PetPlan Pet Insurance

Petplan pet insurance claims to provide the most comprehensive pet health plans of the industry. Pet plan insurance offers a guaranteed life-time coverage without restrictions of time or maximum benefit.

They pay out against vet bills incurred from treatment for accident and illness.

Excluded are pre-existing health problems. So are health conditions that occurred during the waiting period, which is 24 hrs for accidents and injuries and 14 days for disease and illness.

This pet health insurance company offers “Covered for Life Guarantee” which means once a pet is continuously insured with them and the policy annually renewed, the company will provide cover for injuries, diseases and chronic health problems for the rest of your pet's life.

It provides coverage of hereditary and genetic health problems with no limits in time or maximum benefit per condition.

They reimburse you based on what your vet actually charges.

The claim calculator tool on their website helps to determine which pet health plan, co-payment % and deductible to choose. The flexibility of their premiums is unique.

You have got the choice between a Bronze, Silver and Gold plan.

Procedures paid for are:

• Diagnostic procedures, testing and diagnostic imaging
• Surgery, but not for spaying/neutering
• Cancer treatment, no restrictions apply to type and kind of cancer
• Hospitalization and emergency procedures
• Dental procedures, such as extractions, tooth root treatments. Note: routine dental prophylaxis, tooth scale and polish are excluded.
• Specialist treatments and referrals
• Prescription drugs
• Alternative and complementary treatments (acupuncture, chiropractic, hydrotherapy)

Depending on Your choosen Plan, it covers also for:

• Help with advertising and reward expenses, if a pet is lost (Silver and Gold Plans)
• Compensation for loss through straying and theft (Silver and Gold Plans) and death through illness and injury (Gold Plan)
• Boarding costs, in case you need to go to hospital and have nobody to look after your pet (Silver and Gold Plans)
• Compensation of vacation cancellation fees in case your pet develops a suddenly a life-threatening health condition or injury. (Gold Plan)

Discounts

PetPlan pet insurance gives several discounts calculated into your premium, when you obtain a quote through www.gopetplan.com:

• Buy online discount: 5%
• Micro-chipped pet: 10%
• Multiple pets: 10%
• Medical services pet: 10%
• Strategic partner: 5%
• Veterinary professional: 10%
• Employee Benefit plan (group plan): 10%

The available maximum discount per pet is 10% + 5% online discount. (See also website for details.)

Age Limitation

Dogs: Before reaching 8 years of age (select breeds before 5 years of age) See website for list of select dog breeds.

Cats: Before reaching 10 years of age.

Note: Older pets will still be covered, if you insured your pet before reaching the age limit continuously and renew your policy annually, but the premiums will go up with every year your pet gets older.

Special Tip

They calculate the coinsurance (= co-payment) percentage from the total of the vet bill before the deductible. Therefore, keep the coinsurance percentage as little as possible. On the other side, be aware that premium rates will go up accordingly!

Specialist treatment and using emergency services for non-emergency cases will cause the coinsurance to be 20% regardless what you committed to in your policy.

Deductibles are based per-incident, not annually.