According to independent reviews by pet parents across the United States on
www.PetInsuranceReview.com Petplan USA is consistently ranked No. 1.
Here's why:
For more than 30 years, Petplan has been the world's leading pet health insurance provider,
recommended by pet owners,
veterinarians and
pet breeders. Today over 1 million pet owners across the globe already trust Petplan to protect their pets. In the United States Petplan policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan) and underwritten by American National Property And Casualty Company, North American Elite Insurance Company, and AGCS Marine Insurance Company, a member of the Allianz Group, all rated A or A+ by A.M. Best.
The bad news is that many purebred cats and dogs will suffer from a
hereditary condition
Hereditary Conditions

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Genetically transmitted diseases found predominantly in purebred pets. These are diseases that your pet has inherited directly through breeding and include conditions such as hip dysplasia. Petplan policies cover hereditary conditions so long as they were not apparent prior to the purchase of the policy or occurs during a waiting period.
during their lifetime. Most pet insurance companies in the U.S. automatically exclude hereditary conditions from their policies. Here's the good news. Petplan covers all hereditary and congenital conditions, so long as clinical signs were not present prior to the commencement of the policy or during the waiting periods.
Petplan covers injuries and illnesses for life. Once your pet is insured, Petplan will cover any chronic conditions into their old age as long as you continue to renew your policy each year without any break in coverage.* This is called
Petplan’s Covered for Life Guarantee and it can prove to be invaluable when you consider that between 30-40% of all pet insurance claims are for chronic conditions that last beyond 12 months. Coverage for chronic conditions is included as standard in all Petplan policies with no extra surcharges or riders.
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Some policies will only pay up to a specified amount to cover treatment for an illness or injury, which means that once a limit is reached you may have to pay for the remainder of your pet's treatment from your own pocket. Petplan policies feature simple annual limits that are fully reinstated to the full amount each year, regardless of previous claims. Conversely, some policies set injury- or illness-specific coverage limits. This means that once the limit for a specific illness/injury is reached, any further treatments related to that injury or illness may have to be paid by the policyholder.
At Petplan we understand that no one knows your pet as well as you do, so we have developed a
unique flexible policy framework with a choice of coinsurance and deductible options to ensure that you can select the coverage that best meets your needs and budget.
At Petplan, we want to help get your pet healthy and back on their paws and we realize that in some cases your pet may require more than conventional treatment to fully recover. For that reason, Petplan will 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 and administers the treatment. .
, such as
Acupuncture
Acupuncture

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Acupuncture involves placing fine needles into specific points in the body. Veterinarians who are trained in acupuncture will use this increasingly popular veterinary treatment for a variety of problems however, the most common use for acupuncture is to treat back problems in pets which have not responded to drugs or surgery.
or
Chiropractic Treatment
Chiropractic Treatment

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Chiropractic care is the manual manipulation and adjustment of bones, muscles and joints to induce a cure. Chiropractic care offers a natural, drug-free adjunct to your pet's total health care. In conjunction with regular veterinary care, chiropractic care can help to decrease pain, and add quality to your pet's movement, and well being.
provided that the treatment is recommended and administered by a licensed veterinarian.
All Petplan policies come with an automatic 30-day money-back guarantee which means that you can rest assured that if you are not entirely satisfied with your policy you will be given a complete refund if you cancel during the first 30 days of your policy (and have not submitted a
claim).
In order to offer the best value coverage for our policyholders a variety of discounts are available for Petplan policyholders. Discounts include: 5% online discount, 10% discount for micro-chipped pets, multiple pets, veterinary professionals and medical service pets, and discounts for strategic partners and employee benefit plans.
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*Coverage excludes pre-existing conditions. The Named Insured must be cared for in accordance with the terms and conditions of your policy.