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Petplan Pet Insurance Review (2021)

Pet parents who are looking for robust coverage and cutting-edge treatment options may consider Petplan, one of our top picks for pet insurance. Learn why we recommend Petplan in this guide.

A white fluffy dog laying in a field of yellow flowers and grass with its tongue out Adobe

Pet insurance can provide pet parents with an added level of security when it comes to their fluffy friend’s health. A pet insurance policy prevents pet owners from paying unexpected vet bills, giving them confidence about their pet’s healthcare.

Petplan is on our list for the best pet insurance providers due to the holistic care benefits, well-rounded plan, and customizable coverage caps it offers. Keep reading as we unpack this company’s pricing, coverage, policies, and reviews from real customers.

Our Rating for Petplan

With its generous allowances for holistic therapies, telehealth services, and behavioral treatments that many other providers exclude, we scored Petplan a 91.5 out of 100—our top pick for holistic coverage options.

Pros and Cons of Petplan

Compare the advantages and disadvantages of Petplan:

✔ Provides up to $1,000 of coverage for behavioral treatments, which is not included in most competitor plans
✔ Offers more comprehensive dental benefits than most competitors and covers every tooth for illness as well as trauma
✔ Provides coverage for cutting-edge options such as stem cell therapy, acupuncture, homeopathic treatments, and telehealth vet visits

✘ Has a 15-day waiting period for both accidents and illnesses, which is higher than most competitor waiting periods
✘ Doesn’t have an add-on option for preventive and routine care

Petplan Pet Insurance Pricing

While Petplan is not the cheapest pet insurance company available, its holistic scope of coverage makes it a frontrunner for pet parents who want a suite of treatment options for their pet.

Petplan offers one standard plan that covers injuries and illnesses for cats and dogs. Though its baseline plan is fairly comprehensive, Petplan doesn’t offer add-ons for preventative care and wellness. However, its standard plan does come with a unique benefit of up to $1,000 for wellness benefits.

This lack of wellness coverage may be a drawback for pet parents with puppies or kittens that need more preventative care like vaccines, spaying or neutering, or other routine care treatments.

When customizing a policy, pet parents can choose from the following:

  • 70%, 80% or 90% reimbursement rates
  • $250, $300, or $500 annual deductibles
  • $5,000, $15,000, or unlimited annual limit for coverage caps

To give an idea of pricing, we collected sample monthly premiums for 4-year-old cats and dogs living in Nashville, Tennessee. We chose a $250 deductible and an 80% reimbursement rate for each quote.

Sample Pricing Premiums

Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Boston Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Dalmatian Dog - Boston Terrier Cat - Domestic Medium Hair
Accident and illness plan $36.97 $48.67 $42.43 $20.16


Petplan offers an array of discounts with its policies. Eligible customers may receive up to 10% off of their plan if they meet one of the following criteria:

  • Pet parents who adopted from shelters or rescues
  • Walmart shoppers or employees
  • AARP members
  • Veterans and active military members
  • Customers with licensed medical service pets
  • Veterinarians and vet employees

The terms and conditions for these discounts are determined individually, so we recommend getting a personalized online quote for the most accurate pricing.

Petplan Pet Insurance Plans and Coverage

Petplan offers just one pet health insurance plan that includes coverage for both accidents and illnesses.

Examples of incidents covered under the plan include:

  • Hereditary, chronic, and congenital conditions
  • Dental injury
  • Dental diseases
  • Cancer diagnosis and treatment
  • Behavior issues like aggression, phobias, or separation anxiety
  • Hospitalization
  • Surgery
  • Outpatient or specialist care
  • Toxin ingestion
  • Hip dysplasia
  • Skin conditions
  • Heart disease
  • Cancelled vacations due to a sick pet
  • Advertising and reward fees for lost pets
  • Rehabilitation and physical therapy after an accident
  • Prescription medications
  • Telehealth veterinary services

The plan also covers tests and diagnostics such as:

  • Sick exam fees
  • X-rays
  • MRIs
  • Labwork
  • Blood tests
  • Ultrasounds

Coverage Exclusions

Like other pet insurance companies, Petplan will not cover pre-existing conditions, meaning any health problems that arose before the insurance policy was purchased won’t be covered.

In addition to pre-existing conditions, other items excluded from coverage include:

  • Routine care checkups
  • Vaccinations
  • Teeth cleaning
  • Spay or neuter surgery
  • Cosmetic and elective procedures

Petplan State Availability

Petplan policies can provide pet insurance for cats and dogs in all 50 U.S. states as well as those living in Canada.

Petplan Pet Insurance Reviews

Petplan holds an A+ rating from the Better Business Bureau (BBB) and holds a 4.3 out of 5 rating on Trustpilot. Many of the reviews mention positive interactions with Petplan’s customer service team and the ease of filing claims with the company. Dissatisfied customers often discussed having their premiums raised substantially after their first year of coverage and lengthy wait times for reimbursement.

Here are a few Petplan pet insurance reviews from Trustpilot:

Peter N. on Trustpilot says:

“I have used Petplan for many years and have had several claims. The most recent was for right around $5,000. Petplan has always done everything like expected. No problems, no hassles. They also seem very caring towards our animals. They calculate and settle my claim quickly and don’t waste time getting the check in the mail.”

Elizabeth B. on Trustpilot says:

“The app is barely functional and difficult to use. It took them 30 days to review my claim and [they] asked for two years of medical records that are irrelevant to the claim (emergency visit for cheatgrass removal). I’m told it will take another 30 days for them to get back to me. Their website says they review and approve in 14 days.”

*Data accurate as of November 5, 2021

Petplan Background

One of the oldest names in the pet insurance industry, Petplan was founded back in 2007 by pet owners who received a $5,000 bill from a veterinarian for treating their cat. With this experience as a catalyst, Christopher and Natasha Ashton began a pet insurance company to protect pet parents against high expenses during emergencies and illnesses.

Petplan was acquired in 2019 by Warburg Pincus. Its policies are underwritten by AGCS Marine Insurance Company and XL Specialty Insurance Company, and the policies are administered by Fetch Insurance Services, LLC.

Our Conclusion

Petplan is a great option for pet parents looking for more holistic care, prefer telehealth services, or want robust coverage for behavioral treatments. However, customers with older pets and certain breeds may find lower prices elsewhere. Nevertheless, perks like vacation cancellation and boarding during an owner’s hospital stay can appeal to many pet owners.

For pet owners seeking more customizable deductibles, Embrace can be an excellent option, and Healthy Paws offers unlimited coverage on all of its policies. If you’re looking for a highly rated customer service team, consider Prudent Pet.

Compare Pet Insurance Companies

Provider Get a Free Quote Best For Our Rating
Provider Get a Free Quote Best For Our Rating
Lemonade Get Quote Best Overall 96
Prudent Pet Get Quote Most Comprehensive Coverage 95
Healthy Paws Get Quote Best Coverage Limits 93.5
Embrace Get Quote Best Deductibles 93.5
Petplan Get Quote Best Holistic Coverage 91.5
Spot Get Quote Most Customizable Plans 91
Pawp Get Quote Best Digital Clinic 90
ASPCA Pet Health Insurance Get Quote Best For New Pet Owners 89

Frequently Asked Questions

Does Petplan cover exotic animals?

At this time, Petplan pet insurance offers pet insurance for dogs and cats. Birds, reptiles, and other animals are not covered.

How long is the waiting period for Petplan policies?

The waiting period for Petplan coverage to begin is 15 days for both accidents and illnesses, which is longer than many competitors. Lemonade, for example, has a two-day waiting period for accidents and a 14-day waiting period for illnesses.

How do I file a pet insurance claim with Petplan?

Once you’ve gathered your pet’s medical records and a paid itemized invoice from your veterinarian, you can log into your account on the company’s mobile app or website to submit your claim. Your account will also show the status of your claim as it’s being processed.

Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at