Petplan Pet Insurance Review

Petplan is a pet insurance company that provides coverage for dogs and cats. Founded in 1976 in the U.K., it entered 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.


Petplan's happy dogs and cats



Petplan’s plans insure pets of all ages and cover accidents and illness, 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 Save Them All campaign, which helps adoptable pets find their forever homes.


Jack Russel Terrier


Here are some of the best advantages of Petplan:

  • 24/7 customer care: Sometimes, you might have an urgent need or a question about your policy. Petplan’s customer service team is available 24 hours a day, seven days a week.
  • A+ BBB rating: This positive rating shows that Petplan cares about its customers. The score is under their incorporated name, Pets, Inc.
  • Alternative therapy: Not all pet insurance providers cover alternative therapies, but Petplan does. It covers stem cell therapy, acupuncture, chiropractic treatment, and homeotherapy. A vet needs to recommend and administer the treatment.
  • Charitable Component: Petplan donates to the Best Friends Animal Society’s Save Them All campaign to help pets find homes.
  • Easy-to-use app: While some people may prefer paying their bills by mail, most of us prefer the convenience of online payments. Petplan’s easy-to-use app makes filing claims and making payments as simple as possible.
  • Fast payments: Petplan typically pays claims within 5-14 days. Sometimes reimbursements will take up to 30 days.
  • Hip dysplasia coverage: Hip dysplasia is one of the most common hereditary conditions found in large dogs. Most pet insurance companies don’t cover it. Petplan covers genetic issues such as hip dysplasia as long as there were not any symptoms before your dog started its insurance coverage.
  • Lost pet coverage: If your pet gets lost, Petplan will help cover the cost of a reward and signs.
  • No claims limit: Your claims don’t have a cap, even if your pet gets sick or injured often.
  • Online discounts: Petplan provides a five percent discount if you purchase your pet insurance plan online.
  • Vacation cancellation coverage: Petplan goes above and beyond with some of its policies. It’s canceled vacation policy is one of them. Petplan helps cover any fees you may incur for canceling your travel plans if your pet is sick and you need to stay home.
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cat and golden retriever

Chendongshan / Shutterstock

Not every company is the best fit for everyone. Here are some disadvantages to be aware of:

  • 48 deadline: To get coverage, you must take your pet to the vet within 48 hours of your pet showing symptoms of an illness or an injury.
  • Busywork for vets: Pet owners find the claims process simple, but vets need to do a lot more work with Petplan. Petplan requires all requests 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.
  • CLL/ACL Limitations: Petplan will only cover CCL (ACL) treatment on a second leg if the first leg stays healed for 12 months
  • Delayed payments: Some customers complain that their reimbursements took longer than 30 days. That said, Petplan does have an A+ BBB rating. These complaints are worth mentioning, but they have not affected the company’s customer satisfaction score.
  • Higher premiums: 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.
  • No wellness plan: Wellness plans cover routine and preventative veterinary care. Petplan does not have this option.
  • Premium increases: Petplan’s increases tend to be higher than competitors’.

Product Stats

Petplan review; happy dog running

Joe Caione / Unsplash

  • Claims: You must submit claims within 90 days on the mobile app or through claim forms. Petplan typically pays within 5 to 14 days, but sometimes payments can take up to 30 days to arrive.
  • Discounts: You’ll receive a discount on your premium if you don’t file a claim. Discounts are two percent the first year, four percent the second year, six percent the third year, eight percent the fourth year, and ten percent the fifth year.
  • Exams: You have to get a vet exam for your pet to establish your pet’s baseline of health. You have to do it 60 days before or 30 days after enrollment. Also, pets need to have an exam 12 months before the policy starts, or any medical conditions found in the next visit won’t get coverage.
  • Underwriter: XL Specialty Insurance Company (XL Catlin). This underwriter has an “A” A.M. Best rating.
  • Waiting Period: Petplan can waive the six-month waiting period for patellas and cruciate ligaments if a vet examines the pet 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.


three dogs on a road

Adobe Stock

Our review would not be complete without a list of what is and is not covered.

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 waiting period is to prevent someone from enrolling in pet insurance the day their pet is injured.

Here are the required waiting periods:

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


petplan pet insurance | puppy with cast on paw

Petplan has several annual coverage limits. The lower the limit is, 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

Petplan’s rates vary based on the breed. Other factors that can cause differences in rates include your location and the 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
(zip code: 60290)
(zip code: 90001)
(zip code: 33601)
(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


Petplan Review Conclusion

petting a gray cat

PHOTOCREO Michal Bednarek / Shutterstock

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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