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Overall Score

LAST UPDATED: November 21st, 2022

Petplan is dedicated to providing pet parents with the support and resources they need to keep their pets happy and thriving. For every Petplan policy sold, Petplan donates to the Best Friends Animal Society® Save Them All® campaign to help find pets their forever home. Petplan also donates $15 to the Morris Animal Foundation in memory of pets who have passed on.

Petplan’s innovative approach to pet insurance has gained recognition from the following companies:

  • The Communicator Awards: 3-time winner for excellence in marketing and communications
  • Ernst & Young Entrepreneur of the Year Award: Winner of Greater Philadelphia Retail and Consumer Products Category
  • SmartCEO’s Future 50 list
  • Forbes’ Most Promising Companies (three years in a row) 
  • Inc. Magazine: List of 500 fastest-growing companies

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The Good

  • Annual or Per-Condition Deductible
  • Paperless Claims
  • Free Quote Tool

Annual or Per-Condition Deductible

Most pet insurance providers offer an either/or deductible (annual or per-condition). Petplan offers both to make it easier on pet parents and provide financial flexibility. The annual deductible is applied once per policy term to all the covered conditions. A per-condition deductible is applied to separate conditions during the policy term. There are pros and cons to either, but allowing members to choose shows that Petplan considers its customers.

Paperless Claims

Filing a claim with Petplan is exceptionally user-friendly and simple. Pet owners can go to any licensed veterinarian in the United States or Canada whenever their pet has an accident or unexpectedly falls ill. The customer then submits a claim via the app for iOS or Android and will be reimbursed within 5-14 days*.

*Petplan’s terms and conditions state that claims will be paid within 30 days of receiving a complete claim submission (all required medical records, invoices, and signed claim form) However, Petplan boasts that they pay claim typically within 5-14 days.

Free Quote Tool

Potential members can easily find out what their monthly premiums could be by filling out the free quote form. Simply, fill out your pet’s name, dog or cat, breed, and age and enter in the zip code, and an email. Instantly, pet owners will be taken to a page where they can view different plan options and prices. The rates will vary depending on the provided information. However, customers can choose from three plan options*.

Basic Plan

  • $5,000 annual coverage
  • $500 annual deductible
  • 80% reimbursement
  • Accidents, injuries, illnesses
  • Non-routine veterinary exam fees
  • Diagnostic treatments
  • Cancer treatments
  • Prescription medication
  • Surgery and rehabilitation
  • Imaging – Xray, MRI, CAT scan, ultrasound
  • 24/7 Petplan customer support
  • 24/7 veterinary assistance via PetCoach
  • Dental (non-routine)
  • Alternative therapies
  • Referral and specialist treatment

Recommended Plan

  • $15,000 annual coverage
  • $300 annual deductible
  • 80% reimbursement

The Recommended plan includes many of the same benefits as the basic plan. However, there are a few additional benefits:

  • Loss due to theft or straying
  • Advertising and reward
  • Boarding kennel fees
  • Behavioral therapies
  • Death from illness or injury
  • Vacation cancellation

Premier Plan
The Premier plan has all the same benefits as the recommended plan, plus the following benefits:

  • Unlimited annual coverage
  • $250 annual deductible
  • 80% reimbursement

If none of the plan options work for a member, there is a “Customize” tool, so members can alter the plans to their specific needs.

*All Petplan pet insurance policies cover accidents, illnesses, veterinary exam fees, as well as, hereditary conditions like hip dysplasia and chronic conditions like arthritis.


The Bad

  • No Wellness Plan
  • Pre-Existing Conditions

No Wellness Plan

Pet owners looking for policies that include wellness packages or routine care, will have to look elsewhere. Along with the no wellness package, there is no option to add elective surgeries to a plan. This includes the procedures like spay and neuter, de-clawing, dew claw removal, prophylactic gastropexy, ear cropping,or tail docking.

Petplan policies are meant for unexpected vet bills for injury or illness.

Pre-Existing Conditions

Like most other pet insurance companies, Petplan does not cover pre-existing conditions. Simply, if a pet has or had any conditions, whether diagnosed by a veterinarian or not (before enrolling in a Petplan insurance policy), it is considered a pre-existing condition.


The Bottom Line

Petplan is great for customers looking for a pet insurance policy that covers the vet bills for unwanted and unanticipated situations. The free quote tool is helpful for pet owners looking to see what their monthly premiums will be and what they are paying for. Coupled with the paperless claim process, it brings peace of mind to worried pet parents.

However, Petplan is not for those looking for wellness packages or elective procedures. Petplan does not offer any additional add-ons to their policies.

Pets of any age and breed are accepted, and the plans seem to have extensive coverage. Overall, Petplan is transparent with what the plans include and exclude, making it easier for pet parents to select a plan that works for them and their pet.

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