PetPlan Pet Insurance Review

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PetPlan Pet Insurance is one of the best-known pet insurance companies in America and is a licensee of PetPlan UK, which is the oldest and largest provider of pet health insurance in the world. They offer inclusive plans for low costs, and have top of the line customer service support.
PetPlan Pet Insurance is one of the best-known pet insurance companies in America. They offer inclusive plans for low costs, and have top of the line customer service support. #pets #insurance #cats #dogs
PetPlan is a pet insurance company with a strong brand name and few restrictions. It is ideal for pet owners looking for flexibility and reputation.

  • Quick reimbursement
  • Mobile app
  • Wide range of coverage
  • Extra fees
  • No wellness add-on
  • Deductibles

Plans/Pricing: (Rating: 9/10)

PetPlan Pet Insurance offers plans for cats and dogs. They offer various levels of plans based on deductible, reimbursement level, and annual limit. They cover an increasing amount of injuries and illnesses with progressive annual limits. For dogs, monthly premiums range from $25/month  to $40/month. For cats, owners can expect to pay around $18/month to $25/month. The coverage that PetPlan provides for these prices is the best in the industry.

Waiting Period: (Rating: 8/10)

Upon enrollment there is  a 5 day waiting period for accidents/injuries, and a 15 day waiting period for illness. There is also a 6 month waiting period for cruciate and knee problems that can be waived with a vet checkup of the knees and specifically if they are listed in full good health overall.

Availability: (Rating: 9/10)

PetPlan insurance is available in all 50 states, as well as in the District of Columbia. This is great for those looking for flexibility when traveling and/or someone who moves a lot as there is no need to purchase new coverage for your pet.

In fact, coverage even extends to a few Canadian provinces.

Exclusions: (Rating: 7/10)

Non-curable pre-existing conditions, cancer, pregnancy and alternative therapies are excluded with PetPlan. Dental care is also excluded except when it is due to an injury.

Claims/Deductibles: (Rating: 8/10)

PetPlan gives multiple options for your deductible amount – you can select a deductible from $100 to $1,000(based on $50 increments). You can select a reimbursement level of 70%, 80%, or 90%.

Payouts/Limits: (Rating: 8/10)

PetPlan has annual limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited/no annual limits. These limits are based on yearly renewals, since PetPlan does not have lifetime limits.

PetPlan takes great pride in repaying claims as quickly as possible. They guarantee payment within 30 days of receiving a complete claims submission, and often are able to able to reimburse clients in as little as 5-14 days.

Extras: (Rating: 5/10)

PetPlan does not offer any extra add-on plans. In their own words, they say that “data shows that routine care coverage can artificially inflate premiums for all policyholders and can represent poor value for the policyholder”. For this reason PetPlan chooses to not offer routine coverage.

Ease of Enrollment: (Rating: 8/10)

Enrolling your pet with PetPlan can be done completely online and takes only minutes. All that is required of you is to input your pet’s stats, choose a plan, and then fill in your billing and mailing information.

Customer Service: (Rating: 9/10)

Customer service for PetPlan is available 24 hours a day, 7 days a week. They can be reached toll free at 1-866-467-3875 or e-mailed directly from the contact page on their website Not only that, but they also have a live chat option online that allows an employee to immediately answer any questions that you may have.

Pricing and Details

Pricing varies based on breed, age, geographic location, and the size of your pet. For example the following is an example of just one plan set for dogs:

  •  $39.52 – 2 year old Medium Sized Mixed Breed dog from Minnesota, unlimited annual limit, $200 deductible, 80% reimbursement

Pricing for cats is not influenced by size. Here is an example of one plan option for a cat:

  • $22.17 – 2 year old Domestic Shorthair cat from Minnesota, unlimited annual limit, $200 deductible, 80% reimbursement.

Contract Type
Monthly, quarterly, annually

Enrollment Age
6 weeks and up



$100 – $1000(based on $50 increments)

PetPlan will not increase your premiums as a result of filing claims.

PetPlan has annual limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited/no annual limits.

Special Coverage
Behavioral therapy and holistic care like acupuncture and chiropractic treatments are included with PetPlan.


Pricing and Claim Info

Price Range for Dogs: $23 to $40 per month

Pricing Rage for Cats: $20 to $22 per month

Pricing Based on: 2 year old mixed breed, with $200 deductible and 80% reimbursement level

Multiple Pet Discount: None

Money Back Guarantee: 30 Days

Type of Deductable: Annual

Reimbursement Based on: : Reasonable and Customary Charge Limits

Online Claim Submittal & Processing

Enrollment Age Minimum: 6 Weeks

Enrollment Age Maximum: None

Effective Date: Day after purchase.

Waiting Period - Illness: 15 Days

Waiting Period - Accidents: 5 Days

Waiting Period - Heredity/Congenital/Other Conditions: 15 Days

Coverage: Both In-State & Out of State, Plus Canada

Claims Cause Policy Increase?: No

Contract Type




Help and Support


Live Chat


Benefits/Statements Online

Annual Deductables











Per Incident Deductibles

Reimbursement Levels




Per Incidence Limits

No Limits

Annual Claim Limits







No Limits

LifeTime Claims Limits

no limits

Covered Animals




Spay/Neuter: No

Exam Fees: Yes



Congenital Conditions: Yes - if not pre-existing condition

Wellness Coverage: No help

Dental: No, except for trauma

Pregnancy: No

Special Coverage: Yes help

Prescription Drug Coverage: Yes

Alternative Therapies: Yes

Behavioral Issues

Who is This Insurance Plan Ideal For?

PetPlan is best suited for owners who want pet insurance from a trusted and respected company that offers great customer service and cost-effective plans.

What We Like

Quick Reimbursement
PetPlan guarantees reimbursement in a maximum of 30 days, and usually is able to pay back claims within 5 to 14 days of submitting a claim. This is very quick and helps owners get back the money they deserve as fast as possible.

Mobile App
Mobile apps make it easy to submit claims and manage your account on the go, so that you and your pet are ready for life’s emergencies.

The coverage PetPlan offers is vast compared to many pet insurance plans. Their list of exclusions is smaller than other companies, and they even extend coverage to some congenital diseases, cancer, and pregnancy.

What We Don't Like

Extra Fees
PetPlan charges an extra fee of $2.95 per pet per month.

No Wellness Add-ons
PetPlan does not offer any sort of wellness add-on that covers routine care. They claim that this is to keep premiums low, yet almost all other pet insurance companies are able to offer optional wellness coverage while maintaining competitive prices.

Deductibles vary and are determined per visit, per condition as opposed to meeting your deductible once a year as with most health insurance plans.


PetPlan offers exceptional coverage with a brand name to back it up. With coverage extending throughout the United States, pets are covered out of state as well as in Canada. 24/7 customer service and mobile apps make accessibility easy. As well, high annual limits, and no lifetime limits, means that customers will never have to worry about exceeding coverage. There are some limits to their coverage however, such as not providing routine wellness care. Even without that though, PetPlan offers some of the best plans in the industry for a low cost, making them one of the top choices for providing pet insurance in the country.

7.9 Total Score
Strong brand, few restrictions.

PetPlan Pet Insurance is one of the best-known pet insurance companies in America and is a licensee of PetPlan UK, which is the oldest and largest provider of pet health insurance in the world. They offer inclusive plans for low costs, and have top of the line customer service support.

Waiting Period
Ease of Enrollment
Customer Service
  • Quick reimbursement
  • Mobile app
  • Wide range of coverage
  • Extra fees
  • No wellness add-on
  • Deductibles

PetPlan Review

PetPlan Pet Insurance

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Lynn is the founder and chief editor at She is responsible for strategy and business development. Her background is in software development, marketing, and project management. She loves camping, traveling, and all things soccer related. She has been married for over 30 years to one great guy and has two adult children. Lynn is also the human companion to two cats - Jynx and Spanky. She is based in Minnesota, USA.

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