Petplan Pet Insurance Reviews

Petplan Pet Insurance

Overall Rating


11 Customer Reviews


PetPlan provides health insurance coverage for your pets that can help you pay for unexpected veterinary care due to illnesses or accidents. Learn how customers are rating this company.

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Customer Reviews

1.4 Stars out of 11 Reviews
5 Star:9% 4 Star:0% 3 Star:0% 2 Star:0% 1 Star:90%
9% Recommend This Company
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Posted on Oct 16, 2020


By Jane H., Auckland, New Zealand, Verified Reviewer

I feel that I’ve been conned. High premiums and they won’t pay my claim.

My dog ate something he shouldn’t and got sick. I took him to the vet and he’s on the mend. Petplan refused to pay out because he had eaten something he shouldn’t 19 months ago.

This is the last communication from them:

Please be assured that I understand where you are coming from - these are separate incidents.

However our policies talk in terms of clinical signs - and as advised the clinical signs are the same, as it would seem is the reason for them – ie repeated ingestion of items not meant to be eaten by dogs (foreign bodies in policy terms).

Length of Use: 2+ years

Bottom Line: No, I would not recommend this to a friend

Pros and Cons

No “pros” were specified in this review

They refuse to pay a legitimate claim

Helpful Review? 1 Person Has Voted

Posted on Dec 30, 2019

Horrible, Petplan is a scam!

By Michelle S., Utah, Verified Reviewer

If I could rate your company it would be a zero! You have basically taken all of my payments but paid out absolutely nothing that you said you would. I would not recommend this company to anyone! And I will be posting throughout the entire social network and on Google. I was lied to when I signed up and ripped off from non-payments.

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 1 Person Has Voted

Posted on Dec 24, 2019

Shame on Petplan!

By Stacy L., Orange County, CA, Verified Reviewer

Petplan denied coverage for surgery for my dog, claiming he had a preexisting condition, which he did not. I've been paying for this policy for 7 years, and could have paid for his surgery 10 times over by now. When I called to try to get them to reconsider or file an appeal, they had nothing to offer me but the "opportunity" to change to a lower level of coverage. Ridiculous!

Do not use Petplan. They claim to care but absolutely do not. Check out their Facebook page - there is a reason why they don't have a Reviews section on their company page.

I have so many friends and family with pets, including some who work with and in dog rescues, and they'll all be hearing about this. Shame on you, Petplan!

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 1 Person Has Voted

Posted on Jul 23, 2019

Annual checkups

By Loreen L., Johnstown, CO, Verified Reviewer

I have had Petplan Pet Insurance since February 2016. I got the initial physical done required to start the insurance. Never was I ever reminded to get an annual physical to keep coverage. But they did send me an annual reminder that my monthly premium will be increased the coming year. Every year I got that...So after over 3 and 1/2 years of paying their premiums every month, my dog got sick, I took him in, had a pet bill, sent in the bill, was DENIED, because he did not have an annual physical. My dog was never sick, so I did not take him to the vet...for an annual physical. This would have been his FIRST CLAIM. DO NOT get Petplan Plan Insurance for your pet! In my opinion, they will figure out a way for you to be denied!

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 2 People Have Voted

Posted on May 22, 2019

Excellent coverage and service! Really a life-saver.

By Marie B., Alexandria, VA, Verified Reviewer

I recently purchased pet insurance for my 2 cats. Unfortunately, just a few weeks after I made the purchase, I needed to use it for one of my cats. Their Customer Service Rep (Happiness Manager) could not have been more kind, understanding and helpful. She walked me through every step of the process and answered all of my (many!) questions. I felt good knowing that I could call and talk to someone 24/7. And rather than feeling like the company was trying not to reimburse me, I knew that they were behind me every step of the way, helping me and keeping in touch with me until I got my reimbursement just a few weeks after my cat got treatment. Happily, he is doing much better, and I could not be happier about the choice I made. There are many choices for Pet Insurance, but Petplan stands out as a company that treats people and pets with the care they deserve.

Bottom Line: Yes, I would recommend this to a friend

Posted on Apr 1, 2019

Petplan will not honor your claims

By Paul A., California, Verified Reviewer

I have been paying 4 years of premiums for 2 cats I cant came down with bronchitis. I submitted a claim for $2k to Petplan. They denied the claim. I have no faith that Petplan will honor future claims or your claim.

Bottom Line: No, I would not recommend this to a friend

Posted on Nov 4, 2018

Petplan is a scam operation

By Elliot N., Arizona, Verified Reviewer

They find all kinds of reasons to reject your claim. I had Petplan for ten years and when I went to file my first and only claim, a completely legitimate claim for a set of tests on a NON-PRE-EXISTING condition, verified by the vet, twice verified, they still rejected the claim. They will quickly take your money but then just as quickly find any spurious reasons to reject the claim. AVOID THIS COMPANY!

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 2 People Have Voted

Posted on Oct 20, 2018

Petplan, buyers beware

By David M., Anderson, SC, Verified Reviewer

Read the reviews online. I became a victim of the unethical, deceptive trade practices and trickery. Petplan took my money and denied Sparkle, a sweet rescue dog, medical treatment and told me to go after Heartguard for damaging my dog. Are they serious? What a scam this company is. The online reviews are exactly what happened to me.

I feel sorry for all these poor people that give this corporate giant Petplan their money and having their poor pets denied.

I am lodging a complaint to all government agencies that regulate Petplan and also the Pet World and AARP, etc.

I am opening a GoFundMe account for Sparkle and will expose Petplan to the world.

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 5 People Have Voted

Posted on Sep 11, 2018

They never pay you and keep asking for more info

By Teresia B., Little Rock, AR, Verified Reviewer

Worst company to deal with on claims. They continually reply they need more information and I provided everything along with my vet.

Don’t waste your money on this company, they will never pay you!

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 4 People Have Voted

Posted on Mar 23, 2017

Wish I could rate them 0

By Nancy Collins, Lexington, SC, Verified Reviewer

I enrolled my tiny Maltipoo at eight weeks. At nine months she was found to have a liver shunt, which is congenital and is suppose to be covered. Because my vet said she was tiny, they denied surgery to save her life. My vet fought them to no avail. They're heartless and told me there was not anything they would do to save my puppy's life. My Maltipoo site raised $4,000 to save her life. This company is a scam!

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 7 People Have Voted

Posted on Sep 6, 2016

Unethical practices, all smoke and mirrors.

By Ian Alexander Whitcomb, Dallas, TX, Verified Reviewer

Unethical practices, do not purchase a Petplan policy!

I purchased a Petplan insurance policy in February 2016 at the cost of $86.05 per month. I haven't needed to use it until August 2016 which means they have already collected $688.40 of my money for a policy that they haven't paid out a dime on.

My dog has an unidentified lump on her wrist which was noted by the vet prior to purchasing the Petplan policy. What this means is that the veterinarian noted in the patient log to have existed (one line), but it was never tested on or diagnosed to be a condition. Despite it not having gone undiagnosed Petplan chose to deny a pre-authorization to have the lump tested and removed. The reason for the denial was that it is considered a pre-existing condition simply because she was showing symptoms prior to purchasing the policy.

I spoke with a representative on the phone who explained a pre-existing condition to be “any condition that exists prior to purchasing the plan EXCEPT conditions in which the breed is genetically prone to getting (hereditary). For example, if a Daschund gets arthritis in its back they will cover the cost of treatment because the breed is prone to back arthritis.” Upon explaining this to me I inquired about whether or not they would cover my English Bulldogs hip dysplasia because, as a breed, they are genetically prone to getting the condition and are known to have the highest rate of hip dysplasia among any breed. She told me that despite it being a hereditary condition, it would not be covered because it is a pre-existing condition.

In addition to the lump on her wrist I submitted an official claim in the amount of $325 (or $800) regarding a condition that my dog was in fact treated for. My Petplan policy comes with a $200 deductible PER CONDITION. Instead of paying the difference ($325 - $200 = $125) they separated the claim into 2 different conditions involving allergies thus 2x $200 deductibles, neither of which were met therefore they did not pay a dime. I called them to point out numerous errors that were made across BOTH of the new claims where the amount applied to the deductible was less than it should have been. There was also the issue that without the Banfield wellness plan that I’m paying an additional $40/month for, the visit would have cost nearly $800. The difference in cost is very clearly stated on the vet invoice that was submitted with the claim. In other words, I’m paying Banfield for a discount that Petplan is knowingly taking advantage of and then taking MORE of my money to do so.

Upon requesting that they cancel my policy and refund me for the full amount that I have already paid them they refused to do so, stating that I had been using their service and that I chose to have the Banfield wellness plan in addition to the Petplan. I’m sorry, but that doesn’t make it ok for them to knowingly take advantage of people. Smoke and mirrors - knowingly stealing from me, extremely unethical.

Bottom Line: No, I would not recommend this to a friend

Helpful Review? 6 People Have Voted
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