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've been with PetPlan for almost 12 yrs. I understand the increase in rates due to age, but this last increase was ridiculous. I've always had the policy of $100 deductible per condition (because when I signed up 12 yrs. ago they did not have annual deductibles), 90% down to 80% reimbursement. And PetPlan has paid almost all of Molly's claims. Molly is 14 yrs. old now. Last year my monthly rates were $218. I got my renewal letter today and my rates doubled and are now $422 a month. When I called to see if this was right, I was told that the rates went up because of Molly's age and because they no longer offer the $100 deductible to new clients...the deductible was raised to $250. Even if I took the $750 annual deduction, my rate would be $432. I'm sincerely hoping my rates did not go up because of her medical conditions, but at this point I'm not sure. Molly is my heart and at this point I feel PetPlan is making me choose between their renewal policy or Molly.

I dont think it is worthy to get petplan... It is not the cheapest and the claim process is very time consuming and complicated. My own health insurance is even easier. I always get reimbursed 1 days after my massage therapy. I dont understand why a pet insurance claim can be more annoying than a human insurance....

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!