Petplan Pet Insurance Review 2024 (2024)

Petplan insurance policies include coverage for expenses such as:

• Injuries such as a skin laceration or fractured bones
• Illnesses such as urinary tract infections or vomiting
• Dental illnesses
• Vet exam fees
• Acupuncture
• Imaging and ultrasounds
• Diagnostic testing
• Hydrotherapy
• Surgery and rehabilitation
• Emergency care and hospitalizations
• Behavioral therapy
• Cancer treatment
• Chiropractic care
• Advertising and reward for lost or stolen pets
• Medically necessary boarding fees
• Vacation cancellation fees if you have to stay home due to a sick pet

Some of the expenses not covered under a Petplan insurance policy are included below. Shop around on Forbes Advisor’s list ofbest pet insuranceif you aren’t seeing coverage that fits your needs.

• Pre-existing conditions
• Wellness and preventative care costs such as vaccinations or routine exams
• Costs arising from breeding, pregnancy or nursing
• Experimental treatments
• Elective procedures such as tail docking, declawing, or spaying or neutering
• Food (including food prescribed by a veterinarian)
• Grooming
• Time and travel expenses to vet appointments
• Injuries or illnesses that arise out or racing, fighting, commercial guarding, or any occupational, professional or business use

Generally, pet insurance policies apply a waiting period to your plan, which is the amount of time you must wait before your coverage begins to reimburse you for health-related expenses. Petplan has several waiting periods, including:

• 15-day waiting periods for accidents
• 15-day waiting periods for illnesses
• Six-month waiting periods for cruciate ligament issues, patella issues and hip dysplasia

Petplan’s 15-day waiting period for accidents is longer than you could find with other pet insurance companies. For example, Embrace and Lemonade have accident waiting periods of two days and Figo has an accident waiting period of one day. Most pet insurers we analyzed have a 14-day waiting period for illnesses, so Petplan is only one day longer.

If your pet is prone to health conditions like cruciate ligament issues and hip dysplasia, you may find Petplan’s six-month waiting period to be too long. If that’s the case, look to insurers like ASPCA pet insurance, Many Pets and Trupanion, which do not have waiting periods for these conditions.

Maximum annual limit options: The cap on the reimbursem*nt your insurer will pay in a given year is known as the annual coverage limit. Petplan has the following options:

• $5,000
• $15,000
• Unlimited

Deductible options: The amount you’ll have to pay before your coverage kicks in to reimburse you for veterinary expenses is your deductible. Petplan’s accident and illness plan has a choice of deductibles:

• $250
• $300
• $500

Reimbursem*nt options: When you pay up front for your pet’s veterinary expenses, you’ll then submit a claim for reimbursem*nt for problems covered by your policy. Petplan offers the following reimbursem*nt options:

• 70%
• 80%
• 90%

Petplan has a 15-day waiting period for accidents and illnesses and a six-month waiting period for cruciate ligament issues, patella issues and hip dysplasia. Pets Best pet insurance has a three-day waiting period for accidents and a 14-day illness waiting period. They also have a six-month waiting period for cruciate ligament issues but does not apply an extended waiting period to any other conditions.

Petplan covers expenses like advertising and rewards for lost dogs, boarding fees, and vacation cancellation expenses. Pets Best doesn’t cover any of these costs. Petplan also covers dental issues, provided your pet has had a dental check-up in the last 60 days. Pets Best also covers dental illness, but pets under the age of three do not require a dental exam for coverage to apply.

Pets Best offers a 24/7 vet helpline and wellness care coverage that will reimburse you for expenses like vaccinations, flea and tick medications and routine check-ups. Petplan does not offer these benefits.

Petplan has a 15-day accident and illness waiting period and a six-month waiting period for hip dysplasia, patella issues and cruciate ligament issues. In comparison, ASPCA Pet Health Insurance has a 14-day waiting period for accidents and illnesses but no extended waiting period for other conditions.

Both Petplan and the ASPCA Pet Health Insurance covers vet exam fees, behavioral therapies, alternative therapies and dental illnesses. However, Petplan requires pets to get a dental exam within the past 60 days for dental coverage to apply.

In addition, the ASPCA Pet Health Insurance gives pet owners the option to add wellness care and offers a 24/7 vet helpline, while Petplan doesn’t offer these benefits.