Petplan Pet InsuranceReviews of gopetplan.com

My cats have been insured with Petplan for many years. When I started with them they were a great company - fair and ethical. No more. Although they have continuously told me that I could submit my claims anytime, now they are saying that might not pay because the claims are way past ninety days. They are reviewing the claims to see if they will pay. I have paid in thousands of dollars in premiums over many years. I could have put that money in an interest bearing account. Instead it has sat in Petplan’s account. I have a new cat which I have not yet insured. Whether I insure or not depends on how PetPlan handles my claims.

When I got my puppy he had some flea bites that were clearing up, a year later he was biting his legs, vet seemed to think he had a flea allergy, Petplan wouldn’t pay as they said he had fleas bites as a puppy. The vet wrote them a letter to say it wasn’t related. But they said no it was the same. Another year later the problem came back, but I then found out it wasn’t a flea allergy he was allergic to grass over spring- summer. Petplan said it was the same thing I wasn’t insured ! . My vet was furious as this has happened before to other clients. So now if he has any skin problems he is not insured because he had some flea bites as a puppy. !!!!!!!

How this company has almost a five star rating is beyond me, despite the fact that it has one bad review after another on most forums and sites, including this one. This company will gladly take your monthly premiums, but the moment you start to submit any kinds of claims or your pet simply starts to age beyond one year of age, they will decrease your coverage and increase your premiums without giving you any kind of real justification other than the obvious that they want your money but they don't want to ever pay out any claims. They take forever to process any claims you submit, jack up your premiums by ridiculous amounts after year one, the customer service is a joke and they just outright price gauge and rip off their customers and feel absolutely no remorse for doing so. I would NEVER recommend this company to anyone. Go with Trupanion - a company that does indeed genuinely care about your pet and their health vs. just your money and wallet like Petplan. Our other dog is insured with them and we regret to this day having been talked into trying Petplan and going with them for our second dog. Worst mistake ever. DO NOT give this con artist company any of your hard earned money - as you'll get nothing in return when your pet truly needs the coverage you thought you were paying for! Shame on you Petplan - for claiming you care about consumer's pets when clearly all you care about is the almighty profits!!

I have used dog insurance for 10 years and I have been a Petplan member for three of those years. I recently received a renewal notice from Petplan for one of my dogs and my insurance coverage was lowered without my consent. My premium even went up with the lower coverage!! When I contacted Pet plan, they tried to justify this drop in coverage by saying they were trying to “balance” things out for the amount of claims I have submitted for this pet and for his potential future claims! Basically penalizing me for using the insurance! I hadn’t even used it excessively!! Nick from Petplan also tried to relay to me that other pet insurances have the similar policies. I called Healthy Paws and Pets Best and I verified with them that they will never change coverage without the clients consent and definitely not based on the number of claims submitted! I should’ve realized last year there was a problem when one of my other pets premiums at Petplan went up by 40-45%, with their justification then being that there was a large amount of claims in my region with my particular breed of dog (Chihuahua mix), that they had to raise the premiums. Once again I was being penalized, this time for my dogs breed, with other people’s claims....not even mine! Petplan is very misleading!! Petplan also has the largest overall increase in yearly premiums and longer than usual turn around times in reimbursement, that I have seen in my experience with dog insurance. I understand that premiums increase yearly , but to decrease my coverage because of current claims and potential future claims? Nick couldn’t even tell me exactly where it is listed in my policy that this could/would occur. That’s a terrible insurance company!! I would NEVER recommend Petplan to anyone after this!!

If I could rate your company it would be a 0! 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.

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!

As an Insurance policy, the policy should cover something. I am writing this feedback after i just got off the phone with your company from finding out that none of my pet's recent veterinary bills would be covered. I will not go into details about what was not covered, but the procedures were surgical in nature. I am primarily writing to share my disappointment with your company's terms and conditions and corporate-focus. As an insurance company, just like humans, an insurance policy for pets should cover services that could prevent a pet from needing to file claims with you. This is a form of corporate greed your company has chosen. Your company chooses to not prevent potentially life-changing events, which in-turn drives said pet to need your services. This is a backwards corporate policy. I can understand routine checkups not being covered, but in the instance of spaying/neutering, your terms and policies directly contradicts itself. Your company chooses to not cover spaying/neutering for the sole fact that so more pets can be born, for a chance that that pet gets covered under a Pet Plan policy. This is corporate greed. The contradiction comes in from the fact that you state that your company does not cover pet pregnancy. This is gross. You do not cover the prevention of a life-changing event (Spaying/Neutering), nor do you cover the result of your initial choice (Pregnancy). Secondarily, another contradiction, your terms and policies recognize pet theft, but the hoops your terms make someone jump through are egregious. The contradiction is that your company does not cover pet micro-chipping. The simple fact that your company's terms and conditions are more 'exemptions' than coverage benefits. I know someone in your organization may skim over this complaint, disregard it and nothing will be done about it, but i hope i am wrong. The world is changing where more and more people my age are getting pets. Pets are our children. If your company were to include preventive care, more people would open policies for their pets. Your company terms and conditions need to be brought up-to-date, into light with the current world. Preventive care not only benefits your company with more policies, but ultimately benefits the pets we call our children, and extends the life of our pets. Longer pet life = longer pet policies. Simple business case, but your company chooses to focus on greed rather than putting the pet first. It is for these reasons that i have cancelled all of my pet's policies, effective today. I can only hope this grievance is met by the correct eyes in your organization to implement change.

I honestly am so upset at myself for not doing research before going with PetPlan. My dog has been relatively healthy up to this point (9 years) but lately has had some issues with recurring bladder infections as well as heart issues. EVERY single time I submit a claim with PetPlan, I get an email saying my claim will be reviewed within 10 - 15 business days. I've not once had a claim reviewed and finalized earlier than ONE MONTH!. Not only that, they currently owe me about $1,200 over three claims and one cheque (around $600) I have been waiting for for TWO MONTHS!!! This is completely unacceptable for a business to run this way. I am now experiencing some financial hardships and really need this reimbursement but every time I reach out to them they come up with one excuse after the other (the mail must have gotten lost, etc.). I have never had any mail get lost so there is no way this can happen twice in a row. Honestly, if it wasn't that I could never live with myself if my dog got seriously ill and I didn't have coverage, I would have cancelled months ago. DO NOT GO WITH PETPLAN!