Petplan Pet Insurance Information: Everything You Need To Know

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General Information
How Much Does It Cost?

General Information


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).

Key Takeaways

Exam fees: Petplan saves you more by covering exam fees when your pet is sick or injured.
Dental care: Petplan covers treatment of dental disease and injury to all permanent teeth.
Holistic care included: acupuncture, chiropractic care, laser therapy, homeopathic medicine and more are covered at no extra cost.
Lets you choose your own vet.
May raise the price of your policy because you file a claim.
Like all pet insurance companies, they cannot cover pre-existing conditions.

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.

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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.

Customer Service


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.

Discount Opportunities


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.

What's Covered


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

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.

Illnesses

The plan covers infections, cancers and other illnesses that are typically not genetic.

Cancer

Coverage includes chemotherapy and radiation treatment.

Breed-Specific Conditions

Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.

Accidents

Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
X-Rays
Ultrasound
Blood Tests
Urinalysis
Exam Fees for a Covered Occurrence
Surgery
Hospitalization
Boarding Fees During Pet Owner Hospitalization

Dental

Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning

Alternative Therapies

The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).

Exam Fees

Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.

Poison

Supplements For Covered Conditions

Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.

Other

Stem Cell Therapy
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Reimbursements for advertising costs for a lost pet.
Reimbursements for offering a reward for a lost pet.
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Foods prescribed by your veterinarian for general health maintenance or prevention.

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.

*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.

Claims Reimbursement


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.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.

Cancellation Information


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.

Pre-existing conditions


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.
A family with pets that are insured by Pawlicy Advisor
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