
After recommending PetPlan to many people I am seriously reconsidering due to: 1. When I moved they raised my rates nearly 40%. 2. When I had my first claim they made me jump through hoops and delayed it for weeks and weeks and then only paid a small fraction of it. 3. After my sales reps repeatedly told me “all you need is vet records showing that the pet has been to the vet sometime in the last year” I found out that this was a lie when PetPlan made me come up with 2+ years of vet records and… Read more »
Sarah Yates
Guest
Sarah Yates
I would like clarification. You state that Pet Plan does not cover veterinary exam or office visit fees. I am a Pet Plan insurance holder and I contacted them because I always thought exam and office visit fees were covered. I was told that in the event of an illness, injury, or accident, they do cover pet exam and office visit fees. They do not cover a wellness visit fee so if for example, I take my dog in for their annual exam and vaccines, the exam fee would not be covered. However, if during that exam, they found something… Read more »
Chris
Guest
Chris

I wondered the same thing. From what it appears, Healthy Paws *never* pays exam/office fees–whether the visit is for an urgent matter or if, during a routine visit, an issue is found. PetPlan pays such potentially large fees in both of these cases.

I’m concerned that Healthy Paws apparently changes their coverage to 70%/$500 upon the pet reaching 8 years of age and if the customer makes any changes to the policy.

OTOH, I don’t like PetPlan’s per condition annual deductible, and I’m concerned about their reportedly substantial annual price increases–which, presumably, Healthy Paws doesn’t have.

Kimberly Alt
Guest
Kimberly Alt

We are so sorry for the confusion Sarah. We will be sure to update that so it is stated more clearly. Thanks for mentioning it to us. Pet insurance is a complicated topic and we want to make it as easy as possible to understand!

Sarah Yates
Guest
Sarah Yates

Thanks Kimberly. I appreciate the quick response. I am just glad it was wrong as it would have been a surprise to me. Again, thank you!

Kimberly Alt
Guest
Kimberly Alt

You’re welcome Sarah! 🙂

Chris
Guest
Chris

[Policy coverage of four out of five stars]

“More policy coverage exclusions than our #1 pick, Healthy Paws”

Can you elaborate? What conditions does Healthy Paws cover that Petplan does not?

Kimberly Alt
Guest
Kimberly Alt

Great question again Chris! I think you’d find this article beneficial! https://www.caninejournal.com/healthy-paws-vs-petplan/

Chris
Guest
Chris
Thanks for pointing me towards another good article! But I don’t see any conditions that Healthy Paws covers that Petplan does not. If anything, the reverse is true: “[Only Petplan includes] Coverage of behavioral therapies”. What am I missing? BTW, I had mostly good experiences with Petplan over the 2.5 years I was a customer. (My dog passed away about a month ago.) The only thing better would have been annual deductibles that aren’t per *condition*. I *did* experience a substantial increase in premiums for the second and third years–which corresponded to the ninth and tenth years of my dog’s… Read more »
Kimberly Alt
Guest
Kimberly Alt
Oh no, I’m so sorry for your loss. Losing a dog is never easy. My thoughts are with you. Overall, the reason Healthy Paws is better than Petplan is because of the contract. Although they cover almost the same items, Healthy Paws’ contract has fewer exclusions. Combined with unlimited lifetime benefits and an annual deductible they ultimately come out on top. Petplan was our #1 pick last year but in our most recent audit we went through the contracts thoroughly and overall felt that Healthy Paws would be a better choice especially if your dog is a daredevil and you… Read more »
Chris
Guest
Chris

Thanks for the detailed reply..and for the condolences. She was a Cavalier King Charles Spaniel and was the love of my and my family’s lives. We’re going through a very difficult time.

So something beyond your reviews–in particular, your detailed comparisons of the two companies’ contracts–is the primary reason why you made Healthy Paws your #1 pick. I appreciate the time and effort your team spent doing that!

I’m not entirely sure what would qualify as “behavioral therapies” but is it significant that Petplan covers them but Healthy Paws does not?

Kimberly Alt
Guest
Kimberly Alt
We’re so glad we can help you with your hunt for the best pet insurance! Behavioral therapy is defined as the following from Petplan: Petplan will cover behavioral therapy for your pet (up to the limits stated in the policy) if your veterinarian believes that it is in the best interest of your pet. Petplan will cover consultations with a licensed veterinarian to diagnose and treat behavioral problems where an underlying medical condition is the cause of your pet’s behavioral issues. The veterinarian does not need to be accredited in behavioral therapy for coverage to apply. Coverage does not apply… Read more »
ExecOrder11110
Guest
ExecOrder11110
1. They are excellent with paying claims. My dog had luxating patella (congenital condition) surgery in 2013, costing $1800 and Pet Plan paid $1600 with zero hassle. 2. Expect a 25% premium increase every year. These are the annual premiums for the first 7 years of my Boston Terrier’s life in the Philly suburbs: 2008 – $289 Gold Plan ($200 deductible, 100% coverage up to $22,000) 2009 – $289 Gold Plan 2010 – $328 Gold Plan (13.5% increase) 2011 – $412 Gold Plan (25.5% increase), Switched to Silver at $369 ($200 deductible, 100% coverage up to $14,000) 2012 – $457… Read more »
Petplan customer
Guest
Petplan customer

I have had Petplan insurance since 2009 and share the same observations: excellent claim payment; 25% premium increases starting in the 4th year. In our just received notice of renewal, Petplan has informed us that they’ve changed underwriter to XL Specialty Insurance Company. To continue to own comparable coverage ($200 deductible, 90% reimbursement) for next renewal for our 7 year old pooch, the quoted rate is 60% higher than this current year and we have filed no claims whatsoever this year! Yikes!

Petplan Insurance
Guest
Petplan Insurance
Thank you for your feedback and for being a member of the Petplan family for the past seven years. We are truly humbled by your commitment to your pet family members. As your partner in pet health, we too are committed to giving you and other pet parents the best coverage for your best friends. As noted in your comment, we did recently begin offering policies with a new underwriter. To offer some background on that decision, earlier this year our previous underwriter, AGCS Marine Insurance Company, made the decision to exit the pet insurance industry. When we learned that… Read more »
nuncha
Guest
nuncha

OH and for NO LIMITS it is $1,500 a month. I can save up that and pay my vet bills shame on you Petplan. I have sent over 200 people to you and have been rabid about posting on all social media about what you have pulled. Screw your S&P rating laughable get in bed with the banks too and then tell us all about it.

nuncha
Guest
nuncha

blah blah blah blah blah you are increasing my pet’s insurance to 250% this year. Life of the pet. Yea until the owner goes broke for less coverage. I have an idea what you can sniff as my consumer law sniffs out how legit your increases are.

Myla Holmes
Guest
Myla Holmes

Agreed! I noted the same thing – outrageously high annual increases averaging 25% even for a young, healthy dog and no claims. Of course no advance notification of the increase if your credit card information is on file, just a new higher charge. I’m better off building a pet emergency savings account and using a credit card as needed. My interest rate is far lower than 25% annually.

Angela
Guest
Angela

We are researching pet insurance and with all the stories of rejected claims–this just might be the way to go. At least you know for sure you can get access to your money when your pet gets sick.

Britt
Guest
Britt
Do not get pet insurance with pet plan!!! Brutal!! They made so many mistakes on my account. When I finally went to submit a $400 claim because my dog slipped on the ice and strained his leg, they denied it based on the fact that my vet had posted in a previous check up that she observed “no limping of the legs.” The operator told me that the vet had to specifically say “legs are healthy.” So, in that case, the operator had deemed that my dog must have had damaged legs before this accident and therefore was “preexisting.” I… Read more »
Petplan Insurance
Guest
Petplan Insurance

Hi Britt. We apologize for any frustrations you may have faced. Our team has reassessed your claim based on the information provided and will be reaching out to you with a resolution. Thank you for bringing this to our attention and for giving us the opportunity to resolve this confusion.

Jason Mevorah
Guest
Jason Mevorah
Do not purchase pet insurance with this horrible company! I paid my premium perfectly for 13 months with this as my results: My first and only claim was for my dog. We found a lump on her back and took her to the vet. The vet performed surgery and we were able to remove a benign tumor. When we submitted the claim, Petplan insurance spent 3 weeks acting like they were doing an investigation for the claim. After three weeks, our claim was denied based on my dog not having a recent check up with a vet. My dog had… Read more »
mikesco
Guest
mikesco

Seems to me if they are not going to pay a claim based on no annual exam, they had 0 risk, therefore they should at least refund your premiums for the period time you weren’t covered.

shavy
Guest
shavy
Your policy specifically states that the animal covered requires an annual wellness check. It is your responsibility as an insured to be on top of your own eligibility; it is not the insurance company’s job to nanny you and send reminders that you haven’t taken your dog to the vet. They don’t require you to file anything attesting as to when the annual check was done, and therefore don’t know if or when you’ve done it. They assume that you understand your policy rules and exclusions and are responsible enough to have followed them. As an insurance agent (not for… Read more »
Wanita Jordan
Guest
Wanita Jordan

The person who wrote the review was denied the claim even though the tumor would have occurred if they took the dog for an exam. No exam would have prevented the growth. This claim should have been allowed.

Sarah Yates
Guest
Sarah Yates
I agree. When I signed up, they made it very clear that my pets had to have an annual exam done. It’s part of our responsibility as a pet owner to make sure they have annual exams. PetPlan also made it very clear that each condition has its own deductible. I decided as a pet owner to have my pets examined before coverage so I would know what was covered (in case there were exclusions). I do think with all the information thrown at owners, it is easy to overlook important details. A company is damned if they overwhelm us… Read more »
Sara
Guest
Sara

Oh my gosh!!! I was going to sign up my three cats! It was going to be a big cost to me but I thought it would be worth it in the end. Thank u for alerting us of this “scam” and I’m sorry that you had to go through that! I’m scared to think “what if” this had happened to me. I’m glad I checked the reviews first, I don’t always do it.

bill
Guest
bill
Right on brother. They tried to gyp me too after I did an online sign up. Seems they said I didn’t have a cat exam before I signed up. Some 3 weeks went by and the person on the phone kept saying my vet was not good because he didn’t keep detailed vet notes. Go argue with him I said. He’s been a vet for 40 years. Then a guy called and before he could say no coverage I told him I had the hard copy of the exam prior to signing up. He gave up. When I had a… Read more »
Jason
Guest
Jason

I had them. Good luck getting them to actually cover anything.

Kate
Guest
Kate

I was talking to a friend over the weekend and she casually mentioned how she has pet plan insurance for her dog! I had just been researching pet insurance for my dog and was happy to hear she is satisfied with PetPlan's insurance plan. She mentioned she also gets a free newsletter along with the insurance called "fetch" in the mail which is a great bonus. I think I am going to purchase PetPlan now thanks again for providing the review! 

Jason Mevorah
Guest
Jason Mevorah

This is a standard review this company does to combat negative reviews.

a clever canine
Guest
a clever canine

I am doing pet insurance insurance and was happy to find this review as I was leaning towards PetPlan anyway. I am still new to buying pet insurance and am curious if the rates vary based on state and/or breed? I wonder if there is a "family plan" too for multiple pets – similar to humans. I just got a new puppy as an early Christmas gift so this is all so new to me but learning as I go. 

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