home / why petplan? / faq / petplan policies
  • frequently asked
         questions

  • faq

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 congenital and 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 you with the greatest financial flexibility, Petplan offers you a choice of deductible and co-pay options. Depending on your pet’s needs and your desired level of coverage, you can choose a reimbursement of 80%, 90% or even 100%. Additionally, you can select a $50, $100 or $200 deductible, which will be deducted from your reimbursement after your co-pay has been applied.   

    To provide you with the best-value premium, Petplan uses a per-condition deductible. This means your selected deductible will be subtracted from your reimbursement amount for each separate condition, per policy year. If you file multiple claims for the same condition (e.g. three (3) 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 (1) ear infection claim and one (1) foreign body ingestion), your deductible will be applied for each claim. 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 policies do not cover routine care. Our policies are designed to give you comprehensive protection against unexpected vet bills for the best possible value. We know firsthand that unexpected accidents and illnesses can create financial stress and pressure at a time when you want to be focused on getting your four-legged family members back to optimum health, as quickly as possible. Because routine care, such as annual check-ups, vaccinations and spaying or neutering, are costs that all pet parents can plan and budget for, Petplan does not offer coverage for routine care.

    Our more than 35 years of experience and actuarial data shows us that insurance for regular, scheduled treatments can inflate premiums and represent poor value for money. Coverage for routine care can often come at the expense of coverage for hereditary and chronic conditions, or even unexpected accidents. At Petplan, we’re committed to providing you the best coverage where it matters most, and to ensure you have the financial tools and support to provide your pet the best care possible when it matters most. To find out more about Petplan's unprecedented levels of coverage for the unexpected click here.
  • 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! Petplan will pay for consultations by a vet to diagnose and treat behavioural problems up to a maximum annual benefit of $1,000. This benefit amount is part of, and not in addition to, your maximum annual benefit for vet fees. Coverage does not apply to obedience training.

  • 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.

quote top
quote bottom
  • how healthy
  • is your pet?
  • take a look at the nation’s top breeds for fast facts on common conditions that could cost you thousands.
  • use our condition checker