Petplan Pet InsuranceReviews of gopetplan.com

Petplan is horrible. After spending weeks collecting documents from EVERY vet office our dog visited, our claim was denied due to a pre-existing condition. The pre-existing condition was that our dog had some watering out of her eye as a puppy prior to purchasing coverage and the vet attributed it to allergies. Be warned, if you have ever brought up ANY concern about your dog prior to buying coverage then they can use it as a reason not to pay a claim. I should have taken the $65/month premium and thrown it in the trash because that is where it went.

As with other long term policy holders, my premiums will increase and for me it will be by 40%. That's not acceptable but I'm held captive because my little boy has a condition that requires meds and monitoring so I can't go elsewhere. I have praised Petplan to everyone I came across for the 8 years that I've had it. Now I will tell people not to go with them because you can't trust what they will do. And to me, trust is everything. I had heard they were going to increase premium about 6 months ago so I called and was assured that would not be the case. Let's see if I will get a "private message" as other's have from Petplan.

I was a mostly satisfied customer until this contract renewal in 2017. Company changed underwriters and premiums/deductibles went way up. I could almost bank that premium amount in a pet medical savings account each month and come out ahead. I have older pets with pre-existing conditions so change may not be an option for me, but I would if I could!

They are doing everything to avoid paying you. Dishonest business. My vet sent them the documents they asked 4 times. I know that because they've also sent a copy to me. When they finally acknowledged receipt, they had closed my claim because they "can't keep it open forever". They then requested a letter from my vet which they received the same day. 10 days later and my claim is still closed. When I called, I was told that yes they've received it but "it has just been sitting there for some reason, maybe the claims assessor is away". Avoid!

I adopted my dog Theo, about 2-3 years old, on December 3, 2016 from a local animal shelter. Theo had been to the vet, was neutered, microchipped, vaccinated, and on antibiotics for a rash. Besides being underweight and the rash, nothing else was known to be wrong with him. A few days later (12/8) I took him to a vet closer to my house to get him checked out a second time, just to be sure he was okay. He had a bit of a cough, and they treated him for kennel cough with prednisone. Kennel cough can last about 3-4 weeks. The new vet scheduled him to get bloodwork done and to be heartworm tested so he could begin preventative treatment (you cannot give dogs heartworm treatment safely without first testing them). I purchased veterinary insurance from PetPlan on December 13, 2016. On December 14, 2016 he was given the heartworm test so that he could begin prevention treatment, and on December 15, 2016, he came back with a positive result for heartworms. The shelter offered to treat Theo at no cost through their vet. I made no claims through PetPlan for this. The shelter treated him for two months with doxycycline, prednisone, and preventative medicine to prepare him for immiticide treatments at the end of February. He was kept on strict rest, not allowed to run or play with other dogs, and had restricted exercise. On February 10, 2017, Theo stopped eating, and became very lethargic. His urine started to darken and turn to a dark red, and his gums were very pale. (These signs and symptoms began February 10, 2017, outside of the 15 day waiting period for PetPlan). I took him to the ER vet, and they recommended to get him tested the next day by my primary vet. The next day, February 11, 2017, I took him to my primary vet, where he was evaluated and sent to a nearby Animal Hospital. The hospital did many diagnostics and determined he had caval syndrome - he had so many worms that they clotted and got stuck in his pulmonary artery. The only options for Theo’s treatment were an emergency surgical removal of the heartworms or euthanasia. I called PetPlan with this diagnosis (February 11, 2017), asking about coverage. The representative said they would need to see records that he had been taking preventative medicine for 12 months in order to cover this surgery. I told them I had only had Theo for 4 months and they told me to fill out a pre-authorization form. Despite this, I needed to make a quick decision, and I chose the surgery, as I believed this situation, while caused by the heartworms, does not happen in every dog with heartworms and could therefore be covered, at least in part by PetPlan. I think Theo deserved a second chance at life and did not want to put him down. I now also believe PetPlan would not have covered the euthanasia, had I chosen it. PetPlan has covered 0% of my bills: none of the emergency examinations, none of the diagnostics, and definitely not the surgery. They are claiming that he had a preexisting condition and that he had signs and symptoms within their “15 day waiting period”. However, the vet confirmed with a letter to PetPlan that at the time of purchasing insurance (12/13), Theo had been diagnosed with kennel cough. The cough would have been the only symptom that was showing at that time, and it was not yet diagnosed as being heartworms until 12/15. I could not have prevented Theo’s heartworms, I could not have predicted he had heartworms when I adopted him, I assumed he had been tested by the shelter, and I did everything I could to get him better and to get him on the preventative medicine. I believe PetPlan is using semantics to avoid paying for any of my bills, and I do not think it is fair or justified. They will not even give me the premium I paid despite covering 0% of anything during the time I was “covered.” What is the point of pet insurance if not for times like these?

I have been paying premiums for 2 dogs for over 2 years to the tune of several hundreds of dollars. They have paid only $70 in claims and have denied absolutely everything else. Just got a visit for an ear infection denied because they say since she had an ear infection when we rescued her from the shelter 2 years ago that the current ear infection is a "pre-existing condition."

After months of premium payments and no issues, my poor pup developed an aversion to touch to much so that she winces in pain if you touch her. I took her to a vet who suggested a neurology work up was in order to rule out brain lesions or disc issues. I called Pet Plan to make sure my animals bills would be covered ($3700.00) and they said they would. After all work had been done I submitted my claim and was denied because my dog had been seen for anxiety months before. Despite being sent a letter from my vet stating the two conditions were unrelated, Pet Plan still did their job as an insurance company and denied my pets claim. We still have no answers as to why my dog is in pain and now cannot afford to see any more specialists. This company is garbage. Way to stand behind your customers.

I've been a happy customer for years. But no more. I just had to cancel my plan because I found out Petplan is quadrupling its rates. That's cost prohibitive for me and I'm sure many other people. Here's what they had to say about the rate increases: "Since our previous underwriter decided to leave the pet insurance industry we did have to locate a new underwriter which would maintain our high level of coverage. We did have to readjust our rates with the new underwriter as we found we were undercharging for the plans in the past."