I dont think it is worthy to get petplan... It is not the cheapest and the claim process is very time consuming and complicated. My own health insurance is even easier. I always get reimbursed 1 days after my massage therapy. I dont understand why a pet insurance claim can be more annoying than a human insurance....

Reply from Prudent Pet Insurance

I have used dog insurance for 10 years and I have been a Petplan member for three of those years. I recently received a renewal notice from Petplan for one of my dogs and my insurance coverage was lowered without my consent. My premium even went up with the lower coverage!! When I contacted Pet plan, they tried to justify this drop in coverage by saying they were trying to “balance” things out for the amount of claims I have submitted for this pet and for his potential future claims! Basically penalizing me for using the insurance! I hadn’t even used it excessively!! Nick from Petplan also tried to relay to me that other pet insurances have the similar policies. I called Healthy Paws and Pets Best and I verified with them that they will never change coverage without the clients consent and definitely not based on the number of claims submitted! I should’ve realized last year there was a problem when one of my other pets premiums at Petplan went up by 40-45%, with their justification then being that there was a large amount of claims in my region with my particular breed of dog (Chihuahua mix), that they had to raise the premiums. Once again I was being penalized, this time for my dogs breed, with other people’s claims....not even mine! Petplan is very misleading!! Petplan also has the largest overall increase in yearly premiums and longer than usual turn around times in reimbursement, that I have seen in my experience with dog insurance. I understand that premiums increase yearly , but to decrease my coverage because of current claims and potential future claims? Nick couldn’t even tell me exactly where it is listed in my policy that this could/would occur. That’s a terrible insurance company!! I would NEVER recommend Petplan to anyone after this!!

If I could rate your company it would be a 0! You have basically taken all of my payments but paid out absolutely nothing that you said you would. I would not recommend this company to anyone! And I will be posting throughout the entire social network and on Google. I was lied to when I signed up and ripped off from non-payments.

Do Not waist your money or time. They make up definition for other reasons than what your pet had done at the vet. You will have to fight to get your monody back.

Petplan denied coverage for surgery for my dog, claiming he had a preexisting condition, which he did not. I've been paying for this policy for 7 years, and could have paid for his surgery 10 times over by now. When I called to try to get them to reconsider or file an appeal, they had nothing to offer me but the "opportunity" to change to a lower level of coverage. Ridiculous!!

Niet hier verzekeren mensen.

As an Insurance policy, the policy should cover something. I am writing this feedback after i just got off the phone with your company from finding out that none of my pet's recent veterinary bills would be covered. I will not go into details about what was not covered, but the procedures were surgical in nature. I am primarily writing to share my disappointment with your company's terms and conditions and corporate-focus. As an insurance company, just like humans, an insurance policy for pets should cover services that could prevent a pet from needing to file claims with you. This is a form of corporate greed your company has chosen. Your company chooses to not prevent potentially life-changing events, which in-turn drives said pet to need your services. This is a backwards corporate policy. I can understand routine checkups not being covered, but in the instance of spaying/neutering, your terms and policies directly contradicts itself. Your company chooses to not cover spaying/neutering for the sole fact that so more pets can be born, for a chance that that pet gets covered under a Pet Plan policy. This is corporate greed. The contradiction comes in from the fact that you state that your company does not cover pet pregnancy. This is gross. You do not cover the prevention of a life-changing event (Spaying/Neutering), nor do you cover the result of your initial choice (Pregnancy). Secondarily, another contradiction, your terms and policies recognize pet theft, but the hoops your terms make someone jump through are egregious. The contradiction is that your company does not cover pet micro-chipping. The simple fact that your company's terms and conditions are more 'exemptions' than coverage benefits. I know someone in your organization may skim over this complaint, disregard it and nothing will be done about it, but i hope i am wrong. The world is changing where more and more people my age are getting pets. Pets are our children. If your company were to include preventive care, more people would open policies for their pets. Your company terms and conditions need to be brought up-to-date, into light with the current world. Preventive care not only benefits your company with more policies, but ultimately benefits the pets we call our children, and extends the life of our pets. Longer pet life = longer pet policies. Simple business case, but your company chooses to focus on greed rather than putting the pet first. It is for these reasons that i have cancelled all of my pet's policies, effective today. I can only hope this grievance is met by the correct eyes in your organization to implement change.

Joke of insurance policy. The Exceptions for coverage are written so they can deny practically everything.

If I could leave 0 stars, I would. Our 1 year old pup has had to have 2 total hip replacement surgeries and now a knee surgery all by a phenomenal specalist from Blue Pearl (5 stars for them). AKC did not and will not cover any of those ($20,000 when its all said and done) even though we have the premium package and our fur babies are AKC Good Citizen Certified. They lead you on into thinking you are fully covered but then fill you in on a 30-180 day waiting period, hidden fees, etc. After the poor customer service displayed by the AKC staff, we ended up canceling our coverage and they offered a $50 reimbursement which yes was appreciated, but at the end of the day, not enough. We would do any and everything for our dogs but unfortunately I can't say the same about AKC. Save your money and find a different pet insurance company. Just sad.