HomeGuidesPetplan Pet Insurance Review: Best for Accident Coverage

Petplan Pet Insurance Review: Best for Accident Coverage


Pet insurance can come to your rescue in unforeseen circumstances. It allows you to give your pet the best possible care while taking care of your finances. Working on the same principle is Petplan, a pioneering pet insurance service provider. Check out this Petplan Pet Insurance review to determine if this is a good fit for your needs. 

petplan pet insurance logo
Name of Insurance ProviderPetplan Pet Insurance
Year of Establishment2003
Key FeaturesA+ rating from BBB, Hassle-free claims
Coverage Limits$15,000
Waiting Period15 days
Phone Number833-589-7578


One of the biggest pet insurers in the USA, Petplan Pet Insurance covers the costs that are bound to arise when you become a pet parent. Founded in 2003, it has been more than 15 years since Petplan has been in business.

The service provider has helped more than 200, 000 cats and dogs as of today and the number just keeps on increasing. 

Overview of Petplan Pet Insurance


Should you consider taking up a Petplan Pet Insurance policy? Consider these salient features on offer before making a call:  

  • PRICING: The average cost of an insurance starts at $35/month for dogs and $25/month for cats. 
  • FLEXIBLE: Every Petplan policyholder is given the option to customize their plans according to their pet’s unique requirements. 
  • ONLINE RESOURCES: You get access to multiple online resources on pet health, fitness, and well-being. 
  • WIDESPREAD NETWORK: Depending on the structure of the policy, you will be reimbursed when you visit any licensed vet in the US and Canada. 
  • UNPLANNED EVENTS: In case any unexpected event comes up or you need to leave on a last minute work trip, Petplan will bear the cost of boarding for your pets. 
  • NO HIDDEN COSTS: Petplan does not charge any sign up fee or add-on fee to pet parents. 


No insurance policy is all win-win. Let’s glance at a few drawbacks of Petplan Pet Insurance: 

  • SINGLE PLAN: There is only one plan available for all pets. You cannot add any other additional benefits.  
  • NO PREVENTIVE CARE: Petplan does not cover the costs that arise due to preventive care given to pets. 
  • NOT UNIVERSAL: Petplan Pet Insurance plans are only limited to dogs and cats. 

What Does Petplan Pet Insurance cover?

Wondering what is covered by Petplan?

If your pet encounters any accident or becomes severely ill, Petplan Pet Insurance will cover all the unanticipated veterinary bills incurred while getting your pet treated. 

Does Petplan pay vet direct?

If your vet agrees to it, then Petplan offers the provision to pay your vet directly. All they need to do is submit an e-claim. 

TreatmentsIncluded in Plan?
Exam FeesYes
Dental CareYes
Chronic conditionsYes
Preventive careNo
Pre-existing conditionsNo
Diagnostic testsYes
Hereditary conditionsYes
Cancer treatmentsYes
Behavioral conditionsYes
X-ray, MRI scanYes

What’s Included?

Petplan covers a comprehensive list of procedures and treatments under its insurance policy. Up to 90% of your vet bills will be covered for:

  • Accidents
  • Illnesses
  • Boarding fees during adverse conditions
  • Examination fees
  • Homeopathic therapies
  • Acupuncture
  • Chiropractic treatments
  • Dental health checkups and treatments
  • Chronic conditions like diabetes, asthma, cancer, etc. 
  • Any condition that is specific to the breed of the pet

What’s Not Included?

Petplan does not cover the costs for the following:

  • Pre-existing conditions
  • Preventive care
  • Elective procedures 
  • Vaccinations
  • Neuter surgeries
  • Microchipping 

Available Plans

Petplan offers a single plan with no option of adding extra benefits to it. The single plan available covers the costs of treatment due to accidents, illnesses, and various other miscellaneous medical expenditures incurred by the pet. 

Have you ever thought about which Petplan policy is best? Be rest assured. There is only one on offer and that is pretty amazing in itself. 

Plan Pricing 

Different factors like the pet’s age, breed, location, deductible, and reimbursement amount, etc. will determine the monthly premium that has to be paid for the policy. 

Also Read: Dog Vaccine Requirements

Pre-existing Conditions

Petplan also doesn’t cover the cost of medical expenses that are incurred due to pre-existing conditions of a pet. Conditions which were prevalent in the pet before the insurance policy started come under this category. 

However, the limitation concerning a pre-existing condition will be waived off for an illness that does not show any symptoms for 12 months. 

Coverage Limits 

Petplan’s pet insurance offers two different coverage limits. One comes at a price of $5,000, and the other comes at a price of $15,000. In addition to these two options, policyholders have the option of choosing a third, more expensive coverage plan with unlimited benefits. 


The claiming policies laid down by Petplan have to be strictly followed to avail of its benefits. Policyholders must keep the following in mind: 

  • When the pet becomes ill or meets with an accident, a pet must be treated within 48 hours. 
  • Claims can be filled via PetPlan’s app or by downloading the form from the official website.
  • Paid itemized receipts and medical records release form must be included along with the claim. 
  • Within 90 days from the day of treatment you can file your claim.  
waiting period of Petplan Pet Insurance

Waiting Period 

Pet owners have to wait for a maximum of 15 days for the policy to come into effect. In certain cases of pet accidents, the policy may come into effect in a span of 2 to 3 days. To treat a knee condition, a waiting period of 6 months is applicable after enrolling. 

Read Amy E.‘s review of Petplan Pet Insurance on Yelp


When you go through this Petplan Pet Insurance review, you’ll realize how Petplan’s policies have been tailor-made to suit your needs. It prioritizes pet care above anything else.

The company has been around for years, and it knows insurance. That said, countless customers have complained of a poor experience in the recent past. You would want to shop around and explore your options before you choose the right service provider.

Frequently Asked Questions

What is the Cancellation Policy of Petplan Pet Insurance?

Can you cancel Petplan at any time? Yes, you can. If you have not submitted any claims, and cancel the policy within the first 30 days, you will enjoy a full refund. 

At the end of the 30 period, the total paid premium minus the reimbursement rate, or a prorated amount will be refunded.

What Does Petplan Pet Insurance Not Cover?

Petplan Insurance plan does not cover costs that arise due to pre-existing conditions, preventive care, and elective procedures. 

Is There a Waiting Period After Enrollment?

There is a waiting period of a maximum of 15 days after the enrollment. For accidents, the waiting period may be as few as 2 days. 

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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