PetPlan has a Plan!

Terrible customer service from PetPlan - don't advise when claims are rejected. Then won't work with you to let you know what information is required around the claim to be processed. There are plenty of other pet insurance companies to choose from now.

Three words - Bad Faith Insurer

We have just had our renewal notice and having been loyal members with no claims for 3 years, our premiums have been increased by 108%. When I called for an explanation, I spoke to a gentlemen who was uninterested to say the least, and confirmed my suspicions that the company has had ALOT of people cancelling their policies of late.

I signed my two year old dog up for Pet Plan and requested a medical review. She had a fracture in her leg as a puppy when I got her from the humane society, and has not been to the vet for a single illness or problem in the past two years. Because she had SLIGHTLY less muscle mass in the leg which was broken, this is the list of exclusions they put on my policy. This basically means they cover nothing on the dog, so I am cancelling my policy. Go with another pet insurance company who doesn't significantly raise their rates and actually covers your dog's issues. This list is insane, really, renal (kidney) disease or an infection the dog has is related to a broken leg from two years ago? Clearly a veterinarian did NOT complete a medical review, because no vet would agree with these exclusions.

We had PetPlan for 5 years for 2 dogs. I canceled a few weeks ago due to billing issues as the rep did not explain to me what was happening. It got really expensive and very quickly. It's my mistake I should of waited and talked to someone else. I technically did not even have lapse in coverage and when I tried to go and set it strait, my policy is already fully gone and I have to enroll my pets from scratch, nothing will be covered at this point after 5 years as everything is pre-existing. Thankfully we did not really use our policy, it was just always there if needed. Its very disappointing that there is no 30 day or anything especially for loyal customers who gave them countless referrals. Oh well.

Their phone staff is either poorly trained or dishonest. I hope the former. I asked what do you pay after meeting the deductible? I was told 80? Of everything else. The correct answer is " after meeting the deductible for each illness or occurrence " we pay 80%. So I rushed to have some growths removed before the end of the year when my dog was still recovering from an allergic reaction to some medication..Because of this misinformation, I rushed to have growths removed that turned out to be malignant before the end of the year while he was still recovering from an allergic reaction to meds. It could have waited three weeks. Do not rely on anything they tell you. Read ALL the writing. BUT you can't even rely on that... My renewal letter said my premium would be $ 644.00 but they charged my credit card $210.00 which makes my premium $820.00. When I called they said their March 8th letter to me was wrong so they charged me the right amount because they made an error and my premium should have gone up. I am stuck with these disreputable people now because we now know that what my dog has been struggling with since the beginning of December is Valley Fever. I am waiting to see how they try to deny the claim. So is my Vet. So be careful with these people. I was cautioned early on by by a tech at a different vet's office about their unwillingness to pay claims. We will see this coming year. Last year they disallowed some and really hiked up my premiums so just ck with some vets.

I don't know why this company got 5 stars??? I have been with them over 2 years, recently my pet got urine blockage and spent $7000 but this company refused the claims because we didn't do check up every year as the reason they told which I didn't get any mentioned before as their term and policy (Hidden clause). I told them even we do check up every year won't find out urine blockage which happened as emergency and we insured over 2 years. but they still refuse to pay . I think they only want collect money won't want to pay. STAY AWAY

Note: I originally posted this review for the wrong PetPlan. This is the one in the U.S. that changed since I signed up with them. Since I wrote this review, one of my cats has died and I'm waiting for PetPlan to pay for the final bills.

The worst insurance company Ive every worked with. They always find loopholes in their terms & policies not to cover your vet expenses.