Petplan Insurance Review: Is It The Most Comprehensive?

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Pug outside with bone in mouth (caption: Petplan insurance review)Petplan is among the most reputable pet insurance companies due to its outstanding customer service and excellent coverage. However, competitors have stepped up in recent years, offering more coverage for less money.

Why do we think Petplan still deserves your consideration as a pet insurance provider? Read our review to see why you might choose Petplan, especially if you’re signing up as a new customer or adding a new pet.

Visit Petplan’s Website | Call: 800-237-1123

Article Overview


4.3 / 5
Policy Coverage 4.8
Customer Service & Reputation 4.3
Timeliness of Claim Payment 4.5
Price of Policy 3.8


  • No claims credit (15% discount for each consecutive 12-month policy period without a claim, up to 30% max discount)
  • No lifetime or per condition claims limit
  • BBB rating: A+ (under its incorporated name, Fetch, Inc.)
  • Claims are typically paid within 5-7 days although it allows up to 30 days
  • App available to support claims via iOS and Android
  • Covers the exam fees for sick visits ($50-$250 on average)
  • Covers advertising lost pets, losing your pet, cancelled vacation due to pet illness, etc.
  • Offers a 5% discount for users purchasing their insurance plan online
  • Your pet is covered when they travel with you in the U.S. or Canada


  • No multi-pet discount
  • For coverage to apply, you must take your dog to the vet within 48 hours of noticing symptoms of an illness or injury
  • Several policyholders complain that Petplan delays payment on claims (often due to a short upfront waiting period as a new customer) and requires an invoice from your vet
  • Dogs must have annual health and dental check-ups in order for coverage to apply. Failure to do so may mean your dog won’t get insurance coverage until that checkup is done.
  • Only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months (if your pet received treatment for a cruciate or soft tissue injury to one knee before policy inception, then the other knee is automatically excluded)
  • Sample quotes were higher than competitors
  • No wellness plan available
  • $3.50 credit card processing fee for monthly and quarterly payments

2 yellow dogs in grass (caption: Pet Insurance Reviews)Alternatives To Petplan

While Petplan has a lot to offer, it did not make it into our top 3 picks for best pet insurance providers. Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies.

Petplan App Screenshots

Key Features

  • Underwriter: XL Specialty Insurance Company
  • Offers a bilateral exclusion (a condition or disease that affects both sides of the body) for injuries/conditions of cruciate ligaments — if one side were pre-existing the policy would exclude the other if injured
  • Must submit claims within 90 days following treatment via the mobile app, fax, email or mail
  • PetVetDirect reimburses the veterinarian directly
  • Claim repayments may take up to 30 days but are typically paid within 5 to 14 business days for complete claims submitted via the app or online
  • 30-day free look period (similar to a money-back guarantee)
  • No claims credit: For each 12-month period between renewal offers that your pet goes without a paid pet insurance claim reimbursement, Petplan will apply a 15% No Claims Credit to your policy premium, up to a 30% maximum total credit. So your premiums might actually decline over time.
  • Policies of $15,000 annual limit or more offer additional coverages:
    • The cost of advertising and paying a reward for a stolen or lost pet
    • The reasonable cost of boarding your pet at a licensed kennel or cattery while you’re in the hospital as a result of your own sickness, disease or bodily injury
    • Reimbursement for the price you paid for your pet if your pet is stolen or goes missing during the policy period and is not found
    • Reimbursement for the price you paid for your pet if your pet dies or has to be put to sleep by a vet during the policy period, as a result of injury or illness
    • Reimbursement for any travel and accommodation costs you cannot recover if you have to cancel or cut short a vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to 7 days before you leave, and as a result requires immediate lifesaving vet treatment
  • Discounts available for: animal shelter or humane society, corporate group benefit plan, medical services, strategic partner, veterans and serving military, veterinary clinic staff and students

Note: Walmart Pet Insurance is managed by Petplan. Walmart is not an insurer, but is marketing pet insurance on behalf of Petplan, the company that will service policies. If you wish to get a quote for a Petplan policy, we’d recommend buying directly through Petplan to eliminate the middle man.

Exam Period

Petplan requires vet exams to establish your pet’s baseline of health.

  • Must occur within 6 months before or 30 days after enrollment for any age animal
  • If your pet hasn’t had a vet exam within 60 days prior to the policy’s effective date, any medical condition(s) observed or recorded during the next vet exam will be excluded from coverage

Pre-Existing Conditions

Defined by Petplan as:

A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.

Petplan covers curable pre-existing conditions after 365 days. From Petplan’s policy:

There is a 365-day exclusionary period for any curable medical condition that is observed, recorded, or identified up to 365 days prior to the original inception date of the policy or during the waiting period. A second 365-day exclusionary period will apply if the curable medical condition reoccurs within the first 365 days after the original inception date of the policy. If the same curable medical condition reoccurs during the second exclusionary period, then it will be excluded from coverage for the life of your pet.

Customer Service Hours

  • Email, live chat and phone: 24/7

Waiting Periods

Petplan Pet Insurance Waiting Period ChartXL Specialty Insurance Company issues all new Petplan policies. Below are the waiting periods for these policies.

  • 15 days: Illnesses
  • 15 days: Accidents
  • 6 months: Cruciates and patellas
    • Can be waived if a vet examines your pet within 30 days of policy issuance and the vet notes explicitly that there’s no indication of any knee problems. From Petplan’s policy:
      • If your pet has received treatment or has shown clinical signs of a cruciate or soft tissue injury to one knee prior to the effective date of this policy or during the first 6 months of this policy, where no certificate of knee health has been provided as described in section V. h., then the other knee is automatically excluded from coverage.

What Does Petplan Cover?

Services included are not limited to this list and are subject to change.

Covered by PetplanNot Covered by Petplan
Injuries & accidentsWellness & routine care
IllnessPreventative care
Non-routine veterinary exam fees & sick visits, including specialists and emergency careProphylactic teeth cleaning
Dental coverage for oral disease and injuries – including periodontal disease, extractions and advanced treatments such as root canal therapyNon-curable pre-existing conditions
Behavioral treatment – including anxiety disorders such as travel and separation anxietyElective treatments e.g., tail docking, ear cropping (not recommended by a veterinarian to treat or diagnose an injury or illness)
Hereditary and chronic conditionsBreeding, pregnancy, whelping or treatment of offspring
Imaging (X-ray, MRI, CAT scan, ultrasound)
Diagnostic treatment
Prescription medications
Cancer treatment
Surgery & rehab
Alternative, holistic and homeopathic treatments
Curable pre-existing conditions

Is Hip Dysplasia Covered?

Petplan covers hereditary conditions, such as hip dysplasia, as long as there were no signs or symptoms before the policy or during the first 6 months that the policy is in effect.

Price Quotes

Schnauzer Dog laying on pile of moneyetplan has annual coverage limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited. The lower the limit you select, the lower your monthly premium will be. However, we always recommend getting unlimited or the highest level possible within your budget because you never know what illnesses or injuries your pet may experience in one year.

Petplan offers $250 to $1,000 annual deductibles and 70%, 80% and 90% reimbursements. The higher your deductible and the lower your reimbursement, the lower your monthly premium will be. There may be more options available based on your unique circumstances so be sure to reach out to Petplan by phone at 800-237-1123 to explore possible customized plan options.

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions and more. Below are some sample quotes we’ve obtained from Petplan. Quotes are from December 2019.

BreedLabrador RetrieverEnglish Cocker SpanielGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age2 years8 years4 years6 years2 months2 months2 years
(zip code: 33134)
(zip code: 60290)
(zip code: 90001)
New York
(zip code: 10001)
New York
(zip code: 10001)
(zip code: 60290)
Washington D.C.
(zip code: 20001)
Price Per Month$81.39$110.00$65.67$95.84$40.04$24.28$32.57
Reimbursement Level80%70%90%90%90%80%80%
Annual Deductible$250$500$500$250$250$250$250
Annual LimitUnlimitedUnlimited$2,500$15,000$15,000$5,000Unlimited

You can get personalized price quotes for your pet(s) from reputable companies, including Petplan. You can also visit our pet insurance quotes page to see how the cost of Petplan stacks up against the competition.

Transaction Fees

Petplan charges a $3.50 transaction fee for every monthly or quarterly payment. The quote given online includes this fee. There is no transaction fee for annual payments.

Coupon Code

Use coupon code CYBER20A to receive up to 10% off + $35 Visa Gift Card if you sign up online. Alternatively, call 800-237-1123 if you prefer to speak to a person.

Reimbursement Story

American Golden Retriever in grass

When her mother injured her back and landed in the hospital, Delaney, a 5-year-old Golden Retriever, took out her stress on the holiday décor. A belly full of garland later, Delaney needed X-rays, emergency surgery and medication to save her life. Luckily, Delaney’s family had pet insurance and could say yes to the care their precious pup needed to make a full recovery.

  • Treatment Cost: $3,409
  • Petplan Reimbursed: $2,568
  • Final Cost For Pet Parents: $841

Customer Reviews

Want to know what real customers think? Read these positive and negative Petplan reviews for a better understanding of its customer service.

Positive Reviews

Petplan has been has been pretty amazing with my claims. I have a frenchie who has been insured with them since she was a puppy. Thankfully I didn’t have to use it until she turned 7. She got a horrible case of pneumonia and they reimbursed me a very large sum of money and did it incredibly fast. Hopefully they keep this up. In addition i had an amazing experience with their customer service. His name was byron guinyard. He stayed on the phone with me for about an hour going over all my options and was incredibly knowledgable and helpful. If it wasn’t for petplan I would not have been able to afford the care that my dog needed so I am thankful for them! – Lea M., Yelp 11/21/2019

I have a 3 year old cocker spaniel who has been unlucky in his short life and needed veterinary help in the form of both medical and surgical procedures. Petplan have been helpful if I needed help in completing a claim. They always deal promptly and payment is made swiftly through my bank account Their staff are always polite and pleasant and express their care about my dog and myself showing they understand how upsetting it can be when a pet is unwell. I would always recommend them to anyone. – Patricia B., TrustPilot 12/6/2019

Negative Reviews

I’d suggest staying away from this company. I filed a claim for our pup when she was having issues with glands. We had insurance with them from day one, 1st vet check up was clean on day one. Petplan is refusing to pay for the issues saying they were pre existing. How’s that when we had insurance from day one of a puppy and a clean bill of health from day one? Company use to be good but has definitely taken a turn for the worse since my last pup. I’d recommend looking for other pet insurance company’s. Our vet even said Petplan Pet Insurance – North America has been bad over the years. – Bill B., Yelp 11/18/2019

I have had pet insurance with Petplan for 5 1/2 years for my rescue dog Dexter. I have not made any claims during that time. I have paid them thousands of pounds. My dog then had to be treated for chocolate poisoning. Petplan refused to pay out until they had a full vet history from my current vet and my previous vet (from over 4 years ago). What possible relevance is the vet history to an incidence of chocolate poisoning. Avoid this company. – Jeff L., TrustPilot 12/5/2019

Do I Really Need Pet Insurance?

Pet insurance helps reduce out-of-pocket expenses 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 peace of mind when they do happen.

Worried about what your dog’s eating when you’re not looking? Perhaps Petplan can help you feel more protected. Check out the video below of how Petplan saved Spike’s mom from paying out of pocket for his surgeries and therapy.

Petplan vs Other Companies

See what the key differences are between Petplan and other leading pet insurance companies.

Petplan vs Healthy Paws

  • Petplan has a shorter 15-day waiting period for hip dysplasia, while Healthy Paws is 12 months.
  • All Healthy Paws plans include unlimited claim limits, while Petplan offers claim limits ranging from $2,500 to unlimited.
  • Healthy Paws averages a 2-day claim repayment, while Petplan average 5 to 14 business days.

Compare Petplan and Healthy Paws

Petplan vs Pets Best

  • Petplan’s underwriter (XL Specialty Insurance Company) has an A rating A.M. Best, while Pets Best’s underwriter (American Pet Insurance Company) is unrated.
  • Pets Best has a shorter 14-day waiting period for hip dysplasia, while Petplan is 6 months.
  • Pets Best was consistently among the least expensive when we ran quotes, while Petplan was more towards the middle or high end.

Compare Petplan and Pets Best

Petplan vs Trupanion

  • Petplan pays out claims within 5 to 14 business days on average as opposed to the 60 days Trupanion allows.
  • Trupanion has a shorter 30-day waiting period for hip dysplasia, while Petplan is 6 months.
  • All Trupanion plans include unlimited claim limits, while Petplan offers $2,500 to unlimited claim limits.

Compare Petplan and Trupanion

What’s Our Final Verdict On Petplan?

Visit Petplan’s Website | Call: 800-237-1123

Although Petplan’s pricing is higher on average compared to several top pet insurance providers, we think Petplan’s unlimited annual coverage is tough to beat and certainly worth considering. We’re also impressed with its stellar claim repayment reputation, which averages 5-14 business days.

Ultimately, whether you pick Petplan for your pet is up to you; however, here at Canine Journal, we always advocate some form of insurance. See how Petplan stacks up against other pet insurance companies in our comparison article.

Why are you considering Petplan?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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.
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