Petplan Pet InsuranceReviews of gopetplan.com

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?

Petplan- and its representative Blair G.-- worked with me to find a plan that suited us and our Lab, Sobaka. Negotiating insurance plans is complicated but Petplan made it so much easier! Although I hope I never have to use their insurance, at least I know that we are covered and have people at the other end of the line that care about our pet as much as we do.

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."

You know when a bad time to find out that your PetPlan insurance has expired? When you are anxiously sitting at the Vet after having agreed to a bunch of tests for your poor cat who has been peeing outside of his litter box..that's when. But you know what? Thanks to the absolutely caring, and helpful folks at PetPlan this seemingly stressful situation was immediately diffused. Despite not having automatically renewed my Cats pet insurance in November when it expired due to my credit card expiring AND the fact that I switched states (apparently you need to get new coverage when this happens) the awesome folks at PetPlan reinstated my policy like it never happened, and covered the visit. I would like to specifically call out Georgia, whose title I just found out is "happiness manager" for her amazing service. She worked with me over the course of what felt like hours but turned out to only be 18 minutes. She waited patiently as I put her on hold to talk to my vet, and look up details of my policy. She was extremely thoughtful and kind. Listen - pets do crazy things. They get sick, they can't communicate what's wrong and you inevitably end up at the vet. Get insurance for your pet, and get it from these guys because they are awesome.

I have had PetPlan for my pets for a couple of years, but never had to use it. Then I woke up one morning to find one of my cats gasping for breath and barely moving. It was a real medical drama to save her, but a few weeks later she is 100% healthy again. PetPlan talked me through how to submit the claim, followed up with the vet, kept me posted on the progress and paid me back promptly. What more could you ask for?

Kim called me this morning to let me know that they processed my claim for my Akita Kane. She also wanted to check and see how Kane was doing, I found this very personal. Petplan cares about their clients.

Pet Plan has been amazing since the beginning! Having worked with them both in a business capacity and on a personal level insuring my pets (2), they have been there every step of the way. My dog has had two knees replaced (TPLO Surgery) and both times the process was seamless. I tell many pet parents all the time that NOT having pet insurance is like not having health insurance for your children. Accident happen and you want to be protected. Over $10K in medical expenses in <1.5 years, most taken care of by Pet Plan. Pet parents, do yourself a favor and protect your 4 legged loved ones like you would your kids. Its worth every penny because when an accident happens or even a routine visit, rest assured Pet Plan is there! Thank you Pet Plan team!!! :)