Petplan Pet Insurance

A Look at Petplan Pet Insurance Benefits

Petplan insurance policies include coverage for expenses such as:

• Injuries such as a skin laceration or fractured bones
• Illnesses such as urinary tract infections or vomiting
• Dental illnesses
• Vet exam fees
• Acupuncture
• Imaging and ultrasounds
• Diagnostic testing
• Hydrotherapy
• Surgery and rehabilitation
• Emergency care and hospitalizations
• Behavioral therapy
• Cancer treatment
• Chiropractic care
• Advertising and reward for lost or stolen pets
• Medically necessary boarding fees
• Vacation cancellation fees if you have to stay home due to a sick pet

What Petplan Pet Insurance Doesn’t Cover

Some of the expenses not covered under a Petplan insurance policy include:

• Pre-existing conditions
• Wellness and preventative care costs such as vaccinations or routine exams
• Costs arising from breeding, pregnancy or nursing
• Experimental treatments
• Elective procedures such as tail docking, declawing, or spaying or neutering
• Food (including food prescribed by a veterinarian)
• Grooming
• Time and travel expenses to vet appointments
• Injuries or illnesses that arise out or racing, fighting, commercial guarding, or any occupational, professional or business use

Petplan Waiting Periods for Coverage

Generally, pet insurance policies apply a waiting period to your plan, which is the amount of time you must wait before your coverage begins to reimburse you for health-related expenses. Petplan has several waiting periods, including:

• 15-day waiting periods for accidents
• 15-day waiting periods for illnesses
• Six-month waiting periods for cruciate ligament issues, patella issues and hip dysplasia

Petplan’s 15-day waiting period for accidents is longer than you could find with other pet insurance companies. For example, Embrace and Lemonade have accident waiting periods of two days and Figo has an accident waiting period of one day. Most pet insurers we analyzed have a 14-day waiting period for illnesses, so Petplan is only one day longer.

If your pet is prone to health conditions like cruciate ligament issues and hip dysplasia, you may find Petplan’s six-month waiting period to be too long. If that’s the case, look to insurers like ASPCA pet insurance, Many Pets and Trupanion, which do not have waiting periods for these conditions.

Petplan Pet Insurance Coverage Levels

Maximum annual limit options: The cap on the reimbursement your insurer will pay in a given year is known as the annual coverage limit. Petplan has the following options:

• $5,000
• $15,000
• Unlimited

Deductible options: The amount you’ll have to pay before your coverage kicks in to reimburse you for veterinary expenses is your deductible. Petplan’s accident and illness plan has a choice of deductibles:

• $250
• $300
• $500

Reimbursement options: When you pay up front for your pet’s veterinary expenses, you’ll then submit a claim for reimbursement for problems covered by your policy. Petplan offers the following reimbursement options:

• 70%
• 80%
• 90%