PetPlan Pet Health Insurance Review
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PetPlan Health Insurance For Pets - Company Overview
PetPlan originally started providing pet health insurance plans in 2006. Even though they are a small company of less than 200 individuals, they are one of the leading pet insurance providers in both the United States and Canada. Their Pennsylvania office, is more than just pet-friendly, they have a feline foster care facility, where they look after cats who have not yet found their forever home. They also created The Petplan Charitable Fund, to help facilitate health and welfare for animals. With customer service agents they call “happiness managers”, customer relationships are an important component of the company’s business model.
Is PetPlan Pet Insurance Worth It?
PetPlan is known for its excellent customer service and simplistic policy setup; they only have one comprehensive plan available that includes illnesses and injuries. Customers can pick and choose plan deductibles, benefit amounts, and reimbursement levels to build a plan that works for their needs. Available plans also cover prescriptions, diagnostics and alternative therapy treatments. Whether not not a PetPlan pet health insurance policy it ultimately worthwhile will depend on the overall health of your pet. While a generally healthy pet may not cultivate a significant volume of reimbursements, costs associated with a critical illness or accident can become extensive and a pet insurance plan can result in considerable out-of-pocket savings.
Pros & Cons of PetPlan Pet Insurance
Cons
No wellness or preventive coverage is available
Accident-only plans are not available
Coverage for behavioral issues only applies if it is related to an underlying medical condition
A 15-day waiting period applies for both accidents and illnesses
Older pets over the age of 10 may have a limited reimbursement option and plans are higher
Deductibles are required for multiple types of services
Pros
There is no age limit to start enrollment; older pets can be covered
Discounts are available for service animals, veterans, and members active in the military
Plans cover congenital, chronic, and hereditary conditions pets may have
PetPlan offers a 30-day money-back guarantee
PetPlan provides customizable plans with varying deductibles, reimbursement levels, and payout limits
Types of Pet Insurance Plans Offered
PetPlan does not offer multiple types of pet insurance. Instead, they provide one comprehensive type of insurance coverage with multiple options to design a policy that works best for you and your pet. The one type of comprehensive coverage is simply referred to as the Comprehensive Plan.
You get the opportunity to pick between 70%, 80%, or 90% reimbursement rates with the Comprehensive Plan. Additionally, you can also choose your annual deductible and payout limits. Deductibles range in $50 increments from $250 all the way up to $1,000. PetPlan also has per-condition deductibles that you pay one time per type of treatment. For instance, if your dog is treated three times for the same type of condition, you will only pay a deductible one time annually. Annual and per-condition deductibles are reset every year when you renew your policy.
Benefit Limits
Plan payout limits can be $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, and unlimited. The higher the payout limit, the more expensive the monthly premium is going to be. If you do not go with an unlimited plan, your chosen limit will reset annually when you renew your policy for the year.
What Does PetPlan Pet Insurance Cover?
The Comprehensive Plan, which is considered an all-inclusive plan, covers:
Veterinary exam fees for non-routine procedures
Accidents, injuries, and illnesses
Cancer treatment
Prescription medications for life, including brand name medications
Surgical procedures and rehabilitation treatment after surgery
Non-routine dental care costs for things like tooth extraction or emergency root canal
Diagnostic treatments, including lab work, fecal tests, and urinalysis
Alternative therapy, which includes veterinary acupuncture, homeopathic treatments, and chiropractic adjustments
Referrals to specialists for specialized forms of care
X-rays, MRI, CAT scans and other imaging procedures
Costs associated with hereditary or chronic medical conditions
Coverage options also vary according to the age and type of pet you have. For example, some dogs are eligible for coverage for loss due to theft or straying, boarding kennel fees, and costs incurred due to vacation cancellation if your pet gets sick. All plans also includes 24/7 veterinary assistance through their website and mobile app, PetCoach.
PetPlan Pet Insurance Exclusions
PetPlan does have a few exclusions to consider, including:
Pre-existing conditions, which is defined as a condition that was present before policy enrollment
Costs associated with elective or optional procedures, such as dewclaw removal or tail docking
Costs relative to routine care or wellness exams
Bilateral conditions that existed before the onset of the policy on one side of the body
Costs related to pet ownership liabilities or incidents
Other Common Questions About PetPlan Pet Insurance:
Do vets have to be in-network?
PetPlan does not require that you visit a certain veterinarian or a vet in their network of providers to be reimbursed. You can continue to see your usual veterinarian.
How does PetPlan handle insuring older pets?
There is no age limit for pets who can be eligible for coverage with PetPlan. As long as an animal is over six-weeks-old, they can be covered. However, older pets may have lower reimbursement levels with all types of coverage depending on the situation.
Will there be waiting periods before benefits kick in?
From the date of the effective date of the policy, there is a 15-day waiting period before the policy will cover any injuries or illnesses. For six months after the policy begins, issues with hip dysplasia, cruciate ligaments, and patellas will not be covered. PetPlan waiting periods can vary slightly depending on the state where you live, so it's important to examine your individual pet insurance policy for details.
Does PetPlan offer any discounts?
A few discounts are available through PetPlan pet insurance. You may be eligible for a discount if your pet is a registered service animal, if you are a veteran, or if you are an active service member. Discounts are also offered for additional pets you enroll in coverage.
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