Petplan Pet InsuranceReviews of gopetplan.com

I literally feel like I have been scammed by Petplan. Short story: Every year you must do a wellness exam, which is not covered, and if they find anything wrong with your dog it is considered a pre-existing condition. Even if the previous exam she was fine. You have 0 chance at all to get reimbursed for anything that matter. Long story: I have been with them for more than 5 years since my dog was 6 months old. My dog being healthy, we only filled a claimed once 3-4 years ago without any issue at all. A month ago my dog seems to be a bit low on energy, doesn't eat at much as she used to, ect. Nothing too worrisome yet, but I decided to take her to the vet to check it out. They are not able to actually find anything clear, so they asked us to do further testing at a specialist vet. The only appointment available was a month later. During that time, my dog condition gets worse and worse, so 2 weeks later we must bring her to the emergency room. The hospital discovered that she has Addison diseases (which is a Congenital disorder). Since I was with Petplan for 5 years, and that I submitted claimed before without issue, I was certain they will cover this. Of course not, they told me that since she had not had a yearly wellness exam, they will use the first vet visit as the wellness exam. So I am thinking, no worries the first visit to the vet would be the wellness exam. That will not be reimbursed, but the visit to the hospital will be. Still not, since she had "signs" of it, then the entire episode is not cover. On top of that, they are telling me that now anything related to Addison diseases will not be covered in the future since the wellness exam is now the baseline. So they are considering my dog's diseases a PRE-EXISTING condition. I am with them for 5 years!!! I got insurance a month after getting our dog! How can this be a pre-existing condition? I failed to see how a yearly wellness exam would have detected Addison disease. Addison’s is difficult to trace and can not be detected at all thru a regular checkup. Only until there is a major crisis can vers even detect anything wrong And keep in mind that my dog had an exam when she left the shelter and I first got the insurance, it is not like they never had a baseline. The entire point to get an assurance so early on and paying a premium every year without ever using it was exactly to cover for this kind of issues. So basically every year you must do a wellness exam, which is not covered, and if they find anything wrong with your dog it is considered a pre-existing condition. Even if the previous exam was entirely fine. You have 0 chance at all to get reimbursed for anything that truly matters.

Remember that pet plan is insurance. And they are a business. So while they don’t treat pre-existing conditions and they do not treat health and wellness check ups. They definitely reimburse you when your pet is sick or has an emergency. My cat Mizu never had a problem until recently and it has been so nice knowing that I can get Mizu the best care and not have to worry financially. They have reimburse me 80% of all the money that I have spent at my vet. Also, I recommend getting pet insurance when your animal is little so that they do cover everything if something should arise. And trust me, eventually it does.

Pet plan is very easy to deal with. Our claim was handled promptly. I filed the claim online uploading our bill with the vet facing the medical information. They answer their phones 24 hours a day with the person answering the phone able to retrieve your information. You can tailor your plan to suit your needs with choices of deductible and percentage paid. Highly recommend pet plan

Pet Plan settled my claim in full within two weeks. simple effective process. Well Done !

I wished I would have done my due diligence and homework when it came to buy pet insurance . . . I did not. So only in the world of PetPlan Insurance would a previously broken bone (Jaw) that was broken well over two years prior the policy inception date be considered preexisting condition. What they said was: We were not able to offer coverage for your claim because the condition was found to be pre-existing. There is an exam from 6/4/18 which is before an active policy was in place, medical records note that Chao's mandible was previously fractured & repaired - but still skewed to the left. This jaw was fractured the first time January 1, 2017. And through a goofy accident on April 23, 2019 was fractured again .... the policy inception date was 7/20/2018. Note the fact that PetPlan notes that the jaw was previously repaired. So essentially they can deny ANYTHING and EVERYTHING because it may have happened before with your pet. In the Pet World ... the usual definition of a pre-existing condition is: A pre-existing condition is a disease, a problem that your pet may be suffering from, or showing symptoms of, before purchasing an insurance policy. A condition that may surface or be diagnosed during the waiting period, usually one year from the date of signing up, is also considered a pre-existing condition. A broken bone/jaw does not fit that .... especially one that was REPAIRED prior to the policy inception period. Pet Plan dragged the claim out for almost 50 days only to deny the claim. THIS IS A BUYER BEWARE. GO ONLINE .... read the reviews of ALL the pet insurance companies - this company does everything it can NOT TO PAY CLAIMS.. and on the same day they denied my claim - they sent me a renewal letter ... isn't that funny!!!! DO YOUR HOMEWORK-I wished I had. I cancelled my policy - What is the point to pay them $$ if they aren't going to stand by all the stuff they say they will do. AGAIN - DO YOUR HOMEWORK. READ THE REVIEWS.

I was very hesitant about purchasing Pet Insurance because I have read more negative than positive. On a whim I decided to go ahead and purchase it for my new Golden Retriever puppy. Several months later he was diagnosed with severe hip dysplasia. He ended up having total hip replacement surgery! Pet Plan has been amazing and covered his hip replacement surgery along with all of the pre-op, physical therapy visits and everything. We are very thankful!’ One of the things I like most about Petplan is their transparency. When we first got our puppy I submitted all of his medical records for review. I was given a list of everything that was NOT covered so that there were no surprises. I think most of the people who are unhappy must not read the plan and taken advantage of this option to do the records review. They are a very transparent company and let You know upfront what is covered so that you’re not surprised in the event of a medical issue. I highly recommend pet plan and will continue to let others know as well. I will never be without it!

Most people looking for pet insurance end up considering Pet Plan and Trupanion. I chose Pet Plan and it was a mistake. It was the cheaper option but you get what you pay for. They say they don't increase premiums due to claims - it's a downright lie and I have proof with two separate insurance policies on different dogs. Also, if you make a claim, they will adjust down your coverage and increase your deductible in the next year, and you don't have a choice in the matter (and you can't go to another insurer at that point). It also takes them forever to pay out on claims. They are truly horrible to deal with, great on sales, terrible on service. I ended up getting secondary coverage through Trupanion when they downgraded my coverage, but it's only supplemental. You need to make the right choice upfront or you will literally be paying for it after the fact.

expensive but pet insurance so important. I wouldn't be with out it.