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a guide to your new petplan policy


Congratulations! You’ve joined the Petplan pack, giving yourself peace of mind and putting your pet on the path to a long and healthy life. What happens now? You already know you’ve protected your furry friend with North America’s best-loved pet insurance, but did you know you can fetch free goodies and waive exclusionary periods, too? Here’s a handy guide to your new Petplan policy.

Waiting periods

No need to keep your pet in bubble wrap! Policies are effective at 12:01 a.m. the day after activation, and coverage begins after our short waiting periods:



24 hours


14 days


Exclusionary periods

After your policy becomes effective, there is a period when conditions affecting the knees are excluded from coverage. The exclusionary periods on knee-related conditions are:


Cruciate and patella disease

6 months

Soft Tissue disorders of the knee

6 months


But wait – there’s good news! Petplan will waive the 6-month cruciate and patella exclusionary period if you visit your vet within the first 30 days of your policy and have your vet certify both your pet’s knees as healthy. Simple as that!


If your pet had a cruciate or soft tissue injury to one knee prior to your policy, a 12-month exclusionary period will apply for the opposite (healthy) knee. Your policy terms and conditions explain it all in detail, or feel free to give us a call with questions.


Pre-existing conditions

Car insurance won’t cover the damage if you sign up the day after the wreck. Pet insurance works the same way. If your pet became sick or injured before you had a Petplan policy, or during the waiting periods above, that illness or injury is considered pre-existing and won’t be covered.


Don’t fret yet – unlike many providers, we do distinguish between curable and non-curable pre-existing conditions. While some illnesses like diabetes will never go away, others like UTI, an ear infection or periodontal disease can be cured, and coverage for them can be reinstated after a certain amount of time passes with no recurrence (we call this a reviewable period).

Vet’s recommendations

Your vet wants the best for your pet, which is why he or she recommends preventives like vaccines and parasite prevention. If any illness or condition appears that could’ve been prevented by your vet’s recommendations, it will be excluded from coverage.


Here are a few common examples of illnesses that wouldn’t be covered if a vet-recommended vaccine isn’t administered:

  • canine distemper
  • canine viral hepatitis
  • canine parainfluenza
  • canine parvovirus
  • Leptospirosis
  • Rabies


Annual vet visits

Regular wellness checkups are essential because they can help detect signs of an oncoming illness. They’re also important when you file a claim; we need a complete picture of your pet’s health history to determine coverage, and that history comes from the doctor’s notes during examinations. Be sure to take your pet to the veterinarian for a wellness visit at least once per year (some veterinarians recommend biannual visits for senior pets).


Medical records

When assessing a claim, Petplan needs to review the notes from your pet’s veterinary exams within the 12 months before your policy. If it has been longer than a year since you had your pet examined, the results from his next exam will be considered the baseline of health. If your vet finds any abnormalities during this visit, they’ll be excluded from coverage.


Tip: If your pet hasn’t been to the vet in the last year, take him right away after getting your policy. This will help ensure coverage for those unexpected visits (besides, annual health checkups are a must!).

Submitting claims

When you send us a new claim request, we ask for the last two years of your pet’s medical records. If your pet is just a youngster or was recently adopted with an unknown history, we’ll accept whatever records you have available.


Tip: You can submit medical records and claims right from the free, paperless Petplan App, available on iOS and Android.


Sometimes your veterinarian lays out a few treatment options to help your pet, usually ranging from the best case scenario to less expensive (and sometimes less effective) options. Of course you’ll want to pursue Plan A, so for your peace of mind, Petplan offers pre-authorization to confirm a treatment is covered before you commit to it.


Tip: If treatment is an emergency please do not wait to submit a pre-authorization – make sure your best friend is taken care of first! Pre-authorization is not required, but it is a great service you can request if you want to be absolutely sure something is covered before you give the go-ahead.


Automatic renewal & payments

To ensure continuous coverage (and give you more time to play with your pet pals), your policy is automatically renewed each year and payments are automatically deducted when they’re due.


Tip: You’ll receive an email before your policy renews. If you want to make any changes to your policy, you can always contact us and we’re happy to help.


Perks to keep pets healthy

As a member of the Petplan pack, you’ll receive a free subscription to fetch!, our award-winning quarterly pet health magazine. fetch! features advice from our own veterinarians, news and insight into the latest advancements in veterinary medicine, and all the tips and treats you need to keep furry friends happy and healthy.


Tip: Want more pet health content? You don’t have to beg for it! Keep your eyes on your email inbox for news and trends from the pet-osphere.


Your online account

If you ever want more information about your policy, need to update your payment info or contact details or it’s time to file a claim, you can dig up all the info you need in your online account. Simply log in at the top right of your screen at Petplan.com and click My account area. Here you’ll find policy terms and conditions, the claim form, the medical records release form, the pre-authorization form and other helpful info.



If you’re left scratching your head about your new Petplan policy, raise a paw to one of our Happiness Managers. They can be reached 24/7 at 866.467.3875 or online via live chat (that little red button on the right of your screen). We’re so glad you joined the Petplan family, and more importantly we wish your pet many years of good health!

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Dr. Ernie Ward, Jr.Veterinary Advisory Board of Petplan
vet tip of the week

Visit your vet at least once a year to keep your pet protected from preventable diseases.