Petplan Pet Insurance Review

Petplan Pet Insurance 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. In addition, 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 Pet Insurance review to see if this is the best option for your pet.  In addition, if you have a pet, sign up today.


Petplan's happy dogs and cats



Petplan’s plans insure pets of all ages.  In addition, Petplan Pet Insurance 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. In addition, for every policy sold, Petplan Pet Insurance donates to the Save Them All campaign.  The charity, Save Them, helps adoptable pets find forever homes.


Jack Russel Terrier


Petplan is a very solid pet insurance company.  Hence, here are some of the best advantages of Petplan:

  • 24/7 customer care: You might have an urgent need or a question about your policy. Therefore, 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.
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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
  • 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. In addition, 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. Consequently, 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. Importantly, 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.  To summarize, they cover a ton.

What Is Covered

  • Accidents, Alternative therapies, Cancer
  • Chronic conditions, Dental (non-routine) treatment, Diagnostic treatments
  • Emergency care, Imaging (like MRIs, CAT scans and ultrasounds)
  • 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. Consequently, this waiting period is to prevent someone from enrolling in pet insurance the day their pet is injured.


petplan pet insurance | puppy with cast on paw

Petplan Pet Insurance has several annual coverage limits. In addition, the lower the limit is, the less you will pay for your monthly premium will be.  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. In addition, 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.

Petplan Review Conclusion

petting a gray cat

PHOTOCREO Michal Bednarek / Shutterstock

In conclusion, 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.

In addition, here are the best pet insurance options and what you need to know before purchasing a plan.

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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