Petplan Review

ByBestmoney StaffJan. 18, 2021

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In a Nutshell

While Petplan isn’t the cheapest provider, it offers a comprehensive level of cover that’s superior to some insurers’ more expensive plans, justifying the expense. You can customize your level of reimbursement, deductible and annual limit to fit your budget.


  • Cover for hereditary and chronic conditions is standard
  • Online vet visits reimbursed up to $1,000
  • Dental injury & disease covered


  • No wellness coverage
  • Not suited to all budgets

Petplan Petplan Visit Site


  • Available in all 50 states and Canada
  • Highly customizable 
  • Comprehensive coverage with no age restrictions

What Petplan covers 

While Petplan used to offer tiered plans, it has moved towards a model with one single, comprehensive policy, which you can then customize by choosing your level of reimbursement (70% 80% or 90%), deductible ($100-$2,500), and annual limit($2,500-unlimited).

Standard cover is comprehensive, and includes exam fees, accidents and injuries, diagnostic treatment, surgery, rehab, dental injury and illness for all teeth, cancer cover, and even prescription medications.

There are some additional benefits, including online visits, behavioral treatments, death from illness or injury, and even lost and found advertising and rewards that are offered up to $1,000 a year.

Limits and Deductibles

Petplan is one of the most customizable policies around. It lets you choose whether to apply the deductible annually or per condition. You can also choose your deductible, starting from as low as $250 up to $1,000. The deductible can be increased in $50 increments.

In addition, you can set your unlimited annual payout limit. This can be as low as $2,500 or completely unlimited coverage. Even better, there are no per condition limits or lifetime caps, which guarantees your furry friend’s care will be covered for the duration of an illness or injury, including chronic conditions like diabetes, allergies, cancers, KCS or dry eyes, etc.

Reimbursement is a straight 70%, 80% or 90% of your actual vet bills.

Value for Money

Petplan’s coverage comes with higher price tag than some providers, but will give you peace of mind that your pet is covered for medical care.

It’s possible to insure a small, mixed breed cat for as low as $21.20 with an annual limit of $2,500, a $1,000 deductible and 70% reimbursement.

With a $15,000 annual limit, plus a $500 annual deductible and 90% reimbursement, the price becomes $51.16 a month.

While the price might be a bit high, you’re getting a lot of coverage and customization options. Also, the periodontal disease exam fee coverage add a lot to these comprehensive policies.

You can get discounts that can knock off a chunk off your final bill if you’re military or ex-military and even 10% off if you offer pet insurance to your employees as a voluntary benefit.

Age Limits 

Petplan insures all pets over 6 months old, with no upper limits. However, all pets will need to undergo a vet exam within 30 days of being insured or six months prior.

The Fine Print: What Isn’t Covered?

Like some other insurers, pre-existing conditions are divided into 2 categories: those that will be covered after a waiting period, and those that are considered incurable. There is no set list of incurable conditions, but only examples of what might be considered incurable, which could make for some uncertainty.

Dental treatment is covered, not only for dental injury but also for periodontal disease in all teeth. Routine treatments such as cleaning aren’t covered.

Routine wellness care also isn’t covered.

Of course, as a responsible pet owner you’ll want to get your pet checked at regular intervals, whether this is covered or not. However, with Petplan you run the risk of having an otherwise valid claim rejected if you don't take your pet to the vet at least once a year for a check-up. 


Petplan’s insurance policy has comprehensive coverage and a lot of customization possibilities, which gives you flexibility.You will be reimbursed by 70%, 80% or 90%, depending on your choice. You can also set your annual payout limit, with no per condition or lifetime limits for your pet.

Petplan Petplan Visit Site

Petplan customer testimonials

AverageReviews 491
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  • author
    Katherine S.
    2 days ago
    ReCee is a Keeper😉

    I’ve called three separate times & never received a call back Then ReCee answered my call & I couldn’t of been happier. She was amazing. She took care of all my concerns & at the same time she was kind, gentle & such a sweetheart , I could go on & on about how wonderful & funny ReCee was as well. I would rate her professionalism above & beyond a 5. Thank you for having someone like her apart of your team!!!


  • author
    Pamela Johnston
    2 days ago
    I bought their maximum coverage for $25…

    I bought their maximum coverage for $25 000.00 my little poodle has been covered since she was 6 weeks and she ate those DO NOT EAT moisture packages that come in new purses and I rushed her to the hospital luckily in time they pumped her stomach cost me 489$ I'd been paying 27$ into petplan for almost 3 years every month and never made a claim so I did. Very unorganized they asked me for birth certificate and all her vaccines records (which you think they would have asked for before taking my money every month. So I provided them with all 12 peices . Then the said my new rate was $68.07 per month for coverage of only $15 000.00 and had to pay a 300$ deductible in order to get the 182$ or whatever balance from my claim that was less then 500$ after paying them over 900$ in a little over 2 years. TOTAL JOKE TOTAL SCAM DO NOT SIGN UP


  • author
    Jessica Limon
    Apr 13, 2021
    Company’s own employees admit Petplan is a joke right now

    I have had nothing but problems with this company. I am a veterinary professional and I will actively tell clients to avoid this company. From customer service not following through to them taking payment of not only triple my monthly payment but then 6, yes six times my payment out and not r reimbursing me there over payments... Best part is all of the customer service reps have told me the company is a mess right now!


  • author
    Apr 12, 2021
    Very Happy Customer

    I am a big fan of Petplan/Fetch and tell everyone who get a pet about this company! Paul, the CEO, sent a message with his email if customers were having problems. Well I had a problem with the app and filing a claim. I didn't have to call the Boss! Danielle Bevenour sent me another link and claim filed, No Problem! Thank you Danielle! Paul, give her a raise!


  • author
    Imani Ribadeneyra
    Apr 12, 2021
    Great UX on site

    A nice easy process on the site for submitting claims, reviewing my plan, and seeing past claims. Really like the chat feature too!