Petplan Insurance Reviews – Is It Worth It?

petplan insurance reviews

Petplan Pet Insurance is among the most trusted pet insurance providers since it offers the most comprehensive coverage for cats and dogs. Founded in 2003 and based in Philadelphia, Petplan Pet Insurance North America is a sister company of Petplan UK.

Petplan offers a range of coverage and allows its customers to choose reimbursement and deductible rates according to their individual financial situation. Petplan’s insurance is accepted by any licensed veterinarian and you can easily file a reimbursement claim online or through the Petplan app.

In this article, we’ll take a look at Petplan insurance reviews, coverage options, cost, and much more. Continue reading to find out what Petplan has to offer and how to get the most out of its extensive coverage.

Pros & Cons Of Petplan Pet Insurance

Taking into account the online reviews of Petplan Pet Insurance, it’s clear that this company offers excellent coverage policy for cats and dogs. But, before you decide to purchase a premium, take a look at the pros and cons of Petplan insurance:


  • No upper age limit for pets
  • All non-routine vet exam fees are covered in all plans
  • Flexible annual deductibles
  • Online vet visits included at no extra charge (in most states)
  • No sign up fee


  • No multi-pet discount
  • No wellness plan
  • Charges a $3.50 credit card fee for monthly and quarterly payments

Types Of Insurance Offered

As a pet insurance provider, Petplan offers medical insurance for cats and dogs. This company offers extensive illness and injury coverage without restrictions for hereditary and congenital conditions.

It’s worth noting that Petplan requires vet exams to establish your pet’s overall health. The exam must be performed six months before or 30 days after you’ve purchased Petplan insurance.

If your pet wasn’t examined six months before the policy’s effective date, any medical conditions diagnosed on the next vet appointment won’t be covered by insurance.

Keeping the needs of pet parents in mind, Petplan offers:

  • Dog Insurance Policy: Covers expenses resulting from injuries, accidents, and illness
  • Cat Insurance Policy: Provides coverage for accidents, injuries, and illness

How To Get A Quote For Petplan Pet Insurance?

Like all other pet insurance providers, Petplan can give you a quote for what your rate would be if you decide to purchase an insurance policy for your pet. Keep in mind that insurance quotes are always subject to change and will depend on the information you provide.

The easiest way to get a quote for your pet’s insurance rate is to visit Petplan’s website and fill out the online quotation form. In the form, you’ll be asked to provide your pet’s name, age, breed, and location. On the other hand, you can also get a quote by calling Petplan and talking with their customer service representatives.

What Does Petplan Pet Insurance Provider Cover?

When compared to other pet insurance providers, Petplan offers exceptionally comprehensive coverage. Petplan coverage handles all accidents and new illnesses, including hereditary and congenital conditions.

All Petplan’s policies provide up to $1,000 in annual coverage for behavioral treatments, including anxiety disorders, noise phobia, or house soiling. Keep in mind that many other companies have a special clause or don’t cover behavioral treatment at all.

Furthermore, all non-routine vet exam fees, including emergency and specialist visits, are covered in all plans. Although most other companies don’t cover the cost of an exam, Petplan does, thus saving you on average $50 to $250 per vet visit.

What really sets Petplan apart from other insurance companies is their extensive coverage of dental injury and treatment of periodontal disease. With no dental condition limits, Petplan’s coverage will handle the cost of teeth injuries, extractions, periodontal disease, and root canal therapy. 

It’s important to note that Petplan also covers curable pre-existing conditions that are observed up to 365 days prior to the starting date on the policy. A second 365-day exclusionary period applies if the curable pre-existing condition occurs again within 365 days after the start of the policy. However, if the same curable conditions reoccur again during the second exclusionary period, it will no longer be covered by the insurance policy.

While most Petplan reviews rave about the extensive coverage, you should know that you won’t get reimbursement for certain services, including:

  • Wellness and routine care
  • Prophylactic teeth cleaning
  • Preventative care
  • Non-curable pre-existing conditions
  • Elective treatments such as tail docking and ear cropping
  • Pregnancy, breeding, or whelping

How Much Does Petplan Insurance Cost?

The cost of Petplan insurance can vary greatly and depends on several factors such as your pet’s age, breed, overall health, and the area you live in. Generally, Petplan’s premiums for kittens and puppies start at $20 per month but increase to more than $100 for senior cats and dogs.

Petplan also offers a No Claims Credit for healthy pets. Basically, if you haven’t had an insurance claim within a year, you’ll be awarded 2% credit at the next renewal. So, for each 12 months you don’t file a claim, you’ll get a 15% credit, with the maximum of 30% for two consecutive years without a claim.

Like PetPremium Insurance, Petplan allows its clients to customize their insurance plans and choose deductibles, limits, and reimbursements. Petplan offers annual coverage limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited amounts. 

This provider also offers annual deductibles from $250 to $100, and reimbursement rates of 70%, 80%, and 90%. Ultimately, the cost of your monthly premium will be lower if you choose a lower limit, higher deductible, and lower reimbursement. However, it’s always wiser to get the highest possible limit within your budget since you’ll never know how much coverage your pet will need in one year.

Customer Service & Satisfaction

The majority of online Petplan insurance reviews state great things about the company’s customer service and staff. Unlike other competition, Petplan’s customer service can be reached by phone, email, fax, or mail. 

Petplan also gives you an option to submit claims through a free Petplan app or online, which is especially convenient when dealing with a sick or injured pet. Based on Petplan USA reviews, most claims are reimbursed in five to seven business days, especially when submitted online or via the app.

Things To Consider When Purchasing Pet Insurance

Whether you just got a new pet or not, getting pet insurance is a great way to stay covered in the case of a medical emergency. While Petplan offers amazing coverage, you should always research competition before deciding on specific insurance.

Here are a few things to keep in mind:

  • Although it offers extensive coverage, Petplan has costly monthly premiums for older pets compared to the competition.
  • Before buying a premium, always research several different pet insurance companies to get the most value for your money.
  • Make sure you can customize your coverage plan and set the limit, deductible, and reimbursement rates according to your needs.
  • Don’t be afraid to do some research and compare pet insurance companies or ask for quotes.

Is Petplan Insurance Good?

When compared to other pet insurance companies, Petplan has extensive coverage at above-average rates. This provider only offers insurance for cats and dogs, but there is no upper age limit and you can get a policy for your pet regardless of their age.

Petplan is a great option for senior pets that can’t be insured with other companies, otherwise it might be too expensive. If you have ayoung and healthy pet, read Pet Assure reviews and consider their discount plan.

What Makes Petplan Different From Competitors?

Key features that make Petplan stand out from competition are:

  • Awards a claims credit for each claim-free 12-month period
  • Covers the cost of advertising and paying a reward for a stolen or lost pet—up to $1,000
  • The most comprehensive coverage for cats and dogs
  • Covers curable pre-existing conditions

Final Thoughts

Overall, Petplan is a great option if you are looking for exceptional coverage and personalized insurance plans. The added benefits mean a higher premium, so take some time to read Petplan insurance reviews and don’t hesitate to contact the company before you make a final decision.

Petplan Insurance FAQs

Where Is Petplan Insurance Accepted?

If your pet has a Petplan insurance policy, you can take them to any licensed veterinarian in the USA or Canada. After the visit, you’ll need to file the claim within 90 days to get reimbursed for the expenses.

Can You Cancel Petplan At Any Time?

Yes, you can cancel your Petplan insurance at any time by calling Petplan’s customer service or mailing a letter. Keep in mind that if you cancel your insurance after 14 days, you might not be eligible to receive a refund for any premiums you have paid up to the date of cancellation.

Does Petplan Renew Automatically?

Petplan renews all insurance policies automatically. So, unless you want to cancel your policy, the company will renew it at the end of your annual term and you’ll be automatically charged on your renewal date.