PetPlan Review - Logo

Cost (Dogs):

 

Min. $20/month

Cost (Cats):

 

Min. $20/month

Network:

 

Any licensed vet in US or Canada

Mobile App:

 

Android & iOS

Editorial Rating

PetPlan Review - Logo

Editorial Rating

Petplan Review

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Cost (Dogs):

 

Min. $20/month

Cost (Cats):

 

Min. $20/month

Network:

 

Any licensed vet in US or Canada

Mobile App:

 

Android & iOS

Waiting periods:

 

15 days for injuries and illnesses, 6 month exclusion on hip dysplasia, cruciates, and patellas

Customer service:

 

24/7 support via mail, email, fax, phone

PetPlan Review - Logo

Editorial Rating

Petplan (also known as GoPetplan) is considered to be one of the few pet insurance providers with no upper age restriction. This is one of the reasons it is among the top pet insurance picks for older pets. The extensive coverage offered is also suitable for puppies and kittens.

Our article about Petplan reviews its policy, focusing on the advantages and disadvantages – to help you make an informed decision when choosing the right insurance provider for your pet.

What Is Petplan Best for?

What makes Petplan stand out is the fact that its cat and dog insurance policy covers certain expenses that aren’t typically included in pet insurance plans.

For example, Petplan reimburses non-routine dental treatments, the costs of advertising and rewards for stolen pets, boarding kennel fees if you are hospitalized, non-refundable vacation costs if your pet gets injured or is ill (terms apply), etc.

Is Petplan Legit?

Petplan’s North American branch was founded in 2003. It’s a sister company of Petplan UK, which was founded in 1976.

The policies are administered by Fetch Insurance Services, LLC and underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company in the U.S.

Petplan Coverage

Petplan’s insurance policy covers the following:

  • Accidents, injuries, illnesses
  • Diagnostic treatments (only necessary testing)
  • Veterinary exam fees
  • Prescription medications (up to a 90-day supply at a time)
  • Imaging – MRI, CAT scan, ultrasound
  • Cancer treatments
  • Dental treatments (non-routine)
  • Surgery, rehabilitation
  • Holistic therapies
  • Referral, specialist treatment
  • Fees for behavioral disorders caused by an underlying medical condition ($1,000 coverage per policy term, does not apply to obedience training)
  • Up to $1,000 in boarding fees if you are hospitalized
  • Advertising and rewards for stolen pets
  • Vacation cancellation (terms apply)

According to Petplan’s terms and conditions, a vet exam is required within 6 months prior to the policy’s effective date. If your pet hasn’t been examined, then you must arrange an exam within 30 days of your policy’s effective date, at your own cost. Any conditions or signs of a condition discovered during this first exam will be considered pre-existing. A dental exam is also required 60 days prior to the policy’s effective date.

Another condition of this pet health insurance policy is having annual health checks and dental exams. Many of the negative Petplan reviews were written by pet owners who weren’t aware of the terms and conditions of the policy. As they hadn’t taken their pet for a first exam and/or annual check up, their claims were denied, and they were left to foot the bills on their own.

Lastly, pet owners must visit a vet within 48 hours of noticing signs of an illness and injury. Petplan claims need to be submitted within 90 days in order to be eligible for coverage. Clients also have the option to request pre-authorization of claims.

Petplan Limitations

Petplan health insurance does not cover:

  • Routine & wellness care
  • Preventive care
  • Pre-existing conditions
  • Cosmetic procedures
  • Liability coverage

Petplan does not cover pre-existing conditions, routine and preventive care, elective surgeries, spaying, neutering, cremation, etc. Teeth cleaning is also not covered. However, Petplan does cover dental injuries and diseases.

How much Does Petplan Insurance Cost?

The cost of animal insurance varies depending on multiple factors, such as:

  • Age
  • Breed
  • Location (veterinary costs in your area)
  • Annual coverage
  • Type of deductible
  • Reimbursement level

The Petplan deductible is customizable and can range between $250 and $1,000.

As for the maximum annual payout, you have the following options:

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

The reimbursement level ranges from 70% to 90%.

You can lower your premium by choosing a lower payout limit and reimbursement level, and a higher deductible.

The most affordable plans start at $20 per month.

Petplan also charges a transaction fee for each monthly and quarterly payment. The fee is waived for annual payments. There is no enrollment fee.

Petplan Customer Service

Customer service can be contacted via live chat, phone, email, mail, and fax. The Customer Care Center is available 24/7.

Claims can be submitted using the online account portal or the Petplan app, available on both Android and iOS devices.

Petplan User Reviews

Petplan reviews are mixed – as is the case with most insurance companies. We will sum up the positive and negative sides mentioned in Petplan reviews, focusing on its strengths and weaknesses.

First, let’s see how Petplan pet insurance ranks on popular review sites.

Petplan’s claimed Trustpilot page has the best overall rank, followed by the Petplan reviews on Yelp. While the Yelp page has been claimed, we didn’t notice any official employee responses to the Petplan insurance reviews left on Yelp. The reviews on the company’s Consumer Affairs page tend to vary between very satisfied and very dissatisfied. In aggregate, all three sites still give the company rather middling scores.

When it comes to the Better Business Bureau, Petplan reviews submitted in 2020 have very low scores. Despite this, Petplan is BBB accredited and retains an A+ rating.

The Positives

As is always the case with pet insurance, the clients leaving the best reviews are the ones whose pets had serious medical issues, leaving them with hefty bills that the insurance provider reimbursed. In their positive Petplan insurance reviews, customers praised the claims process and mentioned that they were happy with how fast they were reimbursed. According to clients, the online portal and the app are easy to easy, and Petplan reimbursed them in a timely manner.

There was even a positive Petplan insurance review from a client whose premium had increased and who was asked to provide additional medical records to support his claims. Despite all this, the pet owner was satisfied with his insurance policy – he felt he got his money’s worth.

The Negatives

Most of the Petplan insurance complaints concerned the premium increases. Clients had their premiums increase by around 50% in a year.

We looked up Petplan reviews on Reddit, and the most recent one was from a client whose premium increased by a staggering 73%.

Unfortunately, he’s not the only one stuck in this type of situation. Other Reddit users pointed out that all pet insurance providers start off with lower monthly premiums and then increase the costs if clients submit a lot of claims or if the pet gets older. Petplan is no exception to this.

The issue is that long term clients felt they were being punished for being loyal customers. Pet owners, who had Petplan insurance for years and had already spent a lot of money, regretted not putting the money into a savings account. First, because it is nearly impossible to switch to a competitor and get an affordable rate; older pets have health issues that will be excluded from the new policy. Secondly, some clients had paid thousands for their policies, only to have expensive claims denied.

Regrettably, some clients had to drop their Petplan policies as they could no longer afford them.

Is Petplan the Best Pet Insurance?

Compared to competitors, Petplan’s coverage is quite extensive, and it is all included in one policy. Some pet insurance providers have the option to purchase extra coverage, so the cost would be in the same range. You can also customize your policy in order to align the costs with your budget.

To find out if Petplan is the right insurance provider for you, get a personalized quote from the GoPetplan website and compare it with other pet insurance providers.

Petplan vs Trupanion

Petplan and Trupanion are similar in that they both offer customizable plans, with the difference that Trupanion offers a Recovery and Complementary Care Rider and a Pet Owner Assistance Package at an additional cost, whereas Petplan has included them both in one policy.

In our test quote, Trupanion’s policy was a few dollars cheaper, though Trupanion charges a $35 enrollment fee.

Here is a quick pet insurance comparison:

Minimum age requirement: 6 weeks vs from birth
Upper age restriction: none vs 14 years
Waiting period: 15 days for illnesses and injuries (6 months for hip dysplasia) vs 5 days for injuries, 30 days for illnesses
Exam fees: covered vs not covered
Policy transfer: only in certain cases vs allowed

For a more detailed comparison, make sure to check out our Trupanion review.

Petplan vs Healthy Paws

Healthy Paws is among the top-rated pet insurance providers in the USA, according to many experts reviewing best dog insurance providers or best cat insurance providers.

It even has the pet owners’ seal of approval: in almost all discussions on the best pet insurance provider on Reddit, Healthy Paws comes out at or near the top.

The company offers unlimited coverage and boasts that it processes 99% of all claims within two days.

The only aspect where Petplan outshines them is the coverage. Healthy Paws doesn’t cover exam fees or lost pet costs.

If you are interested to learn more about Healthy Paws, have a look at our review.

Wrap Up

The Petplan policy is perfect for pet owners who prefer a simple policy that covers all types of pet-related expenses. The claims processing using the app is simple, and Petplan reimburses in a timely manner.

Pros

  • 24/7 support
  • Customizable plan
  • Pre-authorization of claims
  • No upper age restriction
  • Covers non-routine dental treatments
  • Claims can be submitted using an app
  • Can pay the vet directly, if the clinic agrees
  • Exam fees for injuries and illnesses are covered

Cons

  • Vet exam required
  • Annual health checks required
  • Payment processing fees for monthly and quarterly payments
PetPlan Review - Logo

Editorial Rating

FAQ

What is Petplan?

Petplan USA is a pet medical insurance provider. The company is a subsidiary of Petplan UK, and it offers pet insurance coverage for cats and dogs.

Can you cancel Petplan at any time?

You can cancel your policy at any time by contacting the support team. If you cancel your policy within the first 30 days, you may be entitled to a refund - as long as you haven’t submitted any claims. If you cancel after 30 days, you can only get a prorated refund. If you have canceled your policy and want to enroll again, you will need to complete a new application. The new waiting period will apply, and any conditions prior to the new application will be considered pre-existing.

Does Petplan cover dental work?

Petplan covers dental injuries and dental illnesses. Teeth cleaning is not covered.

Does Petplan pay out?

Judging by Petplan insurance reviews from consumers, Petplan only reimburses claims if everything is in accordance with the terms and conditions of the policy. This means that all the necessary documents need to be submitted within 90 days. In addition, you need a vet exam six months prior to the policy’s effective date or 30 days after. All of the conditions or signs of conditions recorded during this exam will be excluded from coverage. Lastly, Petplan requires annual health checks.

Does Petplan offer discounts?

Petplan offers discounts to veterans, active-duty military members, and registered medical services pets.

Is Petplan worth it?

When it comes to pet insurance, most people would agree that it is worth it if you enroll while your pet is young. This is due to the fact that no pet insurance provider covers pre-existing conditions. Puppies and kittens also get lower rates. As for whether it is worth it, we looked into multiple pet insurance reviews to find out what pet owners are saying about their experience. We mainly focused on the pet insurance discussions on Reddit, as it was easier to determine that the reviews were genuine. Pet owners that were paying into their policies for less than three years and ended up with vet bills costing them thousands of dollars felt it was worth it. On the other hand, some pet owners were paying their premiums for years, and either hadn’t submitted a claim ever or had their claims rejected. Naturally, the ones with rejected claims regretted not putting the money into high-interest savings accounts. In the end, it all depends on your individual financial situation. Pet insurance adds up over the years. However, if your puppy or kitten needs costly medical care that you wouldn’t be able to afford on your own, it would be nice to have a safety net. Pet owners who gave excellent Petplan reviews mentioned that they couldn’t have afforded the treatment otherwise. And pet owners that complained about their policy mentioned that they could no longer afford it. It’s up to you to research the illnesses your pet is prone to and calculate whether insurance would be worth it for you.