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Petplan Policies

  • What do Petplan policies cover?
  • Petplan provides comprehensive coverage for the reimbursement of veterinary fees due to illness or injury. We are especially proud to provide full coverage for hereditary diseases as standard, with no hidden limits or exclusions.

    Coverage under a Petplan policy includes, but is not limited to: laboratory and diagnostic testing – including specialised chemistry and hematology; surgery – including all hip and CCL surgical techniques; prescription medications for life – including all brand names like Atopica®, Rimadyl® and Denamarin®; non-routine dental treatment – such as tooth extraction and root canal therapy; referral and specialist treatment – all specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology;  imaging – including MRI and CAT scans; rehabilitation – any rehab performed at a veterinary facility; alternative therapies – including veterinary acupuncture, homeopathy and chiropractic therapies. As with all pet health insurance policies, pre-existing conditions are not covered .
  • What is a pre-existing condition?
  • At Petplan, we define a pre-existing condition as follows: A medical condition that first occurred or showed clinical sign(s) or symptoms before the effective date of your policy or that occurred or showed clinical sign(s) or symptoms during the policy waiting period. Simply put, if your pet has or had any condition, whether diagnosed by your veterinarian or not, before enrolling in a Petplan pet insurance policy, it is considered pre-existing.

    At Petplan, we recognise there are two types of pre-existing conditions: those that can be cured, and those that cannot be cured. 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 has experienced a curable condition previous to enrolling in a Petplan pet insurance policy, the condition, while pre-existing, may be eligible for coverage after an exclusionary period. Providing your pet’s medical history shows no further episodes of the condition subsequent to the initial episode, coverage for the condition may be restored.

    Unfortunately, some pre-existing conditions are not considered curable. Examples of incurable conditions include, but are not limited to: Orthopedic illness (such as hip dysplasia or injuries related to cruciates or patellas), allergies, diabetes, lipomas or skin lumps, hyper- or hypothyroidism, urinary or bladder crystals or blockages, and cancers (however, only the specific type of cancer your pet has endured. All other cancers, for which your pet has not shown clinical signs, would still be covered by your Petplan policy.).

    If your pet has or had a condition previous to your enrolling in a Petplan pet insurance policy and you are unsure if it will be considered a curable or incurable condition, you can request an underwriting review within the first 30 days of your policy. To request underwriting, please contact one of our Happiness Managers at 1-866-467-3875.
  • How do my deductible and co-pay work?
  • In order to provide the greatest financial flexibility, Petplan offers a choice of deductible and co-pay options. 

    Annual Deductible 
    An annual deductible is applied once per policy term to all covered conditions. 

    Per-Condition Deductible 
    A per-condition deductible is applied to each separate condition during the policy term, and can help keep your premium low. 

    If you file multiple claims for the same condition (e.g. three claims for treatment related to one foreign body ingestion), your deductible will only be applied once, providing all treatment took place within one policy year. 

    If you file claims for multiple unrelated conditions (e.g. one ear infection claim and one foreign body ingestion), your deductible will be applied for each claim. 

    For both deductible types, both your annual limits and your selected deductible will be reset at renewal.
  • Can I continue to use my current veterinarian with Petplan pet insurance?
  • Yes! Petplan allows you to use any licensed veterinarian anywhere in Canada or the U.S. So if you are out of town or on vacation with your pet, you can still claim for a visit to the veterinarian.
  • Does Petplan cover routine care?
  • No, Petplan pet insurance does not cover routine care. Our policy is designed to give you comprehensive protection against unexpected vet bills for injuries and illnesses.
  • Does Petplan cover prescription medications?
  • Yes! Coverage for prescriptions is included in all Petplan policies, provided that they have been prescribed by the treating veterinarian as treatment for an illness or accident and the illness or accident is not a pre-existing condition. All prescriptions must be FDA-approved for pets, subject to policy provisions. Vitamins and heartworm/flea and tick preventives are not covered by the policy. Reimbursement is subject to policy limits. 

  • Does Petplan cover diagnostic testing?
  • Yes! Providing the treating veterinarian felt the testing was necessary as part of investigating your pet’s illness or injury, diagnostic testing costs are covered by your Petplan policy. Please note, however, that testing and treatment for pre-existing conditions, or for any complications of conditions that are excluded or limited by the policy, such as elective surgery, would not be covered.

  • Does Petplan cover behavioural therapy for pets?
  • Yes! For policies with an annual limit of $15,000 or greater, Petplan offers $1,000 in coverage per policy term for consultations with a licensed veterinarian to diagnose and treat behavioral problems where an underlying medical condition is the cause of the issue. Coverage does not apply to obedience training. For fastest claims processing, we request that your vet indicate the necessity for the behavioral therapy in your pet’s medical records.
  • Does Petplan cover holistic care and alternative therapies?
  • At Petplan, we will do whatever it takes to get pets healthy and back on their paws. Because we realise that, in some cases, your pet may require more than conventional treatments to fully recover, we will cover holistic care and alternative therapies, like acupuncture and veterinary chiropractic treatments, provided they are administered by a licenced veterinarian.

  • Does Petplan cover elective surgeries?
  • Petplan's policies do not cover elective procedures such as cosmetic or preventive surgeries.  Examples of elective procedures include, but are not limited to: spay and neuter, de-clawing, dew claw removal, anal sac removal, prophylactic gastropexy, ear cropping and tail docking.  If you would like further information regarding our policies regarding elective procedures please email Customer Care, or call 1-866-467-3875 to speak with a Happiness Manager.

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policies by Allianz Global Risk US Insurance Company