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What is pet insurance?

Similar to health insurance for humans, pet insurance covers the cost of medical treatments for unexpected injuries and illnesses.

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Big dog sheltering a cat from the rain

What pet insurance covers

Petplan provides the most comprehensive coverage in North America for accidental injuries and illnesses—reimbursing you for up to 90% of vet bills.

Our coverage includes:

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Accidental injuries & illnesses

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Diagnostic tests

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Veterinary exam fees

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Prescription medications

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Imaging & ultrasound

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Cancer treatments

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Non-routine dental treatments

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Surgery & rehabilitation

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Holistic therapies

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Referral & specialist treatment

Plus

More

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What’s not covered

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Pre-existing conditions

Like all other pet insurance providers, we do not cover pre-existing conditions. However, with Petplan, if a previously cured condition remains symptom-free for an extended period, it may be eligible for coverage if symptoms return.

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Routine & wellness care

Pet medical insurance does not provide coverage for routine care such as spaying and neutering, teeth cleaning, flea and tick protection and vaccines.

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Elective procedures

Elective procedures like tail-docking, ear-cropping and declawing are ineligible for coverage unless deemed medically necessary by your vet.

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Liability coverage

In the unfortunate event that your pet causes damage to a person or property, this incident would not be covered by pet health insurance.

How it works

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1. Get treatment

Keep your current vet or select a new one, including a specialist or an emergency clinic.

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2. File a claim

Take photos of important documents and easily submit claims.

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3. Get reimbursed

Once approved, your payment will be processed the next business day.

Protecting your pet and your budget

With Petplan, you pay just a fraction of the cost of unexpected vet bills.

Periodontal disease

Cost

$2,551

Petplan paid

$2,304

Pet parent pays

$247

Kidney failure

Cost

$7,287

Petplan paid

$6,558

Pet parent pays

$729

Ear infection

Cost

$4,048

Petplan paid

$3,643

Pet parent pays

$405

How your personalized price is built

There are a number of factors that go into pricing a plan that’s perfect for you and your pet.

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Breed

Some breeds have higher risk factors for hereditary issues.

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Age

It can be more expensive to insure older pets due to increased risk.

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Location

Costs of veterinary care vary from region to region.

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Annual coverage

The maximum annual amount you'll be reimbursed per policy year.

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Deductible

Annual amount you are responsible for before insurance kicks in.

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Reimbursement

What you get after your deductible and copay have been met.

Pet parents love Petplan

Michael B.

Michael B.

Sugar

I've had Petplan for several years now, and it has really paid for itself with my diabetic Labrador Retriever. Just a couple of weeks ago, she got sick with pancreatitis and was hospitalized for over a week. The bills were over $5,000...Petplan was very understanding and considerate during this difficult time and took care of everything easily.

Marcy S.

Marcy S.

Molly

My Beagle mix Molly had torn both ligaments in her back legs and had to get two TPLO surgeries. So thankful for Petplan—because with the therapy, plus the surgeries, it would have cost over $12,000! I only have to pay $4,000 out of my own pocket, after all is said and done. Petplan is a true lifesaver!

Rebecca O.

Rebecca O.

Dexter

We've had Petplan insurance on my dogs since they were young pups. This year, my 11-year-old Husky had cataract surgery, costing almost $4,000. I wasn't sure if his insurance would pay off after all these years, but today I received a check from Petplan covering nearly the entire cost! I would recommend Petplan to anyone.

Michael B.

Sugar

I've had Petplan for several years now, and it has really paid for itself with my diabetic Labrador Retriever. Just a couple of weeks ago, she got sick with pancreatitis and was hospitalized for over a week. The bills were over $5,000...Petplan was very understanding and considerate during this difficult time and took care of everything easily.

Marcy S.

Molly

My Beagle mix Molly had torn both ligaments in her back legs and had to get two TPLO surgeries. So thankful for Petplan—because with the therapy, plus the surgeries, it would have cost over $12,000! I only have to pay $4,000 out of my own pocket, after all is said and done. Petplan is a true lifesaver!

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