Pet Plan Pet Insurance
Finding a good insurance plan for your dog is not easy. There are so many companies to choose from. Pet Plan Insurance is based out of Philadelphia. They offer plans in US, Canada and the UK. I gave them a call to see what they had to offer and also read many of the online customer comments from various websites including Yahoo Answers, Pet Insurance Review and Complaints.com. Here is what I found:
The Positive
Pet Plan offers three straightforward plans with high annual maximums at $8000, $12,000 and $20,000.
One big positive with Pet Plan is that they do cover genetic conditions. This is very hard to find with any insurance company. For example, if you have a poodle with elbow dyslpasia, which is a hereditary condition among poodles, then you will be covered as long as you gain coverage before the symptoms arrive.
Claims payout is another important positive. Claim payments are always based on the veterinarian’s bill. Some companies use a benefit schedule, which means they can override the bill if they disagree with the dollar amount. There were very few negative customer comments regarding claim payouts. Overall they have a good record of fair and speedy payments.
The Negative
When I called the customer service rep to ask questions he wasn’t the friendliest gentleman. On a scale of one to ten I would give my customer service experience a seven. He did answer my questions, but without much enthusiasm.
Pet Plan will not cover routine maintenance for your dog. Some people do not like to budget for shots, checkups etc. If you fit into this category then you will be disappointed to find out that they do not include a wellness plan.
In conclusion, Pet Plan Insurance should definitely be considered when shopping for dog insurance because have fair coverage options and good reviews for claims processing and payouts. I give this company two thumbs up.