Petplan USA Pet Insurance

   
Company:
Product: Silver Plan
Pet Covered: Dog / Cat
Quote via this site:
Level of Coverage  
Accident Yes
Illness Yes
Routine Care No
Sample Insurance Quotes  
Dog Quote 1 $25.28/month
Dog Quote 2 $566.19/year
Dog Quote 3 $33.07/month
Dog Quote 4 $31.21/month
Cat Quote 1 $13.72/month
Cat Quote 2 $164.51/year
Cat Quote 3 $10.74/month
Cat Quote 4 $11.46/month
Accident Coverage  
Veterinary Visits Yes
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Yes
Surgery Yes
Hospitalization Yes
Dental Injury Yes
Illness Coverage  
Veterinary Visits Yes
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Yes
Surgery Yes
Hospitalization Yes
Dental Illness Yes
Routine Care Coverage  
Wellness Exams No
Standard Vaccinations No
Heartworm Testing No
Flea & Tick Prevention No
Heartworm Prevention No
Spay/Neuter No
Preventive Dental Care No
Additional Coverage  
Pre-Existing Conditions not covered
Hereditary Conditions yes

Hereditary conditions covered without dollar or time limits.  Lifetime coverage is contingent on the policy being renewed each year without any break in coverage.  Subject to annual policy limits of $8,000, $12,000 or $20,000. Limits are replenished in full on renewal.

Congenital Conditions yes
Chronic Conditions yes
Cancer yes

Petplan policies provide the most comprehensive reimbursement for veterinary fees relating to treatment administered by a licensed veterinarian for illness or injury (provided that it is not pre-existing or occurred during a waiting period) including cancer treatment, regardless of the type of cancer.

Hip Dysplasia yes
Alternative Therapies yes
Behavioral Therapy no
Special Diet Foods no
Pregnancy no
Travel Coverage yes, within USA
Boarding Fees $250
Advertising & Reward $250
Loss Compensation $250
Death Compensation no
Vacation Cancellation no
Euthanasia no
Burial or Cremation no
Policy Features  
Deductible Type per condition/illness
Deductible Amount $200; option $50, $100
Co-Pay Amount 20%; option 0%, 10%
Claim Payment Basis actual fees
Incident Limit none

Petplan covers injuries and illnesses for life with no dollar limits per condition.

Annual Limit $12,000
Lifetime Limit none
Routine Care Limit not covered
Waiting Period - Accidents 24 hours
Waiting Period - Illness 14 days
Waiting Period - Routine Care not covered
Waiting Period - Cruciate Injury info unavailable
Policy Term 1 year
Money Back Guarantee
Period
30 days

You will have an initial free-look period after you receive your Welcome Pack and Policy Documentation. You can cancel your policy at any time within this free-look period and provided that you have made no claims you will receive a full refund.

Claims Process mail

To assess your claim in a timely and efficient manner we require the following documentation from you:

    * A fully completed claim form signed by both you and your veterinarian
    * The original invoice<

Renewal Terms lifetime coverage

Lifetime coverage is contingent on the policy being renewed each year without any break in coverage.  Annual limits are replenished in full on renewal.

Cancellation Terms Cancellation Terms

Policy owner may cancel at any time on a pro-rata basis after initial free-look period.  Company may cancel due to non-payment of premium.

Choice of Veterinarian yes, within USA
Pricing & Discount Features  
Age Rating Yes
Breed Rating Yes
Location Rating Yes
Microchipped Pet Discount yes
Spay/Neuter Discount no
Multiple Pet Discount yes
Service Pet Discount yes
Military Discount no
Employer Group Discount yes
Veterinary Staff Discount yes
Affiliation/Partner Discount yes
Online Discount yes
Annual Payment Discount yes
Pet Coverage Criteria  
Minimum Enrollment Age any age
Maximum Enrollment Age Dogs 8 years (5 years for select breeds); Cats 10 years
Maximum Age for Renewal unlimited
Exclusions or Limitations Select Breeds

Maximum enrollment age is 8 years for standard dogs and 5 years for Select Breeds.

Petplan classifies the following breeds of dog as Select:

Aidi, Akbash Dog, Appenzeller Sennenhund , Argentine Dogo / Dogo Argentino, Beauceron, Bernese Mountain Dog, Black Russian Terrier, Bloodhound, Boerboel, Bulldog (all Bulldog breeds), Bull Terrier, Ca de Bou / Perro de Presa Mallorquin, Canary Dog /Presa Canario, Cane Corso , Cão de Fila de São Miguel, Chinese Chongqing Dog, Clumber Spaniel, Coonhound , Deerhound /Scottish Deerhound, Doberman Pinscher, Dogue de Bordeaux /French Mastiff, Dutch Sheepdog / Schapendoes, Entlebucher Sennenhund, Fila Brasileiro /Brazilian Fila , Gran Mastin de Borinquen, Great Dane, Great Pyrenees / Pyrenean Mountain Dog, Greater Swiss Mountain Dog, Griffon Brabancon, Irish Wolfhound, Kangal Dog, Landseer, Leonberger, Maremma Sheepdog, Mastiff (all Mastiff breeds), Mioritic Sheepdog, Newfoundland, Ovtcharka, Rottweiler, Scottish Terrier (Scottie), Saint Bernard, Shar-Pei, Staghound , Tibetan KyiApso, Thai Ridgeback, Tosa Inu

These breeds display a higher degree of frequency and severity of disease and as such different terms and conditions apply including a lower age limit for new enrollments.

Petplan does not offer coverage for any wolf or wolf hybrid or for cloned pets.

Pre-Certification Required yes
Company Information  
Year Started 2006
State Licensing all 50 states
All Petplan policies are sold on an admitted basis which means that policy forms, rates and rules are subjected to extensive review before being approved by the states in which they are available.
Partners & Affiliations PetplanUK, US Humane Society