Petplan Pet Insurance Review

Petplan's happy dogs and catsPetplan is a pet insurance company that provides coverage for dogs and cats. Founded in 1976 in the U.K., it entered in the U.S. market in 2002. Today, Petplan is the largest pet insurance provider in the world, and thus our top pick for The Most Popular Pet Insurance Provider. Read the rest of our Petplan review to see if this is the best option for your pet.

Overview

Plans

Petplan’s plans insure pets of all ages and cover accidents and illness, as well as dental disease, hereditary conditions and even routine vet exam fees.

Charitable Component

Petplan partners with Best Friends Animal Society, a nationwide animal rescue and advocacy organization. For every policy sold, Petplan donates to the Best Friends Animal Society’s Save Them All campaign, which helps adoptable pets find their forever homes.

Pros

A Petplan ad featuring a Jack Russel Terrier; Petplan Pet Insurance review

  • 24/7 customer care: If you ever have a question about your policy or an urgent need, Petplan’s customer service team is available 24 hours a day, seven days a week.
  • Alternative therapy: Not all pet insurance providers cover alternative therapies, but Petplan does. Stem cell therapy, acupuncture, chiropractic treatment and homeotherapy are all covered when the treatments are recommended and administered by a licensed vet.
  • “A+” BBB rating: A positive BBB rating is another good Petplan review. This positive rating shows that Petplan cares about their customers. Their rating is under their incorporated name, Pets, Inc.
  • Charitable Component: Petplan partners with Best Friends Animal Society, a nationwide animal rescue and advocacy organization. Petplan donates to the Best Friends Animal Society’s Save Them All campaign. This project helps pets find forever homes.
  • Covers fees associated with canceled vacations due to pet illness or injury: Petplan goes above and beyond with some of its policies, and it’s “canceled vacation policy” is one of them. They understand that pets are part of the family. If your pet is sick, Petplan knows you won’t want to leave them and go on vacation. Therefore, Petplan helps cover any fees you may incur for canceling your travel plans.
  • Discounts: Petplan provides a five percent discount if you purchase your pet insurance plan online.
  • Easy-to-use app: While some people may prefer paying their bills by mail, most of us enjoy paying them online. This helps us take care of things as effortlessly and quickly as possible. Petplan’s easy-to-use app makes filing claims as simple as possible.
  • Fast claims payments: Claims are typically paid within 5-14 days (but can take as long as 30 days).
  • Hip dysplasia is covered: Hip dysplasia is one of the most common hereditary conditions found in large dogs, and most pet insurance companies don’t cover it. Petplan covers hereditary conditions such as hip dysplasia as long as there were not any symptoms before your dog was enrolled under Petplan or during the waiting period.
  • Lost pet fees are covered: If your pet becomes lost, Petplan will help you do whatever it takes to find them. Petplan will help cover the cost of signage, as well as a reward.
  • No lifetime or per condition claims limit: No lifetime or per condition limits mean your claims won’t be capped at a certain point should your pet become too ill or sick too often.

Cons

  • Can be significantly more expensive than competitors: Depending on what type of pet you have, your pet’s age, and your city of residence, Petplan may be more expensive than the competition. We recommend getting quotes from a few providers and making your decision. Keep in mind though that price isn’t everything, and Petplan offers benefits that other pet insurance providers do not.
  • CLL/ACL Limitations: Petplan will only cover CCL (ACL) treatment on a second leg if the first leg remains healed for 12 months
  • Delayed claims payments: Petplan states that all eligible claims will be paid within 30 days, but there are customers have left Petplan reviews that say claims have been delayed. That being said, Petplan does have an A+ BBB rating. These complaints are worth mentioning, but they have not affected the company’s non-biased customer satisfaction score.
  • No wellness plan: Wellness plans are what cover routine and preventative veterinary care. Most pet insurance companies either don’t have a wellness plan or require additional fees for one. If this is something you require in your pet’s insurance coverage, Petplan is not the best provider for you.
  • Premium increase is higher than competitors: This is cause for concern, but again is a risk you take with any pet insurance company. Some pet insurance companies guarantee they won’t raise your monthly premiums due to your pet’s age, but they cannot guarantee it will not increase due to inflation or other factors.
  • Veterinarians say Petplan requires more busywork: You want to keep your vet happy. While Petplan’s claims process is simple for the pet owner due to the easy app submission process, that is not the case for vets. Petplan requires all claims to have medical record documentation and vets’ initials, unlike competitors. Hopefully, this is something that can be improved soon, so that vets can give positive Petplan reviews in the future.
  • You must take your pet to the vet within 48 hours of noticing symptoms: If you notice your pet is ill or injured, we hope you would take your pet to the vet immediately. However, this a requirement of Petplan. If your pet is injured or sick and you do not take them to the vet within two days, your pet will not be covered by their insurance.

Product Stats

Petplan review; happy dog running

Joe Caione / Unsplash

  • Claims: Claims must be submitted within 90 days. This can be done on the mobile app or through claim forms. Petplan typically pays claims within 5 to 14 days, but sometimes payments can take up to 30 days to arrive.
  • Discounts: Receive a discount on your premium if you don’t file a claim. Discounts are 2 percent the first year, 4 percent the second year, 6 percent the third year, 8 percent the fourth year, and 10 percent the fifth year.
  • Exams: Vet exams are required to establish your pet’s baseline of health. The exam must be completed 60 days before or 30 days after enrollment. Pets older than six should be seen within a month of the policy start to establish a health baseline. Also, pets need to have an exam 12 months before the policy starts, or any medical conditions found in the next exam won’t get coverage.
  • Underwriter: XL Specialty Insurance Company (XL Catlin). This underwriter has an “A” A.M. Best rating.
  • Waiting Period: The six-month waiting period for patellas and cruciate ligaments can be waived if the pet is examined within 30 days of policy start. In this visit, the vet must confirm that there are no indications of knee issues.

Pre-Existing Conditions

For Petplan, a pre-existing condition is anything that happened or showed symptoms before the policy start date or the policy waiting period. Petplan covers pre-existing conditions that are curable after 365 days.

Features

 

three dogs; Petplan review

Our Petplan review would not be complete without a list of what is and what is not covered by this insurance.

What Is Covered

  • Accidents
  • Alternative therapies
  • Cancer
  • Chronic conditions
  • Dental (non-routine) treatment
  • Diagnostic treatments
  • Emergency care
  • Hereditary conditions
  • Imaging (like MRIs, CAT scans and ultrasounds)
  • Injuries
  • Non-routine veterinary exams and visits
  • Prescription medicines
  • Rehabilitation
  • Specialists
  • Surgery

What Is Not Covered

  • Neutering and spaying
  • Pre-existing conditions
  • Teeth cleaning
  • Vaccines
  • Wellness and routine care

Waiting Periods

To help mitigate fraudulent claims, Petplan enacts a coverage waiting period. This is to prevent someone from enrolling in pet insurance the day their pet is injured.

  • 5 days: Accidents
  • 15 days: Illnesses
  • 6 months: Cruciates and patellas

Costs

petplan pet insurance | puppy with cast on paw

Petplan has several annual coverage limits. The lower the limit, the less you will pay for your monthly premium will be. Options are:

  • $2,500
  • $5,000
  • $10,000
  • $15,000
  • $20,000
  • $25,000
  • Unlimited

Petplan also offers $250 to $1,000 annual deductibles and 70, 80 and 90 percent reimbursements. Your choices will affect your monthly costs.

Sample Rates by Breed

As different breeds tend to have different ailments and injuries, Petplan’s rates vary. Other factors that can cause differences in rates include location and age of your pet. Below are sample rates for common breeds. To get an exact quote for your pet, visit Petplan’s Get Your Quote page.

BreedEnglish Cocker SpanielGerman ShepherdLabrador RetrieverYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age8 years4 years2 years2 months2 months6 years2 years
LocationIllinois
(zip code: 60290)
California
(zip code: 90001)
Florida
(zip code: 33601)
Florida
(zip code: 33601)
New York
(zip code: 10001)
New York
(zip code: 10001)
Washington D.C.
(zip code: 20001)
Price Per Month$105.98$53.69$87.73$27.12$36.02$85.78$34.05
Reimbursement Level70%90%80%80%90%90%80%
Annual Deductible$500$500$250$250$250$250$250

Cavalier King Charles dog licking his lips; Petplan review

Petplan Review Conclusion

In our Petplan review, we found that this company offers more extensive coverage in some areas than its competitors (for example, routine vet visits and dental). However, Petplan is more expensive overall. Looking at coverage for a two-year-old Labrador retriever in Florida with an 80 percent reimbursement level, for example, Petplan’s monthly premium is 77 percent more than Healthy Paws’ plan.

Petplan also has mixed reviews among existing customers and veterinarians. Existing customers have criticized Petplan for increases in premiums and poor customer service. Veterinarians complain that Petplan requires more paperwork on their end than competitors.

Does Petplan seem like the best option for your pet? Get a quote today. Do you have Petplan protecting your pet? Leave a Petplan review below!

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