what is
pet insurance?

the A–Z guide

Petplan is more than medical insurance for pets — it's peace of mind for pet parents. When your best friend gets sick or injured, pet insurance helps pay the vet bill.


icon stethoscopeget treatment

Visit any licensed veterinarian in the United States or Canada to get the care your pet needs.

icon claim appfile a claim

Download the Petplan mobile app to submit claims right from the vet's office.

iconget reimbursed

Our experienced veterinary professionals will review your claim and reimburse you, typically within 5 to 14 days.

enroll today

Got questions about pet insurance? Give us a
call at 1.866.467.3875.

what does pet insurance cover?

Almost all pet insurance providers cover injuries and illnesses to some degree, but at Petplan, we've built the industry-leading protection to support pets who outplay the pack and parents who demand a higher pedigree of care.


Petplan protected

our coverage includes*
  • accidents + injuries
  • illnesses
  • veterinary exam fees
  • imaging — mri, cat scan, ultrasound
  • diagnostic treatments
  • prescription medications
  • cancer treatments
  • dental treatments (non-routine)
  • surgery + rehabilitation
  • alternative therapies
  • behavioral therapies
  • loss due to theft or straying
  • advertising + reward
  • boarding kennel fees
  • death from illness or injury
  • vacation cancellation

what pet insurance doesn't cover

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pre-existing conditions

Unlike human healthcare, pet medical insurance is unable to provide coverage for pre-existing conditions. If your pet experienced a curable condition prior to enrolling in a Petplan policy, the condition may be eligible for coverage after an exclusionary period.

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routine + wellness care

Pet medical insurance is not a wellness plan, and does not provide coverage for routine care such as teeth cleaning, vaccines or spaying/neutering.

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cosmetic procedures

Tail docking, ear cropping and dewclaw removal are unnecessary cosmetic procedures ineligible for coverage, unless deemed medically necessary by your vet.

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liability coverage

Unlike pet insurance, which is designed to protect the pet, liability insurance only protects the homeowner and their assets in the event of an incident.

how a pet insurance plan is built

There are a number of factors that go into determining your pet insurance cost.

icon age


Petplan insures pets ages 6 weeks to 20+ years. It can be more expensive to insure older pets due to increased risk, and reimbursement options may be limited.

icon location


Pet insurance premiums take into account the varying cost of veterinary care from geographic region to region.

icon breed


We insure all breeds of dogs and cats, but some have a higher genetic risk factor for hereditary issues.

icon coverage


The maximum annual dollar amount you'll be reimbursed, per policy year, for treatments for illness or injury.

icon deductible


The fixed annual dollar amount you're responsible for before insurance kicks in.

icon deductible


The percentage of your claim for which you'll be reimbursed, less your deductible (if not yet met).

how much can you save with Petplan?

Just change the information below to see how much you could claim.

claim calculator

  • your share of the cost: $450
  • Petplan's reimbursement to you: $1550
  • coverage remaining in policy period: Unlimited
    (full policy limits are reinstated upon renewal)