What we like:
Discounts for vet professionals
|Monthly Premium||As low as $10 per month|
|Deductible||$250 – $1,000|
|Age Restrictions||Must be at least six weeks old|
*Covers all non-routine veterinary exams.
If you have a dog or a cat, you know keeping your pet healthy can be expensive. Surgeries and other treatments can cost thousands of dollars, especially if your pet develops any chronic conditions. Just as you need health insurance for yourself, it may also make sense to get pet insurance. Petplan insurance offers you the chance to make sure your furry family members can get the care they need paid for.
Petplan pet insurance allows you to pay for coverage for your dog or cat, with policies providing reimbursement for various services including dental and medical therapies. Just as with any other insurance, you’ll pay premiums based on your deductible and coverage. And, when you need to file a claim, you’ll do so through your insurance policy.
This Petplan pet insurance review can help you decide if this insurance provider is the right choice when you’re looking to make sure you can pay for emergency pet care.
In this review:
- Benefits of Petplan Insurance
- Downsides of Petplan Insurance
- What Does Petplan Pet Insurance Cover?
- How Much Does Petplan Pet Insurance Cost?
- Where is Petplan Insurance Available?
- Petplan Customer Service
Petplan Pet Insurance Review
Petplan pet health insurance has been available in the United States since 2001, with the company focused on providing coverage primarily for dogs and cats. Petplan is incorporated under the name Fetch, Inc. and policies are underwritten by XL Specialty Insurance Company. Petplan has an A.M. best rating of A and provides fully customizable insurance plans for pets.
One of the things Petplan pet health insurance is known for is providing comprehensive coverage for care, including dental coverage for oral diseases and injuries. On top of that, you can get a plan that covers behavioral treatment so your pets can be treated for disorders including separation anxiety.
Additionally, Petplan insurance is known for having no age limits. Some providers have an upper age limit for animals they’ll insure but Petplan dog insurance and cat insurance won’t cut you off or deny coverage based on age.
Benefits of Petplan Insurance
There are a number of benefits related to Petplan pet health insurance, including a 5% discount for those who purchase coverage online. That’s an immediate discount. Additionally, Petplan covers exam fees for sick visits, something that might not be available with other providers. Other discounts are available for:
- Having a micro-chipped pet
- Having a medical service animal (such as a seeing-eye dog)
- Enrolling multiple pets
You can also expect to get a 2% discount on premiums for each 12-month period you go without making a claim, up to a maximum 10% discount. Petplan pet insurance also has a solid app that allows you to make claims on your iOS or Android mobile device.
Flexibility is another benefit of Petplan coverage. There are three main tiers of coverage to choose from: bronze, silver, and gold. Various benefits are available depending on the level and coverage limit you select. With this program, you have the ability to customize your Petplan pet insurance policy in a way that fits your needs and your budget.
Finally, Petplan insurance features additional coverage options depending on your plan. Options could include the cost of boarding your pet while you’re sick as well as reimbursing you for advertising a lost pet and paying a reward when your pet is found. You’ll also see claims paid relatively quickly, usually within a week.
Downsides of Petplan Insurance
While there are definitely some advantages to Petplan health insurance, there are also some downsides.
First of all, there have been some consumer Petplan pet insurance reviews that indicate dissatisfaction with recent premium increases. You have to be aware of these issues before you sign up.
Additionally, there are requirements you must fulfill in order for coverage to kick in, such as taking your pet to the vet within 48 hours of injury or illness. If you get Petplan dog insurance, you’re required to have regular health and dental check-ups — and these regular check-ups aren’t covered. You can’t get a wellness plan with Petplan insurance, so regular well visits are entirely out of pocket.
Finally, if you want to make your premium payments with a credit card, Petplan pet insurance will charge you a $3 processing fee.
What Does Petplan Pet Insurance Cover?
In general, Petplan insurance offers lifelong and comprehensive coverage for a number of pet health conditions, including chronic conditions and hereditary diseases. As long as you’re careful about meeting the requirements, you can get diagnostic and treatment costs included in your coverage. On top of that, depending on your plan, you might get access to coverage for alternative therapies (including acupuncture) and behavioral therapies (such as for separation anxiety).
>> Read More: What isn’t covered by pet insurance?
If you get a policy that has an annual limit of at least $15,000, you can get additional Petplan health insurance coverage for such items as:
- Travel reimbursement if you have to cut your trip short to come back and get your pet due to illness or injury
- Advertisement and reward payment for a lost or stolen pet
- Cost of boarding your pet if you’re sick or injured and need a place for your pet to stay
- Reimbursement if your pet is lost or stolen and remains unfound
Additionally, realize that Petplan health insurance makes a distinction between curable and non-curable conditions so you’ll need to check your policy and limits to see what to expect. There are some waiting periods for certain conditions and treatments, and you might have to jump through some additional hoops for pre-existing conditions. You should carefully consider your pet’s situation and decide if some of the waiting periods and delays might cause undue problems for you. However, in some of these situations, Petplan health insurance offers better coverage than you might see with other plans, so shopping around is also important.
All breeds and ages (older than six weeks) of dogs and cats are covered, and you care is covered when provided by any veterinarian in the U.S. or Canada.
Unfortunately, one of the notable coverages missing from Petplan insurance is a wellness plan. You can’t get coverage for preventative visits and regular check-ups. However, with Petplan dog insurance, you’re required to get these check-ups if you want to maintain your coverage.
How Much Does Petplan Pet Insurance Cost?
As with any other health insurance policy, what you pay for pet insurance depends on a number of factors, including:
- Age of your pet
- Breed of pet
- Amount of coverage you select
- Deductible and co-pay you select
- Any pre-existing conditions
- Non-curable vs. curable conditions
In general, Petplan insurance prides itself in providing customizable plans that start as low as $10 per month. You can choose your coverage level, from $5,000 to $25,000 — or can opt for unlimited coverage. Annual deductibles range from $250 to $1,000. You can also choose reimbursement levels between 70% to 90%. The ability to customize your plan allows you to figure out what will best fit your pet’s needs and your budget.
>> Read More: Is pet insurance worth the cost?
Where is Petplan Insurance Available?
Petplan insurance is available in all 50 states and in Canada. You can use coverage from this pet insurance company at any vet in the U.S. and Canada.
Petplan Customer Service
The average rating for Petplan insurance on Pet Insurance Review is 9.2 out of 10.
You can call Petplan at 1.866.467.3875, 24 hours a day. You can also send an email through the Petplan website contact form. Finally, Petplan pet insurance offers live chat on its website.
If you’re looking for comprehensive coverage for illness and injury, Petplan health insurance can be a solid choice. However, if you want a wellness plan, you’ll have to look elsewhere for coverage as Petplan doesn’t offer this type of protection.4.33 Petplan Pet Insurance