how petplan works

Give your pet the best care without worrying about the cost.

Petplan is more than pet insurance - it's peace of mind. When your pet gets hurt or sick, you want to get them the best possible veterinary care without breaking the bank.

With Petplan by your side, your best friend can get top-dog treatment, and you can trust that claims for your four-legged friend's unexpected accidents, injuries and illnesses will be reimbursed quickly.

Here's how it works:
  • Step 1 Get treatment

    If your pet has an accident or falls ill unexpectedly, get them the care they need. Petplan will cover your pet's accident or illness every step of the way, from office visit to treatment and recovery.

  • Step 2 File a claim

    Filing a claim is fast and easy with our free app! All you have to do is log in, click "File a New Claim" and complete the required information. Once you upload photos of your invoice and medical records, you're done!

    You can also log in to your policyholder account to download your personalized claim form. It’s pre-filled with your policy information and barcoded for fast processing. Just fill out and sign your form, then email, fax or mail it to us with your receipts.

  • Step 3 Get reimbursed

    When we receive your claim, our pack of experienced veterinary professionals will review it for reimbursement. We hire licensed vet techs to review your claims; they speak the language of your vet and have the knowledge necessary to assess your claim. If your claim is approved, you’ll typically get reimbursed within 5 to 14 days (and often faster with our app!). It’s that simple!

To help you understand how Petplan would reimburse you following a claim, here's an example based on an actual Petplan pet insurance claim:
Petplan policy with 90% reimbursement and $300 deductible
Claim for Blanco, a Bichon Frise from NY, NY with diabetes $5,000
10% co-pay - $500
Deductible  - $300
Total reimbursement $4,200

With Petplan, there are no benefit schedules. Just straightforward reimbursement based on your actual veterinary costs.

Top five questions asked about how Petplan pet insurance works:
  • 1 Can I go to my current veterinarian?

    Yes! Petplan allows you to get your pet treatment from any licensed veterinarian in the U.S. or Canada. So if you’re vacationing with your best friend and the unexpected happens, you can still get reimbursed for a visit to the vet.

  • 2 Will you reimburse me what my vet charges?

    Yes! If your pet suffers an injury or falls ill unexpectedly, Petplan will reimburse you what your vet charges for the treatment – including the exam fee. Your level of reimbursement will be based on your policy terms and conditions, and the deductible and reimbursement level you choose. You won’t find any complicated benefits schedules or “usual and customary” fee limits here. Just straightforward reimbursement of your vet bills, plain and simple.

  • 3 Do I have to pay extra to get coverage for hereditary or chronic conditions?

    No. Why charge extra or tack on a rider for the protection your pet deserves? With Petplan, coverage for hereditary and chronic conditions is included as standard on all plans. That’s the Petplan advantage.

  • 4 Will you cover my pet's pre-existing conditions?

    As with all pet insurance providers, preexisting conditions are excluded from Petplan coverage. However, we recognize that there are two types of preexisting conditions: those which can be cured, and those which cannot. 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 experienced a curable medical condition prior to enrolling in a Petplan policy, the condition may be eligible for coverage after an exclusionary period. Give us a call at 1-800-241-8141 to learn more.

  • 5 Do Petplan policies cover routine care?

    No, our policies do not cover routine care. Our experience shows us that insurance for regular, scheduled treatments can come at the cost of coverage for your pet’s unexpected (and sometimes critical) treatment costs. Our policy is designed to give you the most comprehensive protection against unexpected vet bills for injuries and illnesses.

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