Petplan vs. PetFirst
Is the company rated 9 or above by pet parents in independent reviews on PetInsuranceReview.com?
Petplan is consistently rated among the top by pet parents for customer satisfaction. Current Rating: 9.2 out of 10 (2,042 total reviews - May 21, 2014).
Current Rating: 7.8 out of 10 (121 total reviews - May 21, 2014).
Are hereditary and congenital conditions covered as standard on all policies, without additional riders or surcharges?
Petplan policies include coverage for hereditary and congenital conditions as standard with no riders or surcharges.
Coverage for hereditary and congenital conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider. Some cancers may be excluded if they are determined to be hereditary conditions.
Are all chronic conditions covered as standard without maximum payout limits?
Chronic conditions are covered if they are not pre-existing and have not occurred during the waiting period.
Coverage for chronic conditions is only available if you purchase an additional Hereditary/Congenital/Chronic conditions rider.
Are all alternative and holistic therapies covered as standard?
Petplan covers all alternative and holistic therapies as standard, provided these treatments are performed by a licensed veterinarian.
Policies cover alternative therapies, including acupuncture and massage therapy, provided treatment is performed by a licensed alternative therapist.
Are prescription medications covered?
Prescription medications are covered as standard.
Prescription medications are covered provided they correspond to the medical condition which has been diagnosed.
Does the policy cover my pet's veterinary accident or illness exam fee?
Vet exam fees are covered by Petplan policies, including exams performed by specialized vets.
Policies will reimburse the "usual and customary" costs of a vet exam.
Is the company's underwriter rated?
Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best).
Policies are underwritten by American Alternative Insurance Corporation, a subsidiary of Munich Re (A.M. Best rating: "A+", outlook: stable, May, 2011) and Lloyds of London (A.M. Best rating: "A", outlook: stable, May, 2011).