Petplan Pet Insurance Review

By | 2019-01-24T14:23:30-05:00 June 2nd, 2018|Pet Insurance|0 Comments

Servicing more than a million pet owners in the United States and Canada, Petplan is one of the top pet insurance companies relied on by pet owners who are looking for injury or illness insurance coverage for their pets. Petplan offers several coverage options that can help you to get just the right coverage for your type of pet, and for the needs of your family.

Important Information About Petplan:

  • Petplan does not offer coverage for routine care
  • Petplan offers customizable coverage for illness, accident, and injuries
  • Petplan covers dogs and cats, but does not cover exotic animals or birds
  • On average, prices range from $28 to $57 per month
  • Deductibles from $100 to $1,000
  • Annual limits from $2,500 to Unlimited
  • 5-day waiting period for accidents, 15 day waiting period for illnesses
  • 70% to 90% reimbursement available

It’s important to recognize that Petplan does not offer coverage for routine care (ex. dental cleanings), and that includes wellness checks as well as the vaccinations and neutering that you may need for your family’s pet.

The costs that you could expect to see with your Petplan insurance policy could vary based upon a few factors. The age and breed of your pet, where you live, your annual deductible, reimbursement level, and annual coverage selection all play a role in just how much you will pay. On average you could expect to pay $28 to $57 a month for your policy, but you’ll find that discounts are often offered if you pay your premium for a year or more at a time.

Here are some sample quote from June 2nd, 2018:

  • $26.23 per month for a New York City based 1-year-old small mixed breed dog (up to 22lb when fully grown) with a $300 annual deductible, 80% reimbursement rate, and $15,000 in annual coverage


While Petplan doesn’t cover routine care and pre-existing conditions, there are some solid benefits to the customizable plans offered by this company.

Unlike some pet insurance policies, and policies for humans, Petplan pet insurance does not require you to select a veterinarian from a list of specific providers. You are free to continue using your current preferred veterinarian, and any other that you may need in the future. This can offer huge peace of mind for those who’ve established a trusting relationship with their vet and vet clinic.

We know there are always going to health-related expenses when we own a pet, and we can adjust our budgets to accommodate the need to vaccinate, do those routine annual visits, and keep our pets on parasite preventatives. It’s those unexpected expenses that can knock us sideways, crush our budget, and even lead us to the need to make some tough decisions.

Petplan insurance offers coverage and reimbursement for a number of injuries, hereditary conditions including hip dysplasia, and illnesses, that can oftentimes sneak up on us. Some of the costs covered could include the full costs of diagnostic or treatment exams for illnesses and injuries; this can include specialty treatment and emergency visits. Diagnostic testing, blood work, ultrasounds and other imaging services are also reimbursable. The costs of medications to treat an injury or illness may also be covered.

Some of the other illnesses tied to high costs that Petplan will cover are cancer care, including chemotherapy. Non-routine dental treatments that include gum disease or work on broken teeth are covered, with some provisions. Some alternative and behavioral health treatments are also covered, so that you can treat your pet with holistic methods that may work best for his needs.

Getting accident and injury coverage for your cats and dogs can help to save you thousands of dollars, and offer endless peace of mind, for the life of your pet. Unlike a wellness plan, which will cover the routine and preventative care your pet needs, Petplan insurance coverage will reimburse you for those unexpected and costly expenses related to injuries and illnesses. Preexisting conditions can’t be covered, which is why it is often suggested that you invest in a solid pet insurance plan when you first bring your dog or cat home with you.

About the Author:

As a pet owner, Kerry has personal experience with pet insurance and all it does and doesn’t cover. With an unbridled passion for the written word, Kerry brings more than 12 years of experience providing the highest quality written work. Kerry specializes in writing about pets, dental health, and medical topics.

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