Petplan Pet Insurance Information: Everything You Need To Know
Petplan is the largest pet health insurance provider worldwide and has been operating in the U.S. since 2006, with policies administered by Fetch Insurance Services, LLC. Chris and Natasha Ashton of Fetch Inc. were awarded the exclusive license for the Petplan brand in North America in September 2003 as the sister company to Petplan UK (founded in 1976).
Petplan is a pet insurance provider founded to protect animals and their families from life’s most unexpected moments (and unexpected vet bills). Similar to health insurance for humans, Petplan offers flexible pet insurance policies that cover the cost of medical treatment for unexpected illnesses and injuries.
Petplan’s goal is to provide “tooth-to-tail” protection for pets from when they’re born to their senior years and beyond.
They further this goal by partnering with AARP, National Police Dog Foundation, North Shore Animal League America, and Morris Animal Foundation, amongst others, to improve pet welfare throughout the United States.
What kinds of pets are eligible for Petplan pet insurance?
PetPlan offers dog insurance and cat insurance plans to cover unexpected veterinary bills and treatment costs for injuries, illnesses, and other health issues. All domestic dogs and cats in the U.S. and Canada are eligible for Petplan’s coverage (though certain breed-specific risks and pre-existing conditions may be excluded).
How Much Does It Cost?
Pet insurance prices for Petplan Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare Petplan to other leading pet insurance brands for free.
The cost of Petplan’s pet insurance varies based on your pet’s age, breed, location, and the reimbursement options of the policy you select. The average monthly premium begins at $20 and goes up to over $100 depending on unique factors.
Plans with low deductibles, high annual limits, and low co-pays cost more in monthly premiums but offer a more robust financial safety net for when your pet needs veterinary care.
Use Pawlicy Advisor to guarantee the best price, and compare Petplan to other leading pet insurance brands for free.
What makes Petplan pet insurance worth it?
You can’t predict when your pet will need treatment, and U.S. families spend over $18 billion a year on veterinary care.
Petplan covers exam fees for injury or illness (a perk that can save you $50-$250 on average per visit) where as many other providers won’t cover the cost of the veterinary exam to treat or diagnose your pet.
Additionally, Petplan lists a “curable exclusionary period” of 12 months - which means some curable pre-existing conditions can be covered after the exclusionary period! This benefit alone makes their costs worth it for any who have curable existing conditions.
They’re also one of the oldest providers with 42 years in business.
How does the price compare to other plans?
Petplan’s total monthly premium tends to be a bit more expensive than other options.
However, you should factor in the perks mentioned above as well as benefits such as homeopathic & alternative therapies, and comprehensive periodontal disease coverage. You can use Pawlicy Advisor to find and compare a range of Petplan coverage options with context on why they’d be recommended for you.
Important Information to Know About Petplan Pet Insurance
How good are Petplan pet insurance reviews?
As of 2020, Petplan has an average rating of 4 out of 5 on Trustpilot (from 425 reviews).
*Keep in mind that reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation you can use Pawlicy Advisor’s free policy scanner.
What to know before investing in Petplan pet insurance
- You must take your dog to the vet within 48 hours of noticing symptoms of an injury or illness for coverage to apply.
- Payment for claims will be delayed until you submit an invoice from your vet.
- Dogs must have an annual dental and health checkup for coverage to apply.
- The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
- Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
- Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
- The age at which your pet is first eligible to be insured.
- If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
- Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
- Geographical regions where incurred expenses will be covered by the insurance provider.
- Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.
When should you consider insurance for your pet?
The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.
Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.
Premium customer support is at the heart of Petplan’s core values. A customer service team provides 24/7 support for pet owners and veterinarians through phone, email, and live chat. Members also get a free membership to PetCoach, where pet owners may find access to veterinary experts and pet medical records.
- Hours of availability for the company's sales department.
- Email address of the company's sales department.
- Phone number of the company's sales department.
- Hours of availability for the company's veterinary services department.
- Email address of the company's veterinary services department.
- Phone number of the company's veterinary services department.
- A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.
Coverage under Petplan policy includes prescription medication for life, including all brand names like Denamarin®, Atopica®, and Rimadyl®. This is contingent on a veterinarian prescribing medication as a treatment for a behavioral disorder, covered injury, accident, or illness.
However, Petplan does consider spaying and neutering as elective surgery.
List of treatment and conditions covered by Petplan Pet Insurance plans
Use Any Vet
Supplements For Covered Conditions
Prescribed Foods + Medication
*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.
What's Not Covered
Petplan doesn’t cover the cost of a related treatment associated with rupture or damage of luxation of the patellas, cruciate ligaments or soft tissue disorders of the knee where the first signs appeared six months before the insurance coverage is in effect. They also do not cover physical harm from normal activity.
Like other pet health insurance plans, Petplan does not cover pre-existing conditions - however, certain curable pre-existing conditions are eligible for coverage 12 months after the condition was cured.
To file a claim, log in to your account panel, print a claim form, complete, sign and submit via email or through the Android or IOS app.
What information do you need to submit your claim?
- Completed claim form
- Paid itemized receipts
- Medical records release form for the past two years
How long might it take for your claim to be reimbursed?
If your paperwork is in order, there’s a waiting period of 30 days from the date when Petplan receives your claim. However, most pet owners who wrote reviews on Petplan insurance say the company pay the reimbursement within 5-7 days.
To submit your claim, the following information is needed:
Visit a vet within 48 hours after first noticing clinical sign(s) related to an illness or injury. Mail or submit electronically by including your name, description of your pet, policy number, description of claimed illness or injury, an itemized veterinary invoice and proof of payment showing (1) the treatments administered; (2) the fees charged; and (3) receipt showing zero balance due after payment.
To cancel your pet policy, contact Petplan at 1.844.251.5462. If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. After 30-days, you’ll be refunded at a prorated amount or the total premium you’ve paid minus your re-enrollment fee where it's applicable.
Below is their official cancellation policy:
You may cancel this policy at any time. Petplan will return to you the unearned portion of any premium paid. If you notify Petplan within the first thirty (30) days from the start date, and you have not submitted any claim against this policy, Petplan will refund the entire premium.
Petplan has continuous coverage over the lifetime of a pet so long as a pet owner does not commit fraud or file a misrepresentation of the facts.
Again, while Petplan doesn’t offer a specific plan that covers pre-existing conditions, certain curable pre-existing conditions are eligible for coverage 12 months after the condition was cured (as long as there is no recurrence of clinical signs within that waiting period).
The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is Petplan Pet Insurance latest definition:
A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.