time icon 6 min read update icon Sept. 20, 2019
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PetPlan provides comprehensive accidents, illnesses, and hereditary and chronic conditions but more expensively than competitors. PetPlan boasts paperless, app-based filing and 24/7 customer service.

PetPlan offers unlimited coverage with an annual deductible. There are no per-incident limits or upper-age limits, and coverage for hereditary and chronic conditions is standard for all plans. PetPlan also offers limited dental insurance, as well as coverage for prescription medications and alternative therapies. PetPlan’s customer service is available around-the-clock by live chat or telephone. PetPlan is a particularly good choice for a senior looking to insure an older pet who may not be qualified for health care insurance due to the upper-age limits of other providers.

Grandfolk Scoring
Price 6/10
Reimbursement 8/10
Deductible 10/10
Illness waiting period 7/10
Accident waiting period 7/10
Warranty 10/10
Age limits 9/10
Eligibility 10/10
Accident coverage 10/10
Preventive coverage 1/10
Multiple pet discount 1/10
Monthly cost
Amount reimbursed?
70, 80 or 90% of covered vet bills
Type of deductible?
Both Annual and Incident are available
Illness waiting period
Delay before coverage?
15 days
Accident waiting period
Delay before coverage?
5 days
Risk-free period?
30-day money-back guarantee
Age limits
Age limits for enrollment?
No, but must be over six weeks to enroll
Are all pets eligible?
Accident coverage
Is it available?
Preventive coverage
Is it available?
Multiple pet discount
Is it available?
Age Score:
50-64 Years
65-74 Years
75-84 Years

PetPlan is differentiated from other plans by its 24-hour customer service; seniors having trouble filing a claim or who have questions about their policy can contact PetPlan by phone or live chat, or even social media. This assistance makes PetPlan significantly more age-friendly than other providers who offer App-based claims filing. However, the fact that claims are largely processed online or via an app can pose a problem for some older seniors who are not tech-savvy. Otherwise, the advancing of age has no real impact on the insurance provided as long as the senior can continue to travel to veterinarian appointments, track receipts and submit claims.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

A senior’s health has little impact on PetPlan’s health-related value. Seniors may find that their health condition such as limited mobility can lead to a reduced ability to transport their pet to the veterinarian, or that they have too many hospital visits to be able to care for a pet properly. In short, unless a caretaker is available to take a pet to a veterinarian, PetPlan health insurance will be of very little value to a senior who has a pet in need of medical services. PetPlan does allow a policy to be transferred to a new owner in case that becomes necessary.


  • This plan is ideal for seniors with an older pet because there is no upper limit on the age in which the pet is enrolled in the program. PetPlan would be ideal for an older pet that suddenly needs health insurance to cover medical expenses.  
  • PetPlan includes coverage for hereditary conditions as standard in all plans, whereas most other plans charge extra for this type of coverage.
  • PetPlan makes filing a claim easy through the use of the PetPlan app. Customer service agents are available 24/7 to answer questions by phone or live chat. During business hours, agents are also available on social media. 
  • PetPlan offers a 5% discount for enrolling online and a 30-day money-back guarantee.
  • Unlike most other pet insurance providers, PetPlan offers non-routine dental coverage for pets.


  • PetPlan was ranked as #1 pet insurance for several years in a row at the website Canine Journal, but its underwriter changed in 2016, which led to some online concerns from customers. The cited concerns were related to reimbursements for eligible expenses, as well as premium increases that are not always advertised.
  • PetPlan does not cover preventive care such as wellness check-ups and vaccines.
  • Seniors may find the smartphone-based claims tracking process confusing or inconvenient.
  • Dogs on the policy require annual health and dental check-ups for coverage to be valid.
  • A $3 transaction fee may be applied to each claim.
  • PetPlan is one of the more expensive companies offering pet insurance coverage.

Bottom Line:

PetPlan is a great option for a senior seeking all types of coverage for his or her pet. PetPlan covers diagnostic testing, surgery, hospitalization, and medications. Despite some recent concerns, PetPlan is consistently ranked #1 on consumer review websites for their flexible and very inclusive insurance plan. Customers can file claims electronically through the PetPlan app and can contact customer support 24/7, which is meant to simplify and quicken the claims process. PetPlan is a comprehensive insurance choice and particularly good for pets with congenital or hereditary conditions since those services are covered by this insurance. PetPlan is also great for older pets since there is no upper age limit for enrolling.

Frequently Asked Questions:

  • How does the deductible work, and how will I receive my reimbursements? PetPlan offers both an annual deductible and a pre-condition deductible. If many different claims are filed for one condition, the deductible only needs to be met once. Claims can be filed by mail, through the PetPlan website or with the PetPlan Claims app.
  • Can I have more than one pet on my account? Yes, but there is no discount for insuring more than one pet.
  • Where is my insurance accepted? PetPlan allows you to visit any licensed veterinarian located anywhere in the United States or Canada. You do not have to switch veterinarians to use PetPlan.

More Information:

Product Details

Overview: All PetPlan insurance offerings cover accidents, illnesses, hereditary and chronic conditions, and non-routine exam fees.
Package Details: PetPlan offers two deductible and co-pay options:

For the Annual Deductible-based plans, an annual deductible is applied once per year for all covered conditions.

For the Per-Condition Deductible options, each condition is grouped into a separate category, and a specified deductible must be met for treatment of each condition before reimbursement occurs.

Optional Add-on Services: PetPlan offers optional coverage for behavioral therapies, loss due to theft or straying, advertising and reward, boarding kennel fees, death from illness or injury, and vacation cancellation.

Additional Company Details

Contract Details: PetPlan charges a one-time fee of $25 for new policies; after 30 days this fee is nonrefundable. Customers can save 5% on the policy by enrolling online. To cancel a policy, contact in writing. PetPlan also charges a $3 fee per transaction.

Warranty: PetPlan has a 30-day money-back guarantee. If you cancel within 30 days of enrollment, you will receive a full refund, unless you have a claim pending, in which case the refund for the one-time signup fee will be prorated.

Accreditations: Fetch, Inc., which owns PetPlan, has an A+ rating and accreditation from the Better Business Bureau.

Company Details: The U.S. division of PetPlan, which also has an office in the United Kingdom, is headquartered in Philadelphia by Chris and Natasha Ashton, who met years ago as students at Oxford University. The Ashtons started PetPlan when their cat, Bodaceia, became ill and was a huge financial burden for them since they were broke business students at the time. PetPlan’s mission is to provide affordable pet insurance. PetPlan is owned by Fetch, Inc., which is accredited by and has earned an A+ rating with the Better Business Bureau.



PetPlan Pet Insurance
3805 W Chester Pike Suite 240
Newtown Square, PA 19073
Phone: 1 (866) 467-3875

Sheeva Azma - Senior Advisor

Sheeva is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.