Petplan Pet InsuranceReviews of gopetplan.com

PetPlan needs to update their website to tell customers an annual exam is required. They also need to send an email out reminding customers of that requirement. I left PetPlan for that reason of not being transparent and signed up with another insurer. One of the first emails I got was to stress about having that annual exam to ensure you are covered for claims.

After over 10 years as a loyal customer with multiple pets insured, on New Year’s Eve they raised my premium to $250/month for ONE 10-year-old cat. You can pay for your animal’s entire life and never have a claim for years and years, and the instant you start using the insurance as your pet gets older, they will do their best to make it unaffordable so you have to cancel and they pocket all the money you paid before ever needing the insurance. EDITED TO ADD: Their response is a lie, if you read deep in the fine print on their own site you will find that they have changed their policy since selling out to a hedge fund in 2019 and now "increase premiums or reduce coverage based on your individual pet's claims history." In other words, as I said before, they will kindly allow you to pay them every month while your pet is healthy, but as soon as you need to use the insurance, they will make sure you cannot afford to keep it and are left uninsured. I am exploring the possibility of a class action suit, as this is a violation of my state's laws, so I have declined to identify myself to PetPlan but am leaving this review here to warn others.

I have been a loyal PetPlan customer since 2010, at one point paying $2700 per year for our two dogs.  When we adopted a 7-month old puppy in March 2021, there was no question we would cover her with PetPlan.  Fast forward 3 months, the credit card we had on file with PetPlan was compromised so it was canceled by the credit card company, hence PetPlan was not able to process her monthly payment.  Does PetPlan email me with this information, send me a letter, or otherwise try to reach me with this information?  No.  They claim they called our home number, but we have no record of that call nor did they leave a message.  You'd think when you're about to cancel someone's INSURANCE policy for nonpayment, you would make a little bit more effort to reach them so they can fix the issue.  No, not PetPlan.  To make matters worse, when I called their customer service to reinstate this policy, all I got was the run around and then eventually ended up talking to a "supervisor" by the name of Don D who said it is NOT PetPlan's POLICY OR PROCESS TO EMAIL CUSTOMERS in situations like this.  Because his response was so unbelievable and ridiculous (and possibly against insurance regulations??), I asked to speak to his supervisor - Don D indicated he will put in the request, yet to this day, no one has called.  PetPlan, this experience has been beyond disappointing and for your sake, I hope Fetch can clean up your act.  At this point, you leave me no choice but to take our business elsewhere.

Buyers beware, horrible claim experience, at the end of the day, a company can have the fanciest marketing and slickest app but it is how they handle claims that matters. My dog had an ear infection, they reviewed her record and in 2018, she saw the vet due to scratching and allergy was ruled out. But because it was mentioned in her record, they determined that ear infection was allergy related and all future allergy related incidents will not be covered. Worst yet, when I call to cancel the policy, they threaten that no other insurance would cover me because we had a claim. What a terrible company!

Most horrible company. Charging 3 times in one month without notice. Will be canceling and taking my services elsewhere

Do not Buy. Started with my 8 week old kitten. No claims at all. Year 1 moderatly priced premiums , year 2 a substantial increase ,even though no claims and a no claims rebate. This years premiums raised by 138.00 still no claims and a claim free rebate. What a joke what rebate. We canceled , we can only imagine the premius next year. Seems like this company is all about making money.

This insurance company is a scam. I tried to cancel my plan before I sent in my cats wellness check from the vet because I wanted insurance that offered preventative coverage. They prorated my refund making me pay for months I wasn't covered. When I called to check what I was paying for the lady on the phone proceeds to get loud and angry. It was a horrible experience. She just kept spouting off lame excuses why I should pay for services I didn't receive. It's more the principle of the thing tbh. It was only a little over 20 bucks. For them to be so petty and rude for 20 dollars makes me wonder how difficult it would be to get them to pay for a claim. I'm glad I figured this out now instead of hundreds of dollars later.

UPDATE TO PETPLAN'S RESPONSE: I did call to discuss my other options and if I wanted to keep my monthly payments at $149 per month they would only provide me with a total of $4,000 annually of reimbursement vs. the $15,000 I had for the years prior. Why would I pay them almost $2000 a year for only $4000 in coverage? Petplan also doesn't reimburse you for 100% of your veterinary bills and are nickel and dime-ing you over what is covered. I repeat: Do not waste your money on this horrible company! My dog turned 13-years old, and after paying $149 per month for her lifespan, Petplan raised her monthly premiums to $352 right after her 13th birthday. I called to see if it was a billing error and they said no. The plan renews annually and the rates can increase. It is so wrong to raise the rate by over 100% with no warning (they said they sent a letter which we never received) in the years of my dog's life when she might actually need coverage. They were all too happy and quick to cancel my policy when I said I could not afford a $352 monthly premium because honestly who could. To do this after a global pandemic when people are really truly hurting financially makes it even worse,. Petplan knows I have paid them over $20,000 with little to no reimbursement because my dog has otherwise been fairly healthy. Please learn from my mistake and do not waste your money on this horrible company who doesn't care about providing your pet and it's owner with peace of mind and care. As soon as your dog becomes a senior and they might actually have to reimburse you for costs associated with veterinary bills, they more than double the rates of your policy so you can no longer afford to pay for dog's medical insurance. This is so wrong.