A Vet's Guide To Pet Insurance
Compare PetPlan Pet Insurance
Comparison Fact SheetTo 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 | New insurance policies are underwritten by AGCS Marine Insurance Company (a member of the Allianz Group). AGCS Marine Insurance Company has an AM Best Financial Strength Rating of "A+" and an outlook of "Stable" as of 5/1/13. 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. There is no upper age limit. |
| 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. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
| 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. Primary veterinarian must be a member of the American Veterinary Medical Association, which is a voluntary organization. |
| 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? | For policies underwritten by Allianz, the co-pay is 20% in the following
situations:
|
| 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 online |
| 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 | [INCLUDED] Behavioral Therapy is included with monetary limits depending on the plan you get. You will be covered if your veterinarian believes it is in the best interest of your pet and refers your pet to a licensed vet accredited in behavioral therapy. The behavioral consultation must be to diagnose and treat behavioral problems where an underlying medical condition is the cause of your pet's behavioral issues. Coverage does not apply to obedience training. (Note: A licensed vet who is accredited in behavioral therapy is considered a specialist, therefore the specialist copay may apply here.) **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 terms and conditions policy, a pre-existing condition is "...a medical condition which first occurred or showed clinical sign(s) or symptoms before the effective date of this policy or which occurred or showed clinical sign(s) or symptoms during the policy waiting period." 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), Behavioral Therapy (with monetary limits). (Refer to each 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) |
|
| How The Policy Works | |
| Co-pay | You can choose from 0%, 10% or 20% Co-pay is 20% 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 illness/injury per policy period. |
| Flat Deductible vs % Deductible | Flat |
| Deductible Per Incident vs Annual Deductible | Per illness/injury per policy period |
| How is Reimbursement Determined | For policies underwritten by AGCS Marine Insurance Company: 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 | |
| Get A Quote | Get A Quote |
| My Review | PetPlan Review |
| What are Customers Saying? | PetInsuranceReview.com |
| Better Business Bureau | bbb.org |
| Additional Info | If your pet has not been examined by a primary care veterinarian within the twelve (12) months prior to the effective date of the policy, you must have your pet examined within the first 30 days. This examination will be used as the basis for determining any pre-existing conditions. In addition, Petplan insured pets must be seen annually for wellness check-ups. |
**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.
**Copyright: You are more than welcome to link to this website, in fact, it is greatly appreciated. However, a lot of time, energy and effort went into the production of this material so please do not copy and paste the contents of this chart/website into your website or written material.
If you use data from this website as a research point for your own website or written material, you must cite Pet-Insurance-University.com as the source.
All names, logos and trademarks in this site are the property of their respective owner(s).
↑ Top
Classroom
Research Library
Copyright © Pet-Insurance-University.com. All Rights Reserved 2008
- 2013.
No part of this website can be reproduced in any form without the
express permission of the author.