Just like all other pet insurance providers, Petplan does not cover pre-existing conditions.
A pre-existing condition is defined as a medical condition which first occurred or showed clinical signs before the effective date of your pet’s insurance policy or during the policy waiting periods. That means if you pet was sick before your policy became active treatment for that condition will not be covered. However, with Petplan, if a previously-cured condition remains symptom-free for an extended period, it may be eligible for coverage if symptoms return.
At this time Petplan also does not cover routine care and wellness—including annual wellness exams, spaying and neutering, teeth cleaning, flea and tick protection and vaccines. We also do not cover elective procedures like tail docking, ear cropping and declawing unless deemed medically necessary by your vet. In the unfortunate event that your pet causes damage to a person or property, this incident would not be covered by pet health insurance.