Petplan advertises its "covered for life" guarantee, saying it will cover chronic conditions for a pet as long as there's no break in coverage. However, it's important to understand what requirements customers have to fulfill each year to keep their coverage in force.

With Petplan, customers have to give their pets an annual health check and an annual dental exam. They also have to provide any treatments normally suggested by a veterinarian to prevent illnesses and injuries. Coverage may be cancelled if these requirements aren't met.

Example Monthly Cost*
ASPCA Pet Health Insurance PetPlan
Level 2:
Custom Plan:

* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14; using reasonably comparable plans, including co-insurance and deductible amounts where available, minus discounts.

ASPCA Pet Health InsurancePetplan Pet Insurance
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
Choice of 100%, 90% or 80%
of reasonable costs.
Type of Deductible Annual Incident
Illness Waiting Period 30 Days 14 Days
Accident Waiting Period None 24 Hours
Hereditary and Congenital Coverage Available Available
Alternative Therapy Coverage Available Available
Behavioral Coverage Available. Coverage includes consultations, diagnostics and prescriptionsp for any behavioral issue, as long as it's not pre-existing. Available. Coverage applies to veterinary consultations to diagnose and treat behavioral problems that are caused by an underlying medical condition.
Coverage for Chronic Conditions All levels come with Continuing Care to cover chronic conditions for eligible pets. Included in base plan.
Multiple Pet Discount 10% for each additional pet 10% for each additional pet
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.

Dogs: 13
Cats: 15
Accident-Only Plan Available for All Pets Yes No
Wellness Coverage Available None
Money Back Guarantee 30 Days 30 days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. PetPlan started selling
plans in the US in 2006.
Better Business Bureau Rating A+ B+

With ASPCA Pet Health Insurance plans, you aren't required to perform any medical exams on your pet to keep your plan from year to year or to have coverage for chronic conditions.

We also want to make it easier for you to get important wellness care for your pet, so we have two wellness coverage options you can choose at an additional cost. Petplan does not offer wellness coverage.