≡ Menu

PetPlan Insurance Company Review

Are you looking for a good and comprehensive pet insurance company?

It is essential to choose the best pet insurance company for your furry friend to be stress-free about your pet’s medical care bills while being able to provide them with the best possible medical care you can.

There are a lot of pet insurance companies you can choose from but, it takes a lot of research to pick out one that fits your budget and covers all essential things.

In this blog post, we will review the PetPlan Insurance Company and help you figure out whether or not it is the right choice for you and your furry friend.

Let’s begin, shall we?

An Overview: PetPlan Pet Insurance Company

PetPlan Insurance Company has been recognized as one of the best pet insurance companies and is recommended by breeders, vets, and customers alike. The insurance company has a 97% customer satisfaction rate which is awesome.

The reason for this high customer satisfaction rate is because the company does not terminate care due to illnesses, injuries, or old age.

PetPlan also offers hereditary, congenital, and genetic coverage with its plans.

Here is what the company offers:

  • Insurance for your pet regardless of the age and there aren’t any policy exclusions for hereditary and chronic conditions!
  • Paperless claims through mobile apps
  • 24/7 customer service hours

PetPlan also reimburses you for vet exams and fees and provides full coverage for dental diseases and injuries which are included as a standard in the policy. Not just that, the company also provides coverage for hereditary conditions such as hip dysplasia as a standard in the policy.

PetPlan Coverage and More

PetPlan offers comprehensive coverage and they handle accidents and new illnesses due to hereditary and congenital diseases as well—which is something that most pet insurance companies do not offer.

PetPlan also covers advanced testing, rehabilitative care, holistic therapies, hospital stays etc. along with non-routine vet exam fees.

That’s not all, though.

PetPlan also offers dental injury and treatment of any periodontal disease as well as other curable pre-existing conditions after the 365 day exclusionary period.

Take a look:

  • The company covers dogs as well as cats
  • It allows unrestricted vet selection and out of state coverage as well

Medical Conditions and Treatments Covered by PetPlan

Following are the medical conditions and treatments covered by PetPlan. Take a look:

  • Accidental Injuries
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care

PetPlan Pet Insurance: Benefit Limits, Reimbursements, and Deductibles

In this section of the blog, we will cover the benefits limits offered by PetPlan Insurance company as well as the deductibles.

Let’s begin.

Benefit Limits

It is important to note that PetPlan doesn’t offer across the board unlimited coverage but does allow you to have more flexibility in choice as well as annual benefit limit. You can set PetPlan’s annual limits at”

  • $2,500
  • $5,000
  • $10,000
  • $15,000
  • $20,000
  • $25,000
  • Unlimited

This is of a great advantage to you if you research the costs and types of conditions that your pet breed is prone to getting and combine it with the cost of treatment in those areas.


PetPlan pays you a predetermined percentage of the actual veterinarian bill after you meet your deductibles. The insurance company follows an actual reimbursement model and the percentages available are:

  • 70%
  • 80%
  • 90%


When you compare PetPlan to other insurance providers, you come to find that the company offers very flexible deductible schedule and also allows its customers to choose the deductible levels between $100 to $1000.

If you can meet a deductible of a higher end, you will be paying lower monthly premiums.

The company operates on an annual deductible which means that you have to meet the one deductible even if you don’t have an incident during that time. The minimum deductible offered by the company is $100 and the maximum is $1000.

PetPlan Enrollment, Waiting Period, and Claims

It is important to know the enrollment as well as waiting period for a pet insurance company beforehand.

Let’s take a peek:

PetPlan Enrollment and Waiting Period

Dogs and cats as young as six weeks can be enrolled in PetPlan. And, unlike other pet insurance companies, PetPlan does not have an upper age limit, which means that even older animals can get covered by the plan.

  • Accident coverage begins after 5 days of enrollment
  • There’s a 15-day enrollment period for illnesses

Medical records are required by the company when you’re filing a claim. However, they aren’t necessary when enrolling.

PetPlan Claims Process

With PetPlan, the process of filing a claim is quite simple.

Following are the steps you need to take:

  1. Log into your account
  2. Print the personalized pre-filled claim form which is barcoded for fast processing
  3. Complete and sign the form
  4. Fax it to 1-866-599-4654 or email it to claims@gopetplan.com. You can also submit it via the company’s app for iOS or Android
  5. Remember to include the paid itemized receipts as well as medical records release form

If you are filing a claim for the very first time, you need to sign and forward a copy of the Medical Record Release Form to all veterinarians (including specialist and emergency vets) that your pet has visited for at least the past two years (or for as long as you have had your pet).

How Long is the Claims Process?

The company pays the claims within 30 days of receiving a complete claim submission which includes all of the requires medical records, a signed claim form, and invoices.

Typically, the company pays the claims within five to fourteen days of submission.

Summing Up: PetPlan Pet Insurance Review

The PetPlan Pet Insurance company is one of the best pet insurance companies available to choose from. The best thing about the company is that it doesn’t have an upper age limit for coverage—which means that older pets are covered under the insurance as well.

Isn’t that amazing!?

Other than that, the company is well-reputed and  is recommended by breeders, vets, and customers alike. The insurance company has a 97% customer satisfaction rate which is awesome.

But it always…

Important to understand that while Figo is a great pet insurance company, they are jsut one of several that you will want to consider.  For more information on who we feel currently offers the “best” pet insurance policies out there, we would encourage you to check out our Best Pet Insurance Policies article.

Do you have questions? Leave them in the comments, and we will get back to you as soon as possible.

{ 2 comments… add one }
  • Laurie D. December 29, 2019, 6:07 am

    Will it cover muscular dystrophy? I might be adopting a 9 week old puppy from a rescue & I dont think any testing was done to determine for sure he has muscular dystrophy but a blood test & muscle biopsy will need to be done for that,otherwise his vet Bill’s would be minimal

    • indulgeyourpet December 29, 2019, 9:09 am


      That’s a great question and one that we would recommend that you ask a PetPlan representative directly. This is because we know that usually, what you’ll find is the most pet insurance plans will have some type of provision against insuring animals with already diagnosed pre-existing medical conditions, but it sounds like you’re not sure if your puppy has any. By speaking with a representative directly, you can make sure that you get the right advice without taking any chances.

      Lastly, good for you with regards to your adoption, we here at IndulgeYourPet hope everything works out for you!


Leave a Comment