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Compare Petco Pet Insurance
Comparison Fact Sheet
Updated 1/30/2024
To get the most from these sheets, please read
the Guide to Pet Insurance
first.
NOTE: Nationwide now provides insurance for the Petco brand. Nationwide has many plans and at the time of this writing, it is unclear which Nationwide plan/s are available to Petco customers and if there are any Petco specific features. It appears that Petco's plan may be Nationwide's Modular Plan but certain links on Petco's website go to Nationwide pages that have all of Nationwide's plan's listed.
If you buy a plan through Petco's brand, make sure you throughly understand what you are getting with your policy.
Company Name |
Petco |
Also Known As / Affiliates / Partners |
Petco has partnered with Nationwide to provide pet insurance. |
Address |
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Phone |
844-244-3649 |
Website |
www.petco.com/shop/en/petcostore/insurance |
Plans That Provide Both Accident and Illness Coverage |
Petco Accident and Illness Plan* |
States Covered |
Not Clear |
Underwriter and AM Best Financial Strength Rating |
Insurance underwritten by Veterinary Pet Insurance Company (in California) and National Casualty Company (in all other states)
Veterinary Pet Insurance Company has an AM Best Financial Strength
Rating of "A" and an Outlook of "Stable" as of 1/30/2024.
National Casualty Company has an AM Best Financial Strength Rating
of "A" and an Outlook of "Stable" as of 1/30/2024.
For the most recent ratings go to: AM
Best
|
Year Company Started |
Petco has partnered with Nationwide Pet Insurance. Nationwide acquired VPI in 2015. VPI was started in 1982. |
Policy Term |
Not Clear |
Effective Date |
The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted. |
Enrollment Age |
Not Clear |
Cancellation Policy |
Ask for a current copy of their insurance policy so that you may review their cancellation policy |
Waiting Period |
14 days for illness
14 days for accidents
It is not clear if there is a waiting period for hip dysplasia or cruciate and meniscal damage.
**Waiting Periods can vary by state. See actual policy or contact Petco to confirm the waiting periods for your state.
|
Waiting Period for Cruciate Injury |
Not Clear |
Coverage When Travel Out of State or
Country? |
You can choose any licensed veterinarian worldwide |
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 by how much your premium may increase. |
Does Coverage Stop Due to Age? |
No |
What Happens when the Policy Renews? |
Not Clear
|
Can the Price of the Policy Increase
if a Claim is Filed? |
Not Clear |
Choice of Vet? |
You can choose any licensed veterinarian worldwide |
Money Back Guarantee? |
There is a 10 day money back guarantee. They will refund your money in full as long as you have not filed a claim.
*May vary by state
|
Surcharge for Visiting a Specialist or Emergency
Clinic? |
No |
Referral needed to Visit a Specialist? |
No |
Pre-certification Required? |
No |
Additional Requirements |
**See actual policy or contact Petco 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 is NOT Available on Petco's Site |
Species Covered |
Dogs and Cats
Petco, through Nationwide, covers birds and exotic pets - See Nationwide Pet Insurance (Birds and Exotic Pets)-Comparison Sheet
|
Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
|
Illness - Baseline Coverage |
Not Clear |
Behavioral Therapy Coverage |
Not Clear |
Alternative Therapy Coverage |
Not Clear |
Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
According to website a pre-existing condition is "Any condition that began or was contracted, manifested or incurred before the effective date of the policy or during any waiting period is considered pre-existing and therefore not covered under our medical plans."
"...If a condition has been noted as pre-existing and excluded from coverage, the condition may be eligible for coverage once the condition has been deemed cured by the attending veterinarian and your pet has been treatment-free for at least six months (including dietary or medical management). Chronic conditions or conditions that cannot be cured are not eligible for review."
**See actual policy or contact Petco for complete description of their pre-existing
conditions policy. |
Hereditary & Congenital Conditions Coverage |
Not Clear |
Continual Coverage for Chronic Conditions
|
Not Clear
|
Chronic Conditions Policy |
Not Clear |
Cancer Coverage |
Not Clear |
Cancer Coverage Limits |
Not Clear |
Hip Dysplasia |
Not Clear |
Prescription Drug Coverage |
Not Clear |
Pregnancy Coverage |
Not Clear |
Routine/Wellness Coverage |
[OPTIONAL]
**See actual policy or contact Petco for complete description of their Wellness Coverage |
Vaccinations |
See Routine/Wellness Coverage
above for details |
Spay/Neuter |
See Routine/Wellness Coverage
above for details |
Dental Care (Routine) |
See Routine/Wellness Coverage
above for details
|
Dental Care (Illness/Accident) |
Not Clear |
Bilateral Conditions Policy |
Not Clear |
Coverage - Overview (please
read policy for full coverage details) |
Not Clear |
What's not Covered - Overview
(partial listing, please read policy
for full details) |
Not Clear |
Reimbursement |
Choose from 50% to 90%
May vary by state.
|
Deductible |
$100, $250, or $500 annually
May vary by state.
|
Flat Deductible vs % Deductible |
Flat |
Deductible Per Incident vs Annual Deductible |
Annual deductible |
How is Reimbursement Determined |
Not Clear |
Max Payout Annually |
$5,000 or Unlimited annual maximum payout.
It is not clear if there are additional limitations.
|
Max Lifetime Payout |
This plan does not appear to have a maximum lifetime payout. |
Max Payout per Incident |
This plan does not appear to have a maximum payout per incident.
|
Max Payout Based on Body System |
This plan does not appear to 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. |
Approximate Monthly Costs |
Approximately $22 - $120 depending on plan, your location, etc |
My Review |
Petco Review |
What are Customers Saying? |
Check with your state's Department of Insurance to see if any complaints have been filed for this company. |
Better Business Bureau |
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Additional Info |
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*The information in the above charts
applies to Petco's Accident and Illness Plan only. For
information on other plans, please contact Petco.
**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 contacting the company or reading the most current policy for your state. 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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