Dog insurance

Tail wags for life

What is dog health insurance?

We know you consider pets part of the family and want everyone safe and sound. If they get sick or injured, dog insurance helps pay the vet bill. Our tooth-to-tail protection means Petplan is there from when they're a small pup to their senior years and beyond.

According to Petplan claims data, every six seconds a pet parent is faced with a vet bill for more than $1,000.

Unexpected vet visit? Here’s how Petplan pet insurance works


Get treatment

Visit any licensed veterinarian in the U.S. or Canada. For those times when your pup thinks the remote is for dinner.


File a claim

Submit a pet health insurance claim online or from your phone with the Petplan app. Because less paperwork is the best kind.


Be reimbursed

Look out for a wallet refill in around 5 to 14 days.

Note: Petplan, like most other pet insurance providers, does not cover routine and preventive visits, pre-existing conditions, or elective procedures.

What do I need to know before getting dog insurance?

All dogs six weeks and older are welcome to join Petplan. We understand that pets have unique needs and do our best to cater to them through flexible policy options. That's why your costs for pet insurance will vary depending on several factors:

    • your dog's age
    • your dog's breed
    • where you live
    • your annual coverage
    • reimbursement level
    • annual deductible

See how much other dog parents saved with Petplan pet insurance.

  • Meet Alex and her puppy, Sugar.

    Her dog was treated at the vet for swallowing a bone and her vet bill was $1,500.

    Petplan reimbursed $1,100; Alex only paid $400.

    Alex's Petplan

      • Joined Petplan
      • 4 months ago
      • Coverage
      • $25,000
      • Location
      • Philadelphia, PA
      • Deductible
      • $250
      • Breed
      • Labrador Retriever
      • Plan Price
      • $56/mo
  • Meet Debbie and her dog, Diego.

    Her dog was treated at the vet for intervertebral disc disease and her vet bill was $5,615.

    Petplan reimbursed $4,554; Debbie only paid $1,061.

    Debbie's Petplan

      • Joined Petplan
      • 3 years ago
      • Coverage
      • $15,000
      • Location
      • Santa Monica, CA
      • Deductible
      • $500
      • Breed
      • Pug
      • Plan Price
      • $74/mo
  • Meet Mike and his puppy, Charlie.

    His puppy was treated at the vet for a bite wound and his vet bill was $1,540.

    Petplan reimbursed $1,136; Mike only paid $404.

    Mike's Petplan

      • Joined Petplan
      • 8 months ago
      • Coverage
      • Unlimited
      • Location
      • Chicago, IL
      • Deductible
      • $250
      • Breed
      • Bull Terrier
      • Plan Price
      • $115/mo

Why Petplan pet health insurance?

Care that's here to stay

Some providers deny your pet insurance coverage for specific conditions past a certain age. We have no age limits on hereditary or chronic conditions like hip dysplasia or cancer, for any breed at any time.

Puppies protected

Some providers limit enrollment for pets of a certain age, but Petplan offers pet insurance for puppies as early as 6 weeks of age, with no breed restrictions, ever.

What dog insurance does (and does not) cover.

Accidents + injuries + illnesses

Petplan covers unexpected accidents, injuries and illnesses, including hereditary and chronic issues such as hip dysplasia.

Diagnostic treatments

Lab tests like bloodwork are covered if they are needed to treat or diagnose a coverable injury or illness.

Veterinary exam fees

We’ll cover the cost of any exam by a licensed veterinarian to treat or diagnose a sick or injured pet, including emergency and specialty care.

Prescription medications

Medications prescribed by your veterinarian to treat an injury or illness are covered, including nutraceuticals. Vitamins, heartworm and flea and tick preventives are not covered.

Imaging - MRI, CAT scan, ultrasound

We cover imaging such as MRIs, CAT scans and ultrasounds to treat or diagnose a coverable condition.

Cancer treatments

Petplan proudly offers coverage for oncology care and cancer treatments such as chemotherapy, radiotherapy and cyber knife.

Dental treatments (non-routine)

Petplan will cover non-routine dental treatments such as broken teeth or periodontal disease as long as your pet gets an annual dental exam and any treatment recommended is carried out.

Surgery + rehabilitation

Holistic therapies such as acupuncture, hydrotherapy, chiropractic treatment and stem cell therapy are covered if the treatment is recommended and administered by a licensed vet.

Referral + specialist treatment

All specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered by Petplan.

Routine & wellness care

Routine visits for teeth cleaning, flea and tick protection and vaccines are not covered.

Preventive care

Annual check-ups to prevent illness or injury or promote general health are not covered by pet insurance.

Pre-existing conditions

Like all pet insurance providers, Petplan does not cover pre-existing conditions. However, curable conditions that occur prior to signing up for coverage may be eligible for coverage down the road.

Elective procedures

Procedures like spaying and neutering, tail docking, ear cropping and claw removal are not covered unless deemed medically necessary by your vet to treat a covered injury or illness.

Liability coverage

We do not cover any costs associated with an injury to a person or property damage caused by a pet.

Frequently asked questions

File a claim anytime from the Petplan Claims App - it's a fast, easy way to send claims right from your smartphone. See how it works.

There is a 15 day waiting period for injury and illness coverage and a 6 month exclusionary period for hip dysplasia and the knees. Learn how to get the knee exclusion waived.

No, there is no enrollment fee with Petplan.

Come join the pack

Choose from different reimbursement options that fit you. But first, let’s get to know your pet.