PetPlan Review

Over 40 years in the pet insurance industry. 24-hour customer support and vet advice. Dog hip dysplasia coverage. No enrollment age limits.


Petplan was originally founded in the UK back in the late 1970s and has since been launched in America as Petplan Pet Insurance in 2003. The company is based in Philadelphia and is underwritten by XL Specialty Insurance Company. Petplan is dedicated to putting pets first and making sure they live longer, healthier lives than ever before.

With 24/7 customer support, a paperless claims process, and no age limits on coverage, Petplan has become the favorite pet insurance option for large organizations like the AARP and the American Animal Hospital Association. Petplan offers flexible pet insurance plan options and provides comprehensive dog and cat health insurance coverage.

Coverage Details

Our Petplan review is going to show you some of their great pet insurance coverage benefits. We’ve gathered up all the info on what’s covered by Petplan for you, so you don’t have to waste your own time when trying to choose the best pet insurance company.

Illnesses and Injuries: Petplan will reimburse you for any vet bills if your pet is injured or becomes ill, even if the medical issue is the result of a hereditary or chronic condition.

Vet Exam Fees: Any examination conducted by a licensed veterinarian will be reimbursed by Petplan, if it’s used to treat or diagnose a covered illness or injury, up to and including emergency or specialty care.

Diagnostic Imaging: If your pet needs an MRI, ultrasound, or CAT scan to be diagnosed or treated by their vet, Petplan will reimburse you for these pricey imaging tests.

Lab Tests: Petplan covers standard and specialized laboratory testing, including bloodwork and full chemistry panels, in an effort to help your veterinarian diagnose and treat your pet.

Prescription Meds: Any medication prescribed by your vet will be covered by Petplan, including nutraceuticals, as long as they’re being used to treat a covered illness or injury.

Cancer Treatment: Petplan proudly provides veterinary oncology coverage, which includes the reimbursement of chemotherapy and radiotherapy for the cancer treatment of your pet.

Non-Routine Dental Care: Any dental treatment that isn’t preventative, such as issues arising from broken teeth or periodontal disease will be reimbursed by Petplan.

Surgery and Rehab: If your pet needs surgery or veterinary rehabilitation while covered by Petplan, you’ll be reimbursed for all treatment and hospitalization costs.

Alternative Therapies: Petplan covers the cost of alternative veterinary therapies, including acupuncture, homeotherapy, and chiropractic treatment, as long as it’s recommended and administered by a licensed veterinarian.

Like all pet insurance companies, Petplan does have some coverage exclusions you should know about. What’s not covered by Petplan pet insurance includes pre-existing conditions, routine care, or elective procedures.

Plan Rates & Sample Quotes

Petplan offers competitive pet insurance rates and even provides discounts of up to 10% to veterinary and military personnel, as well as members of the AARP, the National Police Dog Foundation, and the Best Friends Animal Society.

Monthly premiums start at just $16 for both dogs and cats, and unlike every other pet insurer we’ve encountered so far, Petplan also offers an exclusive “No Claims Credit” discount to policyholders that go 12 months without filing a claim.

Petplan makes getting a free online pet insurance quote quick and easy. But in case you want to get a good overview of what you can expect your Petplan monthly premium to be, we’ve gathered up some sample policy quotes for you.

Domestic Shorthair Cat: 1 year old, Male, Florida (32818) covered for $26.65 per month.

Golden Retriever: 3 years old, Female, Illinois (60007) covered for $78.46 per month.

French Bulldog: 6 years old, Male, California (94102) covered for $177.08 per month.

German Shepherd: 2 years old, Female, New York (10003) covered for $86.10 per month.

Please Note: All sample policy quotes come with a 90% reimbursement rate, a $250 annual deductible, and unlimited yearly coverage.

Reimbursements & Deductibles

Petplan offers the industry-standard reimbursement percentage rates of 70%, 80%, or 90% of your pet’s total vet bill. You can choose which rate works best for you and your budget and customize the cost of your monthly premium by choosing the lowest reimbursement rate.

After you’ve met your annual deductible, you’ll send Petplan the paid veterinary invoice, and they’ll reimburse you for any treatments or diagnostics that are covered under your pet insurance plan. And most Petplan claims are paid out quickly, thanks to a paperless process.

Reimbursement Structure: Actual Cost

Minimum Reimbursement: 70%

Maximum Reimbursement: 90%

As with the best pet insurance companies, Petplan allows you to choose the amount of your annual deductible, in an effort to help you customize your coverage and monthly premium. You can pick a deductible ranging from $100 to $1,000 to make sure your pet insurance coverage is the right financial fit for you.

Deductible Type: Annual

Minimum Deductible: $100

Maximum Deductible: $1,000

If you choose a higher reimbursement rate and a lower deductible, be prepared to pay more each month for Petplan, just as you would with any insurance company. But going this route will also mean that you bet a bigger claims payout, and Petplan just might end up being the right choice for your pet insurance needs.

Enrollment & Waiting Periods

Maybe you’re asking yourself, “Should I enroll my pet in Petplan?” When shopping for pet insurance, you need to take your pet’s age and any standard coverage waiting periods into account, in order to make sure you get the best value.

Petplan enrolls puppies and kittens beginning at 6-weeks-old and has no age limits, so you can get crucial health insurance coverage for older dogs and cats. They also offer short waiting periods and cover accidents or illnesses as soon as 5 days after you sign your pet up.

Dog hip dysplasia treatment can be one of the most expensive pet health care costs you’ll ever encounter, which is why we were so impressed with Petplan covering this debilitating joint disorder within 2 weeks of enrolling your pup.

Accidents Waiting Period: 5 days

Illnesses Waiting Period: 15 days

Hip Dysplasia Waiting Period: 15 days

Cruciate Ligament Waiting Period: 6 months

Petplan is a great choice for young and old pets alike, thanks to short waiting periods and no limitations on the age of enrollment for dogs or cats. If you’re worried about pet emergency care for your furry friend, Petplan just might be the best pet insurance for you.

Claims & Customer Support

Unlike many other pet insurance companies, Petplan offers their customers 24/7/365 support via phone, email, or live chat client on their website. You can get your questions answered and any pet insurance concerns addressed anytime and anywhere you need.

Petplan also offers quick and easy pet insurance claims processing by both fax or email. You can also download the Petplan mobile app for iPhone or Android to speed up the claims process even further. Most Petplan claims are paid out within 5 business days from being filed.

With 24-hour support from an expert pet insurance team and instant access to your pet’s health insurance policy and claims, Petplan is one of the easiest and most user-friendly options on the market. You won’t have to wait to speak with someone about your pet’s healthcare needs or to get reimbursed for their medical care.

Pet Owner Opinions

As a part of our Petplan review, we wanted to see what actual pet owners had to say. We turned to Facebook, Yelp, and Trustpilot to get some real info from Petplan pet insurance customer reviews. Here’s what they had to say…

The quality of any insurance can be judged by how they respond to claims. Well, I can honestly say I couldn’t have wished for a better response since our beloved your pet was hit by a car. Petplan has been absolutely fantastic. From handling my initial call when I was quite upset, to submitting numerous hospital and vet bills for post-emergency treatment reimbursement, which was very promptly paid in full (less deductible and coinsurance), then subsequent pre-approval for major surgery at a different hospital. This company has OUTSTANDING customer service, just pick up the phone! They are there for you and very caring. There was a CARING person on the end of the phone any time I wanted help working through things AND considering all this happened over the holidays, I consider the reimbursement checks were paid promptly. Very affordable premiums too. Joanna L, Facebook 1/12/19

At an early age, my dog suffered symptoms that I would not have expected. I was scared for my baby, my world was turned upside down, and I had to come up with nearly $5,000 just for the diagnosis. Thankfully, I have PetPlan Insurance. I had an upcoming vacation and wanted to have my refund back in time for me to blow it on the cruise. The checks arrived 2 days before I left for my vacation. Thank you very much, Petplan! JM, Yelp 11/7/18

I am so thankful for Petplan! My dog has gone to the ICU and has had 4 surgeries on her legs since 2015. Without PetPlan, she may not have made it this far, and even if she did, her quality of life would be much lower. Petplan coverage is worth every penny! They’ve saved me THOUSANDS of $$. Petplan has allowed me to provide the care for my pets that is best for them. And EVERY time I call with a question, their customer service representatives are patient, kind, and helpful – especially Jordyn S. I HIGHLY recommend Petplan! IC, Trustpilot 1/11/19

The Good

As with all of our editor reviews, we put Petplan through its paces, so you don’t have to waste your time or money while looking for the best insurance coverage for your pet. The following are some of our favorite Petplan pet insurance benefits…

Coverage from Pet Experts

Petplan was started by veterinary professionals and their team is still made up of top experts in the pet healthcare field. With more than 40 years in the pet insurance business, Petplan has millions of pet parents that trust their four-legged family member’s to the company’s care with comprehensive and knowledgable protection.

Pet Insurance with Heart

The team at Petplan is made up of animal lovers that want to help as many pets as they can in as many ways possible. That’s where their philanthropic initiative, Petplanthopy comes into play by making regular donations to animal shelters, pet rescues, and human societies throughout America. When you purchase a Petplan policy, you can feel good in knowing part of your money is going to help pets in need.

24/7 Veterinarian Advice

Every Petplan policyholder not only gets around the clock customer support but they also gain access to PetCoach, an online portal for veterinary advice. You can reach a vet 24/7 on the PetCoach website or mobile app and ask them your most pressing health questions about your pet, as well as keep tabs on pet medical records and upcoming vet appointments.

Superior Senior Pet Care

Unlike other pet insurance companies, Petplan not only enrolls pets of any age, but they also encourage pet parents to get coverage for senior pets. If you have a dog or cat in their golden years, Petplan is one of the few pet insurance providers that will help you get the peace of mind that comes from knowing your older pet’s medical needs won’t put you into debt.

The Bad

When testing out Petplan for ourselves, we discovered that pets must see a vet within 48 hours of any symptoms of an injury or illness. While that may seem a bit annoying, it’s also the best practice for the health of your pet, so we weren’t bothered by this requirement at all.

Petplan also requires that your pet has annual health and dental checkups in order for them to remain covered. But again, this is the best practice when it comes to your pet’s health, so why penalize Petplan for requiring it?

The Bottom Line

Even with a couple of requirements to meet before you can be reimbursed for your pet’s medical care, Petplan ranks as one of the best pet insurance companies, in our opinion. They provide pet parents with in-depth coverage for their dogs or cats, and there aren’t any enrollment age limits.

If you want to keep your pet happy and healthy, especially if you have an older four-legged family member, we highly recommend enrolling them in Petplan. You’ll get 24-hour support and expert advice, quick claims processing, and be able to feel good in knowing that your policy premiums are going to help pets in need.

Get 24/7 support and advice from pet insurance experts by signing up for Petplan today!

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