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 472
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  • author
    Jan 07, 2021
    You never know when you might need good quality pet insurance.

    We had Petplan when our cats were 8 week old kittens, up until they were 2 years old. They went back on Petplan at age 7 years. The website is good. You are kept informed by texts regularly. Let your vet send in the forms on your behalf, as this means quicker pay outs. Within two years of re-joining Petplan, our cat Tom was diagnosed with heart failure and thyroid problems. He had bloods and scans done. He is now under the care of a cardiologist. It takes five meds daily to keep Tom alive. We could not afford this level of care without Petplan. You never know whats around the corner. Petplan has been our safety net. Remember there is no NHS free care for our animals. To have inadequate or no insurance at all, is taking a huge financial risk. Toms ok at the moment, although it`s been another trip to the vets. He likes to fight and as I write this review, he is wearing one of those cones around his head. He thinks he`s a bad ass lion fighting other male lions on the Serengeti planes, but in reality he`s a little moggy in a back garden in north wales!


  • author
    Colin R. Ferguson
    3 days ago
    PetPlan (Fetch) No longer the same Company

    We have had PetPlan (Soon to be called Fetch) for our pups since 2009. It was recently (2019) purchased by a Private Equity Firm. And since then it appears the company has changed dramatically. On their google page, there are testimonials, corroborated by PetPlan, stating that coverage has been downgraded at renewal after large claims. Our experience had previously been quite positive and we are disappointed in the changes. Other companies are out there who do not do this.


  • author
    Gretchen Koppe
    Jan 16, 2021
    Customer Service is Terrible

    This company used to be great but I'm leaving them after 7 years. Their premiums have skyrocketed and they are converting everything to working with bots and not being able to speak to a real person. In the past two days, I have been on hold with them three times for 30 minutes. I have not been able to get through to customer service. It used to be quick and easy to speak with someone, now it's nearly impossible.


  • author
    Joe Davis
    Jan 16, 2021
    I can’t leave a no star review but if I…

    I can’t leave a no star review but if I could I would. My father died from covid, and he was the policy holder. Our cat sadly passed away two weeks before my father. My brother tried to cancel the policy and they said they wouldn’t cancel it. So there is no pet to insure and no policy holder living, but Petplan wanted their money regardless of who died. Shame on them! Shame! Only after a one star review online from my brother and complaints that they eventually gave in. Do not use Petplan; look elsewhere. They’re disgraceful!


  • author
    Carolyn Spiegel-Feld
    Jan 15, 2021
    I was very unimpressed with this…

    I was very unimpressed with this company. They have recently migrated to a new platform to host their site. I signed up online for a pet insurance plan for my puppy, after a day I still had not received a confirmation email etc. I called to follow-up and it turns out there was a glitch in the system so no plan was created for my puppy. However, when I checked my bank I had been charged over $100 American for a plan (I am based in Canada). I called the company and was assured that this charge would not go through as I didn't have an account created. The charge did go through in American dollars (so not only was I charged for a service I did not have, I was charged even more because their system registered me as an American). It took weeks of pestering them with calls and emails for them to refund me the charge. I ended up losing money because by the time I got the refund the exchange rate had shifted. Definitely would not recommend this company, not worth the headache.