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  • how
           petplan works

  • how-petplan-works

Petplan helps you say goodbye to unexpected vet bills.

How does Petplan pet insurance work? We help you afford the best possible care for your pet. What's more, using pet insurance is simple, too! Once your pet is insured with Petplan, should an accident, injury or illness occur, just follow these three easy steps to get reimbursed:

Step 1 Get treatment

If your pet has an accident or falls ill unexpectedly, don’t hesitate because of potential, unforeseen costs. Petplan can help with the bill*:

Step 2 File a claim

With Petplan, filing a claim couldn’t be easier. Login to your policyholder account and download your personalized one page claim form, pre-filled with all your policy information and barcoded for fast processing. Complete and sign your form and then fax, email or mail it to us with your receipts.

Step 3 Get reimbursed

Depending on which plan you've selected, you’ll get back 80%, 90% or even 100% of your vet bill, typically within five to 14 days of submitting your completed claim.

Top five questions asked about how Petplan pet insurance works:

1 Can I use my current veterinarian?

Yes! Petplan allows you to use any licensed veterinarian anywhere in the U.S. or Canada. So, if you are out of town or on vacation with your pet, you can still claim for a visit to the veterinarian.

2 Will you reimburse me what my vet charges?

Yes! If your pet has an accident or falls ill unexpectedly, Petplan will reimburse you what your vet charges, including the exam fee, based on the policy, co-pay and deductible you have chosen. No complicated benefits schedules. No “usual and customary” fee limits. Just straightforward, reimbursement of your vet fees, plain and simple. See for yourself by using the claim calculator on the right!

3 Do I have to pay extra to have hereditary/congenital/chronic conditions covered?

No. With Petplan, coverage for hereditary and chronic conditions is included on all plans as standard*. That’s the Petplan advantage.

4 Will my pet's pre-existing conditions be covered?

Like all pet insurance providers, pre-existing conditions are excluded from coverage under Petplan pet insurance policies. However, we recognize there are two types of pre-existing conditions: those which can be cured, and those which cannot be cured. Some examples of a curable condition include, but are not limited to: respiratory infections, urinary tract infections, vomiting, diarrhea and bladder infections.  If your pet has experienced a curable condition prior to enrolling in a Petplan pet insurance policy, the condition, while pre-existing, may be eligible for coverage after an exclusionary period.

5 Do Petplan policies cover routine care?

No, Petplan pet insurance policies do not cover routine care. Our policies are designed to give you the most comprehensive protection against unexpected vet bills for the best possible value. Our more than 35 years of experience shows us that insurance for regular, scheduled treatments can come at the cost of coverage of your pet’s unexpected, and sometimes critical, health care costs. Additionally, our data shows that routine care coverage can artificially inflate premiums for all policyholders and can represent poor value for the policyholder.

For more information about Petplan’s comprehensive pet insurance plans and fast claims processing, check out more frequently asked questions.

If you want to protect your pet, get a quote!

policies by AGCS Marine Insurance Company, an Allianz company

  • claim calculator
    claim calculator
  • How much could you claim with Petplan?

    Just change the information below to see how much you could claim.
    • Your plan
    • Your deductible
    • Your reimbursement
    • Your vet costs $
    • Your share of the costs:
    • Petplan's reimbursement to you:
    • Coverage remaining in policy period:
  • (full policy limits are reinstated upon renewal)
  • why
  • choose petplan?
  • When it comes to protecting your four-legged family, you want to make the best choices. See how Petplan stacks up to other pet insurance providers, and why we’re consistently rated #1* for customer satisfaction.
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