Pet Plan Insurance Reviews: Is pet insurance any good? What does it covers or does not cover? Pros and cons. What are customers saying about it?
Contents
Introduction
We are all prone to sicknesses and do not know what the future holds. Sudden accident and illness can occur to anyone, including our pets, dogs, and cats. Visiting pet care or veterinary care can cost us a fortune when this injury and illness become serious. To avoid being burdened by sudden expenses as such, Pet insurance plans were introduced to help pet owners.
Petplan is one such health insurance made for any type of pet. According to reviews and ratings, pet plan is considered one of the best pet insurance companies depending on the existing conditions, policies, and insurance plan it covers.
Read these reviews on pet plan insurance to learn whether it is what you are looking for.
What is Petplan
Petplan is a pet health insurance company that covers the medical expenses of injury or illness of your pet. It offers affordable rates to as low as $250 annually, and unlimited annual payout options. It gives a single and customizable policy with limits deductible. The pet plan pet insurance covers almost everything that is related to your pet’s health expenses.
The policies, however, do not offer coverage for preventative care, burial, or routine care. But, it goes beyond a lot more than the offers given by other companies.
Company Overview
Petplan insurance company was found in 2003 by two young married couples. The reason they started this company was that they were also forced to max out their credit cards to pay an emergency vet bill for their cat. In addition, they had to move into a smaller apartment since the vet bill was a lot more than expected.
Today, the pet health insurance provider is run by over 200 employees who are pet lovers and owners themselves, therefore they understand your pain and what you go through.
Petplan insurance policies are administered by
- Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan)
- d/b/a Petplan (Petplan Insurance Agency, LLC in California)
Pet plan insurance company policies are underwritten by
- XL specialty Insurance Company, Stamford
- CT Insurance Company, A.M. Best rated A+ and AGCS Marine Insurance Company, Chicago
- IL Insurance Company, A.M. Best rated A+ and a member of the Allianz Group, U.S.
- XL Specialty Insurance Company – Canadian Branch in Canada
What Petplan Covers?
Petplan covers a good number of medical condition fees for pet health and veterinary clinics’ routine care. It also takes care of accidents and illness coverage for multiple pets. However, you need to check your policies to know what you are covering.
- Accidental injuries & illnesses
- Non-Routine Dental Treatment
- Hereditary Conditions
- Surgery & rehabilitation
- Congenital Conditions
- Prescription Medication
- Exam Required To Set Health Baseline
- Behavioral / Holistic Therapies
- Veterinary exam fees
- Cancer treatments
- Diagnostic tests
- Imaging & ultrasound
- Referral & specialist treatment
What Petplan does not cover?
There are also certain preexisting conditions excluded from coverage. The pet plan exclusions policy are as following conditions.
- Breed, Whelping, Pregnancy
- Routine & wellness care
(such as spaying and neutering, teeth cleaning, flea and tick protection, and vaccines.)
- Pre-existing conditions
(eligible when a previously cured symptoms free return)
- Elective procedures
(such as tail-docking, ear-cropping, and declawing)
- Liability coverage
(when your pet causes damage to a person or property)
How does it work?
There are curable preexisting conditions of pets that can be solved and looked after by veterinarians. The working process Pet Plan policy follows a simple and easy procedure. Here are steps on how to claims processes pet plan insurance for your furry friend.
1. Select the vet you would like and get your pet’s treatment
2. Take photos or pictures of important documents and submit the claims
3. Your payment will be processed or reimbursed once approved
Reviews Of Petplan Pet Insurance Policy
The Pet Plan Pet insurance policies are underwritten by xl specialty financial advisor. The comprehensive coverage may also depend on past history medical records of your pet.
You can build a plan with the Petplan’s quote generator. The premiums are also based on the age limits of your pet, breed and type and the location that you live in.
- Deductible: $250, $300, $500
- Annual coverage limit: $5,000, $15,000, unlimited
- Reimbursement: 70%, 80%, 90%
It offers accident and illness coverage for pets up to 10 years or more.
How is PetPlan different from other pet insurance?
Cats and dogs can be adorable creatures. This four-legged creature can become like family and we would like to give our best care for them. However, compelling situations, illness or injury can take them away from us. Petplan can keep us prepared for such situations with their underlying conditions and policies. If you compare petplan with other pet health insurance company, you will be impressed at how much thing Pet plan covers.
It offers accident and illness coverage for pets up to 10 years or more. The policies offer a set of $15,000 annual limit with 70% reimbursement and a $750 deductible.
With these health plans for your pet, you can have peace of mind.
Policies are underwritten by A+ XL Specialty Insurance Company.
You can get Petplan reimbursed on checking accounts and credits faster than any other pet insurance.
You get a healthy pet credit or discount. For each consecutive 12 month policy period without acclaim, you get a 15%-30% discount.
Comparison
If you want your pet insurance covered, you will want to signed up with the right company depending on the type of pet you have and pet insurance cost. There are other pet health insurance providers. Here is a comparison reviews of pet plan company with other pet insurance companies. These comparisons include petplan vs Trupanion, vs Healthy Paws, and vs Nationwide.
Pet Plan Insurance Pros and Cons Reviews
Pros
- Petplan pet insurance allows you for insurance even with low amount.
- The petplan website is user friendly and very easy to use. In addition, there is Availibity of app for iOS and Android mobile.
- Your dogs and cats insured will now receive good reimbursement levels with Pet plan.
- Unlimited annual limits available
- 30-day money-back guarantee
- It also covers sudden expenses such as vacation cancellation and boarding.
- The petplans claim includes hereditary conditions which is a bonus point for being a pet insurance company.
- Covers virtual vet visits like video chats or phone calls
- It works if you are in US or Canada.
- Discounts are available for healthy pet credit.
Cons
- Pet plan pet insurance does not cover on wellness plan such as preventive and routine care.
- Limited deductibles and annual coverage options
- No preventive care plans available
- Limited coverage for older pets
- You need to prove that your pet is healthy with medical records.
- There are no discounts for having insurance on multipets.
- Dogs need to have both health and dental check up in the last 12 months to apply.
- Older animals that are six years old or older need to undergo veterinary exam within the 30 days before getting the policy and after.
- It does not reimburse for your pet’s death.
Pet Plan Insurance Customer Reviews
Pet plan insurance has many customer reviews in different platforms, for instance, it has 4/5 stars in trustpilot and average rating on yelp. You will find both positive and negative pet plan insurance reviews from the USA and Canada.
Many pet parents are quite happy and thankful to the petplan pet insurance company for the insurance coverage. However, there are also petplan pet insurance customer reviews that they have not received their claims. The Pet Plan has many reviews from citizens of the USA and Canada as well. If you reside from any of these countries, your pet is covered with their health insurance. #petplanreviews
You can read some reviews given below.
Petplan Dog Insurance Reviews
There are many reviews on petplan dog insurance given by dog owners. The Petplan seem to have helped many dogs at the time of critical conditions. Here are some reviews by dog owners.
We have claimed a number of times for our dog and everytime there is no problem with paying out at all ,there are never lots of questions and everything is sorted out and paid within a couple of weeks.Great communication too.I would definitely recommend!
Debbie Allen, From TrustPilot
I found the solution to the healthcare crisis. Health insurance needs to use the Petplan model. Car insurance should follow suit.
Justin B., Philadelphia, PA, from Yelp
Seriously our puppy would not still be kickin’ if we did not have Pet Insurance. It’s a great feeling to not have to worry about the $ and concentrate on his care. The freedom to make choices without considering cost. The ability to save for a wedding while Zuul is sick.
So anyway I’m totally sold on it. Wouldn’t leave home without it.
If you’re considering it just pull the trigger.
I am on a fixed income and find it easier to pay a small fee each month rather than a huge payment for a single incident. I am unable to pay a thousand dollars for labs & x-rays, and would have been tempted to deny treatment because of the expense, and Brandi surely would have died! Brandi and I work as volunteer fundraisers for the local Humane Society. Brandi goes with me everywhere for she is a Medical Alert Service Dog. Petplan insurance has given me the confidence to take Brandi anywhere we need to go, knowing that she is protected in the event of an emergency. Pet insurance saves lives!
Loreli E., From Gopetplan
Petplan Cat Insurance Reviews
The pet care coverage also takes care of your cute little kitten and adorable cat. Here are some reviews on Petplan by cat owners.
Our cat of 9 years who traveled the world with us was diagnosed with cancer in July. Petplan has made a difficult situation a bit easier as we go through the chemotherapy program. Their service reps are knowledgeable and compassionate. They pay claims very fast. We wish our human health insurance system worked this well!
Steven G., From Gopetplan
I’ve been insuring my cats with Petplan for around 10 years and never had a problem with them. Excellent service, no quibble on claims, and very understanding. Not the cheapest insurer, but I wouldnt use anyone else now.
Diane Gibbons, From TrustPilot
Petplan Horse Insurance Reviews
Thepetplan health insurance reviews are not just on cats and dogs, but it is for any type of pets or animal, such as horses, rabbits, etc. Here are some reviews:
I cannot thank Pet Plan enough!I am so pleased that I chose Pet Plan to insure my pets. My claim for veterinary treatment was acknowledged the next day and I received payment within three days. Excellent customer service. I would highly recommend Pet Plan.
Mrs. Anne Furniss, From TrustPilot
Petplan were wonderful and paid out for my rabbits treatment in full. Every time I called them, the operator asked how she was doing and were genuinely interested in her welfare. I am so pleased that I had Petplan. Thank you so much.
Steve Lloyd, From TrustPilot
Negative Reviews petplan pet insurance
The reviews of Pet plan come with both positive and negative claims. Customers have also complaint against the company for receiving their claims.
We made the mistake of submitting a claim, where we identified to the vet that the symptoms of the skin infection had started during the waiting period. Pet plan essentially refused to cover anything forever that may be related to “pre-existing” skin infection. What a joke. If I had the flu at some point do you think my insurance would call that a pre-existing condition and not cover me in the future?
B N., Minneapolis, MN, From Yelp
Additionally, the app works terribly and they take a long time to review claims.
Petplan & Vets work together to rip you off. After paying out over £1500 in insurance cover, the first claim I make is rejected with no explanation in the most unprofessional email ever seen. To cap it all the Vets then charge me eight months later for making the insurance claim. It’s great to see both Petplan and the vets work together to rip you off.
C Brown, From TrustPilot
Where To Get it?
If you have decided to get pet insurance from a pet plan, you can now get it from its official website at pocket friendly price. You can choose your options and also get a 30 days money-back guarantee.
How much do you pay?
There are different pet health coverage options you can choose from depending on the type of pet health insurance you want. The plan available for each pet varies according to the insurance costs, monthly premiums, and annual deductible. You can pay for petplan insurance with your credit card.
For example, you get a set of $15,000 annual limits with 70% reimbursement and $750 deductible.
Is petplan pet insurance any good?
Pet plan is great for your pet’s health insurance. It will help you cut so many heavy expenses in a time of need. However, if you are looking for travel boarding fees and other house rental fees exemptions for your pet, read this.
Conclusion
In conclusion of these reviews, we think that Pet plan is good pet insurance because it meets the most basic needs of any pet in need, however, it can be a little pricey and you need to go through their policies carefully. There is a coverage limit for the pet plan insurance, check them out to make sure that it does not exclude what you are looking for.
Once you enroll in one of these plans, as a pet owner, you can get the best insurance plans for your pet. Petplan does its job well in providing good health insurance and their detailed coverage is worth it. So, if you are planning to get one, you should go for it, and hey, you get a 30 days money-back guarantee if any of their policies upset you.
#petplaninsurancereviews
Frequently Asked Questions
Is petplan the best pet insurance?
This depends on the type of insurance you are looking for. It can be the best pet insurance based on health, injury, accidents, and illness. But it does not include preventive or routine care or death reimbursement.
Is pet insurance worth it?
Insurances are usually made for sudden expenses or unfortunate events such as car insurance, health insurance, mortgage refinance, motorcycle insurance, etc. The amount that we have to pay at the vet visits can also empty our saving accounts. Especially, when our precious pets are suddenly diagnosed with serious health issues such as cancer, chronic condition, hip dysplasia, or when they meet with an accident.Pet insurance providers help pet owners cover these expenses and give them peace of mind from all worries regarding the health expenses of their furry friends.
Do I Really Need Pet Insurance?
If you are a pet owner, then you might want to get pet insurance. It is like health insurance we get. If you can afford it, you would probably get health insurance for yourself because you do not know what the future holds. In the same way, if you can afford health insurance for your pet, then you should get one for future safety and peace of mind. It will help reduce your expenses in a time of need.
Is pet insurance a good investment?
Yes, it is if you own a pet you love. If you think health insurance is a good investment, so is pet insurance.
How Do I Cancel Petplan Policy?
You can cancel your petplan insurance by calling or emailing them at their customer support.In case, you have not submitted any claim within 30 days from the effective date, you can get a refund. The company will refund the pro rata premium after 30 days of the date of termination.
