Petplan Pet InsuranceReviews of gopetplan.com

Do not use PETPLAN. I have had my dogs covered since I got them...10 and 5 years ago. I did not mind the increase in fees, every company has to be profitable. BUT, recently my dog injured her knee. We took her in and a got a referral to a vet surgeon. After surgery we filed a claim for the 5K surgery. Our claim was denied because we did not take her in for a vet check up in the last year. Between our travelling and COVID, we did not make an office visit last year. Here's the thing. Our dog is healthy and happy. But (according to PETPLAN) anything found on the recent visit (the first visit after a year) is considered to be a preexisting condition and therefore this surgery was not covered. If our dog had an internal issue, like worms, our not getting a check-up and delaying treatment would have exacerbated her condition, requiring more extensive care. I can understand not covering this because it would have shown up and been treated earlier. BUT, a sudden and dramatic knee injury! That, by it's very definition, cannot be a PREEXISTING CONDITION. It would have not been on any previous exam and my not getting to a vet for a regular checkup did not create her knee INJURY or exacerbate her condition. So PETPLAN used their preexisting clause to deny my claim. I get it, they want to see that customers are taking care of their dogs. Let me tell you, taking a dog to see a vet once a year has very little correlation to how owners take care of their dog. However, the fact that these owners are paying for expensive pet insurance EVERY YEAR is a good indication that the dogs are well cared for. I have paid for 15 years of coverage to PETPLAN between my current two dogs. How about looking at the results of the exam that she got when we first took her into the vet right after injury, the blood work and all other exams were great. The only issue was the injury that had just happened. So, they denied the claim and I get to pay the 5K surgery bill. After her first knee surgery and full rehab, she injured her other knee. We have surgery scheduled for tomorrow. There is no way I cannot get it fixed and watch her in pain, limping and dragging her hurt leg around. So we will file another claim for the second surgery. The clause of not getting a check-up each year will not apply because of extensive blood work and exam prior to her first surgery. She did not present to her first appointment with the current knee injury, so the clause that says that any condition presented at first vet visit after a year passes, is considered to be preexisting, does not apply...and should not apply to acute injuries. (My dog is extremely well cared for and healthy, as indicated by recent test results. She experienced an acute injury for which I immediately took her to the vet. If her malady was internal, like failing kidney, I can see how not going to vet for a check up could contribute to making her condition much worse). I really hope this second surgery is covered and they don't pull out some other clause to deny my claim. How could anyone justify sending money every month to a pet insurance company that makes policies which can routinely deny claims? GOT IT. They are the insurance company and they can set any policy they want. They can require we take our pets to the vet once a year, and if we miss that requirement, they can make our insurance policy worthless in the event of a sudden injury. They can decide that ANY CONDITION brought up in first vet visit is considered pre-existing, again making our policy worthless in the event of an accident. Of note, the main reason to take a dog to the vet outside of routine visits is for an injury or illness. I cannot even imagine how many times PETPLAN has been able to use those two clauses to deny claims. IMPORTANT: DON'T MAKE THE SAME MISTAKE THAT I DID: If you have not taken your dog to the vet for the last year and your dog gets sick or injured, first make a vet appointment for routine check-up and do not mention their condition. The next day make another appointment with your vet and get your dog the treatment it needs. Sure you delayed treatment for a day, but you can have piece of mind during this stressful time, knowing that your insurance company will have your back. It is just that simple and makes all the difference of whether your claim is approved. If only, on the day that my dog was injured and crying in pain, I had the presence of mind to find my pet policy, read it really carefully and make that routine vet appointment first, then I would have the pet insurance that I have been relying on with every payment made. I have talked with a representative and a supervisor, but that is a waste of time. It was evident that PETPLAN's approach is black and white regarding their policies. Seeking treatment for an acute injury, without any appts for the past 12 months, makes it preexisting? Nice.

You cannot arrange insurance in advance, which I find ridiculous. Who doesn’t plan ahead? I was told to phone back on the day I wanted the policy to commence, which happened to be a Saturday due to my puppy’s existing insurance ending on Friday. I asked if someone would be available to take my call on a Saturday and was told yes. Just now, I have phoned to be greeted with an automated message that their hours are Monday to Friday 0830-1700. Now my puppy is uninsured for the weekend.

I started with Petplan , price was reasonable and seemed easy to deal with. I received a letter regarding my renewal and the price of my plan went up 47%, but they are going to give me a discount so it is only going up 27%. My dog is turning 1 and I have had no claims. Would definitely NOT recommend I think you are missing the point the premium increased by 47% even though I had no claims, yes they gave me a 15% discount which brought the increase to 27%. That is extremely high considering my dog is just turning one. I was NOT offered any other alternatives by anyone, in fact when I asked why there was an increase to begin with no one offered any explanation. ??After speaking with some of your competitors they assured me a 5 may 6% increase in my plan is what would deem to be reasonable no where near 27% which was my discounted rate with you. I cancelled my policy immediately and have signed up with a reputable insurance company who doesn't offer 47% increases in there premiums without cause

BIG rate increase unacceptable !!! So disappointed to find out that PetPlan have increased the premium on the policy for my 3 yr old dog over 55% !! As noted by others, was given his age (really he's only 3 and only a couple of small claims for eye/ear infection), breed, and where I lived ... all bs responses ... after my 3rd phone call to discuss was told the underwriter increased rates ... they basically say pay it or don't be covered ..... utterly unbelievable

We started with PetPlan in 2013 when we adopted two rescues. As others have said, we had a big fee bump when they changed underwriters, but we stuck with them. The annual increases continued, sometimes very small, sometimes 20%. We've had some claims, and they were always very prompt and fair with payment; no complaints there. This year the rate for one of my dogs went up 73% in a single year (the fee for my other dog, just a few years younger, went up 20%). I couldn't believe it and called twice to ask them to recheck. They insisted there was nothing to recheck. The rates were set annually by how many claims they had, the state we lived in, the dog breed, and other factors they didn't explain. Well the dog's breed hasn't changed, and the dog has predictably aged one year. I told them I was shocked by this increase and disappointed that now (i) after all these years of sticking with them and paying thousands of dollars; and (ii) my dogs are reaching an age when we might truly need the insurance, their service has priced us out -- it would cost us $6000 a year for the two dogs for 80% coverage (it was $1400 for two dogs in 2016), with no idea how much those fees might go up a year from now. For all their verbiage about how much they care, I certainly don't feel like they care about their middle class customers getting priced out as our dogs age and their rates skyrocket. They are either passing on unacceptable operating costs to their customers or nudging those of us with older dogs out the door. A year ago I would have recommended them highly, but now, I'd suggest you create your own savings account and bypass these heartbreaking rate surprises.

Years back, before they switched underwriters they were a great company. We got a rescue dog and I bought insurance then took her to the vet. They noted that she needed teeth cleaning. We took her in a few months later for the cleaning and she needed teeth extracted. PetPlan refused to pay out because they noted the need for teeth cleaning in the initial visit. I wanted to cancel, because why am I paying for this if they are just going to find any way out of paying. I had to call and when I told them my problem, she boiled it down to pre-existing concern. So they have no intention of taking my issue seriously or offering better service, just file it under a generic header as a "me" problem not a company issue.

Well, after so many years with petplan I've finally given up. We went from paying around 17$ a month for our cat to now 40$ a month as she is now 7 years old (apparently the prices skyrocket as they age even without any health problems). They require a 450$ deductible per year before they start paying out at 80%. Also, we were unaware that after a certain age they require yearly check ups so we didnt take her this year with everyrhing going on and now they won't cover the most recent claim, remind you we have never filed a claim before this and the money we paid out of pocket was a little over 600$ so at most we may have gotten $80ish back but it's become a whole ordeal and they still won't process the claim. To much of a hassel for 40$ a month better off to save that money yourself.

Good service over many years. Easy to use and rapid resolution