What Does Covered For Life mean?

Petplan covers injuries and illnesses for life with no dollar limits per condition. The reason that this is so important is that many pets develop on-going conditions such as diabetes, hip dysplasia and arthritis that may require costly treatment for a number of years. Between 30-40% of all claims received last beyond 12months. To see examples of how Covered For Life can help you and your pet click here.

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Do I need to get pre-approval from Petplan before my pet is treated?

No. You do not need pre approval from Petplan for your pet to be treated. However if you want a guarantee that the treatment your pet will be receiving will be covered you can request a pre authorization form. By filling out the pre authorization form completely and getting it approved by Petplan you are guaranteeing that the treatment will be covered. To request a preauthorization form please call Customer Care on 1.866.GoPetplan (1.866.467.3875).

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What is Routine Care?

Routine (preventive) care refers to check ups and procedures that are designed to prevent future illnesses from occurring rather than treating existing illnesses. These include annual physical examinations, vaccinations (distemper, rabies, leukemia), heart worm prevention medication, dental check ups.

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Why doesn't Petplan cover Routine Care?

Routine care is as much a part of keeping your pet healthy as taking your dog for a walk. Annual check-ups or vaccinations can easily be planned and budgeted for, whereas an unexpected accident or illness can leave you reeling with prohibitively expensive veterinary bills. This is why Petplan doesn't cover routine care. Insurance for scheduled treatment inflates premiums and represents poor value for money - often at the expense of coverage for the unexpected where it matters most. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

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Does Petplan cover prescription medications?

Prescriptions are included in all Petplan policies provided that they have been prescribed by the treating veterinarian as treatment for an illness or accident. All prescriptions must be FDA approved for pets, subject to policy provisions. Nutritional supplements and Vitamins are not covered. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

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Can you tell me what Petplan Covers?

For a detailed account of Petplan benefits please click here. If you would like a more detailed account of our policies or are unsure which policy is best for your pet please call one of our skilled sales representatives on 1.866.GoPetplan (1.866.467.3875) who can answer all of your questions and guide you through the choices available. Our sales representatives include qualified veterinary technicians and pet owners themselves so they are qualified to help you make the right choice. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

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What is Preventive Care?

Preventive (routine) care refers to check ups and procedures that are designed to prevent future illnesses from occurring rather than treating existing illnesses. These include for example annual physical examinations, vaccinations (distemper, rabies, leukemia), heart worm prevention medication, dental check ups.

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Can I visit any Veterinarian with Petplan pet insurance?

Yes! Petplan allows you to use any licensed veterinarian anywhere in the USA. So if you are out of town on vacation with your pet you can still claim for a visit to the veterinarian wherever you are. To get a quick no obligation quote click here.

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Do you cover diagnostic testing?

Yes so long as the treating veterinarian felt that it was necessary as part of investigating the illness/injury being treated at the time. However none of the policies will cover testing and treatment for conditions that are excluded or limited by the policy, or any complications of conditions that are excluded or limited by the policy such as elective surgery. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

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Does Petplan cover pre-existing conditions?

Any condition which first occurred or showed clinical signs before the pet's coverage started or which occurred during the policy waiting period is classed as pre-existing. This would include conditions that have not yet been clearly diagnosed, are currently in remission, are seasonal or being controlled via prescription medications. Pre existing conditions are normally excluded from the policy as the coverage is there to insure against future conditions and not to pay for conditions that your pet is already suffering from.

However an exclusion that has been placed on the policy due to a pre existing condition may be reviewed at the policy holders request and can be removed subject to review by one of our in-house veterinary consultants. For example, pre-existing conditions such as mite infestation or gastritis can be considered cured and removed from exclusion status on your policy. We would require your pet's medical records from your veterinarian indicating the existing health of your pet, along with a written request to remove the exclusion. One of our in-house veterinary consultants will review the medical records and issue the change in your policy, if applicable. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

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Does Petplan cover elective surgeries?

Petplan's policies do not cover elective procedures such as cosmetic or preventive surgeries. Spay and neuter, de-clawing, dew claw removal, anal sac removal, ear cropping and tail docking are a few of the elective procedures which are not covered under Petplan policies. If you would like further information regarding Petplan's policies regarding elective procedures please call Customer Care on 1.866.GoPetplan (1.866.467.3875).

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Does Petplan offer a month to month policy?

Petplan does not offer a month-to-month policy. The policy is for a 12-month (one year) term only after which your policy may be renewed. To get a quick no obligation quote click here.

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Does Petplan cover Behavioral therapy for pets?

Yes Petplan will cover behavioral therapy for your pet under the Petplan Gold plan (up to the limits stated in the policy) if your veterinarian refers your pet to a behavioral therapist and believes that it is in the best interest of your pet. To get a quick no obligation quote click here.

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Does Petplan cover alternative therapies

Alternative Therapies

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The terms “alternative” or “complementary” are used to refer to non-traditional methods of diagnosing, preventing, or treating illnesses or injuries including acupuncture and chiropractic treatment. Petplan realizes that sometimes conventional treatments may not be enough so we also cover alternative therapies if your veterinarian believes that such treatment is in your pet's best interest.

At Petplan we will do whatever it takes to get your pet healthy and back on their paws. Because we realize that in some cases your pet may require more than conventional treatments to fully recover we will even cover alternative therapies, like acupuncture and veterinary chiropractic treatment . To get a quick no obligation quote click here.

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What is the definition of policy term?

The term of your policy is twelve months from the effective date of the policy. The Declaration Page, which is enclosed with your policy, will show your exact term.

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Can I change my policy cover during the year?

Policy holders are allowed to downgrade their policy coverage anytime. If you wish to increase your level of cover then you are allowed one change per year.

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