Pet Plan Insurance: A top company in the USA!

Great Coverage for your Pet!

Pet Plan Insurance is one of my top choices in the Unites States. The plans seem reasonably priced and even their lowest level plan is pretty good.

Petplan was founded in London England in 1976. Today, over 1 million pet owners across the globe have insured their pets with Pet Plan Insurance.

They cover ongoing chronic conditions. Their site says that 34-40% of conditions are chronic and so this is important when deciding. Their site says “Petplan is the only US pet insurance provider to cover congenital and hereditary diseases with no dollar limits per condition. With a Petplan lifetime policy, your pet is covered for life”

From what I could see, they seem to live up to this policy.

Pet Plan Insurance seems like a transparent company, so that you won’t find out later that ‘it isn’t covered’.

The re-payment is not based on a benefit schedule.
And there is No dollar limits per condition (many companies have condition limits).

If you have an older pedigree dog, it could get pricey, but that is the cost of a dog such as a Great Dane…
This is probably because they cover Hereditary conditions, Hip Dysplasia, as well as Congenital conditions (as long as they’re not pre-existing).


Pet Plan Insurance claim to be the worlds largest pet insurance provider. They have coverage for pets in Netherlands, UK, Australia and the USA.


When I phoned the Pet Plan Insurance, I talked with Suzanne. She was very friendly.

It may seem Biased, but I was quite impressed with their plans (I have looked at all of the Pet Insurance USA Companies).

On this page I have 2 charts. The first one is to give you an overview of what the plans cost and cover. The second chart shows what each plan covers in detail.

USA Pet Insurance Reviews can be found or left here.

Snapshot Information Chart for Pet Plan Insurance

% indicates Co-payment.

click here to understand co-payments 

Plan Accidents and Illness Deductible (per incident) Max age limit to sign on Lifetime cover Price per month
Bronze (20, 10, 0%) 8000/ year Choose $50,100,200 no yes Dog: $17.86- 143.15 Cat: $11.81- 24.83
Silver (20, 10, 0%) 12000/ year Choose $50,100,200 no yes Dog: $19.71- 160.03 Cat: $12.37- 26.17
Gold (20, 10, 0%) 20000/year Choose $50,100,200 no yes Dog: $21.71-178.31 Cat: $13.00-27.66

The higher prices are for pets that are older pedigree dogs.

Insuring Pedigree dogs tends to cost a lot more with most companies unless the company doesn’t offer hereditary conditions.

Detailed coverage Chart for Pet Plan Insurance

Bronze Silver Gold
Vet fees Accident and Illness 8000/ year 12000/ year 20000/ year
Routine Care
Hereditary Conditions yes yes yes
Hip dysplasia yes yes yes
Death (replacement cost of pet) $1,000
Theft or loss $250 $500
Cremation or burial
Euthanasia yes yes yes
Boarding (if owner hospitalized) $250 $500
Holiday (trip cancellation) $1,000
Cover Abroad Canada Canada Canada
Behavioural problems yes
Prescription meds included included included
Dental (not teeth cleaning) Yes, but not teeth cleaning Yes, but not teeth cleaning Yes, but not teeth cleaning
Alternative treatment yes yes yes
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) yes yes yes
Lost/Stolen pet adds $250 $500
Third party liability
(dogs only)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident
Routine/Preventative care-(vaccinations, annual exams etc.) -are not covered.
Hereditary conditions- are covered.
Hip Dysplasia- are covered.
Death- Replacement price of pet if it dies due to illness or injury (if pet is younger than 8 years or 5 years for select breeds). See bottom of page for select breed list. You will be reimbursed upto $1000 for the Gold plan.
Theft or Loss- Will cover replacement price of pet if it is stolen or lost and all attempts to find your pet fail- $250 for the Silver plan or $500 for the Gold plan..
Cremation or Burial- is not covered.
Euthanasia – is covered.
Boarding- If you go to hospital for more than 96hrs, they will cover $250 for the Silver plan or $500 for the Gold plan.
Holiday- If you have to cancel or cut short a vacation so that life-saving heroics can be done to your pet. They will cover some of the replacement of the money lost due to canceling your vacation.
Cover abroad- you can travel to Canada, and get coverage for going to a Vet there.
Behavioral problems- are only covered under the Gold plan.
Prescription Meds- are included if they have been prescribed by a vet and are FDA approved for pets.
Dental-dental treatment is covered, but not Teeth cleaning.
Alternative treatment- If your vet recommends it (ex. Acupuncture, chiropractor), it will probably be covered.
Breeding, Fertility, Pregnancy- is not covered.
Medical devices- are covered.
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) – are covered- $250 for the Silver plan or $500 for the Gold plan.
Third party liability(dogs only)- is not covered.
Accidental Damage- is not covered.
Grooming and Bathing- is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- are not covered.



Some Common Questions:

Lifetime insurer (will Pet Plan Insurance cover on going conditions throughout a pets life)? 
Yes. They are a true lifetime pet insurance company.

If you want to better understand Lifetime Pet Insurance, check out this page!

10% Microchipped15% Veterinary medical professionals10% Medical services pet10% Multiple pets5% Online discountplus more for partnerships with organizations and employment.

Not all discounts are available in all states.These Discounts cannot be accumulated. The maximum is 15%.

Any vet or specific vets only? After hours vets or in home vets? 
Any vet in the USA is covered with Pet Plan Insurance.

Can the vet be paid directly?  
No, you pay the vet, and they will reimburse you, however on a case-by-case basis they may be able to pay your vet directly if they agree.

If not, How quickly are claims processed? 
10-20 working days.

Do they cover examination fee(if it relates to the injury or illness)? 

All breeds? 
No. They do not cover wolf or wolf crosses or cloned pets.

Do I stop getting coverage as my dog ages? 

Does age affect monthly price (as my dog gets older will the monthly premium go up)?  
Yes 3-11- 9-10% a year.

Do they put the monthly price up every year? By how much? 
They raise the premiums to keep pace with rising costs of veterinary care.

Do they serve all of USA? Is the monthly amount more depending on where I live? 

Waiting period? 
14 days for illnesses.
24 hrs for accidents.

Do rates increase with more claims/penalized for filing more claims? 

Maximum lifetime claim amount with Pet Plan Insurance? 
No. Only annual limits.

What is the co-pay? 
0,10 or 20%

Extras included? 
None to note.

Money back guarantee? 
30 days as long as you haven’t made any claims.



What Pet Plan Insurance doesn’t cover – claims that are directly or indirectly related to: 
• Pets under 6 weeks old.
• Pre-existing conditions.
• No coverage for activities that result from: breeding.
• Hunting IS covered, as well as Racing and Law enforcement if you tell them ahead of time.
• Treatment not recommended by a vet

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.


Select breed dogs:
The dog breeds listed below will not get the replacement price of the pet if it dies.

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


If you want to contact Pet Plan Insurance, give them a call at: 1866-467-3875
Mon – Fri 8:00 AM – 10:30 PM (EST)
Sat 8:30 AM – 8:30 PM (EST)
Sun 10:00 AM – 6:00 PM (EST)

And, whatever insurance you end up getting, please come back and Leave a review.

Thank you.


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– 2 plans to choose from.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget.

Healthy Paws Pet Insurance – More customizable plans created by people who love animals.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions.

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Petsafe – Unlimited coverage at reasonable prices.

Pets Best Insurance – Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion – one plan so it’s easy, you just have to pick the perfect deductible for you.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Pet Insurance Terminology – all the complicated terminology explained simply and easily.


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