Compare PetPlan Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name PetPlan USA
Also Known As  
Address 1 International Plaza, Suite 140
Philadelphia, PA, 19113
Phone 1-866-467-3875
Website www.gopetplan.com
Plans That Provide Both Accident and Illness Coverage Bronze Plan; Silver Plan; Gold Plan
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Allianz, North American Elite or American National Property and Casualty Company.

Allianz has an AM Best Financial Strength Rating of "A+" and an Outlook of "Stable" as of 8/5/10.

North American Elite has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 8/5/10.

American National Property has has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 8/5/10.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.
Year Company Started 2005 in the USA

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be at least 6 weeks of age.

Oldest age of enrollment depends on the state you live in. For some there isn't a maximum age, for others it is 8 years for dogs (5 years for "Select Breeds") and 10 years for cats.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 24 hours after the policy effective date for accidents.

14 days after the policy effective date for illness.
Waiting Period for Cruciate Injury 6 months for cruciate injuries and patella defects.

They will waive this exclusion if your veterinarian issues a certificate of health stating that your pet has been examined and does not have any pre-existing conditions related to the cruciates or patellas. This must be done within the first 30 days of coverage.
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states with your pet.

Out of Country Coverage - You WILL be covered when traveling to Canada
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages.

Contact the company for more information on these increases.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Annual Maximum Payout for that year. (See 'Max Payout Annually' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can choose any licensed veterinarian in the US and Canada, but you must live in the US permanently to purchase a policy
Money Back Guarantee? If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic? Co-pay is 20% or 30% (depending on the state you live in) in the following situations:
  • Your veterinarian refers you to a specialized referral veterinary facility
  • You see a veterinary specialist either by referral or on your own without a referral
  • You take your pet to an emergency care facility (Does not apply to life-saving emergency conditions)
  • You take your pet to an after hours veterinary facility (Does not apply to life-saving emergency conditions)
  • You take your pet to an accredited school of veterinary medicine
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call PetPlan for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available by request

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [OPTIONAL] Behavioral Therapy is included as part of the Gold Plan.

The annual maxiumum benefit for behavioral therapy is $250 or $1000 depending on the state you live in. This amount is part of, not in addition to, your annual monetary limit of coverage.

Behavioral Therapy must be used in relation to a covered injury or illness. Behavioral Therapy must be performed by an accredited, licensed veterinarian.

**See actual policy or call PetPlan for any additional limitations on Behavioral Therapy Coverage
Alternative Therapy Coverage [INCLUDED] Alternative Therapy is covered as long as the treatment is recommended and performed by a licensed veterinarian.

**See actual policy or call PetPlan for any additional limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to PetPlan's website, a pre-existing condition is "...any condition which first occurred or showed clinical signs before the pet's coverage started or which occurred during the policy waiting period...This would include conditions that have not yet been clearly diagnosed, are currently in remission, are seasonal or being controlled via prescription medications."

These conditions may be covered in the future if cured, however, this is at the discretion of PetPlan

**See actual policy or call PetPlan for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

**See actual policy or call PetPlan for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the annual maximum payout per policy year. (See 'Max Payout Annually' section below)
Chronic Conditions Policy Chronic conditions are covered up to the annual maximum payout per policy year. (See 'Max Payout Annually' section below)

They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

**See actual policy or call PetPlan for complete description of their Chronic Conditions Policy.
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Cancer conditions are covered as long as you have not gone over your annual maximum payout per policy year. (See 'Max Payout Annually' section below)
Hip Dysplasia [INCLUDED] Hip dysplasia is covered as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period.

(See 'Hereditary & Congenital Conditions Coverage' section above).
Prescription Drug Coverage [INCLUDED] Prescription drugs are covered. Does not cover nutritional supplements and vitamins. All prescription drugs must be FDA approved for pet which is subject to policy provisions. The prescription drugs must be prescribed by the veterinarian treating the pet for an accident or illness.

**See actual policy or call PetPlan for any additional limitations on Prescription Drug Coverage
Pregnancy Coverage [LIMITED COVERAGE] Costed related to complications from pregnancy (e.g. c-section) may be covered. The treatment must be deemed medically necessary, must not be a scheduled event, and the pregnancy must have started within the policy period.

**See actual policy or call PetPlan for full list of inclusions and exclusions
Routine/Wellness Coverage [NO] - Routine Care is not covered or offered as an addon
Vaccinations [NO] - Routine Care is not covered or offered as an addon
Spay/Neuter [NO] - Routine Care is not covered or offered as an addon
Dental Care (Routine) [NO] - Routine Dental Care is not covered or offered as an addon
Dental Care (Illness/Accident) [LIMITED] Dental coverage for illness and accidents is included if your pet has had its teeth checked by a veterinarian in the twelve months before the effective date of your policy, and any treatment that was recommended as a result of a veterinary check was carried out. If this is not done, dental treatments are not covered.

**See actual policy or call PetPlan for full list of inclusions and exclusions.
Bilateral Conditions Policy If your pet has received treatment for a cruciate injury to one leg then the other leg is automatically excluded from coverage for a period of twelve (12) months from the date of treatment.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Hereditary & Congenital Disorders, Alternative Therapy, Continual Chronic Conditions Coverage, Cancer Coverage, Hip Dysplasia, Prescription Medications, Dental Illness/Accident (limited). (Refer to each category's section for limitations)

[Optional] Behavioral Therapy (limited). (Refer to category's section for limitations)

**See actual policy or call PetPlan for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Routine dental treatments (eg. routine teeth cleaning)
  • Routine Care (spay/neuter, vaccinations, etc)
  • Elective Procedures
...See policy for a complete listing

 

How The Policy Works
Co-pay You can choose from 0%, 10% or 20%

Co-pay is 20% or 30% (depending on what state you live in) for visits to a specialist. (See 'Surcharge for Visiting a Specialist or Emergency Clinic' above)
Deductible You can choose $50, $100 or $200 deductible per Medical Condition

According to PetPlan's sample policy a Medical Condition refers to "...All clinical sign(s) and symptoms resulting from the same diagnostic classification or disease process, regardless of the number of incidents or areas of the body affected."
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible The deductible will be applied separately to each Medical Condition. According to PetPlan's sample policy a Medical Condition refers to "...All clinical signs and symptoms resulting from the same diagnostic classification or disease process, regardless of the number of incidents or areas of the body affected."
How is Reimbursement Determined For policies underwritten by American National Property And Casualty Company: UCR as defined by the AAHA Fee Reference Guide.

For policies underwritten by Allianz: Actual Vet Bill as defined by the fees regularly charged and incurred for a given treatment or procedure by the treating veterinary facility.
Max Payout Annually Bronze Plan - Annual maximum payout $8,000

Silver Plan - Annual maximum payout $12,000

Gold Plan - Annual maximum payout $20,000
Max Lifetime Payout PetPlan does not have a maximum lifetime payout
Max Payout per Incident PetPlan does not have a maximum payout per incident
Max Payout Based on Body System PetPlan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $7.80 - $64.00 depending on the deductible, co-pay annual max, age of pet, your location, etc.

 

Additional Info
My Review PetPlan Review
What are Customers Saying? PetInsuranceReview.com
Better Business Bureau bbb.org
American Animal Hospital Association Seal of Acceptance No
Additional Info For PetPlan pet insurance, there are specific dog breeds that have a lower age limit and different terms and conditions Contact PetPlan for a list of these breeds and any additional limits regarding these breeds.


**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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