I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 19, 2022

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PetPlan is a reputable pet insurance company that can provide coverage for your pet. However, several of their competitors may offer more coverage for a comparable price.

To understand if PetPlan is the right insurance company for you, we examined their policy plans and coverage options, sample quotes and market pricing, their application and claims process, and more.

For more information on PetPlan, check out our full review below.

About PetPlan Insurance

PetPlan-pet-insurance-logoPetPlan is a pet insurance company that was originally founded in the U.K. and launched in the U.S. in 2003.

Headquartered in Philadelphia, PetPlan is the preferred pet insurance provider for the American Animal Hospital Association and the exclusive pet insurance provider for AARP members.

All PetPlan policies are underwritten by XL Specialty Insurance Company, which is a reputable underwriter in the industry.

PetPlan provides straightforward, comprehensive coverage for cats and dogs. Under PetPlan policies, you can receive coverage for accidents and illnesses as well as chronic conditions, hereditary or congenital diseases, and diagnosis and treatments.

In addition to providing protection for your pet, PetPlan also has several charitable endeavors. They have a charity arm that supports homeless vets and humane veterinary research.

They also donate a portion of each policy’s sale, and renewal is donated to shelters, humane societies, and rescues.

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What PetPlan Covers

One of the most important aspects of pet insurance is determining what the policy covers and what it does not cover.

Under the core PetPlan policy, you will receive coverage for the following:

  • Veterinary exam fees
  • Diagnostic treatments
  • Prescription medications
  • Surgery
  • Cancer treatments
  • Non-routine dental treatments
  • Rehabilitation
  • Imaging such as MRI and CAT scans
  • Behavioral and alternative therapies
  • Referral and specialist treatment

You will also receive coverage for hip dysplasia as long as there are no signs or symptoms within the first six months of coverage.

What PetPlan Does NOT Cover

PetPlan does not cover pre-existing conditions, bilateral conditions, routine and wellness expenses, liability, or cosmetic and elective procedures.

PetPlan defines a pre-existing condition as “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.”

They also make a distinction between curable vs. non-curable pre-existing conditions.

*PetPlan covers curable pre-existing conditions after 365 days.

Benefit Limits

PetPlan offers coverage limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, and unlimited.

As with all pet insurance policies, you will receive a lower premium with a lower limit.

However, you should always pick the annual limit that best suits your budget.

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You can also choose a deductible of $250 to $1,000 with reimbursement rates of 70%, 80%, and 90%. This can also influence your monthly premium payment.

Deductibles are a way to take some of the risk-off of the insurance company, so a higher deductible will result in a lower premium payment.

Non-emergency specialists are reimbursed at 80%, no matter what your overall reimbursement rate is.

Enrollment Requirements

Pets must be at least six weeks old to enroll in coverage. There is no upper age limit for coverage.

Your pet will receive coverage throughout the United States and Canada.

If your pet contracts an illness outside of the US or Canada, this will not be covered.

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Waiting Periods

Like most pet insurance companies, PetPlan implements waiting periods before coverage kicks in.

Policyholders must wait the standard 15 days to receive coverage for accidents and illnesses and six months to receive coverage for cruciate and patella conditions.

The six-month waiting period can be waived if your pet is examined by a vet, and the vet notes that there is no indication of any knee problems.

PetPlan does have some specific fine print when it comes to receiving coverage.

You must take your pet to the vet within 48 hours of noticing symptoms of illness or injury. Otherwise, PetPlan may not cover veterinary costs.

Pets also must have annual checkups in order for coverage to apply. If they do not, PetPlan may withhold coverage until you take your pet in for a checkup.

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Additional Coverages

Despite this, PetPlan offers some unique additional coverages on policies of $15,000 annual limits or more.

This includes:

  • Cost of advertising and reward for lost or stolen pet
  • Cost of boarding your pet at a kennel while you’re in the hospital as a result of accident, illness, or injury
  • Reimbursement for the price of the pet if the pet dies or is euthanized during policy period due to injury or illness
  • Reimbursement for travel costs that you cannot recover if you have to cancel a trip due to a pet’s illness or injury that shows up within 7 days of your departure date

Finally, PetPlan has a unique Covered for Life guarantee. This means that PetPlan will never terminate your coverage based on claims history or because your pet is sick.

Claims Process

PetPlan does not implement any lifetime or per condition claims limits.

This is good if your pet suffers from a chronic illness or injury.

They also reimburse veterinarians directly, which can prevent you from having to pay the full bill upfront.

Like many pet insurance companies, PetPlan has a certain time limit on when you must submit your claims.

You must submit claims within 90 days of treatment to receive reimbursement.

Claims payment may take up to 30 days but are typically paid within two weeks of submitting complete claims online or through the app.

PetPlan Cost

The average cost of coverage is $29 per month for dogs and $18 per month for cats. Based on sample quotes, PetPlan’s prices are higher than competitors.

Of course, the cost of your policy is dependent on a number of factors including breed, age, location, health conditions, and more.

If you would like to know what PetPlan will cost you each month, you can easily quote a policy on their website.

How To Apply

It only takes a few minutes to apply for a PetPlan policy online. First, you will need to provide your pet’s name, breed, age, and your location.

From there, PetPlan will offer you three policy tiers; the most affordable plan, the most popular plan, and the plan that offers the most reimbursement.

You can also choose to customize your coverage, deductible, and reimbursement level to get your ideal policy premium. If you choose to purchase a policy, it will go into effect at 12:01 a.m. EST the day following your purchase.

PetPlan charges a $3.50 transaction fee on every payment. The quote that you get online will include this transaction fee.

If you pay your premium on an annual basis, PetPlan will waive the transaction fee.

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PetPlan Discounts

PetPlan offers a series of discounts to their policyholders.

Here are some of the discounts that you can qualify for if you purchase your pet insurance through PetPlan:

  • 5% discount for purchasing coverage online
  • 10% discount for micro-shipped pet
  • 10% discount for medical service animals
  • 10% multi-pet discount after first pet
  • 10% discount for veterinarians

In addition to these discounts, PetPlan also offers a “No Claims” discount. For every year that your pet goes without a claim, you can earn up to a 15% discount on your policy premiums.

This discount maxes out at 30%. This means that your premiums can decrease over time if your pet goes without an accident or illness.

PetPlan Company Review & Customer Service

Ratings are a good way to determine a company’s standings with its customers and financial bureaus.

Luckily, PetPlan has high ratings with various bureaus and financial organizations.

BBB Rating

PetPlan has an A+ rating from the BBB under its incorporated name, Fetch Inc.

This indicates that they have a good relationship with their customers and deliver on their promises as a company.

A.M. Best Rating

They also have an A+ rating from A.M. Best, which determines an insurance company’s financial strength.

This shows that they can pay out claims when a policyholder files for them.

PetPlan Customer Service

PetPlan also has a great customer service model. Their customer service team is available 24 hours a day.

You can call, email, or live chat them for assistance with your policy.

They also have an app for iOS and Android devices, which can help you contact the customer service team and oversee claims process.

PetPlan Contact Information

  • Telephone: 1-(855) 531-0345
  • Live chat on the website