Review Of PetPlan Pet Insurance For Your Dog

August 24, 2019

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If you're like me with one or more dogs in your house, you know that keeping them healthy can sometimes be an expensive proposition. If your dog needs surgery or one of a myriad of other treatments, the costs can quickly add up to thousands of dollars. If your furry friend develops any type of chronic condition, this could just be the start.

As most of us have some type of health insurance to help with escalating medical costs, you may be wondering if it would make sense to have something similar for your pooch.

This is where a policy from a company like Petplan Pet Insurance can really help. They offer policies that can provide reimbursement for a variety of different services such as medical and dental services.

Overview Of Plans From Petplan Pet Insurance

Petplan has been providing insurance policies for dogs and other pets for residents of the United States since 2001. While they do offer policies for a variety of different pets, their primary focus is on coverage for cats and dogs.

Petplan's policies are administered by Fetch Insurance Services, which is the parent company of Petplan. Their policies are underwritten by XL Specialty Insurance Company of Stamford, CT. Petplan has received an A+ rating from A.M. Best for their customizable insurance plans for your beloved dog.

Petplan is well known for the comprehensive coverage offered through their policies for your dog's car, including coverage of dental services, oral diseases, and other injuries your pup may suffer from time to time. What's really amazing about Petplan is that they also offer plans that cover various types of behavioral disorders. If you have a dog that suffers from separation anxiety or other disorders, you know this type of coverage can be a big benefit.

Whenever you're shopping around for health insurance for your dog, you need to be aware that some providers have an upper age limit for the animals they insure. Because Petplan has more forgiving age limits for their policies, they won't cut customers off or deny coverage based on your dog's age.

Michael B SugaR (Labrador Retriever)

I've had Petplan for several years now and it has really paid for itself with my diabetic Labrador Retriever. Just a couple of weeks ago she got sick with pancreatitis and was hospitalized for over a week. The bills were over $5,000 ... Petplan was very understanding and considerate during this difficult time and took care of everything.

What Is Covered By Petplan Pet Insurance?

The policies provided by Petplan insurance generally offer comprehensive and lifelong coverage for several different health conditions. These include both hereditary diseases as well as chronic conditions. As long as you meet the policy requirements, you'll be able to get both diagnostic and treatment costs included in your policy's coverage.

On top of this, depending on the plan you choose, you may be able to get access to coverage for various alternative therapies (including acupuncture) and behavioral therapies (like separation anxiety).

If you choose a policy that has at least a $15,000 annual limit, you can also get additional coverage from Petplan for other items such as:

  • Travel reimbursement in the event you have to cut your trip short to come home and care for your pet due to an illness or injury
  • Reward and advertisement payments for a lost or stolen dog
  • Costs of boarding your dog in the event you become injured or sick and need a place for your pup to stay while you recover
  • Reimbursement in the event your lost or stolen dog remains unfound

One thing all dog owners should note is that Petplan health insurance does distinguish between curable and non-curable conditions. Because of this, you'll want to check your policy's conditions and limits to understand what you can expect.

Are There Any Waiting Periods For Coverage?

Petplan does require waiting periods for certain conditions and treatments. You may also be required to jump through some additional hoops if your dog has pre-existing conditions.

However, you need to consider your dog's specific situation and determine if the waiting periods might cause problems getting the care you need for your dog. Even with some of the headaches related to a dog with pre-existing conditions, Petplan offers better coverage than you may be able to find with many other insurance plans.

Petplan offers coverage for all breeds of dogs and cats that are 6 weeks old or older. Your dog's care will be covered by your policy when provided by any veterinarian in the U.S.

The one drawback we see with Petplan's coverage is the lack of a wellness plan. Because of this, you can't get coverage for your dog's regular checkups and preventative care visits. Even though they're not covered, Petplan does require you to get these regular checkups for your dog to maintain your coverage.

How Much Does Petplan Pet Insurance Cost?

Just as with any other health insurance, your premiums for your pet insurance will depend on many different factors, including:

  • The breed of your dog
  • The age of your dog
  • The amount of coverage you choose
  • Whether or not your dog has any pre-existing conditions
  • Whether your dog has a curable versus non-curable condition

Petplan prides itself in providing customizable plans to their customers. Because of this, you're able to choose your coverage level, which can be as low as $2,500. Annual deductibles for their plans range between $250 - $1,000 and you can also choose between different reimbursement levels.

Because you can customize your plan, you'll be able to choose a plan that strikes a balance between your budget and your dog's health care needs.

How Do I Get A Petplan Policy?

Applying for a policy is quick and easy and can be completed in a matter of minutes. You only need to provide Petplan with your location and some basic information about your dog. These include your dog's name, age, and breed. At this point, Petplan will provide you with a choice of three selections. The price of these different offers will vary based on your dog and your location.

After being presented with the initial offers, you can then choose to customize your dog's plan. You can elect to go with a lower or higher maximum annual payout to help you get a plan that fits within your budget.

Please note that your coverage costs and amounts will likely differ from those shown above based on your dog's breed, age, and location.

Once you've chosen your policy, your dog's coverage will begin at 12:01 AM ET the day after you've made your policy elections and remitted your first payment.

How Do I Contact Petplan Customer Service?

Petplan's customer rating is one of the best out there. They have an average rating of 9.2 out of 10.

With this type of rating, you may never need to contact their customer service department, but if you do you can call them at 1-866-467-3875. Their customer service department is available to assist you with questions of concerns 24 hours a day.

Petplan provides several other convenient methods for reaching their customer service department including via email and live chat through their website.

Final Thoughts About Petplan Pet Insurance for Dogs

After examining Petplan's insurance in-depth, as well as providing key information about both the benefits and drawbacks, we can highly recommend both their pet insurance for your dog. We would strongly urge any doggy parent interested in purchasing an insurance plan for their dog to look into their products.

With an average customer rating of 9.2 out of 10, many dog owners have found their policies provide some peace of mind knowing they have a weapon to help combat increasing medical expenses for their furry family.

*UPDATE* Right now Petplan is offering a promo for our readers that will allow you to save 10% off. Be sure to click the button below and to take advantage of this deal.


  • 5% discount for purchasing online
  • Additional discounts available for micro-chipping your dog, having a service dog, and taking out policies for multiple pets
  • Additional 2% discount, up to 10% maximum, for each claim-free 12 month period
  • Covers exam fees for sick visits
  • Provides an iOS and Android mobile app to manage claims
  • Provides flexibility in benefit coverage
  • Provides additional coverage options, depending on the selected plan
  • Claims are paid quickly, typically within a week


  • Required to have regular dental and health check-ups, which aren't covered by the plans
  • Doesn't offer a wellness plan
  • Some recent customer reviews indicate they're not happy with recent premium increases
  • Some requirements must be met for the coverage to kick in, such as taking your dog to the vet within 48hr of illness or injury

Petplan Pet Insurance

With policies that cover up to 90% of vet bills from unexpected injuries and illnesses, including viruses like COVID-19, Petplan offers peace of mind for all dog owners.

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