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Petplan Pet Insurance Review 2023

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Petplan has been protecting dogs and cats from life’s most unpredictable moments for over 15 years in both Canada and the United States.

Choosing the right insurance company to take care of your pet’s health can feel like an unbearable decision. Since the company opened its doors in 2003, Petplan has offered the most comprehensive coverage available, reimbursing up to 90% of the veterinary bills from unexpected injuries and illnesses.

Its simple one-plan option covers veterinary visits, unexpected illnesses, chronic and hereditary conditions, comprehensive dental care, and alternative care — all without charging any extra fees.

In this review of Petplan, we’ll examine what the pet insurance provider has to offer cats and dogs across the United States and Canada.

Petplan: Overview

Petplan is a top insurance company in Canada and the United States. Their insurance policies are administered by Fetch Insurance.

A company with pets and their families in mind, Petplan offers round-the-clock customer service including a live chat with their team.

Regardless of province, territory, or state, Petplan has a comprehensive coverage plan that includes both health and dental.

For those unexpected life moments when our furry friends need us the most, we can concentrate on their care instead of worrying about our finances. Petplan makes this easier than ever.

Petplan: How It Works

The monthly fee for a Petplan policy depends on a multitude of variables such as species, age, breed, location, and medical history.

The younger and healthier your pet is, the lower your premium will likely be. On the other hand, if your pet is older, it is more likely to have a pre-existing condition or shortly need medical treatment.

A pre-existing condition is defined as a medical condition that is noted as symptomatic or diagnosed before the date of the signed policy, or it can also occur during the policy waiting period.

The customer service department at Petplan can help translate all of the confusing small print, along with their terms and conditions.

Knowing some households can’t afford to spend extra money on monthly insurance fees, the team will help navigate all the options available.

Here are the specifics of Petplan’s policy:

  • Deductible: The amount you pay out of pocket before the animal insurance begins ranges from $250 to $1,000. The higher the deductible, the lower the monthly premium fees.
  • Annual coverage limits: The total amount your policy will cap in one year can range from $2,500 to unlimited, depending on the plan you select for your pet.
  • Reimbursement: The amount of money that Petplan will pay back ranges anywhere from 70% to 90%. Petplan typically processes and pays claims within 14 days, but it can take up to 30 days.
  • Co-pay: This is a fixed amount paid by you at the time of service.

Plans are customizable and factor in all the variables that your pet brings to the table along with your financial requirements.

After choosing the right plan that suits you best, you may be eligible to be refunded thousands of dollars.

Petplan: Coverage

Petplan has set the gold standard as the first pet insurance provider to offer a lifetime coverage option while covering pets of any age without broad exclusions for genetic and ongoing conditions.

Petplan allows pet owners to set their reimbursement limit to whichever suits their financials best. Options range between 70% and 90% back.

Pet owners can customize their pet’s plan to have an annual limit of $15,000 for added protection. This includes:

  • Lost or stolen pets: Petplan will not only help with the cost of advertising but will also pay a reward. It will even go as far as offering to reimburse the price of your pet if it is not found during the policy.
  • Travel and accommodation costs: If your pet suffers from an unexpected illness or injury, Petplan will offer a reimbursement for costs that cannot be recovered for reasons such as last-minute cancellations or vacation time is cut short during the policy period. This protection kicks in if symptoms of any malady requiring veterinary attention begin to appear while you are away or up to seven days before you leave.
  • Emergency boarding: If you fall ill and require a hospital stay, Petplan will help make sure your pet stays at a licensed kennel or cattery while you seek medical attention for sickness, disease, or bodily injury.
  • Bereavement: If your pet passes away or clinically has to be put down during the policy period, Petplan will reimburse the price originally paid for your cat or dog.

If the family pet unexpectedly falls ill or has an accident, Petplan will help foot the bill from any accredited animal clinic. Pet owners are reimbursed once they have already paid their veterinary bill out of their pocket.

Depending on the plan you choose, payouts can be anywhere from $2,500 to unlimited.

Petplan, like many animal insurance companies, will require a medical workup of your pet to get a baseline of their health. The exam must be performed either six months before or 30 days after enrolment for any animal regardless of age.

If your pet does not undergo this mandatory exam before enrolment, it risks any found medical conditions not being covered, essentially deeming it a pre-existing condition.

If your pet is found to have a curable medical condition within the first year of signing their insurance policy, before or during the waiting period, Petplan will cover the costs.

If this happens, Petplan will commence a second 365-day exclusionary period. If the same curable disease then reappears, that specific ailment will be omitted from the policy altogether.

Petplan: Features

Petplan offers a fully customizable plan with annual limits as high as $15,000.

The deductibles can range anywhere between $250 and $1,000 depending on the claim.

Reimbursements can either be 70%, 80%, or 90% off the final veterinary bill cost.

Emergency care is included in the plan too, although there is a waiting period of five days for accidents and 15 days for illnesses.

As per the industry standard, costs associated with yearly routine visits to the vet are not covered.

Petplan even offers a 30-day grace period for you to ensure that this pet insurance company is the right one for you and your furry friend.

Petplan: Pricing

Petplan provides an insurance policy that can cost around $29 to $35 a month.

Depending on the specific factors, deductibles can range from $250 to $1,000, and the company offers two deductible options to choose from: an annual deductible or a per-condition deductible. Remember, deductibles reset every year while monthly fees inflate.

Petplan Pros & Cons


  • Mobile app available for the ease of submitting claims

  • No claims limit for the pet’s lifetime, nor per condition

  • Healthy pet credit: up to 30% discount for each consecutive 12-month policy period without a claim

  • Covers sick visit exam fees

  • Travel insurance for the U.S. or Canada

  • VirtualVet assistance covers up to $1,000 in visits over video chat, call, or text


  • Mandatory yearly health and dental checkups for dogs’ coverage to apply — failure to do so will leave your dog without insurance coverage until veterinary clearance

  • Initial quotes appear to be higher than competitors

  • No wellness plan available

  • No multi-pet discount

  • Claim refunds can take up to 30 days

Our Final Thoughts

Petplan is one of the leading pet insurance companies in both Canada and the United States. Insuring dogs and cats of all ages, Petplan covers accidents, illnesses, and curable (possibly pre-existing) conditions.

This company cares for four-legged family members as well as supporting partnered shelters, rescue centers, and humane societies across the United States.

The Petplan Charitable Trust helps with funding towards humane veterinary research into hereditary, congenital, and other chronic conditions.

Petplan reviews show positive experiences with a quick turnaround time when it comes to refunds.

The cost of a policy is representative of each pet. Unfortunately, there is no coupon code available for joining this animal insurance agency, but the best price available to your pet will be offered after filling out the free quote form on Petplan’s website.

There are some discounts available for specific cases such as for medical service animals, multiple pets, and pets with microchips.

Frequently Asked Questions

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